Cheapest Car Insurance for Low-Income Drivers in Florida (2026)

Shopping for car insurance on a low-income budget can be challenging — especially if you live in a state like Florida with above-average insurance premiums. 

Florida doesn’t have any state-sponsored programs to help low-income drivers get car insurance. But plenty of top insurers offer affordable rates in Florida well below the state’s average rates, meaning you can likely find ways to save money.

Here’s what you should know about the cheapest car insurers in Florida and how to secure affordable coverage on a budget.

Cheapest car insurance in Florida

The average cost of Florida car insurance is $176 per month, but you can find policies for less than $95 per month.

Plenty of insurers offer both liability and full-coverage policies at considerably cheaper rates than the state average, offering plenty of opportunities for low-income drivers to save money. Additionally, many insurers offer discounts that can lower your premiums even more.

Here’s a look at the cheapest car insurance companies in Florida.

The below national rates are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Average Quote: Liability Only
Progressive	$95
Mile Auto	$103
State Farm	$103
Clearcover	$104
GEICO	$117
Dairyland	$121
Embark	$131
Infinity	$133
Direct Auto	$148
Mercury	$148
GAINSCO	$151
The General	$159
Bristol West	$171
Allstate	$179
Root	$180
AssuranceAmerica	$182
National General	$182
Travelers	$213
Insurify Car	$236
Hugo	$251
Mendota	$278
First Acceptance	$290
Liberty Mutual	$291
Liberty Mutual	$291

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.

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Best car insurance for drivers with a low income in Florida

If you’re shopping for car insurance on a budget, it’s more important than ever to shop around for the best rates. Liability insurance is the cheapest type of car insurance you can buy. While it doesn’t offer as much coverage as other policies, it comes at a considerably lower price.

State Farm, GEICO, and Mile Auto are some of the best companies for liability coverage in Florida. Here’s how these companies compare.

State Farm: Best for cheap rates

cheap rates

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User Reviews	4.1 16,973 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.	$53/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.	$109/mo

Details

Driver Reviews

4.1

Best choiceBased on 16,973 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.7	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing recent national reviewsSee all 7,371 State Farm reviews

Mary

Verified Review

High 5 to State Farm

Reviewed in Florida on April 12, 2026

I have had great customer service since I joined them almost 2 years ago, and the rate I pay is cheaper than every other insurance company that claims to be able to get me a cheaper rate. If it ain't broke, don't fix it.

Norma

Verified Review

Insured

Reviewed in Florida on April 12, 2026

It's okay, but I can only afford state-required coverage.

Catherine

Verified Review

Expensive

Reviewed in Florida on April 8, 2026

They keep raising their rates regardless of how long you have been insured by them.

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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.

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

State Farm offers the cheapest overall rate for most drivers in Florida. In addition to its already low premiums, State Farm offers a discount program for safe drivers, Drive Safe & Save, which can help you save an additional 30%.

State Farm also ranks among the top companies for both claims satisfaction and overall customer satisfaction in J.D. Power’s 2024 studies, showing its proven track record with customers.

Pros

• Cheap rates for most drivers

• Rideshare insurance available

• High J.D. Power customer satisfaction rating in Florida

Cons

• Fewer available discounts than competitors

• No gap insurance or accident forgiveness

• Higher rates for drivers with violations

GEICO: Best for teen drivers

teen drivers

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User Reviews	4.2 17,214 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.	$80/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.	$149/mo

Details

Driver Reviews

4.2

Best choiceBased on 17,214 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.7	2.9
Policy transparency	4.0	3.1
Value	3.7	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Teen drivers

Cheap rates

Accident forgiveness

Showing recent national reviewsSee all 7,595 GEICO reviews

Jan

Verified Review

Good service at a cost

Reviewed in Florida on April 12, 2026

Good service, but too expensive.

Kathleen

Verified Review

Too much money

Reviewed in Florida on April 10, 2026

Too much money. I've never had an accident, and they keep raising my rates.

Julie

Verified Review

Goodbye Geico!

Reviewed in Florida on April 7, 2026

Not sure why I had to pay so much (around $135/month) for the minimum coverage (PIP). That is why I shopped around and finally switched to Progressive, which is slightly cheaper.

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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

GEICO offers some of the cheapest rates for teen drivers in Florida, making it a great option for families looking to add a teen to their policy or for teens shopping for their own policy.

GEICO also offers more discounts than most insurers, including some geared toward teens and young drivers. For example, young drivers can save with GEICO’s good student discount, student away at school discount, driver training discount, or defensive driving course discount.

Pros

• Low rates for teen drivers

• Many available discounts

• Accident forgiveness available

Cons

• Below-average J.D. Power claims satisfaction score

• Fewer optional coverages than many insurers

• Fewer local agents than many companies

Mile Auto: Best for low-mileage drivers

low-mileage drivers

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User Reviews	4.2 195 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.	8.8 /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.	$73/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.	$129/mo

Details

Driver Reviews

4.2

Best choiceBased on 195 verified driver reviews and ratings

	Mile Auto's score	Industry average
Coverage options	3.7	3.2
Customer service	3.7	3.6
Discounts	3.3	2.9
Policy transparency	3.4	3.1
Value	3.4	2.9

How drivers feel about Mile Auto

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

Based on analysis of verified reviews collected by Insurify

---

Best For

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviewsSee all 66 Mile Auto reviews

Olanrewaju

Verified Purchase

Reasonable coverage.

Reviewed in Georgia on March 17, 2026

So far, it has been very good.

Leroy

Verified Review

Why was I canceled?

Reviewed in Texas on February 9, 2026

1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.

Ronald

Verified Purchase

Monthly Insurance for the Price of Takeout

Reviewed in Ohio on January 11, 2026

I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Mile Auto offers pay-per-mile insurance, which means your premiums are based on your actual mileage. You’ll pay a low base rate, and if you don’t use your vehicle, this is all you’ll pay, aside from an additional per-mile rate.

Remote workers and others who drive infrequently can save a lot on their premiums using this system. Additionally, unlike many other pay-per-mile programs, Mile Auto doesn’t collect your driving data. Instead, you simply have to submit a photo of your odometer once per month.

Pros

• Savings for low-mileage drivers

• No required tracking device

• Minimal base rate when you’re not driving

Cons

• Higher rates for high-mileage drivers

• Few optional coverages

• No available discounts

Cheapest car insurance for drivers with poor credit in Florida

Drivers with poor credit tend to pay higher insurance premiums. Insurers believe there’s a correlation between credit history and insurance claims, and that drivers with poor credit may be more likely to file claims. It’s one of several indicators of risk that insurers use.^[1]

While some states prohibit car insurance companies from using credit to set rates, Florida isn’t one. As a result, your credit history could affect your rates.

The table below shows the effect your credit history can have on your insurance rates, as well as some of the cheapest insurance companies if you have poor credit.

The below national rates are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Average Liability Quote: Good Credit	Average Liability Quote: Poor Credit
Progressive	$90	$119
State Farm	$99	$149
Clearcover	$99	$129
Mile Auto	$100	$127
GEICO	$111	$145
Dairyland	$115	$150
Embark	$124	$164
Infinity	$127	$164
Direct Auto	$141	$183
Mercury	$143	$181
GAINSCO	$144	$187
The General	$151	$196
Bristol West	$166	$211
AssuranceAmerica	$173	$225
National General	$173	$225
Root	$174	$222
Allstate	$174	$221
Travelers	$203	$263
Insurify Car	$224	$295
Hugo	$239	$310
Mendota	$264	$348
First Acceptance	$276	$363
Liberty Mutual	$280	$349
Liberty Mutual	$280	$349

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.

State-sponsored car insurance in Florida

Unlike a handful of other states, Florida doesn’t have a state-sponsored car insurance program to help low-income or high-risk drivers get coverage. If you’re on a limited income and can’t afford the state’s average insurance premiums, you’ll have to resort to other options to help lower your rates.

The good news is you still have plenty of ways to save. The best way to find lower premiums is simply to shop around for your insurance coverage. Get quotes from several different insurers and choose the cheapest one that fits your needs. While you’re shopping, purchasing liability-only coverage rather than full coverage can help you get the lowest rates.

Other ways to save include taking advantage of insurer discounts, reducing your coverage limits, or, if you don’t drive often, opting for pay-per-mile coverage.

Car insurance discounts for low-income drivers in Florida

Car insurance discounts are an excellent way to lower your insurance premiums, even if you already have low rates. While insurers don’t usually offer discounts specifically for low-income drivers, you can take advantage of plenty of other discounts to lower your insurance rates.^[2]

Here are some of the most common things you can get a car insurance discount for:

• Bundling your home and auto insurance

• Insuring all your vehicles on one policy

• Driving a vehicle with certain safety features or high safety ratings

• Being a safe driver

• Being associated with certain affinity groups

• Having a good student on your policy

• Staying with the same insurer for several years

• Setting up automatic payments

• Paying your full policy premium up front

This is just a small sample of the types of insurance discounts that may be available. You can typically find a complete list on each insurer’s website or talk to an agent to see what you qualify for.

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Minimum car insurance requirements in Florida

Florida requires all drivers to have a minimum amount of insurance. Florida is a no-fault insurance state, but it has some unique stipulations.

If you’re in an accident in Florida, the at-fault driver is responsible for paying for any property damage other parties sustain and must carry property damage liability (PDL) coverage.

But each driver is responsible for their own injuries. For that reason, rather than requiring bodily injury liability insurance, Florida requires everyone to have personal injury protection (PIP). The minimum required coverage for both PDL and PIP is $10,000.^[3]

It’s important to note that Florida’s insurance requirements are quite low. So, opting for only the minimum coverage could actually cost you more money in the long run if you’re at fault for an accident with significant damage.

For example, if you have the minimum $10,000 of PDL but cause an accident with $50,000 of damage, you could be personally responsible for the remaining $40,000. It may be more cost-effective to opt for slightly higher coverage limits to avoid higher costs later on.

Low-income car insurance FAQs