Best Car Insurance in Florida for Senior Drivers (2025)

State Farm, GEICO, and Allstate are three of the best car insurance companies in Florida for senior drivers.

Danny Smith
Written byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

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Senior drivers tend to pay the lowest car insurance rates of any age group, but Florida seniors pay more than the national average rate for full-coverage and liability-only policies. Nationally, a full-coverage policy for a senior driver averages $153 per month. In Florida, the monthly average is $188.

Car insurance rates begin to rise for senior drivers around age 70 due to an increase in accident risks.

Drivers have different driving histories and unique needs, so the right insurer is different for everyone. Insurify analyzed 50 car insurance companies to determine the best car insurance companies in Florida to help you find the right option for you.

Here’s what you need to know about finding the best car insurance for senior drivers in Florida.

Best car insurance companies in Florida for seniors

Senior drivers in Florida have a number of excellent car insurance companies to choose from, but some stand out from the rest. Insurify determined the five best car insurance companies for seniors in Florida based on factors like price, available discounts, customer service, Insurify Quality (IQ) Score, and third-party ratings.

GEICO: Best overall

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.
$71/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
4.0
Best choiceBased on 11,192 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 (6,130)

Edith

March 26, 2025

Verified Review

Honesty is Key

I was with Geico for years and everything was fine until I had my first accident. I appealed because it wasn't my fault and I won! Geico owed me money back, but they didn't calculate it correctly on purpose. If I lose trust and respect, I don't want to be with that company.

Sandra

March 26, 2025

Verified Review

Insurance

It's very easy to deal with. All you really need is the app, and you can do everything yourself.

David

March 26, 2025

Verified Review

Not Competitive

Their rates are disappointing considering I have been with them for over 6 years and a five-year-old claim didn't cause my rate to go down. Their offer is $60 per month higher than other offers.
See all GEICO reviews
JD Power
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.
0.74
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

GEICO offers some of the cheapest insurance rates in Florida. It also offers a specialty Prime Time contract to drivers 50 or older with no accidents or violations in the past three years. Various other discounts and ways for drivers of all ages to save are also available. GEICO has strong financial and decent customer satisfaction ratings, so you can rely on them to pay out claims well.

Pros
  • Affordable rates

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

  • 10% defensive driving course discount

Cons
  • Gap insurance not available

  • Doesn’t offer rideshare insurance

  • 1.3 out of 5 stars on Trustpilot

State Farm: Best for affordability

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.
$69/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
4.2
Best choiceBased on 10,204 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 (5,623)

Brent

March 26, 2025

Verified Review

Underwhelmed

The premiums have significantly increased over the years.

James

March 26, 2025

Verified Review

Good

Good, but I'm looking for a discount for full coverage.

Michael

March 26, 2025

Verified Review

Your rate increases for no apparent reason. My agent is never available for direct communication. They don't live up to the hype.

Your rate increases for no apparent reason. My agent is never available for direct communication. They don't live up to the hype.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
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 offers the cheapest rates for senior drivers in Florida. It’s the best option for senior drivers in Florida looking to secure cheap insurance without sacrificing coverage levels. That being said, State Farm is also an excellent insurer across the board, earning strong customer satisfaction and financial strength ratings. Older drivers can find good rates and customer service with State Farm.

Pros
  • Cheapest rates for senior drivers in Florida

  • 5% defensive driving course discount

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

Cons
  • Doesn’t offer gap coverage

  • Doesn’t have accident forgiveness

  • Has higher rates for drivers with violations

Allstate: Best for flexibility

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
4.0
Best choiceBased on 6,270 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 (3,406)

Frank

March 26, 2025

Verified Review

Good

The rates keep going up.

Margarita

March 26, 2025

Verified Review

Good

The service is good, but as a senior citizen living on Social Security, I've noticed that my monthly payments keep increasing every time my policies come up for renewal.

Chester

March 26, 2025

Verified Review

Average

The auto insurance is too high.
See all Allstate reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
849
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

Allstate is the best option for senior drivers in Florida looking for flexibility in their policies. It offers a plethora of different coverages, including auto, home, condo, renters, motorcycle, ATV, and life insurance. It also offers numerous additional coverages other insurers don’t provide, including accident forgiveness and gap coverage. It’s a good choice for senior Floridian drivers who want more coverage options.

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

  • Offers pay-per-mile coverage

  • Offers a discount for completing a defensive driving course

Cons
  • 1.2 out of 5 stars on Trustpilot

  • Not the cheapest option in Florida

  • Low J.D. Power claims satisfaction rating

Mile Auto: Best for pay-per-mile insurance

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.
7.5 /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.
$113/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.
$144/mo
4.2
Best choiceBased on 70 verified guest reviews and ratings
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (38)

Irma

March 21, 2025

Verified Purchase

Mike Auto is for Real

I have nothing but good things to say. It has saved me a lot of money, which means everything to me. I think about all the money I have paid for insurance, and finally, this insurance, Mike Auto, has come up with a way to reduce the cost.

Irma

March 19, 2025

Verified Purchase

Response Time

I would prefer to have my problems solved before the three days they state as their response time.

Richard

January 13, 2025

Verified Purchase

Loose Time Frames

They give you two days to submit a picture of your mileage, and then they threaten to charge you for 40 miles a day.
See all Mile Auto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
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).
NR
Why we picked this company

Mile Auto is the best car insurance company for seniors in Florida looking for pay-per-mile insurance coverage. It offers affordable premiums for full coverage and minimum coverage. It’s a good option for seniors who don’t drive very often, but if your needs change and you need your car more frequently, it likely won’t remain the right choice.

Pros
  • Low-mileage drivers can save significantly

  • Roadside assistance available

  • 3.2 out of 5 stars on Trustpilot

Cons
  • Not rated by J.D. Power or the National Association of Insurance Commissioners (NAIC)

  • Doesn’t offer any discounts

  • Can get expensive if you start driving more frequently

USAA: Best for military members, veterans, and their families

User Reviews
4.9
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.
9.4 /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.
$47/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.
$99/mo
4.9
Best choiceBased on 1,838 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,059)

Donald

March 26, 2025

Verified Review

Unsatisfactory Experience for Veterans

They are unsatisfactory in handling home claims. They seem to side with questionable contractors and don't pay adequate attention to the veterans. Both the claims adjuster and the mitigation company seem dishonest. I had a very negative experience.

Tammie

March 26, 2025

Verified Review

USAA

USAA has always been quick to respond. However, they don't really fight for their policy holders.

Michael

March 25, 2025

Verified Review

Other than that, they're great

The car coverage cost goes up a little too high.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
884
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
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

USAA is the best car insurance option for senior drivers who are veterans, active military, or qualifying family members. It offers exclusive coverages, discounts, and benefits to its members, making it an excellent option for the roughly 1.4 million veterans living in Florida. It also has stellar financial strength and customer satisfaction ratings across the board.

Pros
  • Exclusive discounts for qualifying members

  • Offers a discount for taking a defensive driving course

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

Cons
  • 1.2 out of 5 stars on Trustpilot

  • No physical locations

  • Doesn’t have 24/7 customer support

  • 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 for seniors in Florida

Senior drivers have several ways to ensure they’re getting the best car insurance in Florida, including leveraging senior-friendly discounts.[1] [2]

  • illustration card https://a.storyblok.com/f/162273/150x150/28fd0b0ea3/car-and-driving-96x96-blue_023-driving-test.svg

    Maintain a clean driving record

    The best way for any driver, including seniors, to get reliable, cheap car insurance is by maintaining an incident-free driving history. This signals to car insurance companies that you’re a safe driver and unlikely to file a claim. People with clean driving records almost always pay less than drivers with infractions on their record.

  • illustration card https://a.storyblok.com/f/162273/x/d980bd9cc4/membership.svg

    Take advantage of discounts

    Auto insurance discounts are one of the best ways to keep your coverage affordable. Just about every car insurance company offers numerous discounts, including ones friendly to seniors, such as for being a mature driver, being a defensive driver, and having low mileage. When shopping for insurance, ask companies what discounts they offer.

  • illustration card https://a.storyblok.com/f/162273/150x150/6a92eb6099/insurify-icons-auto-green-96x96_005-insurance.svg

    Consider your coverage level and deductible

    Your policy limits should reflect how you use your vehicle. If you drive infrequently or have an older car, you may only need to carry the state-minimum coverage. But if you have a newer vehicle and drive often, you’ll want to carry full coverage. Additionally, you can lower your monthly premium by raising your deductible — just make sure you can afford it out of pocket if you need to file a claim.

  • illustration card https://a.storyblok.com/f/162273/150x150/243feaaa23/contact-us-96x96-orange_033-rating.svg

    Read customer reviews and third-party ratings

    You should always read what other customers are saying about a car insurance company before buying a policy. This way, you know what to expect from the insurer if you ever need to file a claim. You should also consider third-party ratings and rankings from companies like J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC) to get an idea of an insurance company’s customer satisfaction and financial strength.

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

    Compare car insurance quotes

    No matter your age or location, you should always compare car insurance quotes from at least three different insurance companies before buying a policy. Every driver is different, and every insurance company determines rates differently, so no one insurer will be the best choice for every driver. Comparing quotes is one of the best ways to find cheap car insurance and narrow down quality companies.

  • Find Cheap Coverage for Senior Drivers

    Minimum-coverage policies start as low as $53/mo. for Florida seniors

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How much is car insurance for a senior driver in Florida?

Car insurance for senior drivers in Florida costs an average of $155 per month. Senior drivers pay an average of $122 per month for liability coverage and $188 for full-coverage car insurance.

In recent years, car insurance costs in Florida have been rising, increasing from $2,434 per year in January 2023 to $3,253 in August 2024. But rates have steadied in recent months, coming back down to $3,077 in January 2025.

Best car insurance in Florida for senior drivers FAQs

Finding the right car insurance in Florida as a senior can be tricky. Take a look at these answers to some of the most commonly asked questions about the best car insurance in Florida for senior drivers.

  • How much is car insurance in Florida?

    Florida seniors pay average rates of $155 per month for car insurance — lower than the overall statewide average of $190. For liability insurance, seniors pay $122 per month. Full coverage costs seniors $188 per month, on average.

  • What are the best car insurance companies in Florida?

    State Farm, GEICO, and Allstate are the best car insurance companies in Florida for senior drivers. They all provide affordable coverage, numerous discounts, and unique benefits to drivers. But another car insurance company may be best for you, as each insurer determines rates differently. Always compare quotes from multiple companies before buying a policy.

  • What car insurance discounts are available in Florida?

    Dozens of car insurance discounts are available in Florida, including membership, alumni, occupational, and vehicle-specific discounts. Some of the most common car insurance discounts in Florida are good student, safe driver, low-mileage, defensive driving course, and military discounts. For a full list, see Insurify’s Florida car insurance discounts page.

  • How much car insurance do you need in Florida?

    The minimum car insurance required in Florida is $10,000 in personal injury protection and $10,000 in property damage liability coverage.[3] This is lower than many other states’ requirements. Florida is one of the few states that doesn’t require bodily injury liability coverage. In most cases, you’ll want to carry more than Florida’s minimum coverage.

Sources

  1. III. "Nine ways to lower your auto insurance costs."
  2. III. "How to save money on car insurance."
  3. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
Danny Smith
Danny Smith

Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Danny has been a contributor at Insurify since March 2022.

Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

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