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Best Car Insurance in Florida (2025)

State Farm, GEICO, and Auto-Owners offer some of the best car insurance coverage in Florida.

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A.M. Steinbach
Written byA.M. Steinbach
A.M. Steinbach
A.M. SteinbachInsurance Writer
  • Full-time writer for 5+ years

  • Two-time Emmy Award nominee

A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.

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Katie Powers
Edited byKatie Powers
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Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • 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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The best car insurance company for you depends on a variety of factors, including your age, the vehicle you drive, and your basic needs as a driver. These variables can make finding great car insurance challenging.

You should always compare quotes and coverage options from multiple insurers to find the best policy for your specific needs. Insurify analyzed 50 car insurance companies to highlight some of the best car insurance options in Florida to help you start your search.

Here’s what you need to know.

Best car insurance companies in Florida

Several quality car insurance companies operate in Florida. Below, you can learn more about five of the best insurance companies in the state, based on price, discounts, customer ratings, coverage options, and more.

State Farm: Best overall

User Reviews
4.1
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.
9.3 /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.
$109/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.
$116/mo
4.1
Best choiceBased on 12,077 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,341)
Jared
Verified Review
Service
Reviewed in Louisiana on October 2025
Excellent service.
Barbara
Verified Review
Nice Agents
Reviewed in Pennsylvania on October 2025
They have always been very nice to me.
Steve
Verified Review
Where's the Discount?
Reviewed in Georgia on October 2025
I've been a customer for forty years with no accident claims and I'm a low mileage driver. Yet, my rates are always going up without a good reason.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is the largest car insurance company in the country by market share.[1] Despite its massive footprint, State Farm maintains a high customer service standard, earning the second-highest J.D. Power customer satisfaction rating in Florida.

State Farm’s combination of high customer satisfaction, competitive rates, and extensive discounts makes it a great choice for a wide range of Florida drivers.

Pros
  • Lowest average rates in Florida

  • Above-average J.D. Power customer satisfaction score

  • Significant savings through the Drive Safe & Save telematics program

Cons
  • Only offers Payoff Protector (gap) coverage to policyholders who originate an auto loan with State Farm Bank

  • Expensive for drivers with bad credit

  • Must obtain quotes and purchase policies through a local State Farm exclusive agent

GEICO: Best for young drivers

User Reviews
4.0
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.
9.2 /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.
$163/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.
$174/mo
4.0
Best choiceBased on 12,741 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,704)
Darlene
Verified Review
Good
Reviewed in California on October 2025
Service is good, but the cost is higher than is fair.
Lawrence
Verified Review
Customer service on hold
Reviewed in Florida on October 2025
They keep increasing the rates. I paid my insurance, and 5 days later, I received a bill for $56.00. I didn't see it in time, and they canceled my insurance. I spent 3 phone calls and about 4½ hours on the phone and got nowhere. One call was 2 hours and 20 minutes long. So I ventured out and found insurance for half the price I've been paying for 3 years. Thank you, Geico.
Kim
Verified Review
I am not happy with the increase in payments over time with Geico
Reviewed in Georgia on October 2025
My payments increase over time because I have to pay for general inflation in the economy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Young drivers tend to pay the highest car insurance rates, which is why Florida teens might want to consider GEICO. From good student discounts to a popular telematics program, teens who get good grades and drive safely can save on their auto insurance policies.

Unfortunately, GEICO doesn’t have every coverage option you might be looking for. Young drivers looking for rideshare insurance or gap insurance will have to look elsewhere.

Pros
  • Several teen-friendly discounts

  • Affordable rates

  • Above-average J.D. Power customer satisfaction score

Cons
  • Gap insurance not available

  • Rideshare insurance not offered

  • Limited local agent network

Allstate: Best for full coverage

User Reviews
3.9
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.
$190/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.
$202/mo
3.9
A solid optionBased on 7,378 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,823)
Tiffany
Verified Review
EXCELLENT!!!
Reviewed in North Carolina on October 2025
Excellent!!! Excellent customer service!!! Excellent coverage for the $$$
Michele
Verified Review
Cost too high
Reviewed in New Jersey on October 2025
Allstate is too expensive for seniors.
Pete
Verified Review
Fair
Reviewed in Texas on October 2025
They keep raising your insurance every time it's time to renew, for no reason.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

Full-coverage car insurance covers both your vehicle repairs and medical expenses after an at-fault accident. While you may have to pay a bit more for a full-coverage policy with Allstate, the company’s range of coverage options make it a popular choice. From rideshare insurance to roadside assistance to uninsured motorist coverage, Allstate specializes in robust coverage.

Pros
  • AM Best financial strength rating of A+ (Superior)

  • Above-average J.D. Power customer satisfaction score

  • Drivewise telematics program can generate significant savings

Cons
  • Some competitors have higher financial strength ratings

  • Other options may be cheaper

  • Mixed customer reviews on Trustpilot

Progressive: Best for discounts

JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
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.
8.7 /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.
$152/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.
$200/mo
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (7,306)
Christian
Verified Review
Always choose what's best for you!
Reviewed in Arizona on October 2025
Always compare prices and flexibility to choose what you want, not what they want.
Chastity
Verified Review
They're as easy as driving
Reviewed in Oklahoma on October 2025
It's awesome when you run low and need to move your payment date further out. Plus, the service is good.
Steven
Verified Review
They have been good to me, but I have been with them for almost 3 years. I think my rate should go down.
Reviewed in Kentucky on October 2025
They have been good to me, but I have been with them for almost 3 years. I think my rate should go down.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Progressive is one of the best car insurance companies in the Sunshine State thanks to a wide range of driver-friendly discounts, including home and auto bundling, teen driver, safe driver, and multi-car discounts. The combination of bundling discounts, student discounts, and multi-car discounts makes it a particularly good choice for families.

Pros
  • Wide selection of available coverages

  • Optional accident forgiveness coverage

  • Snapshot telematics program can generate significant savings

Cons
  • Below-average J.D. Power customer and claims satisfaction scores

  • Higher rates than some competitors

  • Progressive Snapshot can increase rates if it detects poor driving habits

Auto-Owners: Best for customer service

User Reviews
4.3
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.
8.2 /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.
$45/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.
$77/mo
4.3
Best choiceBased on 241 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (139)
Larry
Verified Review
One of the best insurers I've had, but getting too expensive to keep. Need to shop around.
Reviewed in Wisconsin on October 2025
Excellent customer service from start to finish when I had a fender bender.
Raymond
Verified Review
Good
Reviewed in Texas on October 2025
Insurance could be a little bit cheaper.
Lance
Verified Review
Average
Reviewed in Utah on October 2025
They have nearly doubled my premium in the last couple of years for no reason.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

When it comes to customer satisfaction, Auto-Owners takes the top spot in J.D. Power’s rankings for Florida. Auto-Owners also has a below-average number of customer complaints on the National Association of Insurance Commissioners index.

Customers looking for a seamless digital option should note that the Auto-Owners mobile app has poor reviews. Customers complain about clunky payment processing and issues logging in.

Pros
  • Highest J.D. Power customer satisfaction rating

  • Below-average volume of customer complaints

  • AM Best financial strength rating of A++ (Superior)

Cons
  • Mobile app rated poorly for functionality

  • Other options may be cheaper 

  • All claims must be filed through independent agents

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Florida to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance in Florida

Finding the best car insurance can be difficult. The following tips can help you choose a car insurance policy in Florida that meets your needs and budget.

  • illustration card https://a.storyblok.com/f/162273/150x150/95fa30ac35/insurify-icons-auto-orange-96x96_005-insurance.svg

    Understand how much coverage you need

    Not all drivers need robust full-coverage car insurance. For instance, if you’re driving an inexpensive used car, you might not plan on repairing your car after a car accident. If so, you may want to skip collision coverage and comprehensive coverage and stick to state-mandated liability insurance. Consider your vehicle value, driving habits, and driving record when determining how much coverage you need.

  • illustration card https://a.storyblok.com/f/162273/x/c1eabd846f/rating.svg

    Read online reviews and ratings

    Sites like Trustpilot and Reddit feature honest customer reviews. As always, take reviews with a grain of salt. If you’re looking for more professional insights, look at ratings on J.D. Power’s latest customer satisfaction surveys or financial strength ratings on AM Best.

  • illustration card https://a.storyblok.com/f/162273/150x150/75872bbafd/money-96x96-green_033-magnifying-glass.svg

    Explore available discounts

    Most car insurance companies offer plenty of discounts, though some are more generous than others. Consider your unique driver profile when looking into discounts. For instance, teen drivers might benefit from choosing a car insurance company that offers a good student or student away at school discount.

  • illustration card https://a.storyblok.com/f/162273/150x150/96ac3e2e7e/protection-and-security-96x96-blue_041-credit-card.svg

    Keep an eye on your credit record

    Drivers with good credit pay the cheapest rates for car insurance. Different companies weigh credit history differently, so drivers with a mixed credit history may need to look a bit harder for the best deal on car insurance premiums.

  • illustration card https://a.storyblok.com/f/162273/150x150/789c6c481b/car-and-driving-96x96-green_007-driver.svg

    Decide if you want to enroll in telematics

    Enrolling in a telematics program can help you save, particularly if you’re a safe driver or a low-mileage driver. With more and more insurers offering telematics, comparing the programs’ discount percentages, privacy standards, and customer reviews can help you choose the best telematics program for you.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Compare quotes from multiple insurers

    Rates can vary significantly between different companies. Online quote comparison tools make it easier than ever to compare online quotes from at least five car insurance companies side by side. This comparison makes it easy to find the cheapest car insurance in your area.

Find Cheap Car Insurance in Florida

Liability-only rates start at just $93/mo.

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
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ProgressiveLiberty MutualAllstate

Average cost of car insurance in Florida

Florida drivers pay an average of $155 per month for liability car insurance and $206 for full coverage. This is higher than the national average rate for car insurance. Florida has recently become one of the most expensive states for car insurance, with the state’s severe weather leading to more regular vehicle damage.

Car insurance rates vary from driver to driver based on a variety of factors, including age, ZIP code, marital status, driving record, credit history, choice of vehicle, and more.[2]

Best car insurance in Florida FAQs

The following information can help you learn more about Florida’s best car insurance companies and how to compare quotes.

  • How much is car insurance in Florida?

    On average, Florida drivers pay $155 per month for liability insurance and $206 for full-coverage insurance. How much you pay for auto insurance will depend on how much coverage you buy, your driving record, age, and more.

  • What are the best car insurance companies in Florida?

    State Farm, Auto-Owners, and GEICO are a few of the best car insurance companies in Florida based on a combination of prices, discounts, coverages available, and customer service ratings.

  • What is the required auto insurance coverage amount in Florida?

    The state of Florida requires drivers to purchase minimum coverage of at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability insurance. Failing to maintain car insurance throughout the duration of your registration period can lead to a suspension of your registration and license for up to three years.[3]

Related articles

Sources

  1. National Association of Insurance Commissioners. "2023 Property and Casualty Market Share."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  3. Florida Insurance Requirements. "Florida Highway Safety and Motor Vehicles."
A.M. Steinbach
A.M. SteinbachInsurance Writer

A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.

A.M. has been a contributor at Insurify since December 2022.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • 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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate