The cost of car insurance 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 learn which car insurance companies offer the best quotes for different types of drivers in Florida.
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.
Find Cheap Auto Insurance Quotes 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.
Minimum-coverage auto insurance policies only meet Florida's minimum requirements. Unlike full-coverage car insurance policies, minimum coverage doesn't include comprehensive and collision coverages.
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.
You may also find cheap full coverage from State Farm. The insurer's rates cost $1,342 per year less than the state average. State Farm is only $32 more expensive per month than Geico, on average. If a driver already has home or renters insurance with State Farm, the insurer could be a more affordable alternative to Geico due to bundling discounts.
Full-coverage car insurance includes comprehensive and collision coverages, which protect drivers against damage to their vehicles.
Cheap car insurance for drivers with prior incidents
The cost of Florida car insurance is typically more expensive for drivers who have been in crashes or who have gotten citations for DUIs or traffic violations. ValuePenguin found Geico and State Farm were the cheapest car insurance companies in Florida for high-risk 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 29% 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.
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.
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 annual cost is nearly $700 more expensive than State Farm's.
Cheapest for drivers with bad credit: Geico
Florida does not prohibit 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 drivers with poor credit are 46% less than average, and State Farm's are 38% cheaper.
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 compared to their single counterparts. However, this discount isn't the same across all insurers. Progressive's rates, for example, fell by $846 for married drivers, while State Farm's remained the same.
Cheapest car insurance for teenage drivers: Geico
Teenage drivers may pay $3,182 more per year for minimum-coverage car insurance in Florida than older drivers.
The cheapest full-coverage car insurance for most young drivers comes from Geico. In Florida, Geico's rates are 54% cheaper than what teenage drivers typically pay for full-coverage car insurance. Alternatively, State Farm also offers cheap coverage — the insurer charges $3,400 less than average.
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, teenagers can still find affordable car insurance in Florida by comparing rates from multiple companies.
Cheapest for teenage drivers with one accident: Geico
At-fault accidents cause the cost of car insurance to increase, and the effect is more strongly felt by teenage drivers whose premiums are already much more expensive than average. On average, Geico is the cheapest insurance provider for teenage drivers who have been in an accident. The insurer's rates are 59% cheaper than average.
Cheapest for teenage drivers with a speeding ticket: Geico
Young drivers with a speeding ticket could get affordable car insurance from Geico, which costs $5,152 per year — 47% cheaper than average.
Like at-fault accidents, receiving speeding tickets has an adverse effect on the cost of car insurance for teenagers and older drivers. On average, speeders see an average cost increase after a ticket that's $508 cheaper than the surcharge after an accident.
Best car insurance companies in Florida
To find the best auto insurance in Florida, we looked at which insurance companies 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, with 47% of people describing Allstate's customer service as "excellent."
Customer service rating
*Overall rank factors in claim satisfaction and customer service ratings. Full explanations of ratings are in the methodology.
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.
To recommend the best car insurance in Florida, we also evaluated customer service by the number of complaints each insurance company received. According to the National Association of Insurance Commissioners (NAIC), Allstate received the fewest number of complaints relative to the median amount, while Progressive got the most complaints.
J.D. Power claims score
A.M. Best rate
J.D. Power claims scores are out of 1,000, with higher scores being better. 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.
Average cost of car insurance in Florida by city
The cost of auto insurance in Florida is $3,230 per year for a full-coverage policy, or $269 per month. Location, along with other personal characteristics, can change your typical cost.
The city with the cheapest car insurance in Florida is Santa Rosa Beach, with an average cost of $2,322 per year, while Brownsville is the most expensive city.
Difference from average
|1||Santa Rosa Beach||$2,322||-28%|
Find Cheap Auto Insurance Quotes in Florida
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 increased 40.1% from 2015 to 2020.
2019 rate change figures represent the year-to-date change (reported by S&P).
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:
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
Recap of the cheapest car insurance in Florida
- Cheapest for minimum coverage: Geico
- Cheapest for 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 teenage drivers: Geico
- Cheapest full coverage for teenage drivers: Geico
- Cheapest for teenage drivers with one accident: Geico
- Cheapest for teenage drivers with one speeding ticket: Geico
Frequently asked questions about car insurance in Florida
How much is car insurance in Florida?
The average cost of car insurance in Florida is $3,230 per year, or $269 per month for most 30-year-old drivers. Teenagers pay on average $8,832 per year for auto insurance in Florida. Our study found that Florida is the second most expensive state to insure a car with a minimum liability policy.
Who has the cheapest car insurance in Florida?
Geico provides the cheapest car insurance in Florida for most people. The insurer offers the lowest rates for liability-only and full-coverage policies for young and old drivers. State Farm has the most affordable car insurance for drivers who have an accident, speeding ticket or DUI citation on their records.
Why is car insurance in Florida so expensive?
One reason that Florida's car insurance rates are relatively expensive compared to other states is because of the high number of uninsured drivers on the road. Additionally, Florida's roadways are often crowded with both state residents and millions of tourists. More drivers on the road increases the chance that accidents will occur — and that insurers will have to pay out on claims.
What is considered full-coverage auto insurance in Florida?
Florida's lawmakers require drivers to carry $10,000 of personal injury protection and $10,000 of property damage liability. Uncharacteristically, Florida doesn't require drivers to carry bodily injury liability, which is typically mandated in other states.
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:
|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.