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Licensed property and casualty insurance agent
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NPN: 20461358
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Cheapest car insurance company in Florida: Progressive
Cheapest car insurance rate in Florida: $78/month
Average monthly liability-only car insurance cost in FL: $137/month
Average monthly full-coverage car insurance cost in FL: $235/month
Insurify analyzed quotes from top car insurance companies for Florida drivers with clean driving records, good credit, and standard liability limits. Age, driving record, and location can greatly affect your car insurance cost, but several insurers consistently offer lower-than-average premiums across the state.
The cheapest insurance companies in Florida are: Progressive, State Farm, and Mile Auto.
Below you can see a list of the insurance companies that offer the most affordable car insurance in Florida.
Car insurance prices in Florida vary significantly by insurer, with liability rates ranging from $78 to $228 per month and full coverage rates from $129 to $347 per month. Progressive has the cheapest liability coverage at $78 per month, while State Farm offers the lowest full coverage rate at $129, compared with Florida averages of $137 for liability and $235 for full coverage.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Progressive | $78 | $140 |
| State Farm | $80 | $129 |
| Mile Auto | $84 | $157 |
| Clearcover | $85 | $206 |
| GEICO | $92 | $186 |
| Dairyland | $102 | $313 |
| Embark | $105 | $254 |
| Infinity | $111 | $254 |
| Direct Auto | $119 | $202 |
| GAINSCO | $120 | $281 |
| Mercury | $120 | $179 |
| The General | $127 | $239 |
| Bristol West | $136 | $212 |
| AssuranceAmerica | $139 | $252 |
| Allstate | $140 | $223 |
| National General | $143 | $188 |
| Root | $154 | $278 |
| Travelers | $166 | $266 |
| Mendota | $224 | $347 |
| First Acceptance | $228 | $330 |
| Liberty Mutual | $228 | $296 |
More than 400 companies sell car insurance in Florida, according to Florida Office of Insurance Regulation data. To help you find the best car insurance in Florida, Insurify gathered user reviews from verified Florida drivers. We also reviewed companies based on insurer financial-strength ratings from AM Best, complaint data from the National Association of Insurance Commissioners, and customer satisfaction studies from J.D. Power.
| 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. | $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. | $129/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
State Farm remains one of the strongest choices for Florida drivers looking for robust auto insurance coverage and local agent support. State Farm has offices in more than 230 Florida cities.[1] The insurer stands out in a state with high accident frequency and severe weather risk because it maintains a broad network and earns strong claims satisfaction scores.
Large agent network across Florida
Reliable claims satisfaction scores[2]
Rates can rise sharply after an at-fault car accident
Limited savings for high-risk drivers
Gap insurance coverage is not available
| 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. | 9.2 /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. | $92/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. | $186/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
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.
GEICO consistently offers some of the lowest car insurance quotes in Florida for drivers who want basic liability coverage. Its digital tools and streamlined quoting process appeal to drivers who focus on affordability.
Competitive minimum-coverage pricing
Strong mobile app and online tools
Multiple discounts for federal employees and military members
Fewer local offices than some competitors
Customer service reviews vary by region
Limited personalized support
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 587 |
|---|---|
| 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. | 8.7 /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. | $78/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. | $140/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Nearly 8% of Florida drivers have an incident like a ticket, accident, or driving under the influence (DUI) conviction on their records, all of which can increase car insurance costs.
Fortunately, Progressive offers a wide range of discounts and usage-based programs that help Florida drivers lower their auto insurance premiums. If you have a mixed driving history, you may also find more flexible underwriting compared to some competitors.
Strong telematics and safe-driving discounts
Competitive rates for drivers with previous violations
Wide selection of policy options
Snapshot tracking program may increase rates for risky driving
Deductibles and coverage options can be confusing
Some drivers pay higher-than-average rates
| User Reviews | 4.5 |
|---|---|
| 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. | 8.6 /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. | $243/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. | $442/mo |
Amica's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 3.6 | 2.9 |
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
Amica stands out in Florida for strong customer service ratings and claims satisfaction scores. Florida vehicles can be vulnerable to hurricane-related claims, like those for flood damage. Amica’s strong claims handling could be especially helpful for Florida drivers dealing with severe-weather claims.
Excellent customer service reputation
Strong claims communication
High customer retention rates
Higher premiums than some other insurers
Fewer discount opportunities
Limited availability for some high-risk drivers
To identify the four best car insurance companies for Florida drivers, we evaluated 200-plus regional and national companies. We analyzed thousands of user reviews from verified Insurify customers to identify which companies provided the best overall experience, claims and customer satisfaction, and overall value.
Whenever available, we considered scores and rankings from third-party organizations, such as AM Best and J.D. Power. We assessed multiple data points to rate affordability, coverage options, available discounts, customer satisfaction, and financial strength.
Florida drivers pay above the national average for auto insurance. Full-coverage car insurance in Florida averages $235 per month, while liability-only coverage averages $137 per month. For comparison, the national average for full coverage is $186 per month, and liability coverage averages $98 per month.
Multiple metro areas with heavy traffic, hurricane and flood exposure, elevated vehicle theft rates, and a high rate of uninsured motorists can all drive up insurance costs for Florida drivers. Florida is also a no-fault insurance state and requires drivers to carry personal injury protection (PIP) coverage.[3]
Your location in Florida can significantly affect your car insurance rates. Drivers in heavily populated metro areas like Miami and Tampa often pay higher premiums due to heavy traffic congestion, elevated vehicle theft rates, and greater exposure to hurricanes and flooding.
South Florida also consistently ranks among the state’s most expensive regions for insurance due to costly claims and litigation. Meanwhile, drivers in smaller inland communities may pay less because they generally face lower traffic density, reduced storm-surge exposure, and fewer theft-related claims.
Miami regularly ranks among the nation’s most congested cities.
Coastal counties have higher hurricane and flooding exposure.
Inland North Florida communities generally experience lower catastrophe exposure than South Florida coastal metros.
Here you can see how average car insurance rates vary across numerous cities in Florida.
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Milton | $90 | $188 |
| Venice | $93 | $166 |
| Vero Beach | $95 | $204 |
| Panama City | $103 | $193 |
| Saint Augustine | $105 | $185 |
| North Port | $106 | $187 |
| Port Orange | $108 | $193 |
| Gainesville | $110 | $200 |
| Jupiter | $110 | $211 |
| Palm Coast | $110 | $203 |
| Punta Gorda | $110 | $179 |
| Eustis | $112 | $195 |
| Pensacola | $112 | $204 |
| Melbourne | $113 | $201 |
| Sarasota | $113 | $194 |
| Naples | $114 | $208 |
| Tallahassee | $116 | $211 |
| Coral Springs | $120 | $243 |
| Winter Springs | $120 | $219 |
| Cocoa | $122 | $200 |
| Ocala | $122 | $209 |
| Oviedo | $122 | $234 |
| Palm Bay | $122 | $211 |
| Winter Haven | $122 | $239 |
| Bradenton | $123 | $218 |
| Cape Coral | $123 | $208 |
| Daytona Beach | $123 | $226 |
| Lakeland | $123 | $222 |
| Largo | $124 | $205 |
| Clermont | $125 | $226 |
| Clearwater | $127 | $217 |
| Plant City | $127 | $244 |
| Port Saint Lucie | $129 | $213 |
| Orange Park | $130 | $231 |
| Davenport | $131 | $240 |
| Fort Myers | $131 | $219 |
| Saint Cloud | $131 | $224 |
| Sanford | $131 | $221 |
| Saint Petersburg | $134 | $233 |
| Jacksonville | $135 | $233 |
| Spring Hill | $136 | $247 |
| Apopka | $138 | $238 |
| Pinellas Park | $138 | $229 |
| Palm Harbor | $139 | $227 |
| Altamonte Springs | $143 | $237 |
| Wesley Chapel | $143 | $271 |
| Wellington | $144 | $268 |
| New Port Richey | $145 | $247 |
| Palm Beach Gardens | $145 | $237 |
| Deltona | $147 | $244 |
| Miami Beach | $153 | $278 |
| Orlando | $154 | $252 |
| Kissimmee | $155 | $246 |
| North Miami Beach | $155 | $273 |
| Riverview | $155 | $272 |
| Homestead | $156 | $274 |
| Boca Raton | $158 | $264 |
| Holiday | $159 | $292 |
| Brandon | $163 | $258 |
| Hollywood | $165 | $264 |
| Fort Lauderdale | $167 | $262 |
| Pompano Beach | $171 | $259 |
| Deerfield Beach | $175 | $273 |
| West Palm Beach | $175 | $262 |
| Miami | $179 | $287 |
| Tampa | $181 | $291 |
| Hialeah | $185 | $281 |
| Lake Worth | $187 | $273 |
| Delray Beach | $188 | $281 |
| Miami Gardens | $198 | $329 |
| Boynton Beach | $206 | $291 |
Drivers in South Florida cities often pay among the state’s highest insurance premiums due to heavy traffic congestion, hurricane and flood exposure, elevated vehicle theft rates, and Florida’s costly litigation environment.
Car insurance rates in Florida can vary dramatically between insurers, even for drivers with nearly identical profiles. Some insurance companies may place more emphasis on your driving history or prior claims, while others may weigh factors such as ZIP code, hurricane exposure, vehicle theft rates, and traffic congestion more heavily.
Drivers in cities like Miami, Tampa, and Orlando often see much higher premiums than drivers in smaller inland communities because of heavier traffic, weather-related risks, and more expensive claims environments.
That’s why comparing auto insurance quotes from multiple companies is especially important in Florida. Shopping around can help you find the right balance between price, coverage, deductibles, and customer service.
To get the most accurate Florida car insurance quotes, you should:
Use the same coverage limits and deductibles across every quote so you can compare insurers fairly.
Include all licensed household drivers, which is especially important for multi-driver households, common in Florida.
Be honest about annual mileage, commuting patterns, and seasonal driving habits if you split time between Florida and another state.
Compare both minimum liability coverage and full coverage, since Florida’s minimum requirements may not fully protect you after a serious accident.
Ask about discounts for bundling auto and homeowners insurance, which can be valuable in a state with high property insurance costs.
Review comprehensive coverage carefully to understand protection for hurricanes, flooding-related damage, theft, and falling debris.
Ask insurers whether telematics or safe-driving programs could help offset Florida’s high premiums.
Compare the entire policy — including claims service, rental reimbursement, and uninsured motorist coverage — not just the monthly premium.
Check quotes from 120+ top insurance companies
Florida law requires you to carry minimum levels of liability insurance and PIP coverage before you can register a vehicle.[3]
Unlike most states, Florida doesn’t legally require you to carry standard bodily injury liability for basic vehicle registration. But if you cause an accident, you’re still financially responsible for any injuries. Many drivers choose to purchase higher, more comprehensive limits because of this risk.
The Florida Department of Highway Safety and Motor Vehicles requires you to maintain continuous coverage for registered vehicles. This is true even if you’re not driving the vehicle or if it’s inoperable.
Required Coverage | Florida Minimum Limit |
|---|---|
| Personal injury protection (PIP) | $10,000 |
| Property damage liability (PDL) | $10,000 |
If you’re looking to lower your insurance costs in Florida, you can do a number of things to make yourself more appealing to insurers.
First, Florida allows insurers to use a credit-based insurance score during the quoting process. So improving your credit score can improve your insurance scores. From there, you should work to maintain a clean driving record, as accidents, speeding tickets, and other violations can cause you to pay more for car insurance.
You can also make your car insurance more affordable by:
Raising your deductible if you can afford the higher out-of-pocket cost
Bundling your auto insurance with homeowners or renters coverage
Asking about available discounts. Don’t just assume they’re all on the website.
Shopping for new quotes at least once per year
Considering usage-based insurance programs
Avoiding unnecessary claims for minor damage
Your age, credit, and driving history greatly affect Florida car insurance rates. These articles will provide you with more information on finding affordable car insurance in Florida based on your driver profile.
Car insurance in Florida for teen drivers
Car insurance for 16-year-old Florida drivers
Car insurance for 18-year-old Florida drivers
How to get a Florida driver’s license
Car insurance for senior Florida drivers
Bundling home and auto insurance in Florida
Antique car insurance in Florida
Comprehensive car insurance for Florida drivers
Full-coverage car insurance in Florida
Florida gap insurance coverage
Liability-only car insurance for Florida drivers
Non-owner car insurance in Florida
Personal injury protection (PIP) in Florida
Rideshare insurance for Florida Lyft and Uber drivers
SR-22 car insurance for Florida drivers
The average cost of car insurance in Florida
Florida car insurance with bad credit
Best car insurance companies in Florida
Driving with a foreign license in Florida
Working with a car insurance broker in Florida
Car insurance discounts for Florida drivers
Car insurance after a DUI in Florida
Car insurance for high-risk drivers in Florida
How long an insurer has to investigate an auto claim in Florida
How to get car insurance in Florida
Florida’s no-fault car insurance laws
Car insurance for low-income drivers in Florida
State minimum car insurance requirements in Florida
Florida accident with an uninsured, at-fault driver
What happens when someone else has an accident driving your car in Florida
Florida auto insurance premiums have increased steadily in recent years, according to Insurify’s most recent car insurance report. Rising repair costs, medical expenses, severe weather claims, and litigation trends all drove premiums higher during 2025.
Insurify data analysts expect rate increases to lessen in 2026. But insurers still feel pressure from hurricane exposure, repair cost inflation, and growing claims tied to flooding and severe storms.
State Name | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Florida | 2,169 | 2,163 | 2,159 | 2,160 | 2,163 | 2,173 | 2,173 | 2,174 | 2,182 | 2,185 | 2,199 | 2,214 | 2,223 | 2,227 | 2,235 | 2,241 | 2,249 | 2,265 | 2,278 | 2,293 | 2,328 | 2,358 | 2,398 | 2,452 | 2,522 | 2,582 | 2,619 | 2,645 | 2,670 | 2,692 | 2,711 | 2,741 | 2,758 | 2,785 | 2,834 | 2,879 | 2,904 | 2,909 | 2,887 | 2,854 | 2,836 | 2,827 | 2,810 | 2,788 | 2,730 | 2,710 | 2,711 | 2,720 | 2,705 | 2,694 | 2,709 | 2,701 | 2,680 | 2,663 | 2,660 | 2,703 | 2,724 | 2,738 | 2,771 | 2,803 | 2,817 |
| United States | 1,556 | 1,551 | 1,553 | 1,555 | 1,557 | 1,562 | 1,565 | 1,567 | 1,568 | 1,572 | 1,578 | 1,591 | 1,602 | 1,608 | 1,612 | 1,618 | 1,624 | 1,632 | 1,640 | 1,650 | 1,665 | 1,689 | 1,719 | 1,758 | 1,802 | 1,850 | 1,887 | 1,919 | 1,956 | 1,984 | 2,006 | 2,036 | 2,076 | 2,128 | 2,194 | 2,240 | 2,299 | 2,342 | 2,368 | 2,389 | 2,386 | 2,373 | 2,370 | 2,361 | 2,350 | 2,365 | 2,366 | 2,366 | 2,354 | 2,341 | 2,317 | 2,285 | 2,256 | 2,227 | 2,214 | 2,221 | 2,222 | 2,224 | 2,232 | 2,238 | 2,236 |
Florida drivers face unique insurance challenges stemming from congested roads, weather-related disasters, and frequent claims, all of which affect the insurance market. As you look for your next insurance policy, keep the following information in mind.
Progressive offers the cheapest car insurance quotes in Florida, on average. But the best insurer for you depends on your driving record, location, age, and coverage preferences. That’s why it’s important to compare quotes from several insurers.
Florida drivers pay high car insurance costs because of severe weather risks, heavy traffic, and high rates of car theft and uninsured drivers.
Most insurers ask for your driver’s license number, vehicle information, address, driving history, and desired coverage levels to generate an accurate auto insurance quote. Some may ask for more or less information.
Full coverage generally combines liability, collision, and comprehensive coverage. It provides all the coverage of liability insurance, but it also covers your vehicle if it suffers damage from accidents, theft, storms, vandalism, or other covered events.
Florida drivers must carry PIP and property damage liability coverage at a minimum. Many drivers also choose bodily injury liability and full coverage for additional financial protection.
Insurify data scientists analyzed more than 190 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:
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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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
