Who Has the Best Car Insurance Quotes in Florida? (2021)

Who Has the Best Car Insurance Quotes in Florida? (2021)

The cheapest car insurance in Florida comes from GEICO, which sells coverage for $923 per year, or $77 per month — 61% less than the statewide average.

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The cheapest car insurance in Florida comes from GEICO, which sells coverage for $923 per year, or $77 per month — 61% less than the statewide average.

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The cost of car insurance coverage varies for drivers seeking full-coverage policies. Also, your personal driving history and location can determine your rates. Enter your ZIP code above to find cheap auto insurance online by comparing companies near you, or read on to use our analysis as a guide to comparison shopping.

Cheapest car insurance rates in Florida: GEICO

The cheapest minimum-coverage car insurance in Florida comes from GEICO. Car insurance from GEICO costs $923 per year, which is $1,438 less than the average cost of coverage in Florida.

Alternatively, drivers may find cheap prices with State Farm. Of the companies we surveyed, State Farm was one of two with average rates that were cheaper than the typical cost of coverage in Florida. Conversely, we found that Allstate was the most expensive option for car insurance in the state.

Cheapest Car Insurance Companies in Florida
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RankInsurerAnnual costMonthly cost
1GEICO$923$77
2State Farm$1,160$97
3Progressive$3,099$258
4Allstate$4,261$355

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.

Cheapest full-coverage auto insurance rates in Florida: GEICO

The average cost of full-coverage car insurance in Florida is $3,230 per year — or $269 per month. But drivers could find cheaper quotes by comparing different companies.

The cheapest full-coverage auto insurance in Florida typically comes from GEICO, which has rates that are 53% more affordable than the statewide average. This amounts to a price difference of nearly $150 per month.

Consumers may also find cheap full coverage from State Farm. The insurer's rates $1,342 less than average per year. State Farm is only $31 more expensive per month than GEICO, on average. If the driver already has home or renters insurance with State Farm, the insurer could be a more affordable alternative to GEICO due to discounts from bundling.

RankInsurerAnnual costMonthly cost
1GEICO$1,509$126
2State Farm$1,888$157
3Florida average$3,230$269
4Progressive$4,361$363
5Allstate$5,163$430

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

Cheap car insurance for drivers with prior incidents

The cost of full-coverage car insurance in Florida is typically more expensive for drivers who have been in crashes or who have gotten citations for DUIs or for traffic violations. With this in mind, ValuePenguin found the cheapest full-coverage options in Florida for a range of drivers.

Cheapest for drivers with an accident: GEICO

Just a single accident on your driving record can raise your rates by $1,319 per year — an increase of 59% from average.

GEICO and State Farm offer the cheapest full-coverage car insurance to drivers who have been in one accident. These two insurance providers are the only companies we found that offer monthly rates that are less than $200 to drivers with an accident on their records.

The cost of car insurance from GEICO for drivers with one accident is $2,097 per year, which is 54% cheaper than the statewide average for similar drivers. State Farm's rates are 51% cheaper than average. These two companies were the only providers below average.

RankInsurerAnnual costMonthly cost
1GEICO$2,097$175
2State Farm$2,229$186
3Florida average$4,549$379
4Progressive$6,498$541
5Allstate$7,372$614

Cheapest for drivers with a speeding ticket: State Farm

State Farm has the cheapest car insurance for people who have gotten a speeding ticket. On average, State Farm's rates for these types of drivers are 48% cheaper than the state average. GEICO also has cheap rates for drivers with a speeding ticket — although GEICO's rates are $524 more expensive than State Farm's.

RankInsurerAnnual costMonthly cost
1State Farm$2,059$172
2GEICO$2,583$215
3Florida average$3,981$332
4Allstate$5,163$430
5Progressive$6,120$510

Cheapest for drivers with a DUI: State Farm

In Florida, drivers who have received a DUI may find the cheapest car insurance from State Farm. Although rates often increase by 27% after one violation, State Farm's rates only increased by 9%, or $171 per year, for drivers with a DUI. GEICO is another affordable option, although its yearly cost is nearly $700 more expensive than State Farm's.

RankInsurerAnnual costMonthly cost
1State Farm$2,059$172
2GEICO$2,727$227
3Florida average$4,097$341
4Progressive$5,185$432
5Allstate$6,417$535

Cheapest for drivers with bad credit: GEICO

Florida has not prohibited insurers from setting rates based on the credit history of policyholders. Fortunately, drivers with poor credit may still find cheap coverage from GEICO or State Farm. Both of these insurers offer car insurance rates that are significantly cheaper than average. GEICO's quotes for these drivers with poor credit are 46% less than average, and State Farm's are 38% cheaper.

RankInsurerAnnual costMonthly cost
1GEICO$2,454$204
2State Farm$2,810$234
3Florida average$4,532$378
4Progressive$5,322$443
5Allstate$7,543$629
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EThe cost of full-coverage car insurance in Florida is typically more expensive for drivers who have been in crashes or who have gotten citations for DUIs or for traffic violations. With this in mind, ValuePenguin found the cheapest full-coverage options in Florida for a range of drivers.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Cheapest for drivers with an accident: GEICO\" href=\"#accident\"\u003ECheapest for drivers with an accident: GEICO\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Cheapest for drivers with a speeding ticket: State Farm\" href=\"#tickets\"\u003ECheapest for drivers with a speeding ticket: State Farm\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Cheapest for drivers with a DUI: State Farm\" href=\"#dui\"\u003ECheapest for drivers with a DUI: State Farm\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Cheapest for drivers with bad credit: GEICO\" href=\"#credit\"\u003ECheapest for drivers with bad credit: GEICO\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3 id=\"accident\"\u003ECheapest for drivers with an accident: GEICO\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nJust a single accident on your driving record can raise your rates by $1,319 per year \u2014 an increase of 59% from average.\n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EGEICO\u003C\/strong\u003E and \u003Cstrong\u003EState Farm\u003C\/strong\u003E offer the cheapest full-coverage car insurance to drivers who have been in one accident. These two insurance providers are the only companies we found that offer monthly rates that are less than $200 to drivers with an accident on their records.\u003C\/p\u003E\n\n\u003Cp\u003EThe cost of car insurance from GEICO for drivers with one accident is $2,097 per year, which is 54% cheaper than the statewide average for similar drivers. State Farm's rates are 51% cheaper than average. These two companies were the only providers below average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ERank\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EGEICO\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$2,097\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$175\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E2\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,229\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$186\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E3\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFlorida average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,549\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$379\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E4\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$6,498\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$541\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E5\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$7,372\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$614\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Ch3 id=\"tickets\"\u003ECheapest for drivers with a speeding ticket: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E has the cheapest car insurance for people who have gotten a speeding ticket. On average, State Farm's rates for these types of drivers are 48% cheaper than the state average. GEICO also has cheap rates for drivers with a speeding ticket \u2014 although GEICO's rates are $524 more expensive than State Farm's.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ERank\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$2,059\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$172\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E2\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,583\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$215\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E3\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFlorida average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$3,981\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$332\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E4\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$5,163\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$430\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E5\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$6,120\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$510\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Ch3 id=\"dui\"\u003ECheapest for drivers with a DUI: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EIn Florida, drivers who have received a DUI may find the cheapest car insurance from \u003Cstrong\u003EState Farm\u003C\/strong\u003E. Although rates often increase by 27% after one violation, State Farm's rates only increased by 9%, or $171 per year, for drivers with a DUI. GEICO is another affordable option, although its yearly cost is nearly $700 more expensive than State Farm's.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ERank\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$2,059\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$172\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E2\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,727\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$227\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E3\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFlorida average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,097\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$341\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E4\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$5,185\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$432\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E5\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$6,417\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$535\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Ch3 id=\"credit\"\u003ECheapest for drivers with bad credit: GEICO\u003C\/h3\u003E\n\n\u003Cp\u003EFlorida has not prohibited insurers from setting rates based on the credit history of policyholders. Fortunately, drivers with poor credit may still find cheap coverage from \u003Cstrong\u003EGEICO\u003C\/strong\u003E or \u003Cstrong\u003EState Farm\u003C\/strong\u003E. Both of these insurers offer car insurance rates that are significantly cheaper than average. GEICO's quotes for these drivers with poor credit are 46% less than average, and State Farm's are 38% cheaper.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ERank\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EGEICO\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$2,454\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$204\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E2\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,810\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$234\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E3\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFlorida average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,532\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$378\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E4\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$5,322\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$443\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E5\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$7,543\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$629\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Cheapest for married drivers: GEICO

It's common for married drivers to receive cheaper car insurance rates than unmarried drivers. In Florida, car insurance for married drivers tends to cost 5% less than average for their single counterparts. However, this discount isn't the same for all insurers. Progressive's rates, for example, fell by $846 for married drivers, while State Farm's remained the same.

RankInsurerAnnual costMonthly cost
1GEICO$1,510$126
2State Farm$1,888$157
3Florida average$3,070$256
4Progressive$3,515$293
5Allstate$5,369$447
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EIt's common for married drivers to receive cheaper car insurance rates than unmarried drivers. In Florida, car insurance for married drivers tends to cost 5% less than average for their single counterparts. However, this discount isn't the same for all insurers. Progressive's rates, for example, fell by $846 for married drivers, while State Farm's remained the same.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ERank\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EGEICO\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,510\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$126\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E2\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,888\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$157\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E3\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFlorida average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$3,070\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$256\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E4\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$3,515\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$293\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E5\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$5,369\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$447\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Cheapest car insurance for young drivers: GEICO

Young drivers may pay $3,182 more per year for minimum-coverage car insurance in Florida than older drivers.

The cost of car insurance for young drivers is significantly more expensive than it is for others. For these drivers, the average cost of full coverage is $8,832 — nearly three times the average cost for most drivers. However, young people can still find affordable car insurance in Florida by comparing rates from multiple companies.

The cheapest full-coverage car insurance for most young drivers comes from GEICO. In Florida, GEICO's rates are 54% cheaper than what young drivers typically pay for full-coverage car insurance. Alternatively, State Farm also offers cheap coverage — the insurer charges $3,400 less than average.

RankInsurerFull coverageMinimum coverage
1GEICO$4,023$2,378
2State Farm$5,432$3,295
3Florida average$8,832$5,543
4Progressive$11,192$7,008
5Allstate$14,680$9,492

Cheapest for young drivers with one accident: GEICO

At-fault accidents cause the cost of car insurance to increase, and the effect is more strongly felt by young drivers whose premiums are already much more expensive than average. On average, GEICO is the cheapest insurance provider for young drivers who have been in an accident. The insurer's rates are 59% cheaper than average.

RankInsurerAnnual costMonthly cost
1GEICO$4,170$347
2State Farm$6,545$545
3Florida average$10,252$854
4Progressive$12,762$1,063
5Allstate$17,533$1,461

Cheapest for young drivers with a speeding ticket: GEICO

Like at-fault accidents, receiving speeding tickets has an adverse effect on the cost of car insurance for younger and older drivers. On average, speeders see an average cost increase after a ticket that's $508 cheaper than the surcharge after an accident. Young drivers with a speeding ticket could get affordable car insurance from GEICO, which costs $5,152 per year — 47% cheaper than average.

RankInsurerAnnual costMonthly cost
1GEICO$5,152$429
2State Farm$5,988$499
3Florida average$9,744$812
4Progressive$13,157$1,096
5Allstate$14,680$1,223

Best car insurance companies in Florida

To find the best insurance company in Florida, we looked at which insurance providers have the best reputation for customer service. According to a survey commissioned by ValuePenguin, the highest percentage of respondents claimed that they were "extremely satisfied" by their experience with Allstate. Moreover, 47% described Allstate's customer service as "excellent."

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. On the other hand, GEICO, the cheapest insurer in our survey, ranked behind Allstate by both measurements.

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%

We also evaluated customer service by the number of complaints each insurance provider received. According to the National Association of Insurance Commissioners (NAIC), Allstate received the fewest number of complaints relative to the median amount. Conversely, Progressive got the most complaints.

InsurerNAIC Complaint IndexJ.D. Power claims satisfaction (higher is better)A.M. Best rating
Allstate0.63876A+
State Farm0.66881A++
GEICO1.01871A++
Progressive1.30856A+

The NAIC Complaint Index measures the number of complaints an insurance provider receives relative to its market share, or size. The agency uses 1.00 as the median number of complaints. This means that a Complaint Index above 1.00 signifies that an insurer receives more complaints than typical.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003ETo find the best insurance company in Florida, we looked at which insurance providers have the best reputation for customer service. According to a survey commissioned by ValuePenguin, the highest percentage of respondents claimed that they were \"extremely satisfied\" by their experience with \u003Cstrong\u003EAllstate\u003C\/strong\u003E. Moreover, 47% described Allstate's customer service as \"excellent.\"\u003C\/p\u003E\n\n\u003Cp\u003EAlthough 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. On the other hand, GEICO, the cheapest insurer in our survey, ranked behind Allstate by both measurements.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ERank\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAuto insurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E% of respondents extremely satisfied with experience\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E% of respondents who saw customer service as excellent\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E64%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E47%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E2\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E59%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E46%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E3\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E56%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E42%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E4\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E51%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E34%\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003EWe also evaluated customer service by the number of complaints each insurance provider received. According to the National Association of Insurance Commissioners (NAIC), Allstate received the fewest number of complaints relative to the median amount. Conversely, Progressive got the most complaints.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENAIC Complaint Index\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EJ.D. Power claims satisfaction (higher is better)\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA.M. Best rating\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.63\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E876\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.66\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E881\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1.01\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E871\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1.30\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E856\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeBorder--root ShortcodeBorder--with-padding\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe NAIC Complaint Index measures the number of complaints an insurance provider receives relative to its market share, or size. The agency uses 1.00 as the median number of complaints. This means that a Complaint Index above 1.00 signifies that an insurer receives more complaints than typical.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Average cost of car insurance in Florida by city

The cost of full-coverage auto insurance in Florida is $3,230 per year, or $269 per month. However, a person's location, along with other personal characteristics, can alter the typical cost they're quoted.

The city with the cheapest car insurance in Florida is Santa Rosa Beach, with an average cost of $2,322 per year. Conversely, Brownsville is the most expensive city in Florida for car insurance.

The following table lists the average car insurance quotes for the cities in Florida. Cities are arranged from cheapest to the most expensive. To best compare the cost of insurance in your area, use the quotebox below.

No spam. No hassle. No hidden costs.
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RankCityAnnual costDifference from average
1Santa Rosa Beach$2,322-28%
2Freeport$2,335-28%
3Defuniak Springs$2,362-27%
4Miramar Beach$2,364-27%
5Ebro$2,365-27%
6Ponce de Leon$2,376-26%
7Argyle$2,378-26%
8Mossy Head$2,378-26%
9Vernon$2,380-26%
10Niceville$2,382-26%
11Destin$2,386-26%
12Valparaiso$2,389-26%
13Hurlburt Field$2,392-26%
14Eglin AFB$2,395-26%
15Fort Walton Beach$2,398-26%
16Wright$2,398-26%
17Ocean City$2,399-26%
18High Springs$2,400-26%
19Lake Lorraine$2,400-26%
20Shalimar$2,400-26%
21Mc Intosh$2,401-26%
22Orange Lake$2,401-26%
23Inlet Beach$2,404-26%
24Mary Esther$2,404-26%
25La Crosse$2,407-25%
26Malone$2,409-25%
27Westville$2,409-25%
28Bascom$2,415-25%
29Chipley$2,415-25%
30Caryville$2,416-25%
31Greenwood$2,421-25%
32Bonifay$2,423-25%
33Paxton$2,426-25%
34Graceville$2,427-25%
35Noma$2,427-25%
36Alachua$2,427-25%
37Wausau$2,428-25%
38Alford$2,428-25%
39Campbellton$2,429-25%
40Archer$2,430-25%
41Marianna$2,430-25%
42Gainesville$2,432-25%
43Newberry$2,433-25%
44Cottondale$2,440-24%
45Crestview$2,442-24%
46Micanopy$2,445-24%
47Waldo$2,446-24%
48Sneads$2,447-24%
49Laurel Hill$2,449-24%
50Grand Ridge$2,449-24%
51Port St. Joe$2,457-24%
52Milligan$2,457-24%
53Panama City Beach$2,473-23%
54Gulf Hammock$2,473-23%
55Otter Creek$2,473-23%
56Yankeetown$2,476-23%
57Callaway$2,481-23%
58Parker$2,481-23%
59Apalachicola$2,483-23%
60Earleton$2,485-23%
61Panama City$2,487-23%
62Panacea$2,488-23%
63Laguna Beach$2,488-23%
64Carrabelle$2,490-23%
65Springfield$2,491-23%
66Lower Grand Lagoon$2,491-23%
67Youngstown$2,491-23%
68St. Marks$2,492-23%
69Morriston$2,492-23%
70Cedar Grove$2,493-23%
71Pretty Bayou$2,493-23%
72Tyndall AFB$2,493-23%
73Lynn Haven$2,496-23%
74Upper Grand Lagoon$2,496-23%
75Inglis$2,497-23%
76Wewahitchka$2,501-23%
77Havana$2,503-23%
78Shady Grove$2,505-22%
79Berrydale$2,506-22%
80Brownsdale$2,506-22%
81Jay$2,506-22%
82Greensboro$2,507-22%
83Andrews$2,510-22%
84Lee$2,512-22%
85Crawfordville$2,513-22%
86O'Brien$2,514-22%
87Sopchoppy$2,514-22%
88McAlpin$2,515-22%
89Tiger Point$2,516-22%
90Horseshoe Beach$2,516-22%
91Eastpoint$2,517-22%
92Mexico Beach$2,517-22%
93Quincy$2,519-22%
94Trenton$2,520-22%
95Lamont$2,521-22%
96Madison$2,522-22%
97Jennings$2,522-22%
98Bronson$2,523-22%
99East Bronson$2,523-22%
100Holt$2,525-22%
101Chiefland$2,529-22%
102Manatee Road$2,529-22%
103Navarre$2,530-22%
104Navarre Beach$2,530-22%
105Fountain$2,530-22%
106Baker$2,530-22%
107Monticello$2,530-22%
108Wacissa$2,530-22%
109Raleigh$2,531-22%
110Perry$2,532-22%
111Bell$2,533-22%
112Steinhatchee$2,533-22%
113Suwannee$2,533-22%
114Cross City$2,535-22%
115Lanark Village$2,538-21%
116Branford$2,541-21%
117Wellborn$2,541-21%
118Williston$2,542-21%
119Greenville$2,544-21%
120Pinetta$2,545-21%
121Mc David$2,545-21%
122Chattahoochee$2,547-21%
123Live Oak$2,550-21%
124White Springs$2,550-21%
125Century$2,552-21%
126Cedar Key$2,552-21%
127Lloyd$2,554-21%
128Venice$2,557-21%
129Mayo$2,557-21%
130South Venice$2,561-21%
131Venice Gardens$2,561-21%
132Altha$2,564-21%
133Manasota Key$2,565-21%
134Jasper$2,565-21%
135Ocklawaha$2,566-21%
136Gretna$2,567-21%
137Clarksville$2,567-21%
138Woodville$2,570-20%
139Marco Island$2,570-20%
140Wildwood$2,570-20%
141The Villages$2,571-20%
142Old Town$2,572-20%
143Blountstown$2,573-20%
144Goodland$2,575-20%
145Englewood$2,576-20%
146Sumatra$2,576-20%
147Telogia$2,576-20%
148Salem$2,578-20%
149Bristol$2,578-20%
150Lake Mystic$2,578-20%
151Oxford$2,578-20%
152Laurel$2,579-20%
153Nokomis$2,579-20%
154North Port$2,582-20%
155Lake Sarasota$2,583-20%
156Lady Lake$2,588-20%
157Bonita Springs$2,588-20%
158Fruitland Park$2,589-20%
159Summerfield$2,595-20%
160Rotonda West$2,596-20%
161Estero$2,596-20%
162Pea Ridge$2,597-20%
163Wallace$2,597-20%
164Fairfield$2,598-20%
165Lowell$2,598-20%
166Warm Mineral Springs$2,599-20%
167Rotonda$2,601-19%
168Eastlake Weir$2,602-19%
169Orange Springs$2,602-19%
170Sparr$2,602-19%
171Osprey$2,602-19%
172Placida$2,603-19%
173Belleview$2,603-19%
174Gulf Breeze$2,603-19%
175Lely$2,604-19%
176Lely Resort$2,604-19%
177Naples Manor$2,604-19%
178Hosford$2,605-19%
179Vineyards$2,606-19%
180Leesburg$2,606-19%
181Grove City$2,606-19%
182Evinston$2,608-19%
183Island Grove$2,608-19%
184Lochloosa$2,608-19%
185Allentown$2,609-19%
186Point Baker$2,609-19%
187Roeville$2,609-19%
188Springhill$2,609-19%
189Weirsdale$2,611-19%
190Captiva$2,611-19%
191Charlotte Park$2,611-19%
192Solana$2,611-19%
193Okahumpka$2,612-19%
194Bagdad$2,613-19%
195East Milton$2,613-19%
196Harold$2,613-19%
197El Jobean$2,615-19%
198Charlotte Harbor$2,615-19%
199Tallahassee$2,615-19%
200Fort White$2,615-19%
201Boca Grande$2,617-19%
202Midway$2,618-19%
203Anthony$2,618-19%
204Harbour Heights$2,618-19%
205Port Charlotte$2,619-19%
206Five Points$2,622-19%
207Milton$2,622-19%
208Yalaha$2,623-19%
209Sanibel$2,623-19%
210Punta Gorda$2,623-19%
211Naples$2,623-19%
212Naples Park$2,624-19%
213Pelican Bay$2,624-19%
214Copeland$2,628-19%
215Reddick$2,630-19%
216Watertown$2,632-19%
217Fort Myers Beach$2,635-18%
218Citra$2,636-18%
219Lake City$2,637-18%
220Golden Gate$2,640-18%
221Iona$2,641-18%
222Punta Rassa$2,641-18%
223San Carlos Park$2,642-18%
224Three Oaks$2,642-18%
225Cleveland$2,642-18%
226Silver Springs$2,645-18%
227Pineland$2,647-18%
228New Smyrna Beach$2,652-18%
229Dunnellon$2,656-18%
230Orangetree$2,657-18%
231Lake Panasoffkee$2,657-18%
232Butler Beach$2,661-18%
233St. Augustine Beach$2,661-18%
234Center Hill$2,662-18%
235Siesta Key$2,662-18%
236St. Augustine Shores$2,662-18%
237St. Augustine South$2,662-18%
238Sumterville$2,663-18%
239Fort Mc Coy$2,664-18%
240Vamo$2,668-17%
241Grand Island$2,673-17%
242Silver Springs Shores$2,674-17%
243Edgewater$2,674-17%
244Umatilla$2,674-17%
245St. Augustine$2,677-17%
246Cypress Lake$2,678-17%
247McGregor$2,678-17%
248Whiskey Creek$2,678-17%
249Villano Beach$2,679-17%
250Silver Lake$2,680-17%
251Candler$2,680-17%
252Murdock$2,680-17%
253Pine Manor$2,680-17%
254Glencoe$2,681-17%
255Bee Ridge$2,681-17%
256South Gate Ridge$2,681-17%
257Gulf Gate Estates$2,681-17%
258Ridge Wood Heights$2,681-17%
259South Sarasota$2,681-17%
260Pace$2,682-17%
261Keystone Heights$2,682-17%
262World Golf Village$2,682-17%
263Hawthorne$2,682-17%
264Lulu$2,683-17%
265Tavares$2,685-17%
266Coleman$2,687-17%
267Southgate$2,687-17%
268Ponce Inlet$2,689-17%
269Bushnell$2,690-17%
270Ocala$2,690-17%
271Altoona$2,691-17%
272Cantonment$2,692-17%
273Port Orange$2,692-17%
274Samsula-Spruce Creek$2,694-17%
275Elkton$2,694-17%
276Astatula$2,697-17%
277Fruit Cove$2,697-17%
278Saint Johns$2,697-17%
279Molino$2,701-16%
280Olustee$2,702-16%
281Nocatee$2,702-16%
282South Daytona$2,703-16%
283Howey-in-the-Hills$2,703-16%
284Cape Canaveral$2,703-16%
285Cocoa Beach$2,704-16%
286Eustis$2,705-16%
287Graham$2,707-16%
288Hampton$2,707-16%
289Lake Geneva$2,709-16%
290Flagler Estates$2,710-16%
291Hastings$2,710-16%
292Fort Ogden$2,710-16%
293Patrick AFB$2,711-16%
294Ponte Vedra Beach$2,711-16%
295Brooker$2,712-16%
296Lawtey$2,712-16%
297Astor$2,712-16%
298Sanderson$2,714-16%
299Mascotte$2,715-16%
300Pine Ridge$2,716-16%
301Palm Valley$2,716-16%
302Sawgrass$2,716-16%
303Mims$2,716-16%
304Groveland$2,718-16%
305Sarasota Springs$2,719-16%
306Melrose$2,719-16%
307Titusville$2,719-16%
308Villas$2,720-16%
309Fruitville$2,720-16%
310Merritt Island$2,720-16%
311Starke$2,721-16%
312Arcadia$2,722-16%
313Burnt Store Marina$2,722-16%
314Paisley$2,723-16%
315Citrus Springs$2,723-16%
316Ormond Beach$2,723-16%
317Melbourne Beach$2,724-16%
318Indian Harbour Beach$2,725-16%
319Satellite Beach$2,725-16%
320South Patrick Shores$2,725-16%
321Oak Hill$2,727-16%
322Raiford$2,727-16%
323Zolfo Springs$2,727-16%
324Southeast Arcadia$2,728-16%
325Tallevast$2,729-16%
326Macclenny$2,730-15%
327Florahome$2,731-15%
328Port St. John$2,731-15%
329Mount Plymouth$2,732-15%
330Sorrento$2,732-15%
331Seville$2,733-15%
332Ochopee$2,734-15%
333Palm Coast$2,734-15%
334Alva$2,735-15%
335Chokoloskee$2,736-15%
336Everglades City$2,736-15%
337Minneola$2,736-15%
338Glen Saint Mary$2,736-15%
339Flagler Beach$2,737-15%
340Wauchula$2,739-15%
341Palmdale$2,739-15%
342Gateway$2,739-15%
343Pierson$2,740-15%
344Beverly Hills$2,741-15%
345Barberville$2,742-15%
346Webster$2,742-15%
347Longboat Key$2,742-15%
348Labelle$2,742-15%
349Crystal River$2,744-15%
350Hernando$2,746-15%
351Indialantic$2,747-15%
352North Sarasota$2,747-15%
353Daytona Beach$2,748-15%
354Venus$2,748-15%
355Montverde$2,748-15%
356Sharpes$2,749-15%
357Ferndale$2,750-15%
358Bunnell$2,751-15%
359Inverness Highlands North$2,751-15%
360Grandin$2,752-15%
361Hollister$2,752-15%
362Lake Como$2,752-15%
363Putnam Hall$2,752-15%
364Roseland$2,754-15%
365Sebastian$2,754-15%
366Ferry Pass$2,755-15%
367Suncoast Estates$2,755-15%
368Viera East$2,756-15%
369Moore Haven$2,756-15%
370San Mateo$2,756-15%
371Sarasota$2,757-15%
372Lecanto$2,757-15%
373Clermont$2,758-15%
374East Palatka$2,759-15%
375Citrus Hills$2,760-15%
376Crescent City$2,760-15%
377North Fort Myers$2,760-15%
378Matlacha$2,761-15%
379Bokeelia$2,761-15%
380Pine Island Center$2,761-15%
381Felda$2,762-14%
382Goulding$2,762-14%
383Brent$2,762-14%
384Cocoa$2,763-14%
385St. James City$2,764-14%
386Ensley$2,764-14%
387Lochmoor Waterway Estates$2,765-14%
388Palmona Park$2,765-14%
389Rockledge$2,766-14%
390Warrington$2,767-14%
391Myrtle Grove$2,767-14%
392West Pensacola$2,767-14%
393Satsuma$2,767-14%
394Fort Denaud$2,768-14%
395Port LaBelle$2,768-14%
396Wabasso$2,770-14%
397Inverness$2,771-14%
398Immokalee$2,771-14%
399Desoto Lakes$2,771-14%
400Kensington Park$2,771-14%
401The Meadows$2,771-14%
402Cape Coral$2,772-14%
403West Vero Corridor$2,772-14%
404Homosassa Springs$2,772-14%
405Gonzalez$2,773-14%
406Mount Dora$2,773-14%
407Pensacola$2,773-14%
408Bellview$2,775-14%
409Lorida$2,775-14%
410Interlachen$2,776-14%
411Avon Park$2,776-14%
412Sebring$2,776-14%
413Lake Placid$2,779-14%
414Cocoa West$2,780-14%
415Homosassa$2,780-14%
416Hilliard$2,781-14%
417Osteen$2,782-14%
418Pomona Park$2,782-14%
419Georgetown$2,783-14%
420Holder$2,783-14%
421Debary$2,783-14%
422Ormond-by-the-Sea$2,784-14%
423June Park$2,785-14%
424Melbourne Village$2,785-14%
425West Melbourne$2,785-14%
426Floral City$2,785-14%
427Holly Hill$2,787-14%
428Winter Beach$2,787-14%
429Lake Butler$2,789-14%
430North DeLand$2,789-14%
431Welaka$2,789-14%
432Inverness Highlands South$2,791-14%
433Gifford$2,792-14%
434Ona$2,792-14%
435Bryceville$2,794-14%
436Daytona Beach Shores$2,794-14%
437De Leon Springs$2,795-13%
438Sugarmill Woods$2,798-13%
439Bowling Green$2,800-13%
440Fort Green Springs$2,800-13%
441Vero Beach South$2,800-13%
442Vero Beach$2,803-13%
443Micco$2,803-13%
444Oneco$2,804-13%
445Cassadaga$2,804-13%
446Deland$2,810-13%
447Melbourne$2,811-13%
448Fort Myers$2,811-13%
449DeLand Southwest$2,812-13%
450West DeLand$2,812-13%
451Glenwood$2,812-13%
452Orange City$2,816-13%
453Olga$2,818-13%
454Lake Monroe$2,820-13%
455Lake Helen$2,820-13%
456Fernandina Beach$2,826-13%
457Yulee$2,829-12%
458Palatka$2,829-12%
459Fellsmere$2,830-12%
460Florida Ridge$2,833-12%
461Sanford$2,834-12%
462Chuluota$2,836-12%
463Geneva$2,839-12%
464Scottsmoor$2,840-12%
465Bostwick$2,842-12%
466Asbury Lake$2,846-12%
467Green Cove Springs$2,846-12%
468Oviedo$2,850-12%
469Frostproof$2,851-12%
470Mid Florida$2,852-12%
471Big Pine Key$2,853-12%
472Palm Shores$2,856-12%
473Myakka City$2,857-12%
474Lake Mary$2,857-12%
475Heathrow$2,860-11%
476Marathon$2,862-11%
477Black Hammock$2,865-11%
478Tangerine$2,866-11%
479Jacksonville Beach$2,868-11%
480Callahan$2,869-11%
481Nassau Village-Ratliff$2,869-11%
482Deltona$2,869-11%
483Atlantic Beach$2,872-11%
484Cudjoe Key$2,872-11%
485Summerland Key$2,872-11%
486Lehigh Acres$2,873-11%
487Clewiston$2,873-11%
488Harlem$2,873-11%
489Montura$2,873-11%
490Pioneer$2,873-11%
491Key Colony Beach$2,876-11%
492Marathon Shores$2,876-11%
493Kathleen$2,876-11%
494Big Coppitt Key$2,878-11%
495Key West$2,878-11%
496Stock Island$2,878-11%
497Eaton Park$2,884-11%
498Winter Springs$2,886-11%
499Neptune Beach$2,887-11%
500Longwood$2,890-11%
501Baldwin$2,893-10%
502Bradley Junction$2,893-10%
503Fuller Heights$2,893-10%
504Mulberry$2,893-10%
505Indian Lake Estates$2,894-10%
506Fort Meade$2,895-10%
507Highland Park$2,895-10%
508Willow Oak$2,896-10%
509Lakeland Highlands$2,898-10%
510Medulla$2,899-10%
511Parrish$2,901-10%
512Buckingham$2,902-10%
513Fort Myers Shores$2,902-10%
514Tice$2,902-10%
515Bradley$2,905-10%
516Nichols$2,905-10%
517Babson Park$2,906-10%
518Wekiwa Springs$2,907-10%
519Combee Settlement$2,909-10%
520Crystal Lake$2,909-10%
521Polk City$2,911-10%
522Key Largo$2,912-10%
523North Key Largo$2,912-10%
524Long Key$2,914-10%
525Islamorada$2,917-10%
526Islamorada, Village of Islands$2,920-10%
527Grant$2,921-10%
528Grant-Valkaria$2,921-10%
529Alturas$2,921-10%
530Tavernier$2,923-10%
531Lake Wales$2,924-9%
532Fussels Corner$2,925-9%
533Lakeland$2,928-9%
534Highland City$2,928-9%
535Crooked Lake Park$2,929-9%
536Waverly$2,929-9%
537Whitfield$2,935-9%
538Indian River Shores$2,936-9%
539South Beach$2,936-9%
540Wabasso Beach$2,936-9%
541Windsor$2,936-9%
542Altamonte Springs$2,937-9%
543Auburndale$2,942-9%
544Middleburg$2,943-9%
545Bartow$2,948-9%
546Malabar$2,950-9%
547Palm Bay$2,950-9%
548Fleming Island$2,951-9%
549Plymouth$2,952-9%
550Four Corners$2,952-9%
551Oakleaf Plantation$2,953-9%
552Zellwood$2,953-9%
553Lakeside$2,957-8%
554Forest City$2,958-8%
555River Ranch$2,963-8%
556Cypress Gardens$2,965-8%
557Buckhead Ridge$2,970-8%
558Okeechobee$2,970-8%
559Homeland$2,973-8%
560Lakeshore$2,973-8%
561Nalcrest$2,973-8%
562Bradenton Beach$2,974-8%
563Holmes Beach$2,974-8%
564Winter Haven$2,974-8%
565Doctors Inlet$2,976-8%
566Bellair-Meadowbrook Terrace$2,976-8%
567Eagle Lake$2,986-8%
568Christmas$2,989-7%
569Taylor Creek$2,989-7%
570South Apopka$2,989-7%
571Jan Phyl Village$2,995-7%
572Wahneta$2,995-7%
573Apopka$2,998-7%
574Bradenton$3,002-7%
575Cortez$3,003-7%
576West Bradenton$3,013-7%
577Ellenton$3,018-7%
578Dundee$3,020-7%
579Orange Park$3,034-6%
580Windermere$3,034-6%
581Inwood$3,038-6%
582Horizon West$3,039-6%
583Bay Lake$3,039-6%
584Goldenrod$3,039-6%
585Lakewood Park$3,041-6%
586Oakland$3,043-6%
587St. Lucie Village$3,043-6%
588Casselberry$3,044-6%
589Grenelefe$3,045-6%
590Gotha$3,048-6%
591West Samoset$3,053-5%
592Ocoee$3,053-5%
593Jacksonville$3,053-5%
594Lake Alfred$3,056-5%
595Winter Garden$3,056-5%
596Doctor Phillips$3,059-5%
597Winter Park$3,061-5%
598Haines City$3,064-5%
599Kenansville$3,073-5%
600Lake Hamilton$3,074-5%
601Davenport$3,077-5%
602Bay Hill$3,080-5%
603Tangelo Park$3,080-5%
604Killarney$3,083-5%
605Nobleton$3,106-4%
606Loughman$3,109-4%
607Fort Pierce$3,109-4%
608Fern Park$3,112-4%
609Bithlo$3,114-4%
610Wedgefield$3,122-3%
611Fort Pierce North$3,125-3%
612Port St. Lucie$3,129-3%
613Terra Ceia$3,132-3%
614Celebration$3,135-3%
615North Brooksville$3,135-3%
616Palmetto$3,136-3%
617Port Salerno$3,142-3%
618Indiantown$3,144-3%
619River Park$3,147-3%
620Sewall's Point$3,156-2%
621Memphis$3,157-2%
622Williamsburg$3,158-2%
623Stuart$3,160-2%
624Palm City$3,160-2%
625Poinciana$3,164-2%
626Hobe Sound$3,166-2%
627St. Cloud$3,176-2%
628Eatonville$3,176-2%
629Ocean Breeze Park$3,177-2%
630Rio$3,177-2%
631Conway$3,178-2%
632North River Shores$3,182-1%
633Anna Maria$3,190-1%
634Alafaya$3,191-1%
635Union Park$3,197-1%
636South Bradenton$3,198-1%
637South Brooksville$3,203-1%
638Brooksville$3,203-1%
639Fort Pierce South$3,204-1%
640Indian River Estates$3,204-1%
641White City$3,204-1%
642Jensen Beach$3,2280%
643Samoset$3,2310%
644Istachatta$3,2430%
645Hunters Creek$3,2471%
646Rio Pinar$3,2491%
647Jupiter$3,2531%
648Brookridge$3,2601%
649High Point$3,2601%
650North Weeki Wachee$3,2601%
651Bayshore Gardens$3,2631%
652Tequesta$3,2631%
653Kissimmee$3,2681%
654Ridge Manor$3,2731%
655Orlando$3,2771%
656Hutchinson Island South$3,2802%
657Jupiter Farms$3,2822%
658Azalea Park$3,2912%
659Fairview Shores$3,2982%
660Limestone Creek$3,2992%
661Campbell$3,3032%
662Clarcona$3,3213%
663Plant City$3,3303%
664Connerton$3,3333%
665Maitland$3,3393%
666Timber Pines$3,3403%
667Spring Hill$3,3484%
668Lake Harbor$3,3494%
669Pasadena Hills$3,3494%
670Hernando Beach$3,3594%
671Weeki Wachee Gardens$3,3594%
672Ruskin$3,3654%
673Sun City Center$3,3684%
674Fish Hawk$3,3694%
675Lithia$3,3694%
676Southchase$3,3734%
677Dade City$3,3775%
678Apollo Beach$3,3785%
679Saint Leo$3,3895%
680Trilby$3,3895%
681Intercession City$3,3925%
682Balm$3,4045%
683Wimauma$3,4045%
684Belle Isle$3,4045%
685Zephyrhills North$3,4075%
686Crystal Springs$3,4126%
687St. Leo$3,4136%
688Zephyrhills$3,4156%
689Dade City North$3,4156%
690Lacoochee$3,4156%
691Zephyrhills South$3,4176%
692Zephyrhills West$3,4176%
693San Antonio$3,4186%
694Quail Ridge$3,4226%
695St. Pete Beach$3,4326%
696Treasure Island$3,4326%
697Buenaventura Lakes$3,4356%
698Orlovista$3,4366%
699Tierra Verde$3,4467%
700Juno Beach$3,4497%
701Juno Ridge$3,4547%
702North Palm Beach$3,4577%
703Wesley Chapel$3,4687%
704Cabana Colony$3,4717%
705Indian Rocks Beach$3,4838%
706Indian Shores$3,4838%
707Odessa$3,4968%
708Meadow Woods$3,4988%
709Taft$3,4988%
710Durant$3,5018%
711Sun City$3,5018%
712Sydney$3,5018%
713Ridgecrest$3,5018%
714Bay Pines$3,5028%
715Madeira Beach$3,5028%
716North Redington Beach$3,5028%
717Redington Beach$3,5028%
718Redington Shores$3,5028%
719Dover$3,5069%
720Belleair Beach$3,5099%
721Lockhart$3,5119%
722Land O' Lakes$3,5159%
723South Bay$3,5259%
724Pahokee$3,5289%
725Weston$3,5309%
726Southwest Ranches$3,5319%
727Seminole$3,53810%
728Belle Glade$3,54010%
729Trinity$3,54210%
730Valrico$3,55010%
731Belleair Bluffs$3,55210%
732Harbor Bluffs$3,55210%
733Cheval$3,55710%
734Belleair$3,55810%
735Largo$3,56210%
736Canal Point$3,56710%
737Bardmoor$3,57011%
738Palm Beach Gardens$3,57611%
739Keystone$3,57811%
740Shady Hills$3,57911%
741Clearwater Beach$3,58611%
742Edgewood$3,59511%
743Oak Ridge$3,59811%
744Pine Castle$3,59811%
745East Lake$3,59811%
746Sky Lake$3,60111%
747Holden Heights$3,60111%
748Lutz$3,60612%
749Clearwater$3,60812%
750Greenbriar$3,60912%
751Westchase$3,61112%
752Feather Sound$3,61712%
753Safety Harbor$3,61912%
754Pinellas Park$3,62512%
755Loxahatchee$3,62612%
756Loxahatchee Groves$3,62612%
757Thonotosassa$3,62812%
758South Highpoint$3,63112%
759Pebble Creek$3,63513%
760Cooper City$3,63613%
761Tarpon Springs$3,65013%
762Bloomingdale$3,65113%
763Meadow Oaks$3,65113%
764Crystal Beach$3,65313%
765Oldsmar$3,65313%
766Fisher Island$3,65413%
767Dunedin$3,65413%
768Pine Hills$3,65613%
769Hudson$3,65713%
770Heritage Pines$3,66313%
771St. Petersburg$3,66413%
772Ozona$3,66513%
773West Lealman$3,67214%
774Lealman$3,67814%
775Palm Harbor$3,67914%
776Kenneth City$3,68114%
777Bear Creek$3,69014%
778South Pasadena$3,69014%
779Broadview Park$3,69014%
780Moon Lake$3,69414%
781River Ridge$3,69414%
782Davie$3,69714%
783Plantation$3,69714%
784Bayonet Point$3,69915%
785Gulfport$3,70015%
786Riverview$3,71415%
787Pembroke Pines$3,72715%
788Elfers$3,72815%
789New Port Richey$3,72915%
790New Port Richey East$3,73115%
791Jasmine Estates$3,73516%
792Aripeka$3,73516%
793Richmond Heights$3,74816%
794Seffner$3,74816%
795Gibsonton$3,74816%
796The Acreage$3,75516%
797Pinecrest$3,75616%
798South Miami$3,75916%
799University$3,76216%
800Beacon Square$3,76216%
801Key Vista$3,76817%
802Holiday$3,78117%
803Port Richey$3,78117%
804Key Biscayne$3,78617%
805Lauderdale-by-the-Sea$3,79217%
806Watergate$3,80918%
807Miramar$3,83119%
808Fort Lauderdale$3,83919%
809Palmetto Bay$3,84519%
810Brandon$3,84919%
811Hillsboro Beach$3,85319%
812Riviera Beach$3,86120%
813North Bay Village$3,88120%
814Citrus Park$3,88220%
815Bal Harbour$3,88620%
816Bay Harbor Islands$3,88620%
817Surfside$3,88620%
818Coconut Creek$3,90321%
819Northdale$3,90321%
820Parkland$3,90421%
821Miami Beach$3,90621%
822Highland Beach$3,91621%
823Palmetto Estates$3,92321%
824West Perrine$3,92321%
825Deerfield Beach$3,92722%
826Kendall$3,93122%
827Sunrise$3,95122%
828Coral Gables$3,95122%
829The Crossings$3,95322%
830Three Lakes$3,95322%
831Coral Springs$3,95622%
832Sunset$3,97723%
833Golden Beach$3,98423%
834Sunny Isles Beach$3,98423%
835Boca Raton$3,99124%
836Lighthouse Point$3,99724%
837Wilton Manors$4,00324%
838Pompano Beach$4,00524%
839Temple Terrace$4,01424%
840Country Walk$4,01424%
841The Hammocks$4,01424%
842Dania$4,02725%
843Medley$4,04025%
844Hollywood$4,04725%
845Margate$4,08026%
846Oakland Park$4,09327%
847Pembroke Park$4,09927%
848West Park$4,09927%
849Gulf Stream$4,09927%
850Aventura$4,10127%
851Wellington$4,10727%
852Florida City$4,10927%
853Golf$4,11127%
854Royal Palm Beach$4,11527%
855Dania Beach$4,11627%
856Mango$4,11828%
857Glenvar Heights$4,12028%
858Ojus$4,12728%
859South Miami Heights$4,13028%
860Hallandale Beach$4,13728%
861Homestead Base$4,15028%
862Leisure City$4,15028%
863Palm River-Clair Mel$4,17129%
864Progress Village$4,17129%
865Cutler Bay$4,17129%
866Richmond West$4,17229%
867Kendall West$4,17829%
868Hallandale$4,20330%
869Tamarac$4,20530%
870Kendale Lakes$4,20830%
871Lake Belvedere Estates$4,21631%
872Royal Palm Estates$4,21631%
873Carrollwood$4,22531%
874Delray Beach$4,22631%
875Boynton Beach$4,23631%
876Lauderhill$4,24431%
877Homestead$4,24431%
878Greenacres$4,24731%
879Goulds$4,26632%
880Lake Park$4,26632%
881Princeton$4,27032%
882Ocean Ridge$4,27632%
883Palm Beach Shores$4,27732%
884Naranja$4,28233%
885Tampa$4,28333%
886Doral$4,28633%
887Mangonia Park$4,29133%
888Lake Magdalene$4,29233%
889East Lake-Orient Park$4,29833%
890North Lauderdale$4,30233%
891Miami Springs$4,31033%
892Virginia Gardens$4,31033%
893El Portal$4,31334%
894Lauderdale Lakes$4,32734%
895Boulevard Gardens$4,32934%
896Franklin Park$4,32934%
897Roosevelt Gardens$4,32934%
898Washington Park$4,32934%
899Atlantis$4,32934%
900Hypoluxo$4,32934%
901Lantana$4,32934%
902San Castle$4,32934%
903Seminole Manor$4,32934%
904Lakewood Gardens$4,34134%
905Country Club$4,34334%
906Palm Springs North$4,34334%
907Kenwood Estates$4,35035%
908Plantation Mobile Home Park$4,35735%
909Schall Circle$4,35735%
910Stacey Street$4,35735%
911West Palm Beach$4,35835%
912South Palm Beach$4,35935%
913Haverhill$4,36035%
914Lake Worth$4,36035%
915Palm Springs$4,37535%
916Miami$4,38736%
917Westgate$4,40336%
918Gun Club Estates$4,40836%
919Lake Clarke Shores$4,40836%
920Pine Air$4,40836%
921Ives Estates$4,41337%
922North Miami Beach$4,47338%
923Palm Beach$4,48339%
924Olympia Heights$4,49839%
925Opa-locka$4,50940%
926Tamiami$4,51140%
927Westwood Lakes$4,51540%
928Miami Gardens$4,51640%
929Coral Terrace$4,53540%
930West Miami$4,53540%
931Town 'n' Country$4,53941%
932Westchester$4,54141%
933Sweetwater$4,54441%
934University Park$4,54741%
935Biscayne Park$4,56941%
936Fountainebleau$4,57342%
937Miami Lakes$4,59242%
938Hialeah Gardens$4,60142%
939Miami Shores$4,61643%
940North Miami$4,62043%
941Hialeah$4,67845%
942Golden Glades$4,69945%
943Egypt Lake-Leto$4,76447%
944Gladeview$4,77248%
945West Little River$4,77248%
946Pinewood$4,78648%
947Westview$4,80249%
948Brownsville$4,82049%
These costs are just estimates and will not necessarily represent how much your actual auto insurance rates will be.

Florida auto insurance rate increases

Following a 4% year-over-year increase from 2018 to 2019, rates again increased in 2020. In the last year, the cost of car insurance rose by 3.2% among the 10 largest insurers in the state. Cumulatively, car insurance rates across these insurers have have increased 40.1% from 2015 to 2020.

InsurerMarket share201820192020
GEICO24%8%4%7%
Progressive21%0%-3%0%
State Farm14%1%-4%-9%
Allstate9%3%6%2%
USAA7%5%13%6%
Liberty Mutual3%9%3%4%
Travelers2%6%0%0%
Kemper2%6%-13%0%
Direct Auto2%5%7%17%
Farmers2%4%6%1%
2019 rate change figures represent the year-to-date change (reported by S&P)

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.

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 for 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 Florida'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 Motor Vehicle 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 part 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 if you 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
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We have included the minimum insurance coverage you are required to have for your car, per the Florida Office of Insurance Regulation and the state's motor vehicle requirements.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeBorder--root ShortcodeBorder--with-padding\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EBodily injury liability and uninsured motorist coverage come standard and recommended with your policy by auto insurers, but they are \u003Cstrong\u003Erejectable\u003C\/strong\u003E in writing.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EFlorida's minimum required car insurance coverage limits are as follows:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Personal injury protection (PIP): $10,000 per accident\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Property damage liability (PDL): $10,000 per accident\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003EThough you may meet Florida'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.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n 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.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThis 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.\u003C\/p\u003E\n\n\u003Ch3\u003EFlorida No-Fault Law\u003C\/h3\u003E\n\n\u003Cp\u003EFlorida 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 Motor Vehicle No-Fault Law thus helps ensure that drivers receive appropriate medical care and some degree of financial protection.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EFor this reason, Florida drivers need to carry \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What Is Personal Injury Protection Car Insurance?\" href=\"https:\/\/www.valuepenguin.com\/personal-injury-protection-car-insurance\"\u003Epersonal injury protection (PIP)\u003C\/a\u003E\u003C\/span\u003E and property damage liability coverage (PDL) as part of their car insurance policy.\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 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.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n PDL reimburses property damage to other drivers' vehicles in an accident, up to $10,000. 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FR-44 coverage requirements are substantially higher than no-fault minimum coverages or SR-22 certificates. Specifically, FR-44 insurance requires:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Bodily injury liability (BIL): $100,000 per person\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Bodily injury liability (BIL): $300,000 per accident\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Property damage liability (PDL): $50,000 per accident\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Recap of the cheapest car insurance in Florida

  • Cheapest for minimum coverage: GEICO
  • Cheapest full coverage: GEICO
  • Cheapest after an accident: GEICO
  • Cheapest for drivers with a speeding ticket: State Farm
  • Cheapest for drivers with a DUI: State Farm
  • Cheapest for drivers with bad credit: GEICO
  • Cheapest for married drivers: GEICO
  • Cheapest for young drivers: GEICO
  • Cheapest full coverage for young drivers: GEICO
  • Cheapest for young drivers with one accident: GEICO
  • Cheapest for young drivers with one speeding ticket: GEICO

Methodology

We collected thousands of rates from ZIP codes across Florida for the largest 10 insurers. We used a sample driver with the following profile:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Average credit

The base policy for the study was a full-coverage policy with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
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 our minimum-coverage policy, we quoted a policy with the minimum required limits in Florida, above.

For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.

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.