Auto Insurance Companies in Florida

Auto Insurance Companies in Florida

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Comparing car insurance companies in Florida can be difficult, with so many options available to Florida drivers searching for auto insurance. We've reviewed the top auto insurers in Florida and highlighted what makes each company stand out.

Auto Insurance Company
Premiums Underwritten ($ billions)
Market Share
1Geico$4.0 billion23%
2State Farm$2.8 billion16%
3Progressive$2.6 billion15%
4Allstate$1.9 billion11%
5USAA$1.2 billion7%
6Liberty Mutual$0.6 billion3%
7Infinity$0.4 billion2%
8Travelers$0.4 billion2%
9Farmers$0.4 billion2%
10AmTrust Financial$0.4 billion2%

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1. Geico

Geico, the second largest auto insurer in the country and the biggest in Florida, writes nearly a quarter of all auto insurance policies in Florida. Geico offers Florida drivers up to a 10% discount for completing an approved defensive driving course. Drivers who take online courses offered by the National Safety Council, the American Safety Council and the Florida Safety Council are also eligible for discounts. Also, Geico provides discounts to alumni from several universities, including Florida Atlantic University and Florida Gulf Coast University.

Our Thoughts: Geico's low rates and convenient shopping experience make it one of the best insurance companies available in Florida. In fact, Geico provides annual auto insurance quotes that are $493 less than the state average. If you're searching for a company with low rates, you'll find few that top Geico.

  • A++ (Superior) A.M. Best Financial Strength Rating
  • 4 out of 5 rating from J.D. Power for overall satisfaction

2. State Farm

State Farm boasts an abundance of agents throughout Florida, with 29 agents in Miami and 35 in Orlando. Florida drivers who are under 25 years old can take advantage of State Farm's Steer Clear safe driver discount program. To qualify for the discount, the driver must have no at-fault accidents or violations in the past three years. You can sign up through your local agent, online or through the Steer Clear mobile app.

Our Thoughts: State Farm is a great option for drivers in Florida who want access to a local agent. State Farm's many agents and offices throughout the state mean drivers won't have to go far to speak to someone in person. It isn't the most affordable auto insurance company, but it is cheaper than companies like Allstate and Progressive.

  • A++ (Superior) A.M. Best Financial Strength Rating
  • 3 out of 5 rating from J.D. Power for overall satisfaction

3. Progressive

Progressive is a major company, underwriting 15% of all auto insurance policies in Florida. While Progressive is mainly known for its online presence, the company operates eight full-service centers in Florida. Drivers who have been involved in small accidents can drop off their vehicles at these service centers to receive a repair estimate. Employees at the service center will then coordinate repairs, which come equipped with a lifetime warranty.

Our Thoughts: Progressive isn't the most affordable auto insurance option, however, it provides policyholders with a long list of discounts to mitigate its high rates. Progressive's best discounts are offered through the Snapshot program, which rewards policyholders for safe driving habits. If you're a safe driver, then consider selecting Progressive as your auto insurance company.

  • A+ (Superior) A.M. Best Financial Strength Rating
  • 3 out of 5 rating from J.D. Power for overall satisfaction

4. Allstate

Allstate makes finding a local agent in the Sunshine State easy, offering the option to search online by ZIP code or city. While most insurance companies offer this search feature, Allstate improves search functionality by showing a map alongside results, eliminating the need to look up several addresses.

Our Thoughts: Allstate's high auto insurance rates hold it back from being an above-average insurance company. Furthermore, aside from its great search feature, the company doesn't offer any perks that are exclusive to Florida drivers. If you're interested in Allstate for its ability to offer personalized service through its local agents, then consider State Farm.

  • A+ (Superior) A.M. Best Financial Strength Rating
  • 3 out of 5 rating from J.D. Power for overall satisfaction


USAA primarily serves members of the U.S. military and their families, and Florida is home to 21 military bases representing every branch of the U.S. military. USAA's large presence in Florida includes its Southeast Regional Campus, located in Tampa.

Our Thoughts: USAA is one of the best insurance companies available in Florida. Not only does USAA offer affordable rates in Florida, it also provides excellent customer service. If you're a U.S. military employee, USAA offers perks that are unmatched, like an insurance discount when you store your vehicle, such as while you're deployed.

  • A++ (Superior) A.M. Best Financial Strength Rating
  • 5 out of 5 rating from J.D. Power for overall satisfaction

6. Liberty Mutual

Liberty Mutual has several offices throughout the Sunshine State, and many of them take an active role in community service. For instance, a Liberty Mutual office in Lake Mary volunteers at the Second Harvest Food Bank of Central Florida and participates in the Orlando Chamber of Commerce Hispanic Expo.

Our Thoughts: Liberty Mutual doesn't offer any discounts or coverage options that you couldn't find through another insurance company. Companies that have limited features typically offer lower auto insurance premiums, but that isn't the case with Liberty Mutual. Simply put, there aren't many reasons why a driver in Florida should select Liberty Mutual.

  • A (Excellent) A.M. Best Financial Strength Rating
  • 2 out of 5 rating from J.D. Power for overall satisfaction

7. Infinity

Despite being a small player with only 2% of the Florida auto insurance market, Infinity maintains plenty of agents across the state. In fact, Infinity has 30 agents in Miami and Orlando each. The company maintains an active presence in the communities where it sells auto insurance. For instance, Infinity has donated millions to programs like Step Up for Students in Florida, Texas, California and Arizona.

Our Thoughts: Infinity is a great insurance company for high-risk drivers. If you don't fit into that customer segment, you'd likely receive a cheaper quote from a national insurance company, like State Farm or Geico. Furthermore, even high-risk drivers should be cautious of Infinity's poor customer service, as reviews complain about the company being difficult to reach.

  • A (Excellent) A.M. Best Financial Strength Rating

8. Travelers

Travelers is the eighth largest auto insurance company in Florida and one of the largest in the U.S. The company partners with local institutions, like Florida Realtors and the Florida Hospital Credit Union, to offer their members special discounts and perks. Although Travelers sells its policies through independent agents, the company still provides customers with an online directory to quickly find an agent in their area.

Our Thoughts: Travelers offers middle-of-the-road quotes when it comes to price, however it can still be a great choice for drivers who would pay high rates elsewhere. That's because the company offers one of the longest lists of discounts, which can offset its average rates. The discounts are varied, so most drivers will be able to qualify for at least one discount.

  • A++ (Superior) A.M. Best Financial Strength Rating
  • 3 out of 5 rating from J.D. Power for overall satisfaction

9. Farmers

Farmers is one of the largest insurance companies in Florida, and it has 2% of the auto insurance market share in the state. A benefit of selecting a large insurance company like Farmers is that the company offers several insurance products, meaning you can earn discounts by bundling policies. Farmers even offers insurance for recreational vehicles, like boats.

Our Thoughts: Regardless of your driver profile, Farmers offers some of the most affordable rates among national auto insurance companies. Furthermore, the company offers a few unique coverage options. For instance, Farmers is one of the few companies in the state to offer insurance while you're driving for Uber or Lyft.

  • A (Excellent) A.M. Best Financial Strength Rating
  • 3 out of 5 rating from J.D. Power for overall satisfaction

10. AmTrust Financial

AmTrust Financial has seven corporate offices located across some of the largest cities in Florida, including Jacksonville and Ft. Lauderdale. The company is the 14th largest writer of auto insurance in the country. Prospective policyholders should be aware that AmTrust Financial doesn't provide direct quotes to customers. If you're interested in an auto insurance policy, you'll have to speak to an independent agent that sells policies for the company.

Our Thoughts: AmTrust Financial mostly focuses on selling insurance policies to small businesses, meaning it isn't the best choice for your personal auto insurance policy. The company's subsidiaries, which provide auto insurance policies, are small in size. Their limited size means you'll miss out on things most large insurance companies offer, like mobile apps and online quotes.

  • A (Excellent) A.M. Best Financial Strength Rating

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