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.

Companies Quotes
Progressive

Progressive

$65 /mo
GEICO

GEICO

$68 /mo
State Farm

State Farm

$128 /mo
Mercury

Mercury

$149 /mo
Direct General

Direct General

$160 /mo

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.

Companies Insurify
Composite Score
Quotes

American Family

92
$487 /mo

GEICO

89
$68 /mo

State Farm

84
$128 /mo

Liberty Mutual

84
$165 /mo

Travelers

83
$161 /mo

Progressive

82
$65 /mo

Mercury

82
$149 /mo

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.

Florida Driving Facts

Florida's minimum liability car insurance limits are as follows:

  • $10,000 no-fault or personal injury protection insurance
  • $15,000 property damage liability insurance

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

dui
States with Most
DUIs Rank
#50
moving violations
States with Most
Moving Violations Rank
#43
popular car
State's
Most Popular Car
Toyota Camry
speeding violations
States with Most
Speeding Tickets Rank
#47
suspended licenses
States with Most
Suspended Licenses Rank
#34

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.

green city award

Lady Lake


most patriotic
% of Hybrids/Electrics 3%

Most Patriotic City

Inverness

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 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