Who Has the Cheapest Car Insurance Quotes in Florida? (2023)

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, affordability and financial stability.

To find the best cheap companies, we averaged quotes for minimum coverage, which meets Florida’s state requirements of $10,000 in personal injury protection (PIP) coverage and $10,000 in property damage coverage. Quotes for full coverage policies included collision and comprehensive coverage plus higher liability limits than state minimums.

Cheapest car insurance quotes in Florida: Geico

Geico has the cheapest minimum-coverage car insurance in Florida. Car insurance from Geico costs $28 per month, which is 69% less than the average cost of coverage in Florida.

The average cost of car insurance in Florida is $91 per month, or $1,089 per year, for minimum liability.

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Florida drivers may also find cheap quotes with State Farm, which is 58% cheaper than Florida’s average rates at $38 per month.

Cheapest minimum car insurance in FL

Cheapest full coverage auto insurance rates in Florida: State Farm

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, but $13 more expensive per month than State Farm.

The average cost of full coverage car insurance in Florida is $238 per month, or $2,860 per year.

Liability-only policies meet Florida’s minimum insurance requirements, which includes $10,000 of personal injury protection (PIP) coverage and $10,000 of property damage liability per accident.

Full coverage policies also include bodily injury liability coverage, which pays for injuries to the other driver, plus collision and comprehensive coverage, which covers repairs to your car from a crash, storm or other accident.

Full coverage car insurance is a good idea to protect newer cars or cars with a loan or lease from any type of road hazard.

Cheap Florida car insurance for drivers with prior incidents

State Farm and Geico are the cheapest car insurance companies in Florida for high-risk drivers.
The cost of Florida car insurance is typically more expensive for drivers who have been in a crash or received a ticket for a traffic violation or DUI.

Cheapest car insurance company with a speeding 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$136Geico$220Travelers$239UAIC$281Farmers$292

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Geico also has cheap rates for drivers with a speeding ticket, although Geico’s rates are $84 per month more expensive than State Farm’s.

Cheapest for Florida drivers after an accident: State Farm

State Farm and Geico have the cheapest full coverage car insurance for Florida drivers who have been in an at-fault accident, with monthly rates less than $200.

The cost of car insurance from State Farm for drivers with one accident is $147 per month, which is 57% cheaper than average. Geico’s rates are 47% cheaper than average, at $184 per month.

Cheapest FL car insurance after an accident

Company

Monthly rate

State Farm$147Geico$184Travelers$264Farmers$338UAIC$363

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Just a single accident on your driving record can raise your rates by $106 per month — an increase of 44%.

Cheapest quotes for Florida drivers with a DUI: 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 car insurance in FL after DUI

Company

Monthly rate

Geico$229Farmers$259Travelers$285Progressive$348State Farm$466

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Cheapest 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$247State Farm$274UAIC$281Farmers$335Travelers$402

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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.

Cheapest car insurance for senior drivers 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$163State Farm$131$149$187Travelers$200$245$322UAIC$252$269$269Nationwide$254$325$412

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You may see your car insurance quotes go up as you get older because insurance companies find that senior drivers are more likely to get into accidents. Florida seniors could get savings of 10% to 20% per discount if you qualify for a mature driver discount, defensive driver discount or low mileage discount.

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 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.

18-year-old drivers pay around $115 more per month for minimum-coverage car insurance in Florida than older drivers.

Cheapest car insurance for teens in Florida

Company

Liability only

Full coverage

Geico$63$325State Farm$98$355Travelers$135$523Farmers$243$814Progressive$247$725

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The cost of car insurance for teen drivers is much more expensive than for older drivers. For these drivers, the average cost of full coverage is $672 per month — nearly three times the average cost for 30-year-old drivers. However, teenagers can still find affordable car insurance in Florida by comparing rates from multiple companies.

Cheapest rates for teen drivers with a speeding ticket: Geico

Geico has the most affordable minimum-liability car insurance for young drivers with a speeding ticket. A policy from Geico costs $74 per month — 67% cheaper than average.

Company

Monthly rate

Geico$74State Farm$108Travelers$164Progressive$281Farmers$294

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Cheapest quotes for young drivers after an accident: Geico

Geico is the cheapest auto insurance company for teenage drivers who have been in an accident, at $65 per month for minimum coverage. That’s 75% cheaper than average.

At-fault accidents cause the cost of car insurance to increase by 17% in Florida, which is an even higher burden on teenage drivers whose quotes are already much more expensive.

Cheapest car insurance for teens in FL after an accident

Company

Monthly rate

Geico$65State Farm$119Travelers$186Progressive$275Farmers$311

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Cheapest 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 receive 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 car insurance for married drivers in FL

Company

Monthly rate per car

State Farm$127Geico$141Travelers$193Progressive$238Farmers$239

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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 — it offers a convenient online experience when purchasing a policy, along with some of the state’s cheapest rates.

Best auto insurance in FL

Company

Editor’s rating

J.D. Power

AM Best

State Farm

842A++Geico

835A++Farmers

815ATravelers

829A++Allstate

824A+Progressive

819A+UAIC

NRNR

Customer service is an important part of choosing the best car insurance company for you. Good service makes things easier in what is often a 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

Percent from average

Alachua$184-23%Alafaya$236-1%Alford$184-23%Allentown$210-12%Altamonte Springs$225-6%

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Auto insurance laws in Florida: Minimum-coverage requirements

Florida’s minimum required car insurance coverage limits, per the Florida Office of Insurance Regulation and the state’s motor vehicle requirements, only include $10,000 per accident of personal injury protection (PIP) and the same amount of property damage liability.

Bodily injury liability and uninsured motorist coverage come standard and are recommended with your policy, but you can reject them in writing. The minimum limits you can get for either are $10,000 per person or $20,000 per accident.

Though minimum coverage may meet Florida’s auto insurance requirements, it may not be the right policy for you. Most drivers should purchase higher coverage limits if they can afford it.

If you are in an expensive accident, minimum coverage generally will not be enough to fully cover the damage, 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 insurance companies are required to pay for damage regardless of who causes an accident. The Florida Motor Vehicle No-Fault Law helps ensure that drivers receive appropriate medical care and some degree of financial protection.

Florida drivers need to purchase PIP and property damage liability as part of their car insurance policy.

• PIP covers up to 80% of medical expenses and 60% of lost income if you can’t work, up to a combined limit of $10,000.
• Property damage liability 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 for causing serious injury or death. That’s why having bodily injury liability (BIL) coverage is often recommended to help protect you from expensive lawsuits.

Florida SR-22 and FR-44 policies

If you cause an accident that results in injury to another person, or if you are found to be driving under the influence, you will be required to purchase additional coverage and higher coverage limits under the Florida Financial Responsibility Law, called SR-22 or FR-44 insurance.

SR-22 insurance requirements

For accidents that result in any degree of injury or death, drivers will be required 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:

• $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 minimum 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 lowest rates for full coverage policies at $127 per month.

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 roads are often crowded with both state residents and millions of tourists each year. More drivers on the road increases the chance that accidents will happen — and that insurers will have to pay out claims.

Hurricanes also play a factor in Florida’s high car insurance rates — if your car is damaged in a storm, 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, offering cheap quotes, useful coverage options and dependable customer support. Both of these top companies also have affordable rates for teen drivers and drivers with a ticket, accident or other incident on their driving record.

Who’s cheaper than Geico in Florida?

State Farm has cheaper quotes than Geico for full coverage car insurance. Drivers who have gotten a speeding ticket or been in a car accident can also find the cheapest rates from State Farm.

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 typically required in other 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 with higher liability limits plus collision and comprehensive coverage:

• Bodily injury liability: $50,000 per person/$100,000 per accident
• Personal injury protection: $10,000
• Property damage liability: $25,000 per accident
• Uninsured/underinsured motorist bodily injury liability: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $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.