Cheap Auto Insurance Quotes in Florida (2021)

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Save on Car Insurance in the Sunshine State

As the third most populous state in the nation, it's no wonder that there are over twenty million registered vehicles in the state. 

With all those cars on the road, a solid auto insurance policy is essential for Sunshine State drivers of all ages and backgrounds. This guide to Florida car insurance will get you on the right path to the perfect policy for you and your lifestyle. Compare the cheapest and best quotes in Florida here.

Cheapest Car Insurance in Florida

Here are the cheapest carriers in Florida for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Florida.

Best Car Insurance in Florida

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Florida. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Florida

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Florida to find you the cheapest quotes in each of these metropolitan areas.

Miami, Florida's most populous city, is well known for its less than ideal traffic conditions. The metropolis ranks sixth for the cities with the worst traffic conditions, according to Insurify's recent data analysis of traffic congestion and commute times.

Quotes by Top Carriers
Quotes ($/mo)
$101
$204
$217
$226
$227
$234
$263
ProgressiveState FarmDirect AutoLiberty MutualTravelersMercuryThe General
Monthly $
CityCheapest Carrier
Progressive
$101/mo
Liberty MutualLiberty Mutual
$318/mo
Progressive
$225/mo
GEICO
$101/mo
Progressive
$172/mo
GEICO
$75/mo
Progressive
$129/mo
Progressive
$79/mo
Progressive
$120/mo
Progressive
$65/mo
Progressive
$101/mo
Progressive
$116/mo
Progressive
$82/mo
Progressive
$120/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$163/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$134/mo
Progressive
$199/mo
Progressive
$236/mo
Progressive
$154/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$179/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$135/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$121/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$195/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$126/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$158/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$132/mo
Progressive
$184/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$161/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$172/mo
National GeneralNational General
$141/mo
TravelersTravelers
$162/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$139/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$166/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$136/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$172/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$127/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$128/mo
Progressive
$247/mo
AssuranceAmericaAssuranceAmerica
$235/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$136/mo
Progressive
$130/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$160/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$144/mo
National GeneralNational General
$243/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$111/mo
Bristol WestBristol West
$171/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$134/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$146/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$161/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$114/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$158/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$181/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$121/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$123/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$114/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$192/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$148/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$158/mo
TravelersTravelers
$210/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$152/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$127/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$172/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$140/mo
Progressive
$130/mo
Progressive
$172/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$122/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$184/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$160/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$186/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$139/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$112/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$179/mo
Progressive
$172/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$154/mo
Progressive
$137/mo
SafecoSafeco
$171/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$190/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$145/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$135/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$185/mo
Progressive
$95/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$206/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$143/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$140/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$146/mo
Progressive
$110/mo
AssuranceAmericaEconomyAssuranceAmericaEconomy
$125/mo

Cheapest Liability Auto Insurance in Florida

For drivers in Florida, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Florida. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Florida.

Cheapest Full Coverage Auto Insurance in Florida

For drivers in Florida, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Florida. The following are the best insurance rates from carriers that offer full coverage auto insurance in Florida.

Florida Driving Facts

florida

Minimum Car Insurance Requirements in FL

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:

  • $10,000 no-fault or personal injury protection (PIP) insurance

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000.  In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law.

  • $10,000 property damage liability (PDL) insurance

The state minimum amount of property damage liability coverag  required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.

Cheapest Car Insurance Quotes in Florida by Profile

Here are the cheapest insurance companies in Florida based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Florida drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Florida, at $64 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
Progressive
$64/mo
GEICO
$68/mo
State Farm
$128/mo
Mercury
$149/mo
Direct Auto
$160/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
USAA
$74/mo
State Farm
$92/mo
AIG
$157/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
USAA
$42/mo
State Farm
$92/mo
AIG
$136/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
USAA
$42/mo
State Farm
$92/mo
AIG
$136/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Florida, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $36 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Florida 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Floridians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
USAA
$36/mo
GEICO
$60/mo
State Farm
$80/mo
Foremost Signature
$99/mo
Allstate
$126/mo

SR‌-22 Insurance in Florida

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Florida on your behalf.

FL HSMV Information

With a population nearing 20 million, it’s no wonder the Florida Department of Highway Safety and Motor Vehicles in all 67 counties at 146 outposts around the state. Most offices are open weekdays from 8:30 AM to 5 PM, with some locations offering additional early-morning and weekend hours. The Florida DHSMV is notorious for long lines and waits times; beat the wait by making an appointment online using OASIS or calling before your visit.

At the FHDMV, Florida residents can access services like driver’s license and identification card registration and renewal, vehicle registration, and license plate pick-up. Many services are available online and via U.S. Mail for convenience. Regardless of where you live in the Sunshine State, an FHDMV outpost shouldn’t be too far.

Insurify Insights: How Florida Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Florida drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Florida

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. Among all fifty states, Florida drivers rank 31 in the number of car accidents per driver.

  • Rank of States: #31
  • Percent of drivers in Florida with an accident: 9.68%
  • Drivers in FL with an accident in their driving history paid on average 33.73% more than drivers with a clean record

Speeding Florida

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Florida drivers rank 39 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #39
  • Percent of drivers in Florida with a speeding ticket: 7.57%
  • Drivers in FL with a speeding ticket in their driving history paid on average 21.96% more than drivers with a clean record

DUI/DWIs Florida

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Florida drivers rank 51 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #51
  • Percent of drivers in Florida with a DUI: 0.89%
  • Drivers in FL with a DUI in their driving history paid on average 16.86% more than drivers with a clean record

Most Popular Vehicle Florida

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Florida is the Toyota Corolla.

Rude Florida

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Florida drivers rank 15 in rude driving infractions.

  • Rank of States: #15
  • Percent of drivers in Florida with a reckless driving violation: 2.17%
  • Drivers in FL with a reckless driving violation in their driving history paid on average 18.43% more than drivers with a clean record.

Safest Drivers Florida

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Florida drivers rank 10 in clean driving records across all fifty states.

  • Rank of States: #10
  • Percent of drivers in Florida with clean record: 83.27%

Street Racing Florida

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Florida drivers rank 38 in street racing violations per driver.

  • Rank of States: #38
  • Percent of drivers in Florida with a street racing violation: --%

Failure to Yield the Right of Way Florida

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Florida drivers rank 21 in failure to yield violations per driver across all fifty states.

  • Rank of States: #21
  • Percent of drivers in Florida with a failure to yield violation: 0.4%
  • Drivers in FL with a failure to yield violation in their driving history paid on average 20.78% more than drivers with a clean record

Reckless Drivers Florida

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. Among all fifty states, Florida drivers rank 22 in the number of reckless driving offenses per driver.

  • Rank of States: #22
  • Percent of drivers in Florida with a reckless driving offense: 0.13%

Hybrid/Electric Vehicle Ownership Florida

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Florida drivers rank 15 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #15
  • Percent of drivers in Florida with a hybrid/electric vehicle: 1.15%

Greenest Cities in Florida

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

When it comes to environmental issues in Florida, there's one growing crisis at the top of everyone's mind: the toxic algae bloom that's taking the state's southwestern coastlines by storm. In terms of automobile energy-efficiency regulation, Florida is one state that does not require smog and emissions testing for motor vehicles. The state of Florida offers many green driver incentives, including federal tax credit, rebates, and discounts through some car insurance carriers.

Greenes Cities

Miami Beach

Greenes Cities
% of Hybrids / Electrics
5%
Most Patriotic City

Most Patriotic City

The Villages

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Inverness won Insurify's Most Patriotic Cities Award for the state of Florida.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Florida is vital for all car insurance shoppers hitting the road in The Sunshine State.

road with cars illustration

Road Rankings

4%Rural Roads in
Poor Condition

#24
Ranked

3%Structurally Deficient
Rural Bridges

#16
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#8
Ranked


FAQs - Florida Car Insurance

Is car insurance mandatory in Florida?

Yes. Drivers in Florida must have proof of auto insurance that meets the state's minimum requirements to drive in the state legally. If caught driving an uninsured vehicle, Floridians risk civil or criminal charges and fines ranging from $150 to $500. Drivers are required to keep proof of insurance on their person any time they are operating a vehicle on Florida roadways. Prior to registering a vehicle in the state of Florida, residents must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) auto insurance. PIP will cover 80 percent of all medical expenses up to $10,000 resulting from a car accident, regardless of who caused the accident. PDL will provide coverage for damages to another party's damaged property.

Will my credit score affect my car insurance rate?

Yes. Unfortunately, it can be challenging to find cheap car insurance in Florida if you have a poor credit score. Florida car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder, meaning they can hold your poor credit score against you. Insurers have found that drivers with poor credit histories are more likely to file auto insurance claims, thus increasing the insurance premiums of bad credit drivers to account for the increased risk. Depending on where you live in Florida, car insurance premiums fluctuate based on many factors, not just credit score.

Which insurance company offers the cheapest car insurance in Florida?

The best way to get the cheapest car insurance in Florida and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.