Who Has the Best Car Insurance Quotes in Florida? (2019)

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The average cost of car insurance in Florida was $3,370 per year, or $281 per month, for a full coverage policy. Minimum coverage policies in Florida averaged $2,565, while full coverage car insurance for drivers with a prior accident cost $4,929.

Importantly, Florida drivers can receive a wide range of car insurance quotes, some more affordable than others, depending on the insurer, location, vehicle, driving history and many other factors. For example, auto insurance quotes in the same Florida city can range by more than $1,000 in annual premiums from company to company.

Additionally, rates can increase from year to year as well, though the 10 largest auto insurers in Florida cumulatively raised rates by only 0.8% in 2019. To ensure you get the best rates, drivers should compare multiple quotes from local and national auto insurers.

Enter your ZIP code above to find cheap auto insurance online from companies near you, or read on to use our analysis as a guide to comparison shopping.

Who has the cheapest car insurance rates in Florida?

The cheapest auto insurance companies in Florida for a full coverage policy are:

  • State Farm
  • GEICO

These two companies quoted our benchmark drivers an average annual auto insurance rate of $2,190—a mean savings of $1,180 per year, compared to the Florida average of $3,370.

This graph ranks the top four vehicle insurance companies with the lowest car insurance quotes in Florida, starting with GEICO as the most affordable.

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Your auto insurance quotes will differ depending upon where you live and your driving record, among other factors. You should comparison-shop to ensure you find your best rates for car insurance in Florida.

Progressive and Allstate offered the most expensive car insurance rates in Florida, at a 35% premium to the state average.

RankInsurerCar insurance quote
1State Farm$2,158
2GEICO$2,221
3Progressive$4,238
4Allstate$4,863

Full coverage car insurance includes comprehensive and collision coverage, which protects drivers against damage to their vehicles.

Cheapest minimum coverage auto insurance rates in Florida

For cheap minimum coverage car insurance in Florida, State Farm and GEICO once again offered the most affordable quotes.

These two insurance companies, together, offered average rates of $1,449 per year, or 44% less than the Florida average quotes for minimum coverage car insurance ($2,565).

RankInsurerCar insurance quote
1State Farm$1,435
2GEICO$1,463
3Progressive$3,314
4Allstate$4,048

Minimum coverage auto insurance policies only meet Florida state law's minimum requirements. Unlike full coverage car insurance policies, minimum coverage doesn't include comprehensive and collision coverage.

Although you can buy minimum coverage auto insurance for cheaper, lower coverage limits may put you at risk of insufficient protection in the event of a car accident and won't protect your car if you're at fault. The difference between a full and minimum coverage policy in Florida was $805.

Cheapest car insurance rates in Florida with a prior accident

State Farm and GEICO also offer Florida drivers with an accident on their driving record the cheapest full coverage auto insurance quotes.

Together, these two insurers offered car insurance rates averaging $2,891, or 41% less than the Florida average of $4,929.

RankAuto insurance companyQuote before accidentQuote after accidentDifference
1State Farm$2,158$2,554$396
2GEICO$2,221$3,228$1,007
3Allstate$4,863$6,955$2,092
4Progressive$4,238$6,979$2,741

Just a single accident on your driving record can lead to substantially more expensive car insurance rates. The difference in annual auto insurance quotes in Florida for a full coverage policy with no accident history ($3,370) versus a policy with one accident ($4,929) was $1,559.

State Farm, in particular, distinguished itself by offering the best base insurance rates and a small penalty for an at-fault accident, costing just $396 more than a policy with no prior accidents.

Best car insurance companies in Florida

According to our survey of customer satisfaction, the best auto insurance company in Florida, with the highest customer service ratings, is Allstate. Sixty-four percent of Allstate policyholders described themselves as “extremely satisfied” with their customer service experience.

Importantly, although Allstate was the most expensive insurer across all policy types in Florida, more users appear to be satisfied with the company's products and services. However, State Farm, the cheapest insurer in our survey, was not far behind Allstate for customer satisfaction and positive reviews.

RankAuto insurer% of respondents extremely satisfied with experience% of respondents who saw customer service as excellent
1Allstate64%47%
2State Farm59%46%
3GEICO56%42%
4Progressive51%34%

Best auto insurers in Florida by complaints

When examining customer complaints, which are a good indication of customer service quality, the best Florida car insurance companies are:

  • Amica
  • Florida Farm Bureau
  • Southern-Owners

Progressive, State Farm, Allstate and GEICO—four of the largest auto insurers in Florida—perform better than average for customer reviews as well, with relatively low complaint ratios.

United Automobile, Windhaven and Ocean Harbor received the most complaints relative to their market share size.

We list the top-rated car insurance companies in Florida, where a lower complaint ratio indicates better customer reviews:

RankCompanyComplaint ratio
1Amica0.06
2Florida Farm Bureau0.07
3Southern-Owners0.10
4Progressive0.10
5Safeco0.11
6State Farm0.12
7Mercury0.12
8Allstate0.12
9MetLife0.13
10GEICO0.14
11USAA0.14
12Esurance0.19
13Liberty Mutual0.25
14Hartford0.32
15Security National0.34
16Infinity0.49
17Direct General0.76
18United Automobile Insurance1.16
19Windhaven1.24
20Ocean Harbor2.44

To find the best auto insurance companies in Florida, we looked at which insurers received the fewest complaints at the Florida Office of Insurance Regulations.

We identified the largest underwriters in Florida (with more than $100 million in underwritten premiums). Next, we weighted the companies' share of complaints per million dollars of premiums underwritten.

Auto insurance in Florida: minimum coverage requirements

Carrying car insurance is required by state law in Florida. We have included the minimum insurance coverage you are required to have on your car, per the Florida Office of Insurance Regulation and the state's motor vehicle requirements.

Bodily injury liability and uninsured motorist coverage come standard and recommended with your policy by auto insurers, but they are rejectable in writing.

Florida's minimum required car insurance coverage limits are as follows:

  • Personal injury protection (PIP): $10,000 per accident
  • Property damage liability (PDL): $10,000 per accident

Though you may meet the Florida state's minimum auto insurance requirements, it may not be the policy best-suited to your needs. As a result, we recommend that drivers consider opting in for higher coverage limits.

If you are in a particularly expensive accident, your minimum coverage may not be enough to fully cover the damages and you may have to pay out of pocket. This applies whether you're a college student at the University of Central Florida on a budget, a new driver starting out in Tallahassee or a retiring senior in South Florida.

Florida No-Fault Law

Florida is a no-fault state, which means insurers are required to provide coverage to drivers regardless of who is at-fault in an accident. The Florida No-Fault Law thus helps ensure that drivers receive appropriate medical care and some degree of financial protection.

For this reason, Florida drivers need to carry personal injury protection (PIP) and property damage liability coverage (PDL) as past of their car insurance policy.

  • PIP covers up to 80% of medical expenses and 60% of lost income if you are unable to work, up to a combined limit of $10,000.
  • PDL reimburses property damage to other drivers' vehicles in an accident, up to $10,000. If your car is damaged, the other driver's PDL will pay for your repair costs.

Although Florida's No-Fault Law requires drivers to carry personal injury protection, at-fault drivers can still be sued in the event of serious bodily injury or death. For this reason, carrying bodily injury liability (BIL) coverage is often recommended to guarantee additional protection from such lawsuits.

Florida Financial Responsibility Law: Requirements for SR-22 and FR-44 policies

If you cause an accident that results in bodily injury to another person or are found to be driving under the influence, you will be required to hold additional coverage types and higher coverage limits under the Florida Financial Responsibility Law. The exact requirements can be categorized as SR-22 or FR-44 insurance.

SR-22 insurance requirements

For accidents that result in any degree of bodily injury or death, drivers will be asked to file SR-22 insurance, often referred to as a certificate of financial responsibility. In addition to Florida's no-fault requirements, SR-22 insurance requires:

  • Bodily injury liability (BIL): $10,000 per person
  • Bodily injury liability (BIL): $20,000 per accident

These coverages will reimburse you for bodily injury caused to other people involved in an accident for which you are at-fault.

FR-44 insurance requirements

Florida residents convicted of driving under the influence (DUI) of alcohol or drugs are required to meet FR-44 insurance standards. FR-44 coverage requirements are substantially higher than no-fault minimum coverages or SR-22 certificates. Specifically, FR-44 insurance requires:

  • Bodily injury liability (BIL): $100,000 per person
  • Bodily injury liability (BIL): $300,000 per accident
  • Property damage liability (PDL): $50,000 per accident

Cheap car insurance in Florida by city

Location is one of the most important factors in determining the cost of insurance, and average car insurance prices in Florida can differ drastically from city to city.

In every Florida city, however, State Farm and GEICO were the most affordable insurers, while Progressive and Allstate were the most expensive.

Below is a list of low cost auto insurance quotes and the price for each of these two insurers for each of the 50 largest cities in Florida.

CityInsurerAuto insurance quote
Boca RatonState Farm$2,682
GEICO$3,078
Boynton BeachState Farm$2,989
GEICO$3,138
BradentonState Farm$1,997
GEICO$2,089
Cape CoralGEICO$1,843
State Farm$2,090
ClearwaterState Farm$2,368
GEICO$2,818
Coconut CreekGEICO$2,812
State Farm$2,874
Coral SpringsState Farm$2,870
GEICO$3,219
DavieState Farm$2,532
GEICO$2,593
Daytona BeachState Farm$1,839
GEICO$1,955
Deerfield BeachGEICO$2,812
State Farm$3,010
Delray BeachState Farm$2,996
GEICO$3,138
DeltonaState Farm$1,806
GEICO$2,208
DoralGEICO$2,652
State Farm$3,878
Fort LauderdaleState Farm$2,598
GEICO$2,912
Fort MyersState Farm$1,762
GEICO$2,073
GainesvilleState Farm$1,611
GEICO$1,733
HialeahGEICO$2,652
State Farm$4,485
HollywoodGEICO$2,812
State Farm$3,050
HomesteadGEICO$3,319
State Farm$3,697
JacksonvilleGEICO$2,024
State Farm$2,125
JupiterState Farm$1,945
GEICO$2,389
KissimmeeState Farm$2,186
GEICO$2,243
LakelandState Farm$1,838
GEICO$2,294
LargoState Farm$2,275
GEICO$2,656
LauderhillGEICO$2,812
State Farm$2,883
MargateGEICO$2,812
State Farm$3,570
MelbourneState Farm$1,863
GEICO$2,060
MiamiGEICO$2,652
State Farm$4,284
Miami BeachState Farm$2,834
GEICO$3,013
Miami GardensState Farm$2,652
GEICO$3,947
MiramarGEICO$2,812
State Farm$2,853
North PortState Farm$1,647
GEICO$1,860
OcalaState Farm$1,627
GEICO$2,065
OrlandoState Farm$2,115
GEICO$2,164
Palm BayGEICO$1,990
State Farm$2,030
Palm CoastState Farm$1,668
GEICO$1,960
Pembroke PinesState Farm$2,532
GEICO$2,833
PlantationState Farm$2,649
GEICO$2,812
Pompano BeachGEICO$2,812
State Farm$3,329
Port OrangeState Farm$1,572
GEICO$2,018
Port St. LucieState Farm$2,019
GEICO$2,504
SanfordState Farm$1,883
GEICO$2,047
SarasotaState Farm$1,754
GEICO$2,048
St. PetersburgState Farm$2,465
GEICO$2,673
SunriseState Farm$2,532
GEICO$2,812
TallahasseeState Farm$1,744
GEICO$2,102
TamaracGEICO$2,812
State Farm$2,883
TampaGEICO$2,834
State Farm$2,970
West Palm BeachGEICO$3,076
State Farm$3,435
WestonState Farm$2,448
GEICO$2,812

For a closer look at Florida's largest cities, we identified cheap auto insurance quotes for:

  • Jacksonville
  • Miami
  • Tampa
  • Orlando
  • St. Petersburg

Car insurance in Jacksonville, Florida

  • Average annual auto insurance quote = $3,276
  • 3% cheaper than Florida average

Jacksonville's auto insurance costs aren't particularly expensive. They're close to the state average, which is unusual for the largest city in a state. To find inexpensive car insurance and get your best quotes in Jacksonville, be sure to comparison shop online. The most expensive car insurance, from Allstate, was 127% the price of a policy from the cheapest insurer, State Farm.

Car insurance in Miami

  • Average annual auto insurance quote = $4,952
  • 47% more expensive than Florida average

The most expensive place for auto insurance in Florida is the urban metropolis of Miami. Auto insurance in Miami costs are almost double the Florida average.

There are always opportunities to save, however, when shopping for the best insurance in South Florida. If you're looking for cheap car insurance in Miami, we recommend starting your search with GEICO and State Farm, which offer an average premium of $3,468. Buying coverage from these South Florida car insurance companies saves our sample driver about 30%, or almost $1,500 per year compared to how much the average person in Miami pays.

Car insurance in Tampa, Florida

  • Average annual auto insurance quote = $4,575
  • 36% more costly than Florida average

Located in Hillsborough County, Tampa is the third largest city in Florida. For affordable auto insurance in Tampa, we suggest GEICO and State Farm, which were the companies with the lowest rates in our study. Auto insurance from Allstate was the most expensive at an annual rate of $7,300 or 60% more than the Tampa average.

If you're on a budget, remember to compare auto insurance quotes online from multiple companies in Florida to get the best rate.

Car insurance in Orlando, Florida

  • Average annual auto insurance quote = $3,426
  • 2% more expensive than Florida average

Car insurance in Orlando costs nearly the same as the Florida state average. If you’re looking for the best, cheap car insurance in Orlando, State Farm and GEICO had the lowest rates in our study. Among these two auto insurers, their average rate of $2,140 represent a 38% discount versus how much the typical auto insurance policy costs in Orlando.

Car insurance in St. Petersburg, Florida

  • Average annual auto insurance quote = $3,908
  • 16% more costly than Florida average

Insuring a car in St. Petersburg, Florida will cost drivers a bit more than the state average. Some auto insurance companies offer more affordable rates than others in St. Petersburg. The difference in cost between the cheapest insurer, State Farm ($2,465), and the most expensive insurer, Allstate ($5,771), is $3,306.

Average cost of car insurance in Florida by city

The average cost of full coverage auto insurance in Florida is $3,370 per year, or $281 monthly, though rates vary substantially by location, age and other elements of your driver profile.

The cheapest cities for car insurance, with an average rate of $2,742 per year, were:

  • Gainesville
  • North Port
  • Tallahassee

The most expensive cities for auto insurance, with an average quote of $5,023 per year, were:

  • Hialeah
  • Miami
  • Miami Gardens

This table provides a list of average car insurance quotes for the 50 cities in Florida that we included in our study.

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RankCityAnnual car insurance quote
1Gainesville$2,604
2North Port$2,783
3Tallahassee$2,839
4Port Orange$2,877
5Ocala$2,890
6Palm Coast$2,919
7Daytona Beach$2,939
8Fort Myers$2,965
9Cape Coral$2,976
10Sarasota$2,982
11Sanford$3,023
12Melbourne$3,041
13Deltona$3,082
14Palm Bay$3,133
15Lakeland$3,140
16Bradenton$3,219
17Jacksonville$3,276
18Port St. Lucie$3,361
19Orlando$3,426
20Kissimmee$3,456
21Jupiter$3,488
22Weston$3,775
23Largo$3,809
24Sunrise$3,838
25Pembroke Pines$3,870
26Clearwater$3,884
27Davie$3,885
28St. Petersburg$3,908
29Miramar$4,054
30Fort Lauderdale$4,063
31Plantation$4,140
32Coconut Creek$4,182
33Deerfield Beach$4,222
34Miami Beach$4,274
35Boca Raton$4,275
36Lauderhill$4,277
37Coral Springs$4,281
38Tamarac$4,290
39Hollywood$4,355
40Pompano Beach$4,370
41Boynton Beach$4,496
42Delray Beach$4,515
43Tampa$4,575
44Margate$4,582
45Doral$4,717
46Homestead$4,756
47West Palm Beach$4,799
48Miami Gardens$4,894
49Miami$4,952
50Hialeah$5,223

Note that these costs are just estimates and will not necessarily represent how much your actual auto insurance rates will be.

Car insurance quotes are tailored to your background and circumstances and can be quickly found online for free. As a result, enter your ZIP code below to get a list of inexpensive local auto insurance companies and to compare the best car insurance rates in Florida.

Find the Cheapest Auto Insurance Quotes in Your Area

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Florida auto insurance rate increases

After a 2.7% year-over-year rate increase in 2018, residents will be happy to know that 2019 was a much better year for vehicle insurance costs in Florida. There was only a 0.8% increase in car insurance rates across the 10 largest auto insurance companies in Florida year to date.

Cumulatively, car insurance rates across these insurers have have increased 31.8% from 2014 to 2019.

Auto insurance company

Market share2018 rate changes2019 rate changes
Berkshire Hathaway (GEICO)25.2%5.6%0.0%
Progressive18.3%0.2%-0.1%
State Farm14.7%-0.9%0.0%
Allstate9.3%2.1%3.6%
USAA7.1%4.4%4.4%
Liberty Mutual3.1%6.6%0.0%
Travelers2.2%2.5%0.2%
National General2.0%5.2%0.8%
Kemper1.8%3.6%-12.9%
Auto-Owners1.7%8.4%0.0%
Top 10 auto insurance companies85.3%2.7%0.8%
2019 rate change figures represent the year-to-date change (reported by the NAIC) as of Oct. 17, 2019

Hikes in auto insurance rates are usually preceded by increased losses—which happen when insurers pay out for claims—incurred by insurance companies.

Losses can increase for a variety of reasons, such as mass vehicle damage from a hurricane or more distracted driving accidents.

Methodology: How we conducted the analysis

We collected car insurance quotes for Florida cities from four auto insurance companies. Our sample driver was a:

  • 30-year-old male
  • Driving a 2015 Honda Civic EX

The driver was profiled as having no credit history, making him equivalent to a driver with below-fair to poor credit, according to our data source, Quadrant Information Services.

Our sample driver held full coverage car insurance with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For a minimum coverage policy, our sample driver had coverage equivalent to the minimum Florida state requirements.

Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP codes, vehicle type, coverage limits chosen and other factors.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only—your own quotes may be different.

Sources:

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