Cheapest Car Insurance Quotes in Florida for October 2024
State Farm offers some of the cheapest car insurance rates in Florida, at $66 per month for liability only and $83 for full coverage.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated October 8, 2024
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Table of contents
The average cost of car insurance in Florida is $257 per month for full coverage — the third-highest in the country, according to Insurify’s latest auto insurance report.
This cost is largely a result of the high number of severe weather events the state sees, which drives up the probability of drivers filing a claim and puts a strain on Florida insurers.
Fortunately, Sunshine State drivers can still find affordable car insurance through companies like State Farm, GEICO, and Allstate by comparing multiple quotes at once.
Quick Facts
State Farm, GEICO, and Allstate offer the cheapest liability-only policies in Florida.
State Farm offers the cheapest full-coverage policies in Florida, with monthly rates of $83.
To lock in the lowest auto premiums in Florida, shop around, bundle your policy, and take advantage of discounts.
3 of the cheapest car insurance companies in Florida
Here’s a closer look at the cheapest car insurance companies in the Sunshine State. Note that the right company for you will depend on your individual situation and needs. It’s a good idea to weigh the pros and cons of all your options so you can hone in on the ideal choice.
Insurance Company ▲▼ | 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. ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $66 | $83 | Full coverage |
| Allstate | 8.9 | $115 | $145 | Teen drivers |
| GEICO | 9.0 | $68 | $85 | Drivers with incidents |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for full coverage: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| 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. | $66/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. | $83/mo |
More than 20% of Florida drivers are uninsured, and a full-coverage insurance policy can help protect your finances if you’re in an accident with a driver who doesn’t have insurance. State Farm offers competitive full-coverage rates in the Sunshine State and is the largest U.S. auto insurer, with a 16.9% market share.
State Farm offers car, home, and life insurance. Customers can choose from a long list of additional insurance coverages and take advantage of discounts to save money on their premiums.
Pros
Strong financial strength ratings
Rideshare car insurance coverage available
Cons
Gap insurance not available
Must purchase policy through a local agent
Read more driver reviews of State Farm
Pam - October 7, 2024
Verified
State Farm's High Rates for Seniors
For my vehicle, which is a 2004 model, and considering my age (70), plus my accident-free record and lack of tickets, there are no benefits for seniors. State Farm's rates are ridiculously high. I also have my home insurance with them. It was difficult to get information when I added two riders; I had to jump through hoops.
Enes - October 7, 2024
Verified
Too High Rate
The rate is too high.
Charles - October 7, 2024
Verified
Very Satisfied
I am very satisfied so far.
…
Best insurer for teen drivers: Allstate
AllstateCompare personalized, real-time quotes
| User Reviews | 3.1 |
|---|---|
| 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. | 8.9/10 |
| 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. | $115/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. | $145/mo |
Teen drivers pay higher car insurance rates than any other age group because they lack experience behind the wheel. Allstate offers competitive rates for teens and young drivers in Florida. Teens could save even more on their coverage by taking advantage of the company’s good student discount.
Allstate is available in all 50 states, and it also offers home, motorcycle, ATV, renters, condo, and term life insurance.
Pros
Well-established with superior ratings from A.M. Best
Pay-per-mile option available
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
Read more driver reviews of Allstate
Steven - October 7, 2024
Verified
Allstate Cost
Shop around. I've been told their cost is higher than others.
Lynda - October 7, 2024
Verified
Got Ghosted
Don't expect a callback from the insurer after multiple attempts.
Lawrence - October 7, 2024
Verified
Catch 21
It wasn't very good. I was given one price and five months later, it increased by $128.
…
Best insurer for drivers with incidents: GEICO
GEICOCompare personalized, real-time quotes
| User Reviews | 3.1 |
|---|---|
| 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. | 9.0/10 |
| 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. | $68/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. | $85/mo |
Having an incident on your driving record, like an at-fault accident, can cause your car insurance rates to increase. GEICO offers accident forgiveness coverage, and your rates won’t go up after your first at-fault accident. As one of the largest insurers in the U.S., GEICO is a reliable choice if you’re looking for car insurance. It also has an AM Best financial strength rating of A++ (Superior), indicating a strong ability to pay claims.
Pros
Usage-based insurance program known as DriveEasy
Offers accident forgiveness
Cons
Rideshare insurance not available
Doesn’t offer gap insurance
Read more driver reviews of GEICO
Anirban - October 7, 2024
Verified
Best Insurance for Teslas
It offers the lowest rate compared to others.
Timothy - October 7, 2024
Verified
Used to Love Them, Not So Much Anymore
I've been with them for over 15 years and they are consistently increasing the prices every 6 months. It's truly disheartening.
Michael - October 7, 2024
Verified
Customer loyalty should matter, but it doesn't with them. I have had no claims in 9 years, and yet the rates keep going higher and higher.
Customer loyalty should matter, but it doesn't with them. I have had no claims in 9 years, and yet the rates keep going higher and higher.
…
How to get the cheapest car insurance in Florida
Factors like your age, vehicle make and model, and driving history all play a role in the cost of your car insurance.[1] But these tips can help you find the cheapest auto policies in Florida:[2]
Increase your deductible. A deductible is the amount of money you pay out of pocket for a claim before your car insurance kicks in and covers the rest. A higher deductible can lower your monthly premiums, but make sure you can afford a higher deductible if you file a claim.
Bundle insurance policies. If you have homeowners or renters insurance, you might be able to bundle it with car insurance and save some money. Most car insurance companies offer bundling discounts.
Look for discounts. Many insurance companies advertise long lists of discounts. Compare their lists and determine which ones you’re eligible for to find the cheapest potential rates.
Shop around. It might be tempting to go with the first car insurance option you find. But doing so may cost you. Be sure to shop around and compare all your options so you can find the ideal coverage for the best rate.
Find Cheap Car Insurance in Florida
Liability rates start at $66 per month
Secure. Free. Easy-to-use.Based on 3,806+ reviews4.8/5
Cheapest liability-only car insurance in Florida: State Farm
Liability-only car insurance covers the cost of the other driver’s property damage and injuries if you’re at fault for a car accident. It’s the most basic level of auto insurance coverage, and it’s required for drivers in the Sunshine State.
Liability insurance in Florida costs an average of $165 per month.
10 cheapest insurers for liability-only
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Florida: State Farm
Full-coverage car insurance includes liability insurance as well as comprehensive and collision insurance. While a full-coverage policy isn’t a legal requirement in Florida, it can provide you with extra financial protection and peace of mind. It’s worth considering if you drive a new or expensive car, commute often, or have an auto loan or lease.
Florida drivers pay an average of $257 per month for full-coverage car insurance.
The table below shows the insurers with the cheapest full-coverage policies in Florida.
10 cheapest insurers for full coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Florida
Drivers using Insurify have found quotes as cheap as $51/mo for liability only and $74/mo for full coverage in Florida.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 8, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 8, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 8, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 8, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Why are car insurance rates in Florida so high?
Florida drivers see the third-highest car insurance rates in the country, largely due to the effects of rising inflation, a high number of uninsured drivers, and the increasing severity of climate catastrophes.
As of January 2024, Florida drivers face an average annual premium of $2,917 for full-coverage car insurance — 23% higher than what they paid in 2023 and a full 44% higher than the national average, according to Insurify’s 2024 Auto Insurance Report.
Overall, full-coverage car insurance prices rose 24% over the course of 2023. The report predicts an additional 7% increase through the end of 2024, meaning Florida drivers may pay more than $3,000 for coverage by year’s end.
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Floridians spend 4.3% of their income on car insurance. The average American spends only about 2.6%.
Florida’s severe risk of climate catastrophes plays a large part in these high prices. Close to 27% of Florida counties are at a “relatively high” natural disaster risk, according to FEMA, and a further 6% are at a “very high” risk. Miami-Dade, Florida’s most populous county, is also at a “very high” risk. This increases the probability of insurance claims in Florida, leading insurers to raise prices to cover the risk.
)
Severe weather events, like Hurricane Ian, the high cost of damages, and associated lawsuits have also led to insurers pulling out of Florida. Farmers Insurance stopped writing and renewing auto, homeowners, and umbrella policies in July 2023, affecting 100,000 Floridians. If this trend continues, Florida drivers will have fewer options available for car insurance.
Car insurance requirements in Florida
Florida’s car insurance requirements are different from other states because its requirements don’t include bodily injury coverage. Instead, drivers must have personal injury protection (PIP) and property damage liability insurance. PIP covers medical expenses that result from a car accident, no matter who’s at fault.
Here are the minimum car insurance requirements for Florida drivers:[3]
$10,000 of personal injury protection (PIP)
Florida requires drivers to carry $10,000 of PIP coverage. Personal injury protection can pay for both medical expenses and non-medical expenses related to injuries you or your passengers suffer in a car accident.
$10,000 of property damage liability
Florida requires drivers to carry $10,000 of property damage liability coverage. Your liability insurance pays for damage to the other party’s vehicle or personal property in an accident you cause.
Even though Florida only requires PIP and property damage liability, many drivers can benefit from additional coverage options, including:
Collision coverage
Collision insurance covers damages to your car after colliding with another vehicle or object, like a tree or fence.
Comprehensive coverage
Comprehensive insurance covers vehicle loss and damage that comes from incidents other than car accidents, like hurricanes, theft, and vandalism.
Gap coverage
Gap insurance pays the difference between your auto loan and the actual cash value (ACV) of your car after a total loss. It’s recommended for drivers who finance or lease their cars.
Roadside assistance coverage
If you’re on the side of the road with a dead car battery or a flat tire, roadside assistance coverage can help pay for a jump-start, tire change, or car tow.
Cheapest car insurance for drivers with an incident
Incidents refer to at-fault accidents, speeding tickets, DUIs, and other moving violations you might commit as a driver in the Sunshine State. Since incidents may cause insurance companies to see you as a high-risk driver, they often lead to increased car insurance rates.
For example, if you have a DUI in Florida, you can expect to pay 99% more, on average, for car insurance than you would with a clean driving record.
Shop for Car Insurance in Florida
Rates start at $76 per month for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
While a speeding ticket might not seem like a big deal, it can lead to higher car insurance premiums. In Florida, drivers with a speeding ticket pay 34% more, on average, for car insurance.
The table below shows cheap liability-only auto insurance companies in Florida for drivers with a speeding ticket.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $66 | $78 |
| GEICO | $68 | $82 |
| Allstate | $115 | $138 |
| Mile Auto | $118 | $146 |
| Travelers | $137 | $166 |
| Liberty Mutual | $141 | $184 |
| Mercury | $144 | $186 |
| Direct Auto | $157 | $188 |
| Safeco | $162 | $197 |
| Progressive | $183 | $219 |
| Infinity | $194 | $242 |
| Foremost | $204 | $266 |
| Dairyland | $221 | $266 |
| GAINSCO | $223 | $291 |
| AssuranceAmerica | $243 | $295 |
| Bristol West | $251 | $301 |
| National General | $288 | $347 |
| The General | $309 | $375 |
| Hugo | $337 | $400 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you’re at fault for a car accident in Florida, you should expect higher rates for a car insurance policy.[1] Depending on the auto insurance company and your particular situation, you may pay 43% more, on average, for car insurance.
Here are the auto insurers that offer the cheapest minimum-coverage rates per month for drivers with at-fault accidents in Florida.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $66 | $84 |
| GEICO | $68 | $88 |
| Allstate | $115 | $148 |
| Mile Auto | $118 | $160 |
| Travelers | $137 | $177 |
| Liberty Mutual | $141 | $195 |
| Mercury | $144 | $198 |
| Direct Auto | $157 | $206 |
| Safeco | $162 | $203 |
| Progressive | $183 | $238 |
| Infinity | $194 | $245 |
| Foremost | $204 | $282 |
| Dairyland | $221 | $282 |
| GAINSCO | $223 | $274 |
| AssuranceAmerica | $243 | $310 |
| Bristol West | $251 | $320 |
| National General | $288 | $373 |
| The General | $309 | $404 |
| Hugo | $337 | $465 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI is a serious offense that can increase your car insurance costs in Florida.[1] If you’ve been convicted of a DUI, you may pay 100% more, on average, for car insurance. Be aware that having a DUI on your record can make it difficult to find an insurer willing to cover you.
Here are the cheapest liability-only Florida car insurance companies for drivers with a DUI.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $66 | $104 |
| GEICO | $68 | $107 |
| Allstate | $115 | $182 |
| Mile Auto | $118 | $187 |
| Travelers | $137 | $217 |
| Liberty Mutual | $141 | $223 |
| Mercury | $144 | $207 |
| Direct Auto | $157 | $248 |
| Safeco | $162 | $256 |
| Progressive | $183 | $289 |
| Infinity | $194 | $307 |
| Foremost | $204 | $322 |
| Dairyland | $221 | $349 |
| GAINSCO | $223 | $353 |
| AssuranceAmerica | $243 | $384 |
| Bristol West | $251 | $397 |
| National General | $288 | $455 |
| The General | $309 | $488 |
| Hugo | $337 | $533 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Seniors in Florida often face higher car insurance rates due to physical and mental impairments that interfere with their ability to drive safely.[4] Rates typically decrease around age 35 but increase around age 70.
Senior drivers in Florida pay an overall average of $169 per month for car insurance.
Here’s a look at the cheapest monthly car insurance rates for Florida seniors.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $50 | $63 |
| GEICO | $53 | $67 |
| Mile Auto | $88 | $117 |
| Allstate | $91 | $115 |
| Travelers | $106 | $133 |
| Mercury | $110 | $141 |
| Liberty Mutual | $116 | $213 |
| Direct Auto | $121 | $227 |
| Progressive | $129 | $187 |
| Safeco | $134 | $150 |
| Infinity | $145 | $201 |
| Foremost | $159 | $248 |
| Dairyland | $173 | $303 |
| AssuranceAmerica | $181 | $310 |
| GAINSCO | $184 | $225 |
| Bristol West | $198 | $292 |
| National General | $218 | $228 |
| The General | $248 | $359 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: GEICO
Compared to adults, teenagers in Florida pay much more for car insurance. This is because they have less experience on the road and are more likely to cause an accident.
Car insurance for Florida teens costs $343 per month, on average.
To land the cheapest rates, teens can stay on their parents’ policy, take an approved defensive driving course, and look for good student discounts. Here are the cheapest monthly car insurance rates for teen drivers in Florida.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| GEICO | $104 | $130 |
| State Farm | $109 | $137 |
| Allstate | $196 | $247 |
| Mile Auto | $222 | $295 |
| Travelers | $239 | $300 |
| Liberty Mutual | $241 | $443 |
| Mercury | $250 | $321 |
| Direct Auto | $276 | $521 |
| Safeco | $314 | $351 |
| Progressive | $315 | $458 |
| Infinity | $341 | $473 |
| Dairyland | $349 | $610 |
| Foremost | $350 | $546 |
| GAINSCO | $376 | $460 |
| Bristol West | $409 | $605 |
| AssuranceAmerica | $433 | $742 |
| The General | $474 | $686 |
| National General | $550 | $577 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Florida
Check quotes from 100+ top insurance companies
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Florida car insurance quotes by credit tier
In general, drivers with good to excellent credit are less risky and tend to file fewer claims than drivers with poor credit. Insurance companies in Florida are legally allowed to consider the credit scores of prospective policyholders to help determine their car insurance premiums — but it can’t be the only factor they use.[5]
As you can see from the chart below, a Florida driver with excellent credit will pay $175 less, on average, for an auto policy than a driver with poor credit.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Florida car insurance FAQs
Learn more about shopping for car insurance and comparing quotes in Florida by checking out the answers to these frequently asked questions.
How much is car insurance in Florida?
The average cost of car insurance in Florida is $165 per month for liability insurance and $257 per month for full coverage, according to Insurify data.
Which companies have the cheapest car insurance in Florida?
The cheapest full-coverage car insurance companies in Florida are State Farm, GEICO, and Allstate, while the cheapest liability-only insurers are State Farm, GEICO, and Allstate.
While these are the cheapest companies, according to Insurify data, always compare quotes from multiple companies with similar coverage levels to find the insurer that meets your coverage needs at the best price for you.
What are the best car insurance companies in Florida?
State Farm, GEICO, and Allstate are among the top auto insurers in Florida because they balance affordable rates with strong customer satisfaction and financial ratings. Plus, they have higher IQ Scores than other insurers that Insurify analyzed.
Why is Florida car insurance so expensive?
Florida car insurance is so expensive because the state has such a high rate of uninsured drivers and catastrophic weather events, according to an Insurify study. Plus, Florida experiences a variety of severe weather conditions — like flooding, fires, and storms — that can increase the risk of vehicle damage.[6]
Do you need personal injury protection in Florida?
Yes. Florida requires drivers to purchase personal injury protection insurance to drive legally.[3]
Insurify Insights
How Florida Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Florida below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Florida drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Toyota Corolla
Most Popular Car in Florida
#42
State with the Most Speeding Tickets Rank
#36
State with the Moving Violations Rank
#50
State with the Most DUIs Rank
#35
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Florida is the #28 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #28
- Percent of drivers in Florida with an accident: 8.5%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Florida is the #50 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #50
- Percent of drivers in Florida with a DUI: 0.6%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Florida is the #16 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #16
- Percent of drivers in Florida with a reckless driving offense: 1.6%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Florida is the #18 state in the country for drivers with a rude driving violation on record.
- Rank among states: #18
- Percent of drivers in Florida with a rude driving violation: 1.8%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Florida is the #42 state in the country for drivers with a speeding ticket on record.
- Rank among states: #42
- Percent of drivers in Florida with a speeding ticket: 6.6%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Florida is the #16 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #16
- Percent of drivers in Florida with a failure to yield violation: 0.2%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "How to save money on car insurance."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Online Sunshine. "Use of credit reports and credit scores by insurers."
- Florida Department of Transportation. "Severe Weather Awareness."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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