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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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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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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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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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. | $70/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. | $88/mo |
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.
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.
Alan
April 14, 2025
Service Down, Rates Up!
Jay
April 14, 2025
Good
William
April 14, 2025
Consider Alternatives to State Farm for Better Rates
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.
Lowest average rates in Florida
Above-average J.D. Power customer satisfaction score
Significant savings through the Drive Safe & Save telematics program
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 /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. | $72/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. | $91/mo |
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.
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.
Mel
April 14, 2025
Ratings
Johnny
April 14, 2025
No Communication
James
April 14, 2025
Unsatisfactory experience with GEICO
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.
Several teen-friendly discounts
Affordable rates
Above-average J.D. Power customer satisfaction score
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. | $121/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. | $154/mo |
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.
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.
Samuel
April 14, 2025
Wonderful
Christopher
April 14, 2025
Good Luck
Erika
April 14, 2025
Bad Business Practices
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.
AM Best financial strength rating of A+ (Superior)
Above-average J.D. Power customer satisfaction score
Drivewise telematics program can generate significant savings
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. | $182/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. | $274/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Pedro
April 14, 2025
Very Good
Gary
April 14, 2025
Progressive
Patricia
April 14, 2025
Not Progressive
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.
Wide selection of available coverages
Optional accident forgiveness coverage
Snapshot telematics program can generate significant savings
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. | $32/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. | $68/mo |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Joe
April 13, 2025
Survey
Wilmer
April 12, 2025
Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!
Charles
April 10, 2025
Unexpected Rate Increase After First Year
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.
Highest J.D. Power customer satisfaction rating
Below-average volume of customer complaints
AM Best financial strength rating of A++ (Superior)
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.
Average cost of car insurance in Florida
Florida drivers pay an average of $150 per month for liability car insurance and $227 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 $150 per month for liability insurance and $227 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]
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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."
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.