Cheapest Car Insurance Quotes in Florida for February 2024

Auto-Owners offers some of the cheapest car insurance rates in Florida at $90 per month for liability only and $129 for full coverage.

Anna Baluch
Written byAnna Baluch
Photo of an Insurify author
Anna BaluchInsurance Writer
  • 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.

Featured in

media logomedia logomedia logo
Courtney Mikulski
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

media logomedia logo
Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 February 14, 2024 at 7:23 AM PST

Save up to $717 by comparing quotes from the top 70+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

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.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

The average cost of car insurance in Florida is $243 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.

Fortunately, Sunshine State drivers can still find affordable car insurance through companies like State Farm, Hugo, GEICO, and Allstate by comparing multiple quotes all at once.

As you shop for cheap car insurance, be sure to consider factors other than cost, such as coverage type and the financial stability of the insurer. Here’s what you need to know about cheap car insurance in Florida.

Quick Facts
  • The cheapest car insurance company in Florida is Auto-Owners, with average liability-only premiums of $90 per month.

  • USAA, Auto-Owners, and State Farm offer the cheapest rates for Florida drivers with incidents on their records.

  • To lock in the lowest auto premiums in Florida, shop around, bundle your policy, and take advantage of discounts.

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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Monthly QuoteBest for
Allstate4.1$138Teens
State Farm4.4$79Full coverage
GEICO4.3$81Drivers with incidents
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best full-coverage insurance: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
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.
$79/mo

State Farm is the largest U.S. auto insurer with a 16.9% market share. The company 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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best for teen drivers: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
849
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.
$119/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.
$138/mo

Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.

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

Our agent was always available for questions and concerns.

Lyn - December 4, 2023
Verified

Prices keep going up.

Gilberto - December 2, 2023
Verified

They are overcharging me for basic insurance.

Brian - November 29, 2023
Verified
Read our Allstate review

Best for drivers with incidents: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$70/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.
$81/mo

GEICO is one of the largest insurers in the U.S., tied with Progressive and Allstate. The company is a reliable choice for those looking for car insurance, with A.M. Best giving it its highest financial strength rating. 

Pros
  • Usage-based insurance program known as DriveEasy

  • Offers accident forgiveness

Cons
  • Rideshare insurance not available 

  • Doesn’t offer gap insurance

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

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] However, these tips can help you find the cheapest auto policies in Florida:[2]

  1. 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.

  2. 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.

  3. Look for discounts. Many insurance companies advertise long lists of discounts to drivers. Compare their lists and determine which ones you’re eligible for to find the cheapest potential rates.

  4. 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.

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 required for drivers in the Sunshine State.

Here’s a look at the cheapest liability-only car insurance options in Florida.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm68
GEICO70
Hugo77
Allstate119
Mile Auto133
Safeco139
Travelers141
Mercury150
Liberty Mutual159
Direct Auto161
Midvale Home & Auto175
Progressive179
Infinity193
Foremost210
Dairyland214
AssuranceAmerica229
Bristol West279
The General317
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.

The table below shows the insurers with the cheapest full-coverage policies in Florida.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm79
GEICO81
Hugo86
Allstate138
Travelers166
Mercury176
Mile Auto185
Safeco190
GAINSCO218
Liberty Mutual239
Direct Auto245
Progressive254
Midvale Home & Auto255
Infinity303
AssuranceAmerica309
National General309
Foremost318
Dairyland382
Bristol West397
The General445
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.

Estimate your insurance costs

Select discounts that apply to you
Save 27%
Save 7%
Save 22%
Save 39%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

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 the 2024, meaning Florida drivers may pay more than $3,000 for coverage by year's end. 

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 is at fault.

Here are the minimum car insurance requirements for Florida drivers:[3]

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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 insurance: Collision insurance covers damages to your car after colliding with another vehicle or object, like a tree or fence.

  • Comprehensive insurance: Comprehensive insurance covers vehicle loss and damage that comes from incidents other than car accidents, like hurricanes, theft, and vandalism.

  • Gap coverage: Guaranteed asset protection (gap) coverage pays the difference between your auto loan and the actual cash value of your car after a total loss. It’s recommended for drivers who finance or lease their cars.

  • Roadside assistance: If you’re on the side of the road with a dead car battery or a flat tire, this 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.

Find Cheap Car Insurance in Florida

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest car insurance for drivers with a speeding ticket: USAA

While a speeding ticket might not seem like a big deal, it can lead to higher car insurance premiums.[1] In Florida, drivers with a speed ticket pay 34% more, on average, for car insurance.

The table below shows where you’ll find cheap auto insurance companies in Florida for drivers with a speeding ticket.

Insurance CompanyAverage Cost: Liability OnlyAverage Cost: Full Coverage
USAA$115$195
Auto-Owners Insurance Company$117$167
State Farm$120$195
GEICO$129$211
Safeco$133$219
Hugo$137$194
Allstate$161$266
Liberty Mutual$169$291
American Family$191$327
National General$215$393
Farmers$249$402
Progressive$265$371
The General$278$444
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: USAA

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 monthly rates for drivers with at-fault accidents in Florida.

Insurance CompanyAverage Cost: Liability OnlyAverage Cost: Full Coverage
USAA$124$210
Auto-Owners Insurance Co$126$180
State Farm$129$210
GEICO$138$227
Safeco$144$236
Hugo$147$209
Allstate$173$287
Liberty Mutual$182$313
American Family$206$352
National General$231$424
Farmers$268$433
Progressive$285$399
The General$299$479
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: USAA

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.

Here are the cheapest Florida car insurance companies for drivers with a DUI.

Insurance CompanyAverage Cost: Liability OnlyAverage Cost: Full Coverage
USAA$137$232
Auto-Owners Insurance Co$140$200
State Farm$143$233
GEICO$153$252
Safeco$159$261
Hugo$163$231
Allstate$192$317
Liberty Mutual$202$347
American Family$228$390
National General$256$469
Farmers$297$480
Progressive$316$442
The General$331$530
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: USAA

Seniors in the Sunshine State 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 at around 75.

Here’s a look at the cheapest monthly car insurance rates for Florida seniors.

Insurance CompanyAverage Cost: Liability OnlyAverage Cost: Full Coverage
USAA$66$112
Auto-Owners Insurance Co$68$97
State Farm$69$113
GEICO$74$122
Safeco$77$126
Hugo$79$112
Allstate$93$154
Liberty Mutual$98$168
American Family$110$189
National General$124$227
Farmers$144$232
Progressive$153$214
The General$160$256
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: USAA

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.[1] 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.

Insurance CompanyAverage Cost: Liability OnlyAverage Cost: Full Coverage
USAA$131$222
Auto-Owners Insurance Co$133$191
State Farm$136$222
GEICO$146$240
Safeco$152$249
Hugo$156$221
Allstate$183$303
Liberty Mutual$193$331
American Family$217$372
National General$244$448
Farmers$283$458
Progressive$302$422
The General$316$506
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 Cheap Car Insurance in Florida

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 those 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 $163 a month for liability insurance and $239 a month for full coverage.

  • Who has the cheapest car insurance in Florida?

    The cheapest full-coverage car insurance companies in Florida are Auto-Owners, State Farm, Hugo, and GEICO, while the cheapest liability-only insurers are Auto-Owners, State Farm, and GEICO.

    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 Auto-Owners 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 may be 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

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. III. "What determines the price of an auto insurance policy?." Accessed June 17, 2023
  2. III. "How to save money on car insurance." Accessed June 17, 2023
  3. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements." Accessed June 17, 2023
  4. III. "Senior driving safety and insurance tips." Accessed June 17, 2023
  5. Online Sunshine. "626.9741 Use of credit reports and credit scores by insurers.." Accessed June 17, 2023
  6. Florida Department of Transportation. "Severe Weather Awareness." Accessed June 17, 2023
Anna Baluch
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 Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
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

media logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all