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Cheap Auto Insurance in Florida 2022

Drivers in Florida pay rates starting at $127/mo. for car insurance.

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Katie Powers
Written by
Katie Powers
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Written by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
Tanveen Vohra
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Tanveen Vohra
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Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Shawn Powers
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Shawn Powers
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Reviewed by
Shawn Powers
VP of Insurance Sales at Insurify
As a licensed insurance agent with over 20 years of experience, Shawn Powers is the VP of Sales and Operations at Insurify. With his expertise, Shawn strives to help customers make informed and educated decisions in regard to their insurance policies. Previously, Shawn spent 15 years with Answer Financial (an Allstate company) as the VP of Sales and Operations.

Updated November 17, 2022

Floridians live in the seventh most-expensive state for car insurance in the country, with average premiums at $323 per month. For comparison, the national average rate for car insurance is $100 cheaper, at $233 per month.

The Sunshine State’s exposure to hurricanes and flooding contributes to the higher cost of insurance in Florida. But comparing quotes from multiple insurers to find cheap car insurance can help Florida motorists hold down car insurance costs.

Quick Facts

  • The average cost of car insurance in Florida is $323/mo.

  • State Farm is the cheapest provider in Florida with average rates of $127/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Florida: State Farm

1
State Farm logo

State Farm

Best Cheap Car Insurance in Florida
Average Monthly Cost:
$127
Insurify Composite Score:
88

Cheap car insurance coverage is all about finding the right car insurance company for you. Here’s our list of the top insurance companies selling cheap car insurance to Florida drivers. Individual rates will vary based on factors like driving history and coverage level, but the top providers with the cheapest rates include State Farm, GEICO, and USAA.

Car Insurance CompanyInsurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.Average Monthly Quote
State Farm88$127
GEICO88$137
USAA96$174
American Family89$220
Allstate85$229
Erie85$166
Travelers80$230
ProgressiveN/A$250
National General58$251
Safeco86$266
Direct AutoN/A$278
AssuranceAmericaN/A$301
ProntoN/A$317
MercuryN/A$334
Farmers85$347
Liberty Mutual82$372
Midvale Home & AutoN/A$383
InfinityN/A$434
Bristol WestN/A$472
DairylandN/A$536
The GeneralN/A$592
AmicaN/A$689
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

What to know about minimum car insurance requirements in Florida

If you operate a car or park it on a Florida road, you’ll have to insure the vehicle. You’ll need to carry proof of insurance in your car at all times and have it 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 in Florida[1] are:

  • $10,000 per accident for property damage liability: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. Florida is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $10,000 per accident for PIP: Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Florida DMV information

The state’s DMV office is called the Florida Department of Highway Safety and Motor Vehicles[2] (FLHSMV). In person and online, Florida drivers can apply for or renew a driver’s license, pay a speeding ticket, register a vehicle or title, and access safety resources. You can find DMV locations in all of Florida’s 67 counties.

Public transportation in Florida

Buses through the Florida Public Transportation Association[3] help Floridians travel affordably in most cities and counties. Trolleys are also a widespread transportation option, and more cities are following in Miami’s footsteps and offering bikesharing programs for people to travel from place to place at a low cost. Ridesharing services, like Uber and Lyft, are also available.

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Tips for getting cheap car insurance in Florida

Shopping around for car insurance from a number of providers helps you understand your coverage options and find savings. With an online quote-comparison tool, you can compare quotes from regional and national providers before making any purchasing decisions. The best insurance provider for you depends on your insurance needs and driving history.

Choosing a higher deductible or lower coverage limits can also reduce your monthly and annual premiums. Just keep in mind, though, that lower coverage amounts and higher deductibles may leave you on the hook for more money in case of an accident that your insurance doesn’t cover.

Liability-only vs. full-coverage car insurance in Florida

If you live in Florida, your cheapest car insurance option will likely be liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Keep in mind, liability-only insurance doesn’t help you repair or replace your own car if you’re in an at-fault accident.

Each state sets its own minimums for how much liability insurance it requires drivers to carry. If you have a low-value vehicle, can afford to make repairs out of your own pocket, and getting the cheapest policy available is your top priority, liability-only insurance may make sense for you.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Florida by policy type.

Car Insurance CompanyAverage Monthly Quote: LiabilityAverage Monthly Quote: Full Coverage
Allstate$192$229
American Family$185$220
GEICO$115$137
State Farm$106$127
USAA$146$174
Amica$579$689
AssuranceAmerica$277$301
Bristol West$392$472
Dairyland$349$536
Direct Auto$284$278
Erie$140$166
Farmers$292$347
Infinity$433$434
Liberty Mutual$314$372
Mercury$340$334
Midvale Home & Auto$327$383
National General$217$251
Progressive$210$250
Pronto$167$317
Safeco$227$251
The General$415$415
Travelers$206$230
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your driving history affects Florida car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Florida. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Florida based on driving and accident history.

See More: High-Risk Car Insurance Florida

Car Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
Allstate$210$268$273$322
American Family$202$258$263$310
Farmers$152$195$198$234
State Farm$125$160$163$193
USAA$116$148$151$178
Amica$631N/AN/AN/A
AssuranceAmerica$276$376N/A$346
Bristol West$450$540$469$545
Dairyland$490$690$537$616
Direct Auto$255$384$334$336
Erie$503$643$654$773
GEICO$318$407$414$489
Infinity$411$489$349$489
Liberty Mutual$374$380$270$367
Mercury$306$450$407$403
Midvale Home & Auto$351$521$380$480
National General$236$297$238$292
Progressive$229$293$298$352
Pronto$280$521N/A$261
Safeco$259$297$240$274
The General$564N/A$610$649
Travelers$226$231$215$262
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Insurance Florida

SR-22 insurance in Florida

The state of Florida has two special insurance certificates that you may need to reinstate your driver’s license if it gets revoked for a serious violation. An SR-22 — or FR-44 for DUIs and drug-related offenses — certificate will definitely hike your car insurance rates. That said, the companies below can help SR-22 and FR-44 drivers find affordable car insurance.

How credit scores affect Florida car insurance quotes

In Florida, a person’s credit score is something car insurance companies consider when setting premiums. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

Credit TierAverage Monthly Quote
Excellent$267
Good$316
Average$347
Poor$538
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Bad Credit Car Insurance Florida

How your city affects Florida car insurance quotes

Florida is one of the most expensive states for purchasing car insurance, but rates will vary depending on what city you live in. Factors like population, crime rates, and climate influence these price fluctuations. Pricier cities in Florida include Fort Lauderdale, Miami, Orlando, and Tampa. Find average rates for the most populated Florida cities in the chart below.

CityAverage Monthly Quote
Bradenton$293
Edgewater$285
Fort Lauderdale$420
Fort Myers$302
Hollywood$411
Jacksonville$359
Kissimmee$369
Lakeland$330
Miami$527
Naples$317
Ocala$304
Orlando$408
Palm Beach$404
Pensacola$304
Pompano Beach$393
Saint Petersburg$348
Tallahassee$276
Tampa$494
West Palm Beach$482
Wildwood$301
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your age affects your Florida car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Age GroupAverage Monthly Rate
Teenagers$618
Under 25$425
20s$319
30s$317
40s$295
50s$262
60s$225
70s$245
80+$262
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for younger drivers

Since multiple other factors can affect the cost of car insurance in Florida, younger drivers may pay significantly more for car insurance — especially if they have some incidents on their driving records.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
National General$303$323$327$635
Progressive$283$310$368$567
Travelers$253$283$281$563
AssuranceAmerica$373$383$414$746
Bristol West$514$588$621$573
Dairyland$479$669$739N/A
Direct Auto$393$383$434$722
Infinity$618$582$591N/A
Liberty Mutual$409$466$430N/A
Mercury$470$455$487N/A
Midvale Home & Auto$463$507$551N/A
ProntoN/A$409N/AN/A
Safeco$316$334$333$679
The General$514$696$769N/A
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for middle-aged drivers

Generally, drivers see their car insurance premiums fall after age 25. Still, certain factors like whether they choose full coverage or a liability-only policy, can push their auto insurance costs up or down.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
National General$161$208$248$388
Progressive$180$242N/A$450
Travelers$216$232$227$466
AssuranceAmerica$234$277$364$503
Bristol West$337$432$475N/A
Dairyland$288$472$573N/A
Direct Auto$225$238$281$446
Infinity$340$369$433$698
Liberty Mutual$286$354$343$712
Mercury$285$297$362$549
Midvale Home & Auto$287$336$389$629
ProntoN/A$217N/AN/A
Safeco$210$257$267$511
The General$346$533$596N/A
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for senior drivers

Drivers in their 60s and older generally see much lower car insurance rates than younger motorists. Still, as age can decrease motor skills and vision, older drivers do often see their rates edge up a bit.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Liberty Mutual$218$268$280$265
Progressive$134$171$182$167
Travelers$167$175$188$171
AssuranceAmerica$194$219$276$206
Bristol West$283$370$425$355
Dairyland$240$374$480$348
Direct Auto$201$195$245$183
Infinity$245$266$307$256
Mercury$207$211$297$190
Midvale Home & Auto$274$300$374$277
National General$126$172$214$158
Safeco$193$212$248$204
The General$374$560$683$532
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Florida car insurance FAQs

  • The top auto insurance providers in Florida with the lowest rates are State Farm, GEICO, and USAA, as well as smaller companies like Safeco and Direct Auto. For full-coverage insurance, drivers in Florida pay monthly rates of $127 with State Farm, $137 with GEICO, and $174 with USAA. Drivers pay $266 with Safeco and $278 with Direct Auto.

    State Farm has the cheapest average rates for both the state’s minimum required liability insurance and a full-coverage policy. By driver history, the cheapest average rates for those with clean records and those with a recorded DUI, at-fault accident, or speeding ticket are from USAA.

  • Only 15% of Florida drivers have a driving incident on their record, but Floridians pay some of the highest average auto rates in the country. Auto insurance providers likely view the weather and climate[4] in Florida as risk factors that increase rates. Heavy rainstorms, hurricanes, tropical storms, and flooding increase the likelihood of vehicle incidents and damage.

    By driver age, young drivers pay the highest auto insurance rates in Florida. Teen drivers spend an average of $618 per month, and drivers under 25 pay an average of $425 per month. Senior drivers, on the other hand, are given the lowest rates from auto insurance providers in the area, with rates below $262 per month once they enter their 50s.

  • Drivers in the Sunshine State pay an average auto insurance rate of $323 per month, exceeding the national average rate of $233 per month and making it the seventh most-expensive state for purchasing car insurance. Policyholders in Florida’s border states pay lower monthly average rates of $185 in Alabama and $282 in Georgia, by comparison.

    Despite Florida’s high monthly average, affordable options exist. For example, State Farm offers Florida drivers coverage for $127 a month. Based on our data, rates in Florida have actually decreased by around 9% between July 2021 and July 2022. That downward trend is unusual in industry conditions that have been leading to increased rates across multiple insurers.

  • As determined by Insurify Composite Scores, which consider customer and claims satisfaction and industry and financial rankings, State Farm, USAA, and American Family are the best car insurance companies in the state. USAA policyholders in Florida pay $174 per month for coverage, and the company earned an A++ rating from A.M. Best.

    State Farm presents drivers in the state with the most affordable quote of just $127 per month, while American Family policyholders pay $220 per month. The best option for you depends on the coverage you need, your driving history, and more.

  • Yes, you need personal injury protection (PIP) coverage in the state of Florida, specifically $10,000 per accident. If an accident occurs, PIP coverage covers the costs of medical payments. Additional non-medical benefits, including lost wage compensation, household expenses, and funeral costs, may apply in some cases depending on your chosen plan.

    Florida is a no-fault state, which means both individuals involved in an auto accident must pay for bodily injury expenses through their own insurance providers, regardless of who caused the accident.

  • Yes, car insurance is mandatory in the state of Florida. State minimum coverage requirements include $10,000 per accident for property damage and $10,000 per accident for personal injury protection (PIP) coverage.[5] Most states with car insurance coverage requirements also mandate the purchase of bodily injury liability, but Florida doesn’t.

    Florida is a no-fault state, which means both parties’ insurance providers will pay for medical expenses, regardless of who caused the crash. Property damage liability covers costs needed to repair the property of others involved in the accident, as well as legal costs related to a lawsuit. PIP coverage applies to medical payments related to the accident.

  • Like in most states, Florida car insurance follows the vehicle rather than the driver. If you allow someone to borrow your car and an accident occurs, your insurance will still apply to the vehicle. As long as the person driving the car has a driver’s license, no major issues with coverage are likely. But drivers without a license will face legal or financial consequences.

    Though car insurance primarily follows the vehicle of the insured, any applicable insurance from the person who borrowed your car may also come into play to cover costs related to the auto accident.

  • Full-coverage insurance includes liability, collision, and comprehensive coverage in a single robust policy. Liability insurance includes coverage for bodily injury and property damage you cause others in an at-fault accident. Collision coverage takes it a step further and provides you and your vehicle with protection in a collision, whether or not you caused it.

    Comprehensive coverage takes care of expenses related to theft, vandalism, and weather-related damages. Policy add-ons for a full-coverage policy differ by auto insurer and provide opportunities for even more coverage. Drivers with inexpensive vehicles may find that choosing a cheaper policy type makes more sense than full-coverage insurance.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Sources

  1. Florida Highway Safety and Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed November 17, 2022
  2. Florida Department of Highway Safety and Motor Vehicles. "MyDMV Portal." Accessed November 17, 2022
  3. Florida Public Transportation Association. "Florida Public Transportation Association." Accessed November 17, 2022
  4. United States Environmental Protection Agency. "What Climate Change Means for Florida." Accessed November 17, 2022
  5. Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed November 17, 2022
Katie Powers
Written by
Katie Powers
Linkedin

Insurance Writer

Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

Learn More
Tanveen Vohra
Edited by
Tanveen Vohra
Linkedin

Editorial Manager

Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Shawn Powers
Reviewed by
Shawn Powers
Linkedin

VP of Insurance Sales at Insurify

Headshot of licensed insurance agent Shawn Powers.
Reviewed by
Shawn Powers
VP of Insurance Sales at Insurify
As a licensed insurance agent with over 20 years of experience, Shawn Powers is the VP of Sales and Operations at Insurify. With his expertise, Shawn strives to help customers make informed and educated decisions in regard to their insurance policies. Previously, Shawn spent 15 years with Answer Financial (an Allstate company) as the VP of Sales and Operations.