3+ years experience in insurance and personal finance editing
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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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.
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.
$54/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 9,253 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,087)
Phillip
December 22, 2024
Verified Review
Normal
Overall, it was good but the prices are getting higher.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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
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.
$54/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 10,473 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,760)
Libby
December 22, 2024
Verified Review
An Insurance Company That Doesn't Care About Their Policy Holders
They don't contact you, they just increase the policy price. I have a 2022 Ford that I bought 18 months ago. It has 12,256 miles on it. They increased my insurance from $215 to $275 a month. I do have a speeding ticket and I backed into someone causing a quarter-sized dent on the fender. I'm 72 years old. My sister has two cars and her insurance isn't as high. When you're on a fixed income and also have to pay for a lot of medications, and they keep increasing the insurance, soon I won't be able to drive because I won't be able to afford the insurance.
Barbara
December 21, 2024
Verified Review
Poor Service and Refund Issue
The service was poor. I cancelled my policy and switched to another plan, but I'm still waiting for my $1200 refund. I'm not satisfied with their handling of this issue.
Rose
December 21, 2024
Verified Review
It's too expensive
I love GEICO, however, their prices are not compatible with my income.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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
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.
$61/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.
$133/mo
4.0
Best choiceBased on 5,752 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
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 initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,134)
Sergii
December 21, 2024
Verified Review
Don't Buy It!
Worst experience ever! It's a total rip-off! Everything is overpriced and the agents are incompetent.
Kenneth
December 21, 2024
Verified Review
Allstate is OK
Overall, it's satisfactory, although it's difficult to get them to fix basic information changes.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
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)
Popular telematics program
Above-average J.D. Power customer satisfaction score
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.
$97/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.
$152/mo
How drivers feel about Progressive
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
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
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (5,901)
Maureen
December 22, 2024
Verified Review
Fair
Too expensive.
Eric
December 21, 2024
Verified Review
Over 17 years as a customer. Not pleased with the rate hike.
The rates are too high.
Gary
December 21, 2024
Verified Review
Rating the Value of Progressive
Unfortunately, no one has been able to beat the prices. However, even after 15 years with no claims, prices continue to rise above the value of the vehicles!
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82
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
Accident forgiveness available
Popular telematics program
Cons
Below-average J.D. Power customer satisfaction 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.
$34/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.
$72/mo
4.0
Best choiceBased on 147 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
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
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (90)
Jim
November 24, 2024
Verified Review
Auto
Overall, it's good, though their flexibility on pricing is less than desired.
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
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
Mixed reviews for mobile app
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 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, Better Business Bureau, 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 score
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 tocompare 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 $68/mo.
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Average cost of car insurance in Florida
Florida drivers pay an average of $156 per month for liability car insurance and $245 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 $156 per month for liability insurance and $245 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]
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.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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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