Cheapest and Best Car Insurance Quotes in Florida (2023)
Cheapest and Best Car Insurance Quotes in Florida (2023)
Geico has the best cheap liability car insurance in Florida, at $28 per month. State Farm has the cheapest full coverage rate, at $127 per month.
Best cheap car insurance companies in Florida
To help you get the best cheap auto insurance in Florida, our editorial team compared quotes for the top car insurance companies across every ZIP code in the state. We ranked the best Florida companies based on customer service, complaints, affordable rates and financial stability.
To find the best cheap companies in FL, we averaged quotes for minimum coverage, which meets Florida's state requirements. Quotes for full coverage policies included collision and comprehensive coverage plus higher liability limits than state minimums.
Cheapest insurance in Florida for full coverage: State Farm
The average cost of full coverage car insurance in Florida is $238 per month, or $2,860 per year.
State Farm has the cheapest full coverage auto insurance in Florida, with quotes at $127 per month. That's 47% cheaper than the statewide average. Geico also has cheap full coverage at $140 per month, which is 41% cheaper than average.
Find Cheap Auto Insurance Quotes in Florida
Cheapest companies for full coverage insurance in Florida
Company | Monthly rate | |
|---|---|---|
| State Farm | $127 |
| Geico | $140 |
| Travelers | $193 |
| Farmers | $241 |
| UAIC | $281 |
Cheapest car insurance in Florida: Geico
Geico has the cheapest liability-only car insurance in Florida at $28 per month. Florida drivers could also save on car insurance with State Farm, with rates averaging $38 per month.
The average cost of car insurance in Florida is $91 per month, or $1,089 per year, for minimum liability.
Cheap liability-only quotes in Florida
Company | Monthly rate | |
|---|---|---|
|
| Geico | $28 |
|
| State Farm | $38 |
|
| Travelers | $59 |
|
| Farmers | $74 |
|
| UAIC | $125 |
What's the best car insurance in FL?
Liability-only policies meet Florida's minimum insurance requirements. This means they have $10,000 of personal injury protection (PIP) coverage and $10,000 of property damage liability per accident.
Full coverage policies also have coverage for bodily injury liability. This pays for injuries to the other driver. Plus, full coverage includes collision and comprehensive. This pays to repair your car after a crash, a hurricane, a hit-and-run or another accident.
Full coverage car insurance is a good idea for most Florida drivers with cars worth more than $5,000. It's also required if you have a car loan or lease.
Find the best cheap car insurance near you
Find Cheap Auto Insurance Quotes in Florida
Best auto insurance for seniors in Florida: Geico
Geico has the cheapest full coverage quotes for senior drivers, averaging $117 per month for a 65-year-old driver in Florida. State Farm is also an affordable company, with average rates of $131 per month for senior car insurance in Florida.
Company | Age 65 | Age 75 | Age 85 |
|---|---|---|---|
| Geico | $117 | $133 | $163 |
| State Farm | $131 | $149 | $187 |
| Travelers | $200 | $245 | $322 |
| UAIC | $252 | $269 | $269 |
| Nationwide | $254 | $325 | $412 |
Car insurance quotes usually go up after age 65 or so. That's because insurance companies find that senior drivers are more likely to get into accidents.
Florida seniors can use discounts to save 10% to 20%. Both Geico and State Farm have defensive driving and low mileage discounts.
Cheapest Florida car insurance for young drivers: Geico
Geico is the cheapest car insurance company for 18-year-old drivers. In Florida, Geico's rates are 69% cheaper than average for teens looking for minimum coverage insurance. And Geico is 52% cheaper for full coverage car insurance.
State Farm also offers cheap coverage, at 52% less than average for minimum liability and 47% cheaper for full coverage.
Florida's 18-year-old drivers pay around $115 more per month versus an older driver buying the same minimum coverage policy.
Cheap car insurance companies for 18-year-olds in FL
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $63 | $325 |
| State Farm | $98 | $355 |
| Travelers | $135 | $523 |
| Farmers | $243 | $814 |
| Progressive | $247 | $725 |
The cost of car insurance for teen drivers is much more expensive than for older drivers. The average cost of full coverage for Florida teenagers is $672 per month. That's nearly three times what a 30-year-old driver pays. However, teenagers can still find affordable car insurance in Florida by comparing rates from multiple companies.
Cheapest Florida car insurance company with a ticket: State Farm
State Farm has the cheapest car insurance for people who have gotten a speeding ticket. At $136 per month for full coverage, State Farm's rates are 52% cheaper than the state average for drivers with a ticket.
Company | Monthly rate |
|---|---|
| State Farm | $136 |
| Geico | $220 |
| Travelers | $239 |
| UAIC | $281 |
| Farmers | $292 |
Geico also has cheap rates for drivers with a speeding ticket. It costs $220 per month, on average, which is more affordable than many companies. But Geico's rates are $84 per month more expensive than State Farm's.
Cheap auto insurance for Florida drivers after an accident: State Farm
State Farm and Geico have the cheapest full coverage car insurance for Florida drivers who have caused a car accident. Both companies have monthly rates of less than $200.
After one accident, State Farm charges drivers an average of $147 per month, which is 57% cheaper than average. Geico charges drivers an average of $184 per month after an accident, which is 47% cheaper than average.
Cheapest FL car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $147 |
| Geico | $184 |
| Travelers | $264 |
| Farmers | $338 |
| UAIC | $363 |
Just a single accident on your driving record can raise your rates by $106 per month — an increase of 44%.
Cheapest rates for young drivers in FL after a ticket or accident: Geico
Geico has the most affordable car insurance for young drivers after a speeding ticket or an accident. A policy from Geico costs $74 per month with a speeding ticket — 67% cheaper than average. And you might not see your rate increase if you have first accident forgiveness.
Company | Ticket rate | Accident rate |
|---|---|---|
| Geico | $74 | $75 |
| State Farm | $108 | $119 |
| Travelers | $164 | $186 |
| Progressive | $281 | $275 |
| Farmers | $294 | $311 |
Car insurance costs 9% more after a ticket and 17% more after an accident for 18-year-old drivers.
Cheap DUI car insurance in Florida: Geico
Geico has the cheapest car insurance in Florida for drivers with a DUI, with an average quote of $229 per month. Farmers is the second most affordable company, with an average rate of $259 per month.
Rates increase by an average of 54% for drivers who have a DUI or DWI in Florida.
Cheapest DUI car insurance companies in FL
Company | Monthly rate |
|---|---|
| Geico | $229 |
| Farmers | $259 |
| Travelers | $285 |
| Progressive | $348 |
| State Farm | $466 |
Best FL quotes for drivers with bad credit: Geico
Geico and State Farm offer the best cheap coverage for Florida drivers with poor credit. Both companies offer full coverage car insurance rates that are more than 30% cheaper than average.
Company | Monthly rate |
|---|---|
| Geico | $247 |
| State Farm | $274 |
| UAIC | $281 |
| Farmers | $335 |
| Travelers | $402 |
Florida allows insurance companies to use your credit history when determining your car insurance rates. In Florida, drivers with poor credit pay 65% more for car insurance than those with good credit.
Florida's cheapest car insurance for married drivers: State Farm
State Farm has the cheapest full coverage car insurance for married drivers in Florida, at $127 per month.
It's common for married drivers to get cheaper car insurance rates than unmarried drivers. In Florida, car insurance for married drivers tends to cost 4% less than rates for single drivers. However, this discount isn't the same across all companies. For example, Progressive's rates fell by $55 per month for married drivers, while State Farm's remained the same.
Cheapest insurance quotes for married drivers in Florida
Company | Monthly rate per car |
|---|---|
| State Farm | $127 |
| Geico | $141 |
| Travelers | $193 |
| Progressive | $238 |
| Farmers | $239 |
Best Florida car insurance companies
State Farm is the best car insurance company in Florida based on its affordable rates and reputation for dependable customer service.
Geico is another good company for Florida drivers. You can get quotes online without talking to an agent, and you could get some of Florida's cheapest rates.
Best auto insurance in FL
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Farmers | 815 | A | |
| Travelers | 829 | A++ | |
| Allstate | 824 | A+ | |
| Progressive | 819 | A+ | |
| UAIC | NR | NR |
Customer service is an important part of choosing the best car insurance company for you. Good service makes things easier in the stressful and difficult time after an accident.
Average cost of car insurance in Florida by city
Santa Rosa Beach is the cheapest city for car insurance in Florida, at $177 per month for a full coverage policy. Westview, just outside Miami, is the most expensive city, at $335 per month.
The average cost of auto insurance in Florida is $238 per month for a full coverage policy. Location, along with other characteristics about you and your car, can change your quotes.
City | Average monthly cost | Change from average |
|---|---|---|
| Alachua | $184 | -23% |
| Alafaya | $236 | -1% |
| Alford | $184 | -23% |
| Allentown | $210 | -12% |
| Altamonte Springs | $225 | -6% |
Auto insurance laws in Florida: Minimum-coverage requirements
Florida's minimum car insurance requirements are $10,000 of personal injury protection (PIP) and the same amount of property damage liability. This is less insurance than what most other states require, and it's set by the Florida Office of Insurance Regulation.
Coverage | Limit |
|---|---|
| Personal injury protection (PIP) | $10,000 per accident |
| Property damage liability (PDL) | $10,000 per accident |
Bodily injury liability and uninsured motorist coverage come standard with your policy. You can reject them in writing, but that's not recommended. The minimum limits you can get for either are $10,000 per person and $20,000 per accident.
How much insurance coverage should I get in Florida?
Though minimum coverage may meet Florida's auto insurance requirements, it may not be the right policy for you. Most drivers should get higher coverage limits if they can afford it.
If you are in an expensive accident, minimum coverage generally will not be enough to pay for all of the damage. You would have to pay for any damage your insurance doesn't cover.
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. This means insurance companies are required to pay for damage no matter who causes an accident. The Florida Motor Vehicle No-Fault Law helps ensure that drivers get appropriate medical care and some degree of financial protection.
Florida drivers need PIP and property damage liability coverage.
- PIP covers up to 80% of medical expenses and 60% of lost income if you can't work. The combined limit for these is up to $10,000 per accident.
- Property damage liability pays for repairs to other drivers' vehicles after an accident, up to $10,000. If your car is damaged, the other driver's policy will pay to repair your car.
Although Florida's no-fault law requires drivers to carry PIP, drivers can still be sued for causing serious injury or death. That's why having bodily injury liability (BIL) coverage is recommended to help protect you from expensive lawsuits.
Florida SR-22 and FR-44 policies
If you cause an accident that injures another person, or get a DUI, you have to buy extra coverage with higher limits. This is called SR-22 or FR-44 insurance, and the rules are under the Florida Financial Responsibility Law.
SR-22 insurance requirements in Florida
After accidents that result in any amount of injury, drivers are required to file SR-22 insurance. This is often referred to as a certificate of financial responsibility. In addition to Florida's no-fault requirements, SR-22 insurance requires:
- $10,000 of bodily injury liability per person
- $20,000 of bodily injury liability per accident
This coverage will pay for injuries to other drivers or passengers in an accident that you cause.
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 much higher than no-fault minimum coverages or SR-22 certificates.
FR-44 insurance requires:
- $100,000 of bodily injury liability per person
- $300,000 of bodily injury liability per accident
- $50,000 of property damage liability per accident
Frequently asked questions about car insurance in Florida
How much is car insurance in Florida?
The average cost of car insurance in Florida is $91 per month for liability-only coverage, or $238 per month for full coverage. Teenagers pay an average of $205 per month for minimum coverage auto insurance in Florida.
Who has the cheapest car insurance in Florida?
Geico has the cheapest car insurance in Florida for minimum liability coverage, at $28 per month. State Farm offers the cheapest rates for full coverage policies at $127 per month.
Why is car insurance in Florida so expensive?
Car insurance costs more in Florida than in other states because of the many uninsured drivers in the state. Plus, Florida's roads are often crowded with millions of tourists, and more drivers on the road can mean more accidents. Hurricanes also affect rates because insurance will pay for repairs if you have comprehensive coverage.
What's considered good car insurance in Florida?
State Farm and Geico are both good car insurance companies for Florida drivers. They have cheap quotes, useful coverage options and dependable customer support. Both of these top companies also have affordable rates for teenagers and for drivers with a ticket.
Who's cheaper than Geico in Florida?
State Farm has cheaper quotes than Geico for full coverage car insurance in Florida. Also, if you've gotten a speeding ticket or been in a car accident, State Farm is cheaper than Geico.
What's included in minimum-coverage auto insurance in Florida?
Florida requires drivers to have $10,000 in personal injury protection and $10,000 in property damage liability. Florida doesn't require bodily injury liability, which is required in most states. Florida is the second-most expensive state to insure a car with a minimum-liability policy.
Methodology
We collected thousands of rates from every ZIP code in Florida for the largest car insurance companies. Quotes are based on a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Unless otherwise noted, all rates are based on a full coverage policy.
- Liability: 50/100/25 in bodily injury and property damage
- Uninsured driver: 50/100/25 in bodily injury and property damage
- PIP: $10,000 per accident
- Collision and comprehensive: Coverage with a $500 deductible
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.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.