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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Written byA.M. Steinbach
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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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Edited byKatie Powers
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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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Reviewed byMark Friedlander
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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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Table of contents
Table of contents
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 | 4.2 |
|---|---|
| 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. | $55/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. | $119/mo |
4.2
Best choiceBased on 9,550 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 (5,258)
Cheryl
February 19, 2025
Verified Review
Average
Way too expensive.
Lisa
February 18, 2025
Verified Review
My premium increased by $20 monthly without any explanation. I have been a customer for more than 20 years and still have difficulty getting my questions answered.
My premium increased by $20 monthly without any explanation. I have been a customer for more than 20 years and still have difficulty getting my questions answered.
Mikla
February 18, 2025
Verified Review
Mikla & Sam's Quote
I really liked them. The customer service was great, and the price started off well, but it has now increased exponentially.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
Gap insurance not readily available, unless customer originates a loan through State Farm Bank
Expensive for drivers with bad credit
Must purchase policy through a local 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. | 9.0 /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. | $55/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. | $118/mo |
4.0
Best choiceBased on 10,691 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 (5,882)
Mitchell
February 19, 2025
Verified Review
Geico Review
I have been with Geico for many years and am disappointed with their prices.
Godfrey
February 19, 2025
Verified Review
Very Expensive
Very expensive.
Brandon
February 18, 2025
Verified Review
Poor Theft Coverage
What's the point of having theft coverage if you still have to pay for all the damages caused and any towing fees or impound charges?
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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 agent network
Allstate: Best for full coverage
| 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. | 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. | $62/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. | $132/mo |
4.0
Best choiceBased on 5,905 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 (3,221)
Ronald
February 19, 2025
Verified Review
Significant increase in house insurance, approximately $400.00
The service is great, but the price for auto insurance is a little high. The house insurance is very high, so I'm looking around as I'm on a fixed income.
Tracey
February 18, 2025
Verified Review
Unexpected Rate Increase
They will offer you a good rate for six months, then unexpectedly increase your rate significantly for no apparent reason.
Howard
February 18, 2025
Verified Review
Being an Allstate Client
We have been Allstate clients for 42 years. I think that says it all.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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 other insurers 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. | 819 |
|---|---|
| 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. | 8.4 /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. | $101/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. | $148/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 (6,051)
Dean
February 18, 2025
Verified Review
Exorbitantly High Premiums
All these insurance companies claim to offer lower rates by hundreds, but in reality, they charge twice as much. They advertise that you can get liability and full coverage for as little as $38.00 per month, which is misleading. They even claim that a customer who was paying $147.00 now pays $38.00 per month for the same insurance. It's exhausting dealing with agents who are more interested in their commission than providing a fair service. I wonder if it's possible to buy insurance directly from a company, bypassing the agents.
Gil
February 18, 2025
Verified Review
Seeking Better Rates for My Two Vehicles
I don't have anything negative to say as I haven't filed a claim or been in an accident to see how the process works. I've been with them for 6 years and prior to that, I was with State Farm, again with no claims. That's why I'm shopping around for better prices. My rates haven't dropped even though I continue to drive safely with no accidents, claims, or DUIs.
Cynthia
February 18, 2025
Verified Review
Bad
Bad. I wasn't informed about how the snapshot worked. I hadn't been driving because I had just started taking insulin while pregnant and was experiencing dizzy spells. I was traveling with a friend (not in my car). Apparently, if you aren't driving, you need to inform Progressive. They mentioned it would be on the app, but there wasn't even an option to state that I wasn't driving. This led to an increase in my insurance by approximately $300 a month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82A.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 satisfaction score
Higher rates than some competitors
Below-average claims satisfaction from J.D. Power
Auto-Owners: Best for customer service
| 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. | 8.5 /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. | $33/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. | $71/mo |
4.0
Best choiceBased on 155 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 (96)
Stephen
February 19, 2025
Verified Review
Trying to Lower My Insurance Cost
I find the representatives to be fair and friendly. They answer all my questions. I'm just trying to lower my bills and get a better price on insurance.
Mary
February 17, 2025
Verified Review
Online Comparisons Name Progressive as Having the Lowest Rates
I initially thought my rates were high due to increases in premiums this year. However, after requesting online comparisons, I found that my current insurance company, Progressive, offered the lowest rates.
Tammy
January 13, 2025
Verified Review
Affordable Insurance in Michigan
The insurance is affordable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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
Must call agent to file claim
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.
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.
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.
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.
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.
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.
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 $70/mo.
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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Average cost of car insurance in Florida
Florida drivers pay an average of $153 per month for liability car insurance and $237 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 history, 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 $153 per month for liability insurance and $237 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]
Sources
- National Association of Insurance Commissioners. "2023 Property and Casualty Market Share."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Florida Insurance Requirements. "Florida Highway Safety and Motor Vehicles."
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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.
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
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.