Compare Car Insurance Rates in Florida

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Florida Car Insurance: Buyer’s Guide

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  • Car insurance in Florida averages $142 per month for minimum-coverage policies and $333 each month for full coverage.
  • GEICO offers the lowest average prices in Florida for both minimum coverage and full coverage.
  • High-risk drivers with at-fault accidents, DUIs, and speeding tickets on their driving records often pay more for Florida car insurance.

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The cheapest car insurance in Florida typically comes from GEICO, with average rate estimates of $44 per month for minimum coverage. State Farm usually has the second-cheapest coverage for Florida drivers, making it a strong choice as well.

Our team considered cost data, coverage choices, customer reviews, and industry reputations to learn which companies offer the best car insurance in Florida. Using each provider’s average costs, we’ll reveal where you might find high-quality and affordable insurance in the Sunshine State.

Best Car Insurance Rates in Florida

GEICO, State Farm, and Travelers tend to offer the cheapest auto insurance rates in Florida. By getting quotes from various providers, you can determine which company has the lowest prices for your particular vehicle and insurance needs.

  • Our researchers used cost data from Quadrant Information Services to find insurance premium estimates for different coverage types, driver profiles, and cities in Florida. We used this data to determine the cheapest coverage options from quality car insurance providers, and you’ll find details in tables throughout the article.
  • To determine an overall rating for each top insurance company, our team considers not only affordability but also industry standing, availability, and coverage options. We then factor in the customer experience and online reviews to establish a numerical rating out of the highest possible score of 5.0.
  • Unless stated otherwise, estimates reflect the profile of a 40-year-old driver with a clean driving record and good credit history.
  • You’ll find detailed cost estimates in the sections below, but we’ve listed out the cheapest car insurance companies in Florida for a few driver profiles right here:
    • Cheapest full coverage: GEICO followed by Travelers
    • Cheapest minimum coverage: GEICO followed by State Farm
    • Cheapest for teen drivers: GEICO followed by State Farm
    • Cheapest for drivers with a traffic violation: State Farm followed by GEICO

Cheapest Car Insurance Companies in Florida

For Florida’s strongest mix of affordable coverage and high-quality plans, GEICO has the Sunshine State’s cheapest rates overall. Travelers received the highest overall scores of any company we researched.

Car Insurance ProviderOverall RatingAverage Monthly Rate: Minimum CoverageAverage Monthly Rate: Full CoverageNumber of Discounts
State Farm4.6$97$27516

Cheapest Car Insurance Coverage in Florida

The cheapest car insurance in Florida will almost certainly be some kind of minimum-liability coverage. While this will meet your state’s car insurance requirements, it won’t protect your own vehicle or take care of personal bodily injuries.

Getting a full-coverage auto insurance plan will likely cover your own car and medical bills instead of only those for other drivers. This will cost significantly more than minimum coverage but could save you money in the long-term, especially if you get involved in an at-fault accident.

Cheapest Minimum-Liability Car Insurance in Florida

The average rate estimate for a minimum-coverage policy in Florida is $142 per month or $1,707 per year. GEICO tends to offer the cheapest minimum-liability policies with estimates of $44 per month or $527 per year.

Car Insurance ProviderAverage Monthly Rate for Minimum CoverageAverage Yearly Rate for Minimum Coverage
State Farm$97$1,163
United Automobile$161$1,937

Cheapest Full-Coverage Car Insurance in Florida

In Florida, the average rate for full-coverage auto insurance is $333 per month or $3,991 per year. Overall, GEICO offers the cheapest average estimates for full-coverage insurance at $161 per month or $1,928 per year.

Car Insurance ProviderAverage Monthly Rate for Full CoverageAverage Yearly Rate for Full Coverage
State Farm$275$3,294
United Automobile$333$4,001

Florida Car Insurance Quotes by Driver Profile

Your coverage rates for car insurance in Florida will likely look different than our numbers indicate. That’s because auto insurance companies base individual premiums on several variables including age, driving record, and location in Florida.

car insurance cost factors

Cheapest Car Insurance in Florida: Age

Age is one of the first things that will affect the price of car insurance. Young drivers and especially teen drivers typically pay far more for auto coverage than those in other age groups. In the table below, you’ll find the average rate estimates for Florida drivers of different ages:

Driver AgeAverage Monthly Rate for Full CoverageAverage Annual Rate for Full Coverage

Cheapest Car Insurance in Florida: High-Risk Drivers

Driving history is another key component towards Florida auto insurance rates, as those with clean driving records often get cheaper car insurance rates. Any at-fault accidents or traffic violations such as speeding tickets will usually result in higher premiums.

How much your driving record impacts your monthly cost varies by car insurer. Below is a list of the top insurers in Florida and their average minimum-coverage rates for good drivers versus those marked as high-risk drivers.

Car Insurance ProviderAverage Monthly Rate for Clean Driving RecordsAverage Monthly Rate for High-Risk Drivers
State Farm$55$62
National General$117$141
United Automobile$169$264
*Costs taken from 2022

Car Insurance Rates in Florida: Speeding Ticket

A single speeding ticket can cause premiums to skyrocket. For Florida drivers, GEICO tends to offer the cheapest car insurance after a speeding ticket with an average rate estimate of $287 per month or $3,444 per year. State Farm also offers extremely competitive rates for drivers whose recent driving history includes a speeding ticket.

Car Insurance ProviderAverage Monthly Rate After a Speeding TicketAverage Yearly Rate After a Speeding Ticket
State Farm$294$3,531
United Automobile$419$5,033

Car Insurance Rates in Florida: At-Fault Accident

Higher rates can also be expected if a driver is found at fault for a car accident. GEICO generally offers the cheapest coverage for Florida drivers with a recent accident, with an average rate estimate of $235 per month or $2,825 per year. State Farm and Travelers have relatively inexpensive coverage for drivers with an at-fault accident as well.

Car Insurance ProviderAverage Monthly Rate After an At-Fault AccidentAverage Yearly Rate After an At-Fault Accident
State Farm$316$3,790
United Automobile$425$5,095

Car Insurance Rates in Florida: DUI

A violation for driving under the influence (DUI) is a serious offense and can cause auto insurance premiums to increase substantially. For Florida motorists with a DUI on their record, State Farm offers average estimates of $294 per month or $3,531 per year. GEICO and Progressive also offer some of the more affordable premiums for these drivers.

Car Insurance ProviderAverage Monthly Rate After a DUIAverage Yearly Rate After a DUI
State Farm$294$3,531
United Automobile$559$6,703

Average Cost of Car Insurance in Florida

The average cost of car insurance in Florida comes out to $1,707 per year for minimum-liability insurance and $3,991 annually for full coverage. These rates are about 56% higher than the national average for minimum coverage and 71% higher than the national rate for full coverage.

Average Car Insurance Cost in Florida by City

Your location within Florida can significantly impact the auto insurance premiums you’ll pay. Potential risk factors such as population density, crime rates, and weather patterns vary between ZIP codes, and you can expect car insurance rates to as well. The table below shows the average rates for car insurance in Florida’s largest cities.

Cities in FloridaAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage
Boca Raton$121$299
West Palm Beach$128$327
Cape Coral$88$216
Fort Lauderdale$120$295
Boynton Beach$137$318
Coral Springs$118$288

Florida Minimum Car Insurance Coverage

According to Florida law, all drivers must either meet or exceed the following minimum coverage requirements:

  • $10,000 personal injury protection
  • $10,000 property damage liability per accident

While Florida does not technically require bodily injury liability coverage, that does not mean you can expect to get away scot-free without it. Most people will opt into some form of bodily injury coverage for at least $10,000 per person and $20,000 per accident as part of their minimum coverage requirement.

While both liability insurance and uninsured motorist coverage are important, they can’t protect against everything. Both insurance agents and experts recommend upgrading beyond state minimum-coverage policies. Higher limits could save you large amounts of money in out-of-pocket expenses after an accident.

If you have collision coverage and comprehensive coverage, you’ll be safe from covering repair costs to your own vehicle after thefts, vandalism, a car accident, or severe weather. Other types of coverage such as personal injury protection (PIP) and medical payments coverage (MedPay) could also cover potential medical bills.

Cheap Car Insurance in Florida: Conclusion

The cheapest car insurance in Florida often comes from GEICO, which has average rates of $44 per month. It’s important to compare auto insurance quotes from various providers, to find the most affordable coverage.

You may also want to consider the protection of a full-coverage policy. The best rates we found for full coverage came in as low as $161 per month from GEICO. More coverage generally means higher premiums, but also more financial protection and peace of mind.

Best Car Insurance in Florida: Recommended Providers

While certain companies are known to offer reasonable premiums to Florida drivers, getting car insurance quotes from various providers is how you find the best rates available. We recommend considering GEICO and State Farm as you begin your search for the best auto insurer due to their excellent balance between affordable and quality coverage.

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GEICO: 4.4 out of 5.0

GEICO typically provides the cheapest car insurance in Florida for both full-coverage and minimum-coverage plans. For those who are eligible, GEICO may be your best option for saving money on car insurance.

State Farm: 4.6 out of 5.0

The price estimates for State Farm car insurance in Florida were extremely competitive, nearly matching those from GEICO. Combined with the company’s reputation and financial strength, makes it an excellent option for those seeking coverage in the Sunshine State. For safe driving discounts, State Farm leads the way with 16 choices for Florida motorists.

Cheapest Auto Insurance in Florida: FAQ

Which company gives the cheapest car insurance?

State Farm generally offers the cheapest car insurance when it comes to national averages. Drivers in Florida tend to receive their lowest premiums from GEICO and State Farm.

How much is car insurance per month in Florida?

The average cost of car insurance per month in Florida is $142 for a minimum-coverage policy and $333 for full coverage. Our team found rates in Florida as low as $44 per month for minimum coverage and $161 for a full-coverage policy.

How much is car insurance on average in Florida?

Car insurance in Florida averages out to $1,707 per year for minimum coverage and $3,991 annually for full-coverage policies.

Is it illegal to drive without insurance in Florida?

Yes, it is illegal to drive without no-fault insurance in Florida. Expect to receive a misdemeanor if you’re caught driving without coverage and current registration. It’s possible that you could be fined, lose permission to drive, or even face a short time in prison.

Is it cheaper to pay car insurance every six months or monthly?

You’ll typically get charged less if you pay your car insurance policy every six months. Many auto insurers give discounts for paying policies upfront, though this savings opportunity isn’t universally offered.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

*Data accurate at time of publication.

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