Cheapest Auto Insurance in Florida (2025)

Hugo offers some of the cheapest car insurance quotes in Florida, at $93 per month for liability only and $116 for full coverage.

Anna Baluch
Written byAnna Baluch
Photo of an Insurify author
Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

Featured in

media logomedia logomedia logo
Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

media logomedia logomedia logomedia logo
Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • 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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated

Save up to $1,025 by comparing quotes from the top 120+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

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.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Important Information

Learn more about how Florida car insurance rates have dropped 8% in the first half of the year, but auto parts inflation and post-hurricane claims are still creating higher costs.

The average cost of car insurance in Florida is $206 per month for full coverage — the 10th-highest in the country, according to Insurify’s latest auto insurance report.

This cost is largely a result of the high number of severe weather events the state sees, which drives up the probability of drivers filing a claim and puts a strain on Florida insurers.

Fortunately, Sunshine State drivers can still find affordable car insurance by comparing multiple quotes at once.

Quick Facts
  • Hugo, State Farm, and Mile Auto offer the cheapest liability-only policies in Florida.

  • State Farm offers the cheapest full-coverage policies in Florida, with monthly rates of $116.

  • Florida’s car insurance rates are much higher than the national averages of $101 for liability coverage and $179 for full coverage.

6 of the cheapest car insurance companies in Florida 

Here’s a closer look at the cheapest car insurance companies in the Sunshine State. Note that the right company for you will depend on your individual situation and needs. It’s a good idea to weigh the pros and cons of all your options so you can hone in on the ideal choice.

State Farm logo
GEICO logo
Nationwide logo
Allstate logo
Hugo logo
Progressive logo
Average price
Prices based on average across state-minimum and full coverage car insurance
$113/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$169/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$137/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$196/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$0/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$176/mo*
Overall rating
4.1
Overall rating
3.9
Overall rating
4.3
Overall rating
3.9
Overall rating
4.5
Overall rating
3.3
Value for money
3.8/5
Value for money
3.8/5
Value for money
3.9/5
Value for money
3.6/5
Value for money
3.6/5
Value for money
3.3/5
Customer service
4.1/5
Customer service
3.9/5
Customer service
4.0/5
Customer service
3.8/5
Customer service
3.5/5
Customer service
3.3/5
Claims handling
4.1/5
Claims handling
4.1/5
Claims handling
4.3/5
Claims handling
3.9/5
Claims handling
3.4/5
Claims handling
3.5/5
Special highlight
AI-generated from 6240 user reviews
Customer service
Special highlight
AI-generated from 6601 user reviews
Teen drivers
Special highlight
AI-generated from 493 user reviews
Usage-based savings
Special highlight
AI-generated from 3769 user reviews
Accident forgiveness
Special highlight
AI-generated from 58 user reviews
Micropayments
Special highlight
AI-generated from 7201 user reviews
Competitive rates
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

State Farm, Allstate, and GEICO are some of Insurify’s top picks for Florida drivers.

State Farm

State Farm logo
User Reviews
4.1
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.
$109/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.
$116/mo
4.1
Best choiceBased on 11,820 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 (6,240)
Taylor
Verified Review
Great Insurance Company but Too Expensive
Reviewed in Michigan on October 2025
Overall, they are a great insurance company, but I think they charge way too much compared to others.
Sherry
Verified Review
State Farm
Reviewed in Kansas on October 2025
Be very careful and read everything.
Kurt
Verified Review
Better Insurance Company
Reviewed in California on October 2025
Rates are too high. Agents don't handle claims directly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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

More than 20% of Florida drivers are uninsured, and a full-coverage insurance policy can help protect your finances if you’re in an accident with a driver who doesn’t have insurance. State Farm offers competitive full-coverage rates in the Sunshine State and is the largest U.S. auto insurer by market share.

State Farm offers car, home, and life insurance. Customers can choose from a long list of additional insurance coverages and take advantage of discounts to save money on their premiums.

Pros
  • Strong financial strength ratings

  • Rideshare car insurance coverage available

Cons
  • Gap insurance not available

  • Must purchase policy through a local agent

Allstate

Allstate logo
User Reviews
3.9
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.
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.
$190/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.
$202/mo
3.9
A solid optionBased on 7,208 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 (3,769)
Stephen
Verified Review
Good to bad
Reviewed in Texas on October 2025
They started out very affordable, but now they are very expensive.
Jerry
Verified Review
Average
Reviewed in Illinois on October 2025
After a few months, they raise your rates over 30% even when you don’t file a claim.
John
Verified Review
You Asked
Reviewed in Illinois on October 2025
Seems expensive, but the service and coverage are very good. You get what you pay for.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
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

Teen drivers pay higher car insurance rates than any other age group because they lack experience behind the wheel. Allstate offers competitive rates for teens and young drivers in Florida. Teens could save even more on their coverage by taking advantage of the company’s good student discount.

Allstate is available in all 50 states, and it also offers home, motorcycle, ATV, renters, condo, and term life insurance.

Pros
  • Pay-per-mile insurance available

  • Above-average J.D. Power customer satisfaction rating in Florida

Cons
  • May not be the cheapest insurer in Florida

  • Some other insurers have higher financial strength ratings

GEICO

GEICO logo
User Reviews
3.9
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.
9.2 /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.
$163/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.
$174/mo
3.9
A solid optionBased on 12,479 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 (6,601)
Pamela
Verified Purchase
Excellent
Reviewed in on October 2025
Excellent. They work with you and are very efficient. Would highly recommend.
Adrian
Verified Purchase
Changed my price when I agreed to policy
Reviewed in on October 2025
When I agreed to accept the policy, my price went up $20 a month instantly. I wasn’t happy.
Maria
Verified Review
Lowest for the Elderly with Minimum Miles
Reviewed in New York on October 2025
Very good for the elderly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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

Having an incident on your driving record, like an at-fault accident, can cause your car insurance rates to increase. GEICO offers accident forgiveness coverage, and your rates won’t go up after your first at-fault accident.

As one of the largest insurers in the U.S., GEICO is a reliable choice if you’re looking for car insurance. It also has an AM Best financial strength rating of A++ (Superior), indicating a strong ability to pay claims.

Pros
  • Usage-based insurance program known as DriveEasy

  • Offers accident forgiveness

Cons
  • Rideshare insurance not available 

  • Doesn’t offer gap insurance

Calculate how much your Florida car insurance might cost

Using the calculator below, see how much you might pay for a Florida car insurance policy.

ESTIMATED RATE: $179 per month
40.1% of similar drivers pay less for coverage. Save up to $1320 per year by comparing quotes!
Quoted premiums and averages sourced from Insurify's database of more than 97 million car insurance quotes from 120+ partner providers. Actual rates may vary based on each policy buyer's unique driver profile.

How to get the cheapest car insurance in Florida

Factors like your age, vehicle make and model, and driving history all play a role in the cost of your car insurance.[1] But these tips can help you find low-cost car insurance in Florida:[2]

  • Increase your deductible. A deductible is the amount of money you pay out of pocket for a claim before your car insurance kicks in and covers the rest. A higher deductible can lower your monthly premiums, but make sure you can afford a higher deductible if you file a claim.

  • Bundle insurance policies. If you have homeowners or renters insurance, you might be able to bundle it with car insurance and save some money. Most car insurance companies offer bundling discounts.

  • Look for discounts. Many insurance companies advertise long lists of discounts. Compare their lists and determine which ones you’re eligible for to find the cheapest potential rates.

  • Shop around. It might be tempting to go with the first car insurance option you find. But doing so may cost you. Be sure to shop around and compare all your options so you can find the ideal coverage for the best rate.

Find Cheap Car Insurance in Florida

Liability rates start at $93 per month

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance quotes in Florida: Hugo

Liability-only car insurance covers the cost of the other driver’s property damage and injuries if you’re at fault for a car accident. It’s the most basic level of auto insurance coverage, and it’s required for drivers in the Sunshine State.

Liability insurance in Florida costs an average of $155 per month. See the cheapest companies for liability coverage in the table below.

Cheapest Liability-Only Companies

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in Florida: State Farm

Full-coverage car insurance includes liability insurance as well as comprehensive and collision insurance. While a full-coverage policy isn’t a legal requirement in Florida, it can provide you with extra financial protection and peace of mind. It’s worth considering if you drive a new or expensive car, commute often, or have an auto loan or lease.

Florida drivers pay an average of $206 per month for full-coverage car insurance.

The table below shows the insurers with the cheapest full-coverage policies in Florida.

Cheapest Full-Coverage Companies

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent car insurance quotes in Florida

Drivers using Insurify have found quotes as cheap as $52/mo for liability only and $99/mo for full coverage in Florida.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Why are car insurance rates in Florida so high?

Florida drivers see the 10th-highest car insurance rates in the country, largely due to rising inflation, a high number of uninsured drivers, and the increasing severity of climate catastrophes.

Florida car insurance rates peaked at an average of $3,250 per year in August 2024. Since then, prices in the state have cooled down slightly, with drivers paying an average of $2,912 as of June 2025, according to Insurify’s 2025 Auto Insurance Report.

But Insurify projects Florida car insurance rates will increase by the end of 2025, with a year-end annual cost projection of $3,107. Rate increases could cause some drivers to reduce their coverage to save money.

Expert Insight

Mallory Mooney

Mallory Mooney

Director of Sales and Service

”As a result of high insurance rates in Florida, we’re seeing drivers who used to carry more robust coverage with high limits starting to reduce their coverage, switching to cheaper policies with lower limits.”

Car insurance requirements in Florida

Florida’s car insurance requirements are different from other states because its requirements don’t include bodily injury coverage. Instead, drivers must have personal injury protection (PIP) and property damage liability insurance. PIP covers medical expenses that result from a car accident, no matter whos at fault.

Here are the minimum car insurance requirements for Florida drivers:[3]

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    $10,000 of personal injury protection (PIP)

    Florida requires drivers to carry $10,000 of PIP coverage. Personal injury protection can pay for both medical expenses and non-medical expenses related to injuries you or your passengers suffer in a car accident.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    $10,000 of property damage liability

    Florida requires drivers to carry $10,000 of property damage liability coverage. Your liability insurance pays for damage to the other party’s vehicle or personal property in an accident you cause.

Even though Florida only requires PIP and property damage liability, many drivers can benefit from additional coverage options, including:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers damages to your car after colliding with another vehicle or object, like a tree or fence.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers vehicle loss and damage that comes from incidents other than car accidents, like hurricanes, theft, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/150x150/13c17bd678/car-service-96x96-orange_027-car-lift.svg

    Gap coverage

    Gap insurance pays the difference between your auto loan and the actual cash value (ACV) of your car after a total loss. It’s recommended for drivers who finance or lease their cars.

  • illustration card https://a.storyblok.com/f/162273/150x150/951095b2b4/car-service-96x96-blue_014-tow-truck.svg

    Roadside assistance coverage

    If you’re on the side of the road with a dead car battery or a flat tire, roadside assistance coverage can help pay for a jump-start, tire change, or car tow.

Shop for Car Insurance in Florida

Rates start at $110 per month for drivers with an incident

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance companies in FL for drivers with an incident

Incidents refer to at-fault accidents, speeding tickets, DUIs, and other moving violations you might commit as a driver in the Sunshine State. Since incidents may cause insurance companies to see you as a high-risk driver, they often lead to increased car insurance rates.

For example, if you have a DUI in Florida, you’ll pay 99% more, on average, for car insurance than you would with a clean driving record.

Read More: SR-22 and FR-44 Insurance in Florida

Read More: SR-22 and FR-44 Insurance in Florida

Cheapest car insurance quotes for drivers with a speeding ticket: Hugo

While a speeding ticket might not seem like a big deal, it can lead to higher car insurance premiums. In Florida, drivers with a speeding ticket pay 34% more for car insurance, on average.

Liability insurance for Florida drivers with a speeding ticket costs an average of $208 per month.

The table below shows cheap liability-only auto insurance companies in Florida for drivers with a speeding ticket and how rates compare to those for drivers with a clean record.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With Speeding Ticket
sort ascsort desc
Hugo$93$131
State Farm$109$141
Mile Auto$116$145
Direct Auto$149$194
Progressive$152$204
GEICO$163$218
Mercury$163$234
Infinity$176$226
National General$181$233
Bristol West$184$238
Allstate$190$250
The General$190$260
GAINSCO$193$240
Root$198$270
Travelers$226$298
AssuranceAmerica$280$343
Dairyland$287$370
Liberty Mutual$383$498
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with an at-fault accident: Hugo

If you’re at fault for a car accident in Florida, you should expect higher rates for a car insurance policy. Depending on the auto insurance company and your particular situation, you may pay up to 43% more for car insurance.

Florida drivers with an accident on their record pay an average of $191 per month for liability coverage.

These auto insurers offer the cheapest monthly minimum-coverage rates for drivers with at-fault accidents in Florida.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With Accident
sort ascsort desc
Hugo$93$119
State Farm$109$136
Mile Auto$116$149
Direct Auto$149$195
Progressive$152$187
GEICO$163$198
Mercury$163$231
Infinity$176$216
National General$181$229
Bristol West$184$232
Allstate$190$240
The General$190$251
GAINSCO$193$238
Root$198$247
Travelers$226$287
AssuranceAmerica$280$327
Dairyland$287$364
Liberty Mutual$383$486
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with a DUI: Hugo

A DUI is a serious offense that can increase your car insurance costs in Florida. If you’ve been convicted of a DUI, you may pay up to 100% more for car insurance. Be aware that having a DUI on your record can make it difficult to find an insurer that will cover you.

Florida drivers with a DUI pay monthly averages of $204 for liability coverage and $272 for full coverage.

Here are the cheapest liability-only Florida car insurance companies for drivers with a DUI.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Avg. Quote With Clean Driving Record
sort ascsort desc
Avg. Quote With DUI
sort ascsort desc
Hugo$93$129
State Farm$109$151
Mile Auto$116$161
Direct Auto$149$206
Progressive$152$200
GEICO$163$218
Mercury$163$235
Infinity$176$244
National General$181$251
Bristol West$184$255
Allstate$190$263
The General$190$263
GAINSCO$193$267
Root$198$269
Travelers$226$313
AssuranceAmerica$280$388
Dairyland$287$398
Liberty Mutual$383$531
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for seniors: Hugo

Senior drivers in Florida often face higher car insurance rates due to physical and mental impairments that interfere with their ability to drive safely.[4] Rates typically decrease around age 25 but increase around age 70.

Senior drivers in Florida pay an overall average of $161 per month for car insurance.

Here’s a look at the cheapest monthly car insurance rates for Florida seniors.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
State Farm$88$93
Mile Auto$93$126
Direct Auto$122$195
Infinity$129$186
GEICO$132$141
Progressive$135$178
Mercury$135$170
National General$145$175
Bristol West$155$217
Allstate$158$168
The General$161$231
GAINSCO$166$275
Root$170$267
Travelers$184$196
AssuranceAmerica$221$327
Dairyland$240$433
Liberty Mutual$326$338
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for teens: Hugo

Compared to adults, teenagers in Florida pay much more for car insurance. This is because they have less experience on the road and are more likely to cause an accident.

Car insurance for Florida teens costs $310 per month, on average.

To land the cheapest rates, teens can stay on their parents’ policy, take an approved defensive driving course, and look for good student discounts. Here are the cheapest monthly car insurance rates for teen drivers in Florida.

The below rates are estimated rates current as of: Monday, October 6 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
State Farm$203$216
Mile Auto$232$314
Progressive$260$342
Direct Auto$284$454
GEICO$285$304
Infinity$289$418
Mercury$296$373
Bristol West$319$447
The General$319$458
Root$334$526
GAINSCO$352$583
National General$358$431
Allstate$363$386
Travelers$446$474
Dairyland$460$831
AssuranceAmerica$548$810
Liberty Mutual$655$679
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Florida car insurance quotes by credit tier

Drivers with good to excellent credit are statistically less likely to file claims than drivers with poor credit. Insurance companies in Florida are legally allowed to consider the credit histories of prospective policyholders to help determine their car insurance premiums — but it can’t be the only factor they use.

As you can see from the chart below, Florida drivers with excellent credit pay $175 less, on average, for an auto policy than a driver with poor credit.

Quotes by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Florida

Check quotes from 120+ top insurance companies

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Car insurance quotes across Florida cities

Florida has some of the highest car insurance costs in the country, but rates can vary widely depending on your city and even your ZIP code. The table below shows the average cost of car insurance across various cities in Florida. 

  • City
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Fort Lauderdale$228$182
    Fort Myers$191$145
    Jacksonville$214$159
    Lakeland$202$162
    Miami$263$201
    Ocala$188$151
    Orlando$223$173
    Pompano Beach$237$170
    Tampa$268$208
    Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Florida car insurance FAQs

Check out the additional information below to help you find car insurance coverage in the Sunshine State.

  • How much is car insurance in Florida?

    The average cost of car insurance in Florida is $155 per month for liability insurance and $206 per month for full coverage, according to Insurify data.

  • Which companies have the cheapest car insurance in Florida?

    The cheapest full-coverage car insurance companies in Florida are State Farm, Mile Auto, and GEICO, while the cheapest liability-only insurers are Hugo, State Farm, and Mile Auto.

    While these are the cheapest companies, according to Insurify data, always compare quotes from multiple companies with similar coverage levels to find the insurer that meets your coverage needs at the best price for you.

  • What is the best car insurance in Florida?

    There’s no single “best” insurance company for every type of driver. But State Farm, Allstate, and GEICO are some of the best car insurance companies in Florida. They each have competitive rates, good customer satisfaction, and discounts that can help you save.

  • Why is Florida car insurance so expensive?

    Florida car insurance is so expensive because the state has such a high rate of uninsured drivers and catastrophic weather events, according to an Insurify study. Plus, Florida experiences a variety of severe weather conditions — like flooding, fires, and storms — that can increase the risk of vehicle damage.[5]

  • Do you need personal injury protection in Florida?

    Yes. Florida requires drivers to purchase personal injury protection insurance to drive legally.

Florida drivers have long faced some of the nation’s most expensive car insurance rates. Full-coverage rates have increased 42% since 2021, and Florida drivers pay 26% more than the national average rate, Insurify data shows.

Insurers are feeling the bite as well. For every $100 insurers collected in premiums from 2017 through 2023, they paid out $74.50.[6] But while lower margins and higher premiums have dampened the insurance market in the Sunshine State, things are now looking up.

Florida drivers pay an average of $2,912 per year for car insurance, according to Insurify’s auto insurance report. But premiums have dropped 8% in the first half of 2025.

For years, Florida’s extremely high rate of insurance claims litigation, especially regarding auto glass repairs, helped spur higher rates. But legislative changes that prohibit assignment of benefits to repair shops seem to have dramatically reduced insurance-related litigation.[7]

Yet Florida’s insurance market still faces familiar threats, including the rising cost of auto repairs, an above-average rate of uninsured drivers, and destructive hurricanes, all of which can negatively affect insurers and policyholders alike.

Key findings

  • Tampa and Miami are the most expensive cities in Florida for car insurance. The average annual cost of full-coverage car insurance is $3,861 in Tampa and $3,796 in Miami.

  • The Tesla Model 3 and Model Y are the most expensive cars to insure in Florida. Electric vehicles (EVs) cost 66% more to insure than gas-powered cars in Florida. The average annual premium is $5,283 for EVs and $3,189 for similar gas-powered models.

  • Many New York residents move to Florida, and drivers could save money on car insurance in the process. The average annual cost of full-coverage car insurance in New York is $3,724, versus $2,912 in Florida.

Since 2021, Florida has seen a 42% spike in full-coverage rates

Like the rest of the country, Florida saw significant car insurance cost increases post-pandemic. Insurers raced to align pricing with risk following a surge in dangerous driving behavior, which caused an uptick in expensive claims, and supply chain disruptions that led to shortages and higher costs.[8] Inflation caused consumer prices for motor vehicle parts to soar from 2021 through 2022, increasing what insurers have to pay out for each claim.[9]

Insurers often pass increased claims costs along to drivers in the form of higher premiums. Any risk trend that influences the cost or frequency of insurance claims can also affect rates.

Florida also has one of the highest rates of uninsured motorists, according to an Insurance Research Council analysis from 2017 to 2023.[10] More than 20% of registered vehicles in Florida are uninsured. The national average during that period was 13.7%.

Uninsured drivers can drive up rates by increasing insurers’ financial risk and reducing the pool of drivers paying for insurance. When an uninsured driver causes an accident, the insurance company has to cover its policyholder’s claim, even though they weren’t to blame.

Climate risk also influences full-coverage car insurance rates because comprehensive coverage protects against weather damage. Drivers filed 42,951 claims after Hurricane Milton and 62,578 after Hurricane Helene in 2024, according to the Florida Office of Insurance Regulation.[11]

Auto insurance fraud once significantly influenced Florida car insurance costs, but recent legislation may be changing that. In 2023, Florida banned the assignment of vehicle glass benefits, preventing drivers from assigning their claims to auto glass companies or repair shops.

Insurance claim lawsuits declined by 500% year over year in 2024, leading many insurers to decrease or maintain their rates, according to the Insurance Information Institute.[12]

This reform helped curb insurer losses. In 2024, Florida auto insurers paid $57.46 for every $100 collected in premiums, a significant improvement from the $74.50 five-year average.[13]

But if tariffs do significantly affect the cost of auto parts, Florida car insurance premiums may eventually go up to reflect subsequent higher claims costs.

Tariffs passed in April have already increased the consumer price index for motor vehicle parts and equipment, according to the U.S. Bureau of Labor Statistics. Still, Florida drivers are unlikely to see the kind of double-digit increases that hit rates the last few years.

Tampa, Miami are most expensive Florida cities for car insurance

Drivers in Tampa and Miami pay the most for full-coverage car insurance, on average, according to Insurify data. Tampa is the most expensive city for car insurance, where drivers pay an average of $3,861 per year for full coverage, according to Insurify data. But Miami is a close second, with an annual average full-coverage insurance premium of $3,796.

They’re also the most densely populated cities in Florida, though Miami has a higher density than Tampa, according to the U.S. Census Bureau. Car insurance often costs more in cities because urban areas have higher rates of vehicle theft and vandalism.

The counties home to each of the five most expensive cities for car insurance all had an above-average vehicle theft rate per 100,000 people in 2023, according to the Florida Department of Health.[14] Orange, Leon, Hillsborough, and Miami-Dade counties, home to Orlando, Tallahassee, Tampa, and Miami, respectively, had theft rates in the highest quarter. Duval County, home to Jacksonville, came in just below that.

More cars being on the road also increases the likelihood of accidents. Of the counties with the five most expensive cities for car insurance, Duval and Miami-Dade counties have the highest crash rates per 100,000 people, according to an analysis of data from the U.S. Census Bureau and Florida’s 2023 Traffic Crash Facts report.

For city drivers, the location where they officially “garage” their cars can affect rates, too. For example, insurers may consider living on a busy street riskier than a quieter neighborhood or having the option to park in a garage.

Tesla Model 3 and Model Y are most expensive models to insure

Two EVs top the list of the most expensive vehicles to insure in Florida, according to Insuify data. Florida drivers pay an annual average of $4,971 per year to insure a Tesla Model 3 and $4,704 to insure a Model Y.

EVs are often more expensive to insure: In Florida, the average annual cost of full-coverage for an EV is $5,283, which is 66% higher than the cost of insuring a gas-powered car, according to Insurify’s EV report. EVs’ larger batteries and numerous sensors make them more expensive to repair and replace, which can increase claims costs and insurer risk.

The Nissan Altima, Kia Optima, and Chevrolet Tahoe are the most expensive non-electric vehicles to insure in Florida, Insurify data shows. Numerous factors besides a car’s model influence car insurance rates, from local crash and weather risk to someone’s unique driver profile.

But a vehicle’s value, age, size, and claims frequency can all affect insurance costs. For example, a heavier car like the Tahoe may do more damage in accidents and have a higher liability risk. And, in 2024, the Optima was the fifth most stolen car in the U.S., according to the National Insurance Crime Bureau.[15]

Vehicles on the cheaper side to insure in Florida include the Ford Escape, Ford Ranger, and Nissan Murano. Even new Escape models have a below-average sale price, according to Kelley Blue Book, making them less expensive to replace. And Muranos have above-average reliability ratings from the National Highway Traffic Safety Administration and lower-than-average repair costs, which can reduce insurer risk.

New Yorkers could save on auto insurance by moving to Florida

While car insurance rates are high in Florida, they’re still well below those found in some other states. Some Northeast drivers hoping to escape the winters and head to Florida may end up paying more for car insurance, but New York drivers could end up paying less.

New York has the second-highest average cost of car insurance in the U.S., Insurify data shows. Drivers could save more than $800 on average on their car insurance by moving to Florida. Both states have no-fault insurance systems, so drivers have to pay for personal injury protection (PIP) as well as liability coverage. But New York has higher PIP requirements — $50,000 in New York versus $10,000 in Florida — which makes for higher premiums.

New Jersey drivers pay less on average than Florida drivers for full-coverage car insurance, so anyone moving from the Shore may see higher rates in Florida depending on where they settle. Drivers in other large states, like Texas and California, may see similar, moderate cost increases.

At the end of the day, individual factors like age and driving record will significantly influence car insurance premiums, not just a driver’s home state. Keep reading for tips on how to get cheap car insurance in Florida and find insurance companies that feel like a good fit.

Report methodology

Insurify’s team of data scientists examined more than 97 million quotes in its proprietary database, quoted via integrations with partnering insurance companies, to determine average car insurance rates. Rates reflect the average annual cost of a full-coverage car insurance policy (up to $50,000 in bodily injury liability coverage per person and $100,000 per accident, a $50,000 property damage limit, and a $1,000 deductible for both comprehensive and collision coverage). To compare EVs with gas-powered cars, Insurify analyzed rates for cars with a model year of 2020 or later.

Sources

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Related articles

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  4. Insurance Information Institute. "Senior driving safety and insurance tips."
  5. Florida Department of Transportation. "Severe Weather Awareness."
  6. R Street. "2024 Insurance Regulation Report Card."
  7. Litigation Reform Works: Florida Auto Insurance Premium Rates Declining. "Insurance Information Institute."
  8. National Highway Traffic Safety Administration. "Early Estimate of Motor Vehicle Traffic Fatalities in 2024."
  9. U.S. Bureau of Labor Statistics. "Consumer Price Index for All Urban Consumers: Motor Vehicle Parts and Equipment in U.S. City Average."
  10. Insurance Research Council. "Facts + Statistics: Uninsured motorists."
  11. Florida Office of Insurance Regulation. "Catastrophe Claims Data and Reporting."
  12. Insurance Information Institute. "Florida’s P/C Market Stabilizing Due to Legislative Reforms that Curbed Legal System Abuse Practices of Billboard Attorneys."
  13. National Association of Insurance Commissioners. "2024 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide."
  14. Florida Department of Health. "FL Health Charts: Motor Vehicle Traffic Crashes."
  15. National Insurance Crime Bureau. "Vehicle Thefts in United States Fell 17% in 2024."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Anna has been a contributor at Insurify since December 2022.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

media logomedia logomedia logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate