Car Insurance Companies in Florida

Geico is the biggest car insurance company in Florida.

Progressive and State Farm are also popular options. As you are comparing car insurance companies in Florida, pay attention to each company's coverage options, discounts, customer satisfaction and stability. These features can help you decide if it's worth it to get a quote.

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Largest car insurance companies in Florida

Company
Premiums written ($ billions)
Market share
Geico logo
Geico$6.1B24%
Progressive logo
Progressive$5.4B21%
State Farm logo
State Farm$3.8B15%
Allstate logo
Allstate$2.7B11%
USAA logo
USAA$1.7B7%
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1. Geico

  • Editor rating

  • Market share

    24% ?
  • J.D. Power

    812 ?
  • AM Best

    A++ ?

Why it's great

Geico's low rates and convenient shopping experience make it one of the best insurance companies in Florida. If you want cheap auto insurance rates, Geico is a good option.

Geico is the largest car insurance company in Florida, making up almost a quarter of all car insurance plans in the state. 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.

You can also save money if you are a veteran or military member, which is a good discount considering Florida has a high population of veterans. If you're a member of the Association of the United States Army, the Armed Forces Benefit Association or the Navy League of the United States, you could save even more with a military membership discount.

2. Progressive

  • Editor rating

  • Market share

    21% ?
  • J.D. Power

    801 ?
  • AM Best

    A+ ?

Why it's great

Progressive has a long list of discounts to help lower its rates, which are otherwise more expensive than average. Progressive's best discounts are offered through its Snapshot program, which rewards you for safe driving habits.

If you're a safe driver, then consider selecting Progressive as your auto insurance company. You could save around $200 between the sign-up discount and the discount for your safe driving. But if the data shows you are a risky driver, your rates could go up. While Progressive is known for its digital tools, you can also buy coverage from independent agents if you prefer to work with an insurance agent in person. If you have modified or personalized equipment on your car, Progressive has optional coverage for custom parts and equipment that can help ensure your car is properly covered.

3. State Farm

  • Editor rating

  • Market share

    15% ?
  • J.D. Power

    833 ?
  • AM Best

    A++ ?

Why it's great

State Farm has the cheapest full coverage rate in Florida. It's also a great option for drivers in Florida who want to work with a local agent, and it has a record of excellent customer satisfaction.

State Farm has a large number of agents throughout Florida, with 25 agents in both Miami and 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, you can't have any at-fault accidents or tickets in the past three years. You can sign up through your local agent, online or through the Steer Clear mobile app. The Drive Safe & Save program is an option for all drivers, no matter how old they are. It tracks your driving and gives you a personalized discount.

4. Allstate

  • Editor rating

  • Market share

    11% ?
  • J.D. Power

    821 ?
  • AM Best

    A+ ?

Why it's great

Allstate makes finding a local agent in the Sunshine State easy, offering the option to search online by ZIP code or city. Allstate improves search functionality by showing a map alongside results, eliminating the need to look up several addresses. Many other insurance companies don't include a map with their search feature.

Allstate is a popular car insurance option in Florida, but it has high rates and doesn't have any Florida-specific perks. Like State Farm, Allstate also has local agents throughout the state, so it could be a good option for personalized service. But because its rates are generally high, it's probably a good idea to compare it with State Farm to make sure you're not overpaying for coverage.

5. USAA

  • Editor rating

  • Market share

    7% ?
  • J.D. Power

    858 ?
  • AM Best

    A++ ?

Why it's great

USAA is one of the best auto insurance companies in Florida. Not only does USAA offer affordable rates, but it also provides excellent customer service. But it isn't an option for everyone. You can only sign up if you are a military member, a qualifying family member or a veteran.

Florida has a large military population, with several bases and the third-highest number of veterans in the country. USAA is known for its top-notch customer satisfaction. It has the highest rating in J.D. Power's review of Florida car insurance companies, but it doesn't qualify for official ranking because of its strict eligibility. If you qualify, it's worth getting a quote from USAA.

6. Liberty Mutual

  • Editor rating

  • Market share

    3% ?
  • J.D. Power

    797 ?
  • AM Best

    A ?

Why it's great

Liberty Mutual has several offices throughout the Sunshine State, and many of them take an active role in community service. In 2022 alone, the company donated over $56 million and employees gave $7.5 million to charitable organizations.

While Liberty Mutual might be the right fit for some people, it doesn't offer any standout coverage options or discounts in Florida. Because its customer satisfaction is lower than average, it might be a good idea to talk to current customers before you commit to a policy.

7. Farmers

  • Editor rating

  • Market share

    3% ?
  • J.D. Power

    777 ?
  • AM Best

    A ?

Why it's great

Farmers announced in July that it was stopping its business in Florida. Although it is currently still a large company, it won't sell any policies going forward. You can still get a policy through Bristol West and Foremost, which are part of the Farmers group.

While Farmers was a large car insurance company in Florida for many years, it no longer sells policies in the state under the Farmers brand. If you previously had a Farmers car insurance policy in Florida, you'll receive a letter in the mail letting you know when your policy will expire. You will need to get quotes from another company.

8. Kemper

  • Editor rating

  • Market share

    2% ?
  • J.D. Power

    N/A ?
  • AM Best

    A- ?

Why it's great

Kemper is a good option if you have accidents, tickets or major violations like DUIs on your driving record. The company specializes in auto insurance for drivers who are considered a high risk.

If you have accidents or tickets on your record, you could be considered a nonstandard driver. If you've had a hard time getting car insurance elsewhere, Kemper could be an option. Kemper isn't the best choice if you have a good driving record or a high credit score. And the company gets a larger number of complaints, according to the National Association of Insurance Commissioners (NAIC).

9. Travelers

  • Editor rating

  • Market share

    2% ?
  • J.D. Power

    798 ?
  • AM Best

    A++ ?

Why it's great

Travelers has cheap rates and one of the longest lists of discounts in Florida. The discounts are varied, so most drivers will be able to qualify for at least one discount.

You could get a discount if you drive an electric or hybrid car, or if you own a home even if it isn't insured with Travelers. Travelers sells its policies through independent agents, but the company still provides customers with an online directory to quickly find an agent in their area.

10. Auto-Owners

  • Editor rating

  • Market share

    2% ?
  • J.D. Power

    782 ?
  • AM Best

    A++ ?

Why it's great

Auto-Owners is a good option if you want a local agent and flexibility in your coverage. The company has several useful extra coverages available, like diminished value coverage. It also has several discounts available.

Auto-Owners also sells several other types of insurance, so you might be able to get all your coverage from one company. Auto-Owners uses independent agents to sell and manage its policies, and you can't get a quote online.

Sources

Company market share and written premium data is from S&P Capital IQ and was gathered in January 2024. Data is based on 2022 market share and written premiums.

Sources for this article include the 2023 J.D. Power U.S. Auto Insurance Study, the National Association of Insurance Commissioners (NAIC), the U.S. Census Bureau and the following car insurance companies:

  • Allstate
  • Auto-Owners
  • Farmers
  • Geico
  • Kemper
  • Liberty Mutual
  • Progressive
  • State Farm
  • Travelers
  • USAA

Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.