Cheapest Auto Insurance in Florida (2024)
State Farm offers some of the cheapest car insurance rates in Florida, at $68 per month for liability only and $83 for full coverage.
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Written byAnna Baluch
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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.
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Edited byAshley Cox
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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.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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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 November 20, 2024
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Table of contents
The average cost of car insurance in Florida is $248 per month for full coverage — the third-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
State Farm, GEICO, 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 $83.
Florida’s car insurance rates are much higher than the national averages of $104 for liability coverage and $204 for full coverage.
3 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.
Insurance Company ▲▼ | 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. ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|---|
| State Farm | 9.3 | $68 | $83 |
| Allstate | 8.9 | $117 | $145 |
| GEICO | 9.0 | $69 | $86 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
State Farm
| 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. | $68/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. | $83/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
| 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. | $117/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. | $145/mo |
4.0
Best choiceBased on 5647 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,072)
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
Linda
November 12, 2024
Verified Review
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
849NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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
| 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. | $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. | $86/mo |
4.0
Best choiceBased on 10271 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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
)
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 the cheapest auto policies 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 $68 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Florida: State Farm
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 $157 per month. See the cheapest companies for liability coverage in the table below.
10 Cheapest Liability-Only Insurers
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 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 $248 per month for full-coverage car insurance.
The table below shows the insurers with the cheapest full-coverage policies in Florida.
10 Cheapest Full-Coverage Insurers
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 rates in Florida
Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $72/mo for full coverage in Florida.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. 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 November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. 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 fifth-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.
As of August 2024, Florida drivers face an average annual premium of $3,201 for full-coverage car insurance — 18% higher than what they paid in 2023 and a full 37% higher than the national average, according to Insurify’s 2024 Auto Insurance Report.
Overall, full-coverage car insurance prices rose 24% over the course of 2023. The report predicts a total 22% increase by the end of 2024.
)
Floridians spend 4.3% of their income on car insurance. The average American spends only about 2.6%.
Florida’s severe risk of climate catastrophes plays a large part in these high prices. Close to 27% of Florida counties are at a “relatively high” natural disaster risk, according to FEMA, and a further 6% are at a “very high” risk. Miami-Dade, Florida’s most populous county, is also at a “very high” risk. This increases the probability of insurance claims in Florida, leading insurers to raise prices to cover the risk.
)
Severe weather events, like Hurricane Ian, the high cost of damages, and associated lawsuits have also led to insurers pulling out of Florida. Farmers Insurance stopped writing and renewing auto, homeowners, and umbrella policies in July 2023, affecting 100,000 Floridians. If this trend continues, Florida drivers will have fewer options available for car insurance.
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 who’s at fault.
Here are the minimum car insurance requirements for Florida drivers:[3]
$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.
$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:
Collision coverage
Collision insurance covers damages to your car after colliding with another vehicle or object, like a tree or fence.
Comprehensive coverage
Comprehensive insurance covers vehicle loss and damage that comes from incidents other than car accidents, like hurricanes, theft, and vandalism.
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.
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.
Cheapest car insurance 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.
Shop for Car Insurance in Florida
Rates start at $79 per month for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
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 $191 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $68 | $81 |
| GEICO | $69 | $83 |
| Mile Auto | $114 | $139 |
| Allstate | $117 | $141 |
| Travelers | $140 | $171 |
| Mercury | $154 | $200 |
| Direct Auto | $161 | $195 |
| Safeco | $178 | $218 |
| Progressive | $182 | $218 |
| Infinity | $194 | $242 |
| Foremost | $208 | $272 |
| GAINSCO | $224 | $293 |
| Dairyland | $226 | $273 |
| Bristol West | $247 | $300 |
| AssuranceAmerica | $253 | $305 |
| National General | $278 | $338 |
| The General | $306 | $377 |
| Hugo | $340 | $404 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 for drivers with an at-fault accident: State Farm
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 $207 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $68 | $87 |
| GEICO | $69 | $89 |
| Mile Auto | $114 | $151 |
| Allstate | $117 | $151 |
| Travelers | $140 | $183 |
| Mercury | $154 | $214 |
| Direct Auto | $161 | $213 |
| Safeco | $178 | $228 |
| Progressive | $182 | $237 |
| Infinity | $194 | $245 |
| Foremost | $208 | $288 |
| GAINSCO | $224 | $277 |
| Dairyland | $226 | $290 |
| Bristol West | $247 | $319 |
| AssuranceAmerica | $253 | $320 |
| National General | $278 | $359 |
| The General | $306 | $404 |
| Hugo | $340 | $470 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 for drivers with a DUI: State Farm
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 $238 for liability coverage and $376 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $68 | $108 |
| GEICO | $69 | $109 |
| Mile Auto | $114 | $180 |
| Allstate | $117 | $185 |
| Travelers | $140 | $222 |
| Mercury | $154 | $224 |
| Direct Auto | $161 | $255 |
| Safeco | $178 | $260 |
| Progressive | $182 | $288 |
| Infinity | $194 | $307 |
| Foremost | $208 | $329 |
| GAINSCO | $224 | $354 |
| Dairyland | $226 | $358 |
| Bristol West | $247 | $391 |
| AssuranceAmerica | $253 | $400 |
| National General | $278 | $440 |
| The General | $306 | $484 |
| Hugo | $340 | $538 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 for seniors: State Farm
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 $163 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $52 | $64 |
| GEICO | $54 | $68 |
| Mile Auto | $85 | $109 |
| Allstate | $93 | $115 |
| Travelers | $108 | $133 |
| Mercury | $120 | $149 |
| Direct Auto | $124 | $240 |
| Progressive | $129 | $190 |
| Infinity | $147 | $206 |
| Safeco | $150 | $157 |
| Foremost | $164 | $248 |
| Dairyland | $178 | $309 |
| GAINSCO | $185 | $257 |
| AssuranceAmerica | $188 | $314 |
| Bristol West | $195 | $279 |
| National General | $209 | $218 |
| The General | $245 | $348 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 for teens: GEICO
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 $336 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: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| GEICO | $109 | $135 |
| State Farm | $115 | $141 |
| Allstate | $206 | $255 |
| Mile Auto | $218 | $282 |
| Travelers | $250 | $309 |
| Mercury | $269 | $334 |
| Direct Auto | $291 | $564 |
| Progressive | $315 | $463 |
| Safeco | $339 | $354 |
| Infinity | $344 | $482 |
| Dairyland | $359 | $625 |
| Foremost | $365 | $553 |
| GAINSCO | $382 | $530 |
| Bristol West | $411 | $587 |
| AssuranceAmerica | $459 | $766 |
| The General | $479 | $680 |
| National General | $542 | $565 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
Rates 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.
Florida car insurance FAQs
Learn more about shopping for car insurance and comparing quotes in Florida by checking out the answers to these frequently asked questions.
How much is car insurance in Florida?
The average cost of car insurance in Florida is $157 per month for liability insurance and $248 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, GEICO, and Allstate, while the cheapest liability-only insurers are State Farm, GEICO, 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.
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.
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 50+ 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
- 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.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "How to save money on car insurance."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Florida Department of Transportation. "Severe Weather Awareness."
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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.
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.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.
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