120+ more)
)
12+ years in personal finance and insurance writing
Former financial analyst
)
)
)
)
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
)
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Florida drivers pay an average of $176 per month for car insurance coverage. That breaks down to $135 per month for liability-only coverage and $217 per month for full coverage.
Several rate factors affect car insurance rates, including age, driving history, credit, and coverage choices. We collected rates from 120+ auto insurers to help you find the best options for coverage. Here’s a look at the cheapest insurers in Florida for different types of drivers.
Driver Category  | Cheapest Insurance Company in Florida | Cheapest Monthly Quote in FL |
|---|---|---|
| Overall | Progressive | $95 |
| State minimum coverage | Progressive | $95 |
| Full coverage | State Farm | $144 |
| Drivers with a clean record | Progressive | $95 |
| After a speeding ticket | Progressive | $111 |
| After an at-fault accident | Progressive | $121 |
| After a DUI | Progressive | $126 |
| Teen/new drivers | Progressive | $162 |
| Seniors | Progressive | $86 |
| Bad credit | Progressive | $119 |
If you’re looking for basic liability coverage, Progressive offers the most affordable liability car insurance in Florida, averaging $95 per month — that’s less than the statewide average of $135 per month.
Liability insurance covers damage you cause to others and their property, but it won’t pay to repair your own vehicle.
The table below shows the cheapest liability-only rates in Florida, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $95 |
| Mile Auto | $103 |
| State Farm | $103 |
| Clearcover | $104 |
| GEICO | $117 |
| Dairyland | $121 |
| Embark | $131 |
| Infinity | $133 |
| Direct Auto | $148 |
| Mercury | $148 |
| GAINSCO | $151 |
| The General | $159 |
| Bristol West | $171 |
| Allstate | $179 |
| Root | $180 |
| AssuranceAmerica | $182 |
| National General | $182 |
| Travelers | $213 |
| Insurify Car | $236 |
| Hugo | $251 |
| Mendota | $278 |
| First Acceptance | $290 |
| Liberty Mutual | $291 |
| Liberty Mutual | $291 |
)
Brett Clendenen
P&C Licensed Sales Manager, Insurify
Liability-only coverage meets Florida’s legal requirements, but for many drivers, it may not be enough. Since Florida is a no-fault state with many uninsured drivers, having only liability coverage could mean you end up paying for repairs, storm damage, or hit-and-run accidents yourself.
For full-coverage car insurance in Florida, drivers pay an average of $217 per month. Insurers like State Farm offer lower premiums.
In addition to basic liability, full-coverage insurance also includes collision coverage and comprehensive coverage, both of which can protect your vehicle in the event of collision, vandalism, theft, or other damages. If you’re financing or leasing, your lender will likely require it.
Here are the cheapest insurers for full-coverage car insurance in Florida, according to Insurify data:
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $144 |
| Progressive | $160 |
| Mile Auto | $166 |
| Mercury | $197 |
| GEICO | $203 |
| National General | $211 |
| Clearcover | $223 |
| Direct Auto | $223 |
| Bristol West | $238 |
| Allstate | $250 |
| Infinity | $251 |
| The General | $263 |
| Embark | $285 |
| AssuranceAmerica | $286 |
| Root | $290 |
| Travelers | $297 |
| GAINSCO | $307 |
| Liberty Mutual | $327 |
| Liberty Mutual | $327 |
| Dairyland | $341 |
| First Acceptance | $370 |
| Mendota | $378 |
*Quotes generated for Insurify users from Florida within the last 10 days. Last updated on April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Florida within the last 10 days. Last updated on April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Insurify Car is a weekly, liability-only car insurance option available to Florida drivers who need flexible, short-term coverage.
Unlike traditional six-month or annual policies, Insurify Car lets you pay every seven days. You can also cancel your policy anytime. It’s a good fit for people who need immediate coverage with a manageable initial payment, occasional drivers, or anyone who doesn’t need full coverage.
Visit the Insurify Car page for full details on pricing and eligibility.
Finding the best car insurance companies in Florida means balancing price with coverage quality and customer service. It’s particularly important to choose the right insurer in the Sunshine State, where rates are higher than the national average. Here are our top picks.
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $103/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $144/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm offers the lowest rates for most types of drivers in Florida. With its large agent network, it’s easy for Florida drivers to get help with claims, policy changes, and the state’s no-fault insurance requirements. State Farm’s bundling discounts can provide meaningful savings if you own more than one vehicle or own a home.
Lowest average rates for most drivers
Large network of local Florida agents
Strong home and auto bundling discounts
No gap coverage available
Few optional coverage options
Doesn’t offer accident forgiveness
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $103/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $166/mo |
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 4.1 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 4.1 | 2.9 |
Drivers appreciate the quality service but find the rates high and claim processing slow.
Mile Auto specializes in pay-per-mile insurance, making it an excellent choice for Floridians who work from home or drive infrequently. If you drive fewer than 10,000 miles annually, you may save substantially more compared to traditional policies.
Strong option for low mileage
Pay-per-mile pricing model
No tracking app or plug-in device required
Available in few states
Limited discount options
Requires manual mileage reporting
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 587 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $95/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $160/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive stands out for its extensive coverage options and budget-friendly tools. Its Name Your Price tool lets you find policies that match your budget. Progressive’s Snapshot program can also help you earn discounts over time. If you’re a Florida rideshare driver, Progressive offers coverage to fill gaps when you’re driving with Uber or Lyft.
Flexible optional coverage
Name Your Price feature
Rideshare coverage available for gig drivers
Higher average rates than some Florida competitors
Low customer satisfaction in Florida
Telematics program may increase rates
Florida remains a relatively expensive state for car insurance, according to Insurify’s 2026 Auto Insurance Rates Report.
After easing slightly in 2025, average full-coverage rates are projected to rise modestly in 2026. Looking ahead, Insurify data scientists project that Sunshine State drivers will pay about $2,734 per year by the end of 2026, up from $2,723 in 2025.
For detailed trends in your area, see our breakdown of the average cost of car insurance in Florida.
The table below shows how Florida car insurance rates have changed over the last five years. Understanding these trends can help you anticipate future costs and find the right time to shop for a new policy.
State Name | 2021-03 | 2021-04 | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | 1,569 | 1,560 | 1,557 | 1,553 | 1,555 | 1,559 | 1,559 | 1,564 | 1,567 | 1,569 | 1,570 | 1,573 | 1,580 | 1,594 | 1,604 | 1,609 | 1,614 | 1,620 | 1,627 | 1,634 | 1,642 | 1,653 | 1,667 | 1,690 | 1,721 | 1,759 | 1,803 | 1,851 | 1,888 | 1,920 | 1,958 | 1,985 | 2,007 | 2,037 | 2,077 | 2,129 | 2,195 | 2,241 | 2,301 | 2,342 | 2,369 | 2,390 | 2,386 | 2,373 | 2,370 | 2,361 | 2,349 | 2,364 | 2,366 | 2,366 | 2,355 | 2,341 | 2,318 | 2,286 | 2,257 | 2,228 | 2,215 | 2,222 | 2,223 | 2,224 | 2,233 |
| Florida | 2,188 | 2,176 | 2,168 | 2,162 | 2,158 | 2,160 | 2,168 | 2,173 | 2,173 | 2,174 | 2,182 | 2,188 | 2,202 | 2,214 | 2,223 | 2,227 | 2,235 | 2,239 | 2,249 | 2,269 | 2,278 | 2,293 | 2,330 | 2,359 | 2,404 | 2,452 | 2,520 | 2,581 | 2,615 | 2,644 | 2,669 | 2,689 | 2,709 | 2,740 | 2,756 | 2,780 | 2,830 | 2,872 | 2,899 | 2,900 | 2,883 | 2,849 | 2,832 | 2,829 | 2,807 | 2,785 | 2,720 | 2,704 | 2,702 | 2,714 | 2,698 | 2,690 | 2,707 | 2,700 | 2,679 | 2,660 | 2,660 | 2,704 | 2,729 | 2,743 | 2,776 |
Compare quotes starting at $95 per month
Like most states, Florida requires that drivers meet certain insurance requirements. For example, as a no-fault state, car owners must maintain personal injury protection. This coverage pays for 80% of all necessary medical expenses (up to your coverage maximum) for you and your passengers, regardless of who caused the accident.
Florida law also requires you to maintain liability coverage for any property damage you may cause in an accident, though there’s no minimum liability requirement for bodily injuries — a rare exclusion.[1]
Here’s a look at Florida’s minimum auto insurance requirements:
Coverage Type | Minimum Amount Required |
|---|---|
| Property damage liability | $10,000 |
| Personal injury protection | $10,000 |
Where you live in the Sunshine State significantly affects your car insurance premiums. Miami Gardens is among Florida’s most expensive cities for car insurance, while North Port tends to be one of the cheapest. South Florida cities generally see higher premiums due to denser traffic and more frequent claims.
The table below provides average rates for several cities across Florida, based on Insurify data.
City | Average Monthly Quote |
|---|---|
| Apopka | $189 |
| Cape Coral | $165 |
| Clearwater | $172 |
| Davenport | $183 |
| Daytona Beach | $175 |
| Fort Lauderdale | $209 |
| Fort Myers | $172 |
| Gainesville | $152 |
| Jacksonville | $181 |
| Jupiter | $160 |
| Lakeland | $172 |
| Melbourne | $155 |
| Miami | $228 |
| Naples | $160 |
| Ocala | $164 |
| Orlando | $200 |
| Palm Bay | $165 |
| Panama City | $146 |
| Pensacola | $159 |
| Pompano Beach | $208 |
| Riverview | $209 |
| Saint Petersburg | $180 |
| Sarasota | $152 |
| Spring Hill | $192 |
| Tallahassee | $160 |
| Tampa | $229 |
| West Palm Beach | $212 |
| Winter Haven | $176 |
If you have good credit and a clean driving record, you’ll have a better chance of qualifying for Florida’s best rates. Florida drivers with a clean record can find the most affordable rates with Progressive.
The table below shows the cheapest rates for drivers with good credit and a clean record in Florida.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $99 |
| State Farm | $101 |
| Mile Auto | $102 |
| Clearcover | $108 |
| Dairyland | $118 |
| GEICO | $118 |
| Infinity | $125 |
| Embark | $137 |
| Direct Auto | $145 |
| GAINSCO | $147 |
| Mercury | $149 |
| The General | $156 |
| AssuranceAmerica | $166 |
| Bristol West | $169 |
| National General | $171 |
| Allstate | $180 |
| Root | $183 |
| Travelers | $209 |
| Insurify Car | $247 |
| Hugo | $260 |
| Mendota | $291 |
| First Acceptance | $303 |
| Liberty Mutual | $310 |
| Liberty Mutual | $310 |
In Florida, getting cited for speeding between 10 and 14 mph over the limit costs $100, and a ticket for going 20–29 mph over the speed limit costs $175.[2]
A speeding ticket will also typically raise your Florida car insurance rates when your policy renews. Progressive offers the lowest rates in Florida.
Below, you’ll find the cheapest rates for drivers with a speeding ticket in Florida, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $111 |
| Mile Auto | $122 |
| State Farm | $126 |
| Clearcover | $128 |
| Dairyland | $145 |
| GEICO | $148 |
| Embark | $153 |
| Infinity | $164 |
| GAINSCO | $174 |
| Direct Auto | $180 |
| Mercury | $199 |
| The General | $206 |
| Bristol West | $209 |
| National General | $219 |
| AssuranceAmerica | $224 |
| Allstate | $225 |
| Root | $232 |
| Travelers | $267 |
| Insurify Car | $276 |
| Hugo | $309 |
| Mendota | $325 |
| First Acceptance | $339 |
| Liberty Mutual | $358 |
| Liberty Mutual | $358 |
In Florida, most non-serious moving violations, including many car accidents, stay on your driving record for three to five years, though more serious crashes or violations can remain longer.[3] Even if someone borrows your car and gets in an accident, your insurance may still apply, according to Florida law.[4]
Progressive offers the most affordable rates to drivers in Florida after an accident. Check out the cheapest insurers in Florida for drivers with an accident on their record.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $121 |
| State Farm | $134 |
| Mile Auto | $137 |
| Clearcover | $147 |
| GEICO | $151 |
| Dairyland | $157 |
| Embark | $167 |
| Infinity | $173 |
| GAINSCO | $190 |
| Direct Auto | $198 |
| The General | $215 |
| Mercury | $218 |
| Bristol West | $222 |
| Allstate | $236 |
| Root | $237 |
| AssuranceAmerica | $237 |
| National General | $238 |
| Travelers | $282 |
| Insurify Car | $301 |
| Hugo | $327 |
| Mendota | $355 |
| First Acceptance | $370 |
| Liberty Mutual | $380 |
| Liberty Mutual | $380 |
You’ll pay a fine between $500 and $1,000 and face jail time of up to six months for a first DUI conviction in Florida.[5]
A driving under the influence (DUI) conviction significantly affects your Florida car insurance rates and requires an FR-44 filing.[6] You’ll pay considerably more for DUI car insurance in Florida — an average of $179 per month for a liability policy.
Below, you’ll find a list of the cheapest insurance companies for Florida drivers with a DUI, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $126 |
| Mile Auto | $142 |
| State Farm | $142 |
| Clearcover | $144 |
| GEICO | $160 |
| Dairyland | $167 |
| Embark | $173 |
| Infinity | $184 |
| Direct Auto | $205 |
| GAINSCO | $209 |
| The General | $212 |
| Mercury | $216 |
| Bristol West | $236 |
| Allstate | $247 |
| Root | $251 |
| AssuranceAmerica | $252 |
| National General | $252 |
| Travelers | $294 |
| Insurify Car | $312 |
| Hugo | $347 |
| Mendota | $368 |
| First Acceptance | $384 |
| Liberty Mutual | $402 |
| Liberty Mutual | $402 |
Florida requires certain high-risk drivers to file an FR-44 certificate rather than the more common SR-22. An FR-44 requires higher liability limits and typically results in higher premiums.
FR-44 drivers in Florida must maintain $100,000 per person and $300,000 per accident for bodily injury, plus $50,000 in property damage liability coverage. Alternatively, you can purchase an auto insurance policy with a combined single liability limit of $350,000. Either way, you need to maintain the FR-44 status for three years.
The table below shows the cheapest FR-44 car insurance rates in Florida, with Progressive offering the lowest rates.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $116 |
| Mile Auto | $125 |
| State Farm | $125 |
| Clearcover | $127 |
| GEICO | $142 |
| Dairyland | $147 |
| Embark | $160 |
| Infinity | $162 |
| Direct Auto | $180 |
| Mercury | $180 |
| GAINSCO | $184 |
| The General | $194 |
| Bristol West | $208 |
| Allstate | $218 |
| Root | $219 |
| AssuranceAmerica | $222 |
| National General | $222 |
| Travelers | $259 |
| Insurify Car | $287 |
| Hugo | $306 |
| Mendota | $339 |
| First Acceptance | $353 |
| Liberty Mutual | $354 |
| Liberty Mutual | $354 |
Compare rates for drivers with accidents, tickets, or other incidents
Florida teens can obtain a driver’s license at age 16, as long as they’ve had a valid learner’s permit for at least one year.[7] As in other states, teen driver insurance in Florida runs significantly higher than adult rates due primarily to inexperience and more aggressive driving.
Teen rates in Florida average $162 per month for liability policies. But shopping around and getting quotes from insurers, like Progressive — the cheapest company — can help you maximize your savings.
Below, you’ll find companies with the cheapest auto insurance rates for Florida teen drivers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $162 |
| Clearcover | $166 |
| State Farm | $195 |
| Dairyland | $204 |
| GEICO | $206 |
| Mile Auto | $207 |
| Infinity | $222 |
| Embark | $224 |
| Mercury | $263 |
| GAINSCO | $264 |
| The General | $277 |
| Direct Auto | $280 |
| Bristol West | $294 |
| Root | $304 |
| Allstate | $345 |
| National General | $355 |
| AssuranceAmerica | $367 |
| Insurify Car | $403 |
| Travelers | $433 |
| Hugo | $448 |
| Mendota | $475 |
| Liberty Mutual | $495 |
| Liberty Mutual | $495 |
| First Acceptance | $495 |
Senior drivers in Florida often pay some of the lowest rates, especially drivers in their 60s. Florida seniors pay a monthly average of $86 for liability policies, but you can get even cheaper rates with the right company.
Progressive has the cheapest car insurance for seniors in Florida.
Here are some of the cheapest insurers in Florida for senior drivers, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $83 |
| Mile Auto | $83 |
| Progressive | $86 |
| Clearcover | $94 |
| GEICO | $95 |
| Infinity | $99 |
| Dairyland | $105 |
| Embark | $118 |
| Mercury | $121 |
| Direct Auto | $124 |
| GAINSCO | $132 |
| The General | $138 |
| Bristol West | $146 |
| AssuranceAmerica | $146 |
| National General | $147 |
| Allstate | $149 |
| Root | $154 |
| Travelers | $174 |
| Insurify Car | $212 |
| Hugo | $222 |
| Liberty Mutual | $248 |
| Liberty Mutual | $248 |
| Mendota | $250 |
| First Acceptance | $261 |
Florida state law allows insurers to use credit-based insurance scores when setting rates, which means that drivers with bad credit typically pay more.[8] Drivers with poor credit in Florida pay an average of $119 per month for coverage, but you can get more affordable rates with Progressive.
Below, you’ll find a table listing other cheap Florida auto insurers for drivers with less-than-stellar credit, based on Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $119 |
| Mile Auto | $127 |
| Clearcover | $129 |
| GEICO | $145 |
| State Farm | $149 |
| Dairyland | $150 |
| Embark | $164 |
| Infinity | $164 |
| Mercury | $181 |
| Direct Auto | $183 |
| GAINSCO | $187 |
| The General | $196 |
| Bristol West | $211 |
| Allstate | $221 |
| Root | $222 |
| AssuranceAmerica | $225 |
| National General | $225 |
| Travelers | $263 |
| Insurify Car | $295 |
| Hugo | $310 |
| Mendota | $348 |
| Liberty Mutual | $349 |
| Liberty Mutual | $349 |
| First Acceptance | $363 |
Find liability coverage for as low as $95 per month
Florida drivers often have questions about coverage, costs, and state requirements. The answers below can help you understand what to look for when comparing car insurance quotes in Florida.
Progressive is the cheapest car insurance company in Florida, with liability rates of $95 per month, according to Insurify data.
Comparing quotes from multiple companies at renewal and bundling policies are two of the best ways to reduce Florida car insurance costs. You can also save by increasing your deductible, maintaining a clean driving record and good credit, and asking your insurer about available discounts.
Full-coverage car insurance refers to a policy that typically includes liability, collision, and comprehensive coverage. It helps pay for damage you cause to others, as well as repairs or replacement for your own vehicle after covered incidents. Full coverage doesn’t cover every situation, but it’s often required if you lease or finance a vehicle or own a new or high-value car.
It depends. The General can be a good option for drivers in Florida who need high-risk car insurance. Its rates are higher than average, so if you have a clean driving record, you may want to consider other insurers.
Florida law prohibits insurers from using your credit score to set auto insurance rates.[9] But insurers may use a credit-based insurance score, which relies on credit report information rather than your actual credit score. Drivers with poor credit often pay more for car insurance than drivers with good or excellent credit.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
12+ years in personal finance and insurance writing
Former financial analyst
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
