Cheapest Auto Insurance in Florida (2025)

The average cost of car insurance in Florida is $223 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.

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.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $84/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $144/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $135/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $146/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 $196/mo*
Overall rating 4.1 6,041 reviews	Overall rating 4.0 6,431 reviews	Overall rating 4.3 485 reviews	Overall rating 3.9 3,653 reviews	Overall rating 3.8 1,175 reviews	Overall rating 3.3 6,912 reviews
Value for money 3.8/5	Value for money 3.8/5	Value for money 4.0/5	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 4.1/5	Customer service 3.8/5	Customer service 3.8/5	Customer service 3.3/5
Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 4.4/5	Claims handling 3.9/5	Claims handling 4.1/5	Claims handling 3.5/5
Special highlight AI-generated from 6041 user reviews Customer service	Special highlight AI-generated from 6431 user reviews Teen drivers	Special highlight AI-generated from 485 user reviews Usage-based savings	Special highlight AI-generated from 3653 user reviews Accident forgiveness	Special highlight AI-generated from 1175 user reviews Bundling discounts	Special highlight AI-generated from 6912 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

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User Reviews	4.1 6,041 reviews
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.	$74/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.	$93/mo

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Driver Reviews

4.1

Best choiceBased on 11,260 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 (6,041)

Steven

June 30, 2025

Verified Review

Happy but Broke Now

State Farm is a great company that comes at a premium.

Tammi

June 29, 2025

Verified Review

State Farm is financially greedy

State Farm is ridiculously expensive!

Dorothy

June 28, 2025

Verified Review

State Farm for the average person

My agent is exceptional!

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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

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User Reviews	3.9 3,653 reviews
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.	$129/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.	$162/mo

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Driver Reviews

3.9

A solid optionBased on 6,851 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 (3,653)

David

June 28, 2025

Verified Review

Insurance

It's hard to get a hold of an agent. Agencies switched, resulting in a lot of back-and-forth phone calls.

Leeland

June 26, 2025

Verified Review

Frustrating

Don't use this company. A fire in California will raise your rates even if you don't live there.

Hope

June 25, 2025

Verified Review

Good

It's been fine until the rates went up without notification.

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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

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User Reviews	4.0 6,431 reviews
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.	$137/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.	$150/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 11,987 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 (6,431)

Deejane

June 30, 2025

Verified Review

Geico Forever

All good for over 50 years.

Joshua

June 30, 2025

Verified Review

GEICO has the best rates

Thank you for your service.

Amanda

June 28, 2025

Verified Review

GEICO

GEICO has the best rate for the coverage I need. Their customer service can be hit or miss, but for the most part, it has been good.

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Our Advice

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

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.

Low-cost car insurance in Florida 

Florida doesn’t have a state-backed program to provide assistance for car insurance payments for low-income drivers. 

But Florida drivers looking for low-cost car insurance can still find affordable options by shopping around, and comparing quotes and discounts from multiple companies.

Find Cheap Car Insurance in Florida

Liability rates start at $74 per month

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Cheapest liability-only car insurance quotes 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 $155 per month. See the cheapest companies for liability coverage in the table below.

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 $223 per month for full-coverage car insurance.

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

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 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.

Shop for Car Insurance in Florida

Rates start at $84 per month for drivers with an incident

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Cheapest car insurance quotes 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 $178 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, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Speeding Ticket
State Farm	$74	$87
Mile Auto	$115	$131
Allstate	$129	$152
GEICO	$137	$157
Travelers	$153	$183
Direct Auto	$155	$184
Progressive	$163	$193
Mercury	$165	$213
Infinity	$194	$236
Foremost	$204	$248
Root	$205	$260
Bristol West	$216	$259
GAINSCO	$233	$263
The General	$251	$314
Dairyland	$278	$329
AssuranceAmerica	$317	$361
Hugo	$396	$466
Liberty Mutual	$421	$512

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: 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 $197 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, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Accident
State Farm	$74	$93
Mile Auto	$115	$147
Allstate	$129	$163
GEICO	$137	$174
Travelers	$153	$195
Direct Auto	$155	$202
Progressive	$163	$212
Mercury	$165	$230
Infinity	$194	$242
Foremost	$204	$263
Root	$205	$267
Bristol West	$216	$275
GAINSCO	$233	$287
The General	$251	$331
Dairyland	$278	$352
AssuranceAmerica	$317	$381
Hugo	$396	$511
Liberty Mutual	$421	$543

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: 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 $190 for liability coverage and $274 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, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With DUI
State Farm	$74	$100
Mile Auto	$115	$155
Allstate	$129	$174
GEICO	$137	$168
Travelers	$153	$206
Direct Auto	$155	$209
Progressive	$163	$220
Mercury	$165	$226
Infinity	$194	$262
Foremost	$204	$275
Root	$205	$277
Bristol West	$216	$291
GAINSCO	$233	$314
The General	$251	$339
Dairyland	$278	$375
AssuranceAmerica	$317	$428
Hugo	$396	$534
Liberty Mutual	$421	$568

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: 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 $165 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, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
State Farm	$58	$74
Mile Auto	$89	$118
Allstate	$106	$133
GEICO	$119	$131
Progressive	$121	$170
Travelers	$122	$154
Direct Auto	$123	$215
Mercury	$138	$179
Infinity	$148	$208
Foremost	$175	$255
Root	$176	$286
Bristol West	$178	$241
GAINSCO	$196	$305
The General	$205	$254
Dairyland	$229	$418
AssuranceAmerica	$248	$356
Liberty Mutual	$356	$380

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: State Farm

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 $326 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, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
State Farm	$134	$169
Mile Auto	$228	$301
GEICO	$236	$259
Allstate	$243	$306
Progressive	$289	$407
Travelers	$290	$365
Direct Auto	$295	$517
Mercury	$299	$390
Root	$336	$546
Infinity	$347	$487
Bristol West	$374	$505
Foremost	$375	$546
The General	$413	$513
GAINSCO	$420	$653
Dairyland	$446	$815
AssuranceAmerica	$606	$868
Liberty Mutual	$731	$781

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.

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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. 

Florida car insurance FAQs