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Best Car Insurance Companies in Florida 2022: Quotes, Discounts

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1 Insurance
JJ Starr

By: JJ Starr

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka

Last Updated April 5, 2022

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Why you can trust Insurify

Insurify partners with the best car insurance companies in the U.S. to provide a tailored car insurance comparison experience. To date, we've delivered over 26 million quotes from both national and regional companies to over 4 million customers. Check out reviews from over 3,000 satisfied customers, how we make money, how we get our data, our editorial standards, and a list of our partners.

Quick Facts

  • Insurify’s best-rated insurance provider in Florida is Safeco.
  • AssuranceAmerica is the cheapest insurer on average in Florida, with average rates of $167 per month.
  • The best-rated car insurance provider might not be the best for every unique driver profile, so it’s important for drivers to compare quotes from multiple insurers before buying a policy.

Looking for cheap car insurance from the best company for Florida drivers? Look no further than this list. We reviewed nearly one million quotes, hundreds of reviews, and dozens of company websites to give you the best Florida auto insurance companies.

Keep in mind that Florida is a no-fault state and that minimum car insurance requirements are low compared to the national average. According to Florida law, these coverage requirements are:

  • Property damage liability insurance (PDL/PD): $10,000 per accident
  • Personal injury protection (PIP): $10,000 per accident

But you may need additional coverage and/or higher coverage limits to ensure you’re protected. This can include:

  • Collision coverage
  • Comprehensive coverage
  • Bodily injury liability
  • Underinsured and uninsured motorist coverage

Getting the best deal that the great state of Florida has to offer is easy with Insurify. Fill out one short and confidential form and get free car insurance quotes tailored to your exact needs. When the price is right, purchase your new policy quickly and easily. Try it now! Not ready to commit to a quote? Check out our car insurance estimator to see how much you should expect to pay.

See More: Best Car Insurance Companies

See More: Best and Worst Sites to Compare Car Insurance

Best Car Insurance Companies 2022

RankCompany NameAverage Cost Per Month in FloridaInsurify Composite Score
1Safeco$24986
2Liberty Mutual$29282
3Travelers$22380
4National General$21158
5AssuranceAmerica$167Not Rated
6Progressive$198Not Rated
7Direct Auto$216Not Rated
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

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

Top Car Insurance Companies: Find the Right One for You

Who has the best car insurance rates in Florida?

Assurance America, Progressive, and National General have some of the lowest monthly car insurance rates in Florida on average. Keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

As you review the pros and cons of each car insurance provider, please keep your unique needs in mind. The best company, in general, may not be the best fit for you. It’s important to ask yourself, “how much car insurance do I need” before you start your search, but Insurify can help you select your desired coverage options. So let this list guide you, but remember: it’s just a guide. Find out the average car insurance cost for top companies here.

See More: Full-Coverage Car Insurance

See More: Bundle Home & Auto Insurance

1
Safeco logo

Safeco

Average monthly cost:
$249
Insurify Composite Score:
86

Safeco is part of the Liberty Mutual family. Though it is one of the largest insurers on its own, it doesn’t receive the same attention as other big companies. So let’s make sure it’s on your radar when shopping for a policy.

Safeco offers competitive auto insurance rates, though not the lowest rates in town. However, Safeco receives far fewer complaints than average in the auto insurance field. It also offers a huge range of customized policies, discount options, and additional perks. But, even with these options, Safeco receives lower-than-average customer satisfaction ratings.

As an added note, Safeco is a great choice for people who work in the rideshare business - Uber and Lyft drivers for example.

Top discounts from Safeco include:

  • Safety features
  • Multi-car
  • Safe driver
  • Multi-policy
  • Homeowner
  • Low mileage
  • Theft-deterrent
  • RightTrack
  • Preventive driving course
  • Good student
  • Distant student
  • Pay in full

Here are the average quotes Safeco offers by driver profile:

Driver CategoryAverage Monthly Cost
Drivers Under 25$406
Drivers Over 60$216
Safe Drivers (No Prior Violations)$238
Drivers With a Prior Accident$334
Drivers With a Prior Speeding Ticket$286
Drivers With Average Credit$267
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Liberty Mutual offers a wide variety of insurance products. That means you’ll have a ton of car insurance options in addition to options for other insurance needs. On the other hand, Liberty Mutual has lower-than-average customer satisfaction and higher-than-average customer complaints.

Plus, Liberty Mutual is not known for its low premiums. In fact, based on the quoting history at Insurify, Liberty Mutual has some of the most expensive policies in Florida.

But for your money, you will receive a quality full-coverage policy. Plus, you can offset the higher costs by taking advantage of the many insurance discounts offered or by adjusting your deductible.

Top discounts from Liberty Mutual include:

  • Homeowner
  • Military
  • Early shopper
  • Good student
  • Student away at school
  • Advanced safety features
  • Alternative energy
  • Anti-theft
  • Accident-free
  • Violation-free
  • RightTrack
  • Multi-policy
  • Multi-car
  • Preferred payment
  • Pay in full
  • Online purchase
  • Paperless

Here are the average quotes Liberty Mutual offers by driver profile:

Driver CategoryAverage Monthly Cost
Drivers Under 25$409
Drivers Over 60$220
Safe Drivers (No Prior Violations)$292
Drivers With a Prior Accident$319
Drivers With a Prior Speeding Ticket$303
Drivers With Average Credit$312
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
3
Travelers logo

Travelers

Average monthly cost:
$223
Insurify Composite Score:
80

Travelers is one of the largest insurance providers in the nation. You’ll find a wide array of coverage options - both for your car and for many other property insurance needs. That means you can access multi-policy (bundling) discounts, which typically offer drivers the best rates. And Travelers also offers valuable products like gap coverage and umbrella insurance.

Travelers doesn’t have the highest average customer satisfaction rating. In fact, it’s lower than the industry average. Even so, Travelers receives fewer customer complaints than average.

Top discounts for Travelers policyholders include:

  • Multi-policy
  • Multi-car
  • Homeowners
  • Safe driver
  • Continuous insurance
  • Hybrid/electric car
  • New car
  • EFT, pay in full, good payer
  • Early quote
  • Good student
  • Student away at school
  • Driver training
  • Affinity membership
  • IntelliDrive® program

Here are the average quotes Travelers offers by driver profile:

Driver CategoryAverage Monthly Cost
Drivers Under 25$295
Drivers Over 60$179
Safe Drivers (No Prior Violations)$219
Drivers With a Prior Accident$255
Drivers With a Prior Speeding Ticket$270
Drivers With Average Credit$248
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

If you’re a high-risk driver, National General should make your list of prospective insurers. While the company has received more customer complaints than average, it does provide competitive rates for drivers who need SR-22 or FR-44 coverage. And if you’re an SR-22 or FR-44 driver, you can get discounts for completing safe driving and substance abuse courses.

Drivers with histories of dropped policies, failures to pay, poor credit scores, and car accidents can also benefit from discounts not offered at the average company. However, you won’t have access to a mobile app. And the company website is less than optimal.

Top discounts from National General include:

  • Paid in full
  • Multi-vehicle
  • Safe driver
  • RV and auto combined policy
  • Low mileage
  • Affinity membership
  • Multi-policy
  • Paperless
  • Auto-pay
  • Anti-theft

Here are the average quotes National General offers by driver profile:

Driver CategoryAverage Monthly Cost
Drivers Under 25$314
Drivers Over 60$149
Safe Drivers (No Prior Violations)$195
Drivers With a Prior Accident$284
Drivers With a Prior Speeding Ticket$270
Drivers With Average Credit$213
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Here’s another insurer tailor-made for high-risk drivers. AssuranceAmerica specializes in insuring people with a driving history that includes multiple infractions and DUIs. Additionally, from our research, we can see that among high-risk insurers, AssuranceAmerica offers the lowest insurance premiums on average.

You’ll find an easy-to-use website and 24/7 customer service care with this company. However, there have been a higher-than-average number of customer complaints. Even so, the Better Business Bureau gives AssuranceAmerica an A+ rating.

Top discounts from AssuranceAmerica include:

  • Homeowners
  • Continuous coverage
  • Military
  • Warehouse clubs
  • Multi-car
  • Defensive driver certification
  • Paid in full
  • Good student

Here are the average quotes AssuranceAmerica offers by driver profile:

Driver CategoryAverage Monthly Cost
Drivers Under 25$226
Drivers Over 60$126
Safe Drivers (No Prior Violations)$156
Drivers With a Prior Accident$222
Drivers With a Prior Speeding Ticket$195
Drivers With Average Credit$165
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
6
Progressive logo

Progressive

Average monthly cost:
$198
Insurify Composite Score:
N/A

Affordable car insurance from a large provider? With Progressive, it’s possible. With a big company come big investments in ease-of-use technology - for managing both policies and claims. And, for such a large company, Progressive has fewer complaints than the average.

Bundling home insurance with car insurance is a great way to save money with Progressive. Young drivers will also find great discounts. And, if you’re looking for a tech-forward company with tons of helpful tools and an easy-to-use app, Progressive has what you need.

Top discounts from Progressive include:

  • Multi-policy
  • Multi-car
  • Continuous insurance
  • Snapshot (safe driver)
  • Teen driver
  • Good student
  • Distant student
  • Homeowner
  • Online quote
  • Sign online
  • Paperless
  • Pay in full
  • Automatic payment

Here are the average quotes Progressive offers by driver profile:

Driver CategoryAverage Monthly Cost
Drivers Under 25$279
Drivers Over 60$143
Safe Drivers (No Prior Violations)$193
Drivers With a Prior Accident$222
Drivers With a Prior Speeding Ticket$252
Drivers With Average Credit$207
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
7
Direct Auto logo

Direct Auto

Average monthly cost:
$216
Insurify Composite Score:
N/A

Direct Auto offers affordable auto insurance policies for high-risk drivers in Florida. The company has more complaints than the average insurer - which is saying a lot because the insurance industry as a whole receives a high number of complaints.

However, if you’re a driver with a spotty driving record or you’ve been denied auto insurance coverage in the past, Direct Auto may be the right choice for you. You can find easy SR-22 coverage here, and you can access a wide range of discounts.

Top discounts from Direct Auto include:

  • Military discount
  • Safe driver
  • Good student
  • Senior citizen
  • Multi-car
  • Multi-product
  • Prior coverage
  • Homeowner
  • Renewal
  • Welcome back
  • Affinity membership

Here are the average quotes Direct Auto offers by driver profile:

Driver CategoryAverage Monthly Cost
Drivers Under 25$304
Drivers Over 60$162
Safe Drivers (No Prior Violations)$201
Drivers With a Prior Accident$296
Drivers With a Prior Speeding Ticket$262
Drivers With Average Credit$215
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Average Monthly Cost of Car Insurance in Florida

Whether you live in the Sunshine State or elsewhere, car insurance rates vary greatly depending on your location. Claim rates, crime rates, and climate can all impact what you pay. Below, we show the average car insurance quotes for the 10 largest cities in Florida. How do your insurance costs stack up?

CityMonthly Cost
Jacksonville$270
Miami$374
Tampa$377
Orlando$301
Hialeah$402
Port Saint Lucie$249
Tallahassee$238
Cape Coral$228
Fort Lauderdale$319
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Determine the Best Car Insurance Company for Yourself

In the end, it’s not about going with the best auto insurance company but the best company for you. You should consider your particular needs and preferences when choosing a company, such as:

  • Budget
  • Website and app preferences
  • Discounts you qualify for
  • Customer service needs

See More: Car Insurance for Bad Driving Records

There are many well-rated Florida car insurance companies, so be sure to choose what fits best over what’s ranked best. You can compare car insurance quotes on Insurify. Notable insurers that did not make this list but should be on your radar include:

  • USAA
  • GEICO
  • Allstate
  • State Farm

Frequently Asked Questions

  • According to our research, Safeco offers the best car insurance overall. However, the best company overall may not be the best company for you. Consider your unique needs before deciding. Any of the companies on our list should provide you with excellent coverage at a low cost.

  • Based on nearly one million quotes, we found that AssuranceAmerica offers the lowest rate for state minimum coverage in Florida. The average rate was $167 a month. It should be noted that AssuranceAmerica specializes in minimum coverage. If you need full coverage, you should consider Progressive, Travelers, or National General.

  • In short, you should buy enough car insurance to cover you, your property, and your liability. You must, at minimum, comply with state law. And, if you have a car loan, you’ll need to comply with your lender’s requirements as well. However, it is generally a smart move to purchase more car insurance coverage than the minimum, especially for liability coverage.

  • Luckily, there are many highly rated car insurance companies in Florida. The best way to find out which will offer you the best rate is to compare quotes. Using Insurify’s rate-comparison tool, you can shop real quotes from top companies in just a few minutes. And don’t forget to compare at least every six months. Rates change constantly, so the lowest rate today may not be the lowest rate tomorrow.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

JJ Starr
JJ Starr
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Content Writer at Insurify

J.J. Starr is a health and finance copywriter who enjoys helping readers find the information they need. In addition to her background in banking and financial advising, she is also a poet with an MFA from New York University. She lives in Amherst, Massachusetts. You can learn more at jjstarrwrites.com.

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