Auto Insurance Companies in Florida

With so many options available to drivers searching for auto insurance, selecting a company and a policy in Florida can be tough. We've reviewed the top insurance companies in Florida, based on written premiums, and highlighted what makes each company different.

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

1. GEICO

GEICO is the second largest auto insurance company in the country and the biggest in Florida. In fact, GEICO writes nearly a quarter of all auto insurance premiums in Florida. The company offers Sunshine State policyholders 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 a discount. Furthermore, GEICO provides exclusive discounts to alumni from several universities including, Florida Atlantic University and Florida Gulf Coast University.

Our Thoughts: GEICO's low rates and great 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, it's unlikely you'll find many 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 the state. For instance, there are 29 agents in Miami and 35 in Orlando. Drivers in Florida who are under 25 years old can take advantage of State Farm's Steer Clear safe driver discount program. In order to qualify for the discount, the participating driver must have no at-fault accidents or violations in the past three years. If you wish to participate in the program, 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 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 large insurance company that accounts for 15% of all auto insurance policies underwritten 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 an estimate on the cost of repairs. 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 help 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 by offering prospective policyholders the option to search 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

5. USAA

USAA has a large presence in Florida as evidenced by its Southeast Regional Campus, which is located in Tampa. While USAA only provides auto insurance to members of the U.S. military and their families, Florida is home to 21 military bases representing every branch of the U.S. military.

Our Thoughts: USAA is one of the best insurance companies available in Florida. Not only does USAA offer affordable auto insurance quotes to drivers in Florida, but 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, which can be beneficial to members of the military who have been 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 quite a few offices scattered throughout the Sunshine State. Many Liberty Mutual offices in Florida take an active role in community service. For instance, one of Liberty Mutual's offices 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. Insurance companies that offer limited features, like Liberty Mutual, typically have low auto insurance premiums, however, that isn't the case with Liberty Mutual. Simply put, there aren't many reasons why a driver in Florida should select Liberty Mutual as their insurance company.

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

7. Infinity

Despite only having 2% of the auto insurance market share in Florida, 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 policies. 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 auto insurance companies 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. Travelers sells its auto insurance policies through independent agents, however, 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, for drivers who would receive high rates elsewhere, it can be a great choice for auto insurance. The company offers one of the longest lists of discounts, which can be used to overcome its average rates. Another benefit is that the discounts are varied, meaning that 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 owns 2% of the auto insurance market share in the state. One of the benefits 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. Furthermore, 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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