Auto Insurance Basics

Auto Insurance Companies in Florida

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Choosing the right auto insurance is complicated, and there are a number of different companies available to drivers in Florida. Beyond just finding affordable auto insurance in Florida, there are many other points of differentiation that motorists should consider. Below we review the largest licensed carriers in Florida based on written premiums. Depending on your background, you may qualify for discounts and rewards based on the organizations you belong to and where you work.


The Government Employees Insurance Company is the second largest auto insurer in America, and has the most written premiums in Florida (18.3% of the market share in the state). Located in 15 main cities including Jacksonville, Miami, and Tampa, GEICO offices and agents are easy to contact if drivers prefer a personalized quote beyond the insurer's online quotes. Discounts are also available to groups including the Florida Agricultural and Mechanical University Alumni Association, Florida Atlantic University Alumni Association, Florida State Golf Association and Florida Bar Attorney - if you're a member of any of these organizations, be sure to specify it on GEICO's website or tell your agent.

State Farm

State Farm is the second most popular insurer in Florida with over $2.4 billion premiums underwritten here. It has over 200 locations and agents - there are 37 agents alone in Jacksonville, for example. The Steer Clear Driver Discount is available for Florida’s drivers under the age of 25. To qualify for this discount, young drivers must have no moving violations or at-fault accidents in the three year timespan before the discount is applied and complete an online program with a video portion and tracking of driving experiences.


Progressive is the third largest auto insurance company with 12.2% of the market share in Florida. The company operates eight service centers cross the state, and they're located in Altamonte Springs, Jacksonville, Miami, Oldsmar, Orlando, Riverview, Tamarac, and West Palm Beach. These service centers are one way that Progressive tries to help drivers get back onto the road after an accident. They're open Monday through Friday from 7:00 am to 7:00 pm and are closed on the weekend, which might be inconvenient for drivers who get into any accidents on Saturday, Sunday, or after closing time.


Allstate has over 200 agents in the Sunshine State available for drivers who prefer an in-person relationship with one point of contact in the company. The Allstate Agent Advantage guarantees a knowledgeable agent for every driver to help with coverage plans and questions, and ranks as our favorite auto insurance agencies nationally. In Miami, there are 33 agents available around the city, and countless others scattered throughout the rest of the state; the Florida regional office is located on Carillon Parkway in St. Petersburg.


Although USAA is headquartered in San Antonio, Texas, the company's Southeast Regional Office is located in Tampa, Florida with a smaller office in Sabal Park. At these offices, policyholders can make appointments to discuss insurance product offerings and wealth management. USAA only underwrites members of the U.S. military and their families - spouses, children, etc. This is great news for families and officers stationed at Patrick Air Force Base, Camp Blanding Army Base, District 7 Coast Guard Base, and Key West Navy Base - to name a few out of the 21 military bases - who can potentially take advantage of USAA’s lower rates.

Infinity Auto

Infinity Auto is based in Alabama and offers insurance through independent agents in six locations, which suits drivers who prefer a face to face interaction well. Infinity Auto has a friendly 24/7 English and Spanish call center and sponsors community programs for its members. Read Conmigo is a bilingual program sponsored by Infinity to promote literacy in English and Spanish. 

Liberty Mutual

Liberty Mutual began operations in Florida in 1925 and has local offices in Orlando, Tallahassee, Palm Beach, and 10 other sales offices around the state. Liberty Mutual agents will help take down your information and advise drivers of the best coverages and discounts based on your background. Alumni from University of Central Florida and University of North Florida, for example, can receive discounts on premiums, so be sure to talk to an agent about possible savings.

The Hartford

Headquartered in Hartford, Connecticut, The Hartford sells through agents, a huge plus for drivers who prefer interacting with a representative over online quotes. The Hartford’s main Florida office is in Lake Mary, and has multiple agency offices across the state, including cities such as Hollywood and Tampa. They provide unique insurance coverage and feature for AARP members that offer rates based on experience. Thoughtful additional services such as 12-month rate protection and RecoverCare could be useful for the large retired community of seniors in Florida. A longer locked-in rate may be easier for mature Floridians to plan out from their fixed income, and RecoverCare helps pay up to $2,500 for help around the house after being injured in an accident. 


Auto-Owners Insurance is based out of Michigan and only offers insurance through independent agents. A unique feature of Auto-Owners is their No Problem Claim Service. Drivers who want report a claim can call their Florida agent and then the agent will file the claim. Agents are located in Lakeland, Stuart, and Titusville.

Direct General

Direct General sells car insurance in 11 states. In Florida, the company has a presence in 70 cities and over 15 pay centers. Direct Auto Insurance Pay Centers allow drivers to pay their insurance premiums in person, and Direct General has partnered with stores and businesses in Florida such as 7-Eleven to provide a convenient way for drivers to pay. This is just one more immediate option that could be faster than mailing in a check.

United Automobile Insurance Company

In 1990, UAIC started operations in Florida and sells insurance through independent agents with a local office in Miami. United Automobile now underwrites insurance in 12 states, but Florida is the only state that UAIC offers commercial auto insurance.  


Headquartered in Iowa, Allied’s Southeastern Regional Office is located in Gainesville. Once drivers purchase a policy with Allied, they are part of the optional Allied Rewards program. One of the rewards optional features is roadside assistance. This coverage is about $10 every six months, and gives you access to Cross Country Perks, a program that offers discounts on entertainment, travel, and more.


To qualify for AAA, drivers must pay a fee to become a member. Depending on whether drivers pick a classic, plus, or premier membership, the new primary member fee can cost anywhere from $66 - $126 with fees to add addition family members costing $15 - $50. After paying this annual fee, drivers will become part of the Auto Club Group and have access to special discounts and benefits on various restaurants, entertainment and travel experiences. AAA has over 50 branches and locations in Florida for drivers to have an in-person interaction if they desire.  

Ocean Harbor Casualty Insurance Company/ Pearl Holding Group

Ocean Harbor began operations in 1994 and is headquartered in Sunrise, focusing on personal auto insurance in Florida. Because their insurance is sold through independent agents, drivers can receive personal guidance on coverages. They also offer a 24-hour emergency roadside assistance for an annual fee of $50 or $25 for a six-month policy. 

Florida Farm Bureau

To purchase or renew an auto insurance policy from Florida Farm Bureau, drivers must have membership in a county Farm Bureau Agricultural Organization. There is an annual fee of $35 a year and motorists do not have to be farmers. This organization is Florida’s largest agricultural group and offers benefits such as discounts on travel and free tickets to FSU and UF games.

Windhaven Insurance

Only serving Texas and Florida, Windhaven offers insurance through thousands of independent agents providing personal service. Windhaven Insurance offers a mobile app for a faster way to make a payment and report a claim. Clutchinsurance is their comparison tool, which allows drivers to compare 16 auto insurance rates and be matched with an agent. They also support Big Brothers Big Sisters of Greater Miami, Elder Heart, and other local charities. 


Nationwide has over 300 agents in five major cities across the state and offers discounts to certain alumni groups and Greek organizations. For example, if drivers belonged to Delta Delta Delta or Sigma Chi, they could qualify for a discounted premium. Nationwide offers a free On Your Side Review which is a personalized review to determine the best coverage options for every driver.

Other Car Insurers in Florida

We've highlighted the differentiating factors for most of the largest car insurers in Florida. The table below has a few more auto insurance companies that drivers might be interested in contacting to learn more information:

Companies Telephone Number
Travelers (888) 695-4625
21st Century Insurance (877) 310-5687
Esurance (800) 378-7262
Bristol West (888) 888-0080
Safeco (800) 332-3226
Amica (800) 242-6422
MetLife (800) 638-5433
National General (888) 293-5108
GAINSCO (866) 424-6726
Sentry (800) 227-0201
Imperial Fire & Casualty (800) 960-7777
Mercury Insurance (800) 503-3724

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