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Minimum Car Insurance Requirements in Florida; Cheapest Insurers by Quote & Age, Plus Average Price by City

Here you are going to find a detailed study of the cheapest auto insurance carriers in Florida.

Overall the least expensive are Florida Farm Bureau, USAA, and Travelers.

Depending on the city you reside in and your age, each of the insurers are going to be 12% to 26% lower than the average premium rate.

In the meantime, I am going to dive into the minimum requirements and other factors which may help you get a lower premium to maximize your savings.

If you would like to skip to a certain portion of the article use the table of contents down a little and to the right. 

Best price premium choices for 25 y/o.Florida is a no-fault state and their minimum requirements are lower than average which are as follows:

Car Insurance Minimum Requirements in Florida

CoverageFlorida Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$10,000 / $20,000$100,000 / $200,000
Property Damage$10,000$50,000
Personal Injury Protection$10,000$100,000 / $200,000
Uninsured MotoristN/A$100,000 / $200,000
Comprehensive CoverageN/A$250 deductible
Collision CoverageN/A$500 deductible

Bodily Injury Liability

Bodily injury liability minimum for a single person is $10,0000 and up to $20,000 dollar if the passenger in the other vehicle is injured.

Cheapest premium price comparison for 30 y/o.Property Damage Liability

$10,000 of property damage liability is required to cover any physical damages to the other automobile, and other private and non-private property that’s damaged.

Florida would be listed as 10 / 20 / 10 minimum coverage plus PIP coverge to be legal to drive.

Who has the Cheapest Auto Insurance in Florida?

Below is a table list of 21 of the most affordable carriers from 25 to 55 years of age.

The least expensive carriers in Florida is FL Farm Bureau, USAA, Travelers, and State Farm. 

Florida Farm Bureau offers competitive quotes 31% lower than the state average.

USAA is competitive for all drivers through the age spectrum. With policy’s 28% lower than average.

However only former military, spouses, or children of former military are able to get a policy through them.

Travelers offers quotes 26% lower than the “mean” rate in Florida.

State Farm offers quotes 25% lower than the average premium.

Company25 Y/O30 Y/O35 Y/O40 Y/O45 Y/O55 Y/O
Florida Farm Bureau $1,505$1,298$978$812$654$398
USAA$1,533$1,321$995$822$612$412
Travelers$1,554$1,343$1,032$843$649$444
State Farm$1,632$1,345$1,055$838$666$413
Auto-Owners$1,654$1,376$1,087$837$676$416
Hartford$1,721$1,387$1,100$867$712$437
GEICO$1,748$1,390$1,121$900$732$543
21st Century$1,788$1,421$1,132$912$711$567
Progressive$1,790$1,433$1,165$932$743$564
Esurance$1,800$1,519$1,141$944$769$568
Liberty Mutual$1,801$1,489$1,144$932$770$570
Safeco$1,822$1,498$1,176$965$778$578
MetLife$1,832$1,548$1,180$998$780$600
The General$1,865$1,555$1,190$987$812$602
Allstate$1,887$1,568$1,231$1,003$832$612
Infinity Auto$1,887$1,589$1,236$1,009$799$618
Direct General$1,911$1,600$1,250$1,012$805$617
Ameriprise$1,922$1,621$1,265$1,032$809$620
Ocean Harbor $1,932$1,626$1,287$1,043$833$658
United Automobile$2,043$1,648$1,300$1,056$839$690
Windhaven$2,166$1,750$1,387$1,087$837$702
Bristol West$2,233$1,912$1,459$1,150$865$714

Personal Injury Protection Coverage

Since Florida is a “no-fault” state they require drivers to carry Personal Injury Protection or (PIP) insurance.

PIP insurance is going to cover the costs of doctor bills or the loss of wages from not being able to work.

As with other states there are exceptions to the rule for PIP insurance.

And there is a significant amount of PIP fraud in Florida.

If the amount of damages or medical costs are exorbitant then the other party is able to bring the “at-fault” driver to court for the financial loss.

Uninsured Motorist Protection

Florida has a high uninsured motorist rate.

It would be a good idea to consider uninsured motorist cover in the unlikely event you are in an accident with a driver who does not have insurance or adequate amount to cover the expenses.

Least expensive policy choices for 35 y/o driver.

Florida is another state with an extremely high amount of drivers in cities with high population such as Miami, Jacksonville, Tampa, Orlando, and Pensacola.

Not only state residents, but also those who travel to the state.

Cheapest policy choices for 40 y/o driver in Florida.

Comprehensive & Collision Coverage

Comprehensive and collision cover is recommended by the state particularly if you have a newer vehicle.

Comprehensive is going to protect your vehicle in all “non-collision” type of accidents.

Comprehensive is also known as “non-collision” coverage.

Collision coverage will protect the vehicle if you have an accident with a road sign or another non-vehicular object.

Lowest price points for an auto policy for 45 y/o.

Average Premium Rate by City in Florida

Below is a table list of the average quote by city.

The average insurance premium in Florida is approximately $1,200 per month.

Included in the table is the percentage amount above or below the premium.

One thing you will notice is the big variance in premium cost from city to city.

If, perhaps, you move you may see an increase (or decrease) in your premium.

Your location will make a significant impact on your auto premium in Florida.

If you want a quote comparison of larger cities please see further below.

CityAvg PremiumState Avg DifferenceCityAvg PremiumState Avg Difference
Bartow$2,287+46%Milton$2,009+40%
Boynton Beach$1,964+37%Miramar$2,983+59%
Callaway$1,679+25%Niceville$2,113+43%
Cooper City$2,216+84%North Port$2,656+54%
Crestview$2,344+86%Oakland Park$2,757+56%
Dania$1,198-0%Ocala$1,378+8%
Daytona Beach$1,782+30%Ocoee$1,026-20%
Deerfield Beach$1,832+33%Odessa$2,049+40%
Delray Beach$1,943+63%Palm Bay$1,768+29%
Deltona$1,112-5%Palm Coast$1,007-21%
Eustis$2,425+51%Palm Springs$2,476+51%
Fort Myers Beach$2,194+43%Palmetto$1,654+24%
Gibsonton$1,663+24%Pompano Beach$2,569+52%
Greenacres$2,159+43%Port Orange$1,389+9%
Hollywood$2,378+48%Port St. Lucie$1,955+37%
Homestead$1,255+4%Riverview$2,241+46%
Jasper$1,765+30%Summerfield$1,872+33%
Kissimmee$1,275+6%Tavares$1,101-9%
Lakeland$1,864+34%Titusville$2,484+51%
Largo$1,747+30%Wellington$1,909+37%
Longwood$1,239+3%Weston$1,323+7%
Medley$998-27%Winter Haven$2,652+54%

Jacksonville

Jacksonville lowest premium options for resident drivers.If you are looking for cheaper auto insurance in Jacksonville then start by getting quotes from Florida Farm Bureau, State Farm, and Travelers.

I queried each at $1,176, $1,332, and $1,388 respectfully for a 30 year old driver. Farm Bureau is 16% lower than the “mean” quote in Jacksonville. State Farm is 11% lower while Travelers is 10%.

For a 45 year old driver the cheapest quotes are with Florida Farm Bureau which I queried at $632 or full coverage. Or 17% lower than the citywide premium.

A 55 year old can find the low quotes with Farm Bureau at $367. Or 26% lower than the average premium rate.

State Farm and Travelers are slightly higher with quotes at $489 and $538 respectfully.

Jacksonville Company30 Y/O45 Y/O55 Y/O
Florida Farm Bureau $1,176$632$367
State Farm$1,332$689$489
Travelers$1,388$725$538
GEICO$1,431$767$612
Auto-Owners$1,487$813$645
Allstate$1,511$848$668
21st Century$1,548$878$698

Jacksonville is named after Andrew Jackson was incorporated in 1832 and had less than 1,000 residents in 1845.

Today, Jacksonville has over 900,000 residents and nearly 1.7 million people in the metropolitan area.

It is the largest city in Florida.

Jacksonville has many bars, restaurants and entertainment venues at Atlantic Beach and Jacksonville Beach.

Downtown, the Riverwalk, a 1.2-mile boardwalk on the banks of the St. Johns River, has restaurants, shops and entertainment.

The median age is 34 which is lower than other major cities in Florida.

Cultural activities include the Jacksonville Museum of Modern Art, renovated in 2003, is a new 60,000 square foot, six-floor facility, with a permanent collection, traveling exhibitions, educational facilities and a theater.

The Cummer Museum of Art, the largest fine arts museum in Northeast Florida, has a large collection of 18th century porcelain figures.

Miami

Miami low-cost policy choices by price for 30 and 55 y/o.If you want savings on your auto premium then get quotes from FL Farm Bureau, Travelers, and State Farm.

I queried each at $1,244, $1,476, and $1,587 respectfully for a 30 year old driver. Farm Bureau is nearly 50% lower than the citywide average premium of $2,455. While Travelers and State Farm are 45% and 40% respectfully.

A 45 year old can find inexpensive quotes with Farm Bureau which I queried at $795 or 48% lower than the citywide average for a driver with a similar profile. Travelers was queried at $859 and State Farm at $1,055.

A 55 year old can find low-cost quotes with Farm Bureau, Travelers, and State Farm. Each queried at $587, $673, and $745 respectfully for full coverage.

Farm Bureau is 47% lower than the citywide premium. While Travelers is 41% lower and State Farm is 38% lower.

Miami Company30 Y/O45 Y/O55 Y/O
Florida Farm Bureau $1,244$795$587
Travelers$1,476$859$673
State Farm$1,587$1,055$745
Auto-Owners$1,673$1,087$769
GEICO$1,688$1,176$831
Allstate$1,758$1,284$843
21st Century$1,823$1,389$896

Miami, located on Biscayne Bay in southeastern Florida, has a population of 460,000 residents.

The metropolitan area, which includes Miami Beach and Ft. Lauderdale, has over 5.5 million people. Making it the 4th largest urban area in the U.S. 

Miami is a haven for water sports and a golfer’s paradise, with dozens of top-rated courses nearby, including Doral.

Five miles southeast at the southern end of Key Biscayne, Bill Baggs Cape Florida State Recreation Area has nature trails and more beaches.

Forbes has named Miami as the best place for singles. 

Miami ranked seventh in the United States and 33rd among global cities in terms of business activity, human capital, information exchange, cultural experience, and political engagement according to the Global Cities Index.

Miami has immense tourism and is known as the “Cruise Capital of the World”.

Tampa

Tampa, FL lowest premium options for drivers aged 30 and 55 y/o.

If you want a lower premium in Tampa then get quotes from Florida Farm Bureau, Travelers, and State Farm.

Each queried at $1,132, $1,265, and $1,487 respectfully for a 30 year old driver. Farm Bureau is 42% lower than the citywide average premium of $1,965. While Travelers and State Farm at 39% and 35% lower than the “mean” rate.

A 45 year old can find low quote with Farm Bureau, Travelers, and State Farm. Each queried at $737, $780, and $950 for full coverage. Or approximately 39 to 44% lower than the citywide premium.

A 55 year old can find low quotes with Farm Bureau at $511. Which is 45% lower than the “mean” premium with in Tampa.

Travelers and State Farm I queried at $587 and $689. Which is 41 and 38% lower than the average rate.

Tampa Company30 Y/O45 Y/O55 Y/O
Florida Farm Bureau $1,132$737$511
Travelers$1,265$780$587
GEICO$1,376$845$654
State Farm$1,487$950$689
Auto-Owners$1,601$1,022$737
Allstate$1,659$1,098$811
21st Century$1,743$1,154$827

Tampa was incorporated as city in 1849 with less than 1,000 residents.

Today, it has a population of nearly 400,000 with 3 million people in the metropolitan area. 

Tampa has an enormous variety of attractions and perks for the people who live in and around the city. 

It is multi-cultural city with a large Hispanic influence and more than 15% of the population is Hispanic.

Culture and art museums about with a number of art galleries of interest, such as the African Art Gallery, Artists Unlimited, the Center Gallery, the Covivant Gallery and Graphicstudio.

Food is culturally diverse with a history of Cuban, Spanish, Floribbean, and Italian cuisines.

Tampa is the birthplace of the Cuban sandwich. 

With an average temperature of 72 degrees outdoor activities abound such a kayaking, sunbathing, cruising, and snorkeling.

Orlando

Orlando cheapest premium options for 30 and 55 y/o drivers.Find a cheaper premium is easy if you get quotes from Florida Farm Bureau, Travelers, and State Farm.

I queried each at $1,122, $1,209, and $1,346 for a 30 year old driver with full coverage. Which is 22 to 27% lower than the citywide “mean” rate in Orlando.

A 45 year old can get a lower premium with Florida Farm Bureau, Travelers, and State Farm. Each at $711, $743, and $862. Or approximately 20 to 27% lower than the average premium.

A 55 year old can find the cheapest quotes with Farm Bureau at $490. Or approximately 22% lower than the mean premium.

Travelers and State Farm are competitive with quotes at $525 and $578 respectfully.

Orlando Company30 Y/O45 Y/O55 Y/O
Florida Farm Bureau $1,122$711$490
Travelers$1,209$743$525
State Farm$1,346$862$578
Allstate$1,465$923$632
GEICO$1,521$1,043$647
Auto-Owners$1,576$1,076$703
21st Century$1,658$1,111$764

Orlando was incorporated in 1875 with less than 100 inhabitants. Today, the city boasts more than 275,000 residents with 2.4 million people in the metropolitan area.

It is home world famous Walt Disney World Resort and other theme parks which draws hundreds of thousands visitors each year. 

Orlando also offers numerous festivals and outdoor music events, including the Annual Concert Under the Stars at Historic Bok Sanctuary, Date Night at the Garden’s at the Harry P. Leu Gardens, the Florida Music Festival, and the Spring Jazz Stroll.

Other notable attractions include the, Audubon Center for Birds of Prey, Busch Gardens, Cirque du Soleil-La Nouba, Cypress Gardens, and the Discovery Cove.

St. Petersburg

St. Petersburg least expensive premium choices by insurers for drivers.The average policyholder in St. Petersburg pays over $1,600 per year for an auto policy.

As illustrated, we found 5 carriers at least 10% lower than the “mean” rate.

For a 30 year old driver the cheapest options are with Florida Farm Bureau, Travelers, and State Farm. Each at $1,108, $1,176, and $1,254. Or 20 to 27% lower than the average premium.

A 45 year old driver can find low rates with Farm Bureau, Travelers, and State Farm. I queried each at $709, $745, $789 respectfully for full coverage.

For a 55 year old driver I found the quotes clustering between $512 and $721. The cheapest is Florida Farm Bureau at $512. Which is 23% lower than the citywide average of a driver with a similar profile.

Travelers and State Farm are 17 to 21% lower with quotes at $554 and $615 respectfully.

St. Petersburg Company30 Y/O45 Y/O55 Y/O
Florida Farm Bureau $1,108$709$512
Travelers$1,176$745$554
State Farm$1,254$789$615
GEICO$1,365$928$645
Allstate$1,411$1,032$687
Auto-Owners$1,476$1,054$721
21st Century$1,527$1,095$737

St. Petersburg was incorporated as a town on February 29, 1892 and re-incorporated as a city on June 6, 1903. In 1903 there were less than 5,000 residents.

Today, St. Petersburg has 260,000 residents and nearly 3 million including the Tampa Bay area. It is named after St. Petersburg, Russia. 

The city hosts thousands annual events and festivals including American Stage in the Park, the Art Arbor Nature Crafts Festival, the Cajun/Zydeco Crawfish Festival, and Earth Day’s Green Thumb Festival.

Other notable attractions include, the Historic Coliseum Ballroom, Museum of Fine Arts, Salvador Dal Museum, St. Petersburg Museum of History, Sunken Gardens, and the Mahaffey Theater.

Hialeah

Hialeah, Florida low-cost policy options by price for drivers.The average quote in Hialeah is over $2,400 per year. I found 5 carriers which are 25% lower clustering between $1,311 and $1,897.

For the cheapest start by getting quotes from Florida Farm Bureau, State Farm, and Travelers. Each at $1,311, and $1,456, and $1,498 respectfully for a 30 year old driver. Each from 42 to 49% lower than the citywide average premium.

A 45 year old can find cheaper quotes with Florida Farm Bureau, State Farm, and Travelers. Each queried at $811, $887, and $954 for a driver with full coverage. Or 39 to 45% lower than the average premium.

A 55 year old can find quotes clustering between $632 and $743. All five illustrated are at a minimum 20% lower than the citywide “mean” rate.

Hialeah Company30 Y/O45 Y/O55 Y/O
Florida Farm Bureau $1,311$811$632
State Farm$1,456$887$676
Travelers$1,498$954$709
GEICO$1,576$986$764
Allstate$1,632$1,087$800
Auto-Owners$1,751$1,165$804
Hartford$1,897$1,245$743

Hialeah is the 6th largest city in Florida. It was incorporated as as city in 1925 with approximately 2,500 residents.

Today, it boasts more than 230,000 residents and 6 million in the metropolitan (Miami-Dade) area.

Hialeah is 20 minutes northwest of Miami and has the highest percentage of Cuban and Cuban-American residents than any other city in the U.S. 

Hialeah provides easy access to all of the arts and entertainment offerings of nearby Miami as well as the South Florida metropolitan area.

Notable attractions include, Hialeah Racetrack, Amelia Earhart Park, Bucky Dent Park Gym, Don Shula’s Hotel & Golf Club, GableStage, and Goodlet Park.

Tallahassee

Tallahassee lowest policy choices by carrier for resident drivers.Finding a cheap premium is easy if you get quotes from Farm Bureau, Travelers, and State Farm.

Each at $987, $1,055, and $1,094 respectfully for a 30 year old driver. Or approximately 9 to 15% lower than the citywide average premium of $1,487 per year.

A 45 year old can find inexpensive quotes with Farm Bureau, Travelers, and State Farm.

Each queried at $611, $658, and $674 for full coverage. Which is 9 to 12% lower than the citywide average premium.

A 55 year old can supra-low quotes clustering between $390 and $569. The cheapest is Farm Bureau at $390 or 14% lower than the “mean” rate.

Travelers is competitive with a quote at $411. While State Farm is 10% lower than average with a quote at $432.

Tallahassee Company30 Y/O45 Y/O55 Y/O
Florida Farm Bureau $987$611$390
Travelers$1,055$658$411
State Farm$1,094$674$432
GEICO$1,132$704$500
Auto-Owners$1,254$768$527
Allstate$1,316$812$569
Hartford$1,376$914$447

Home to Florida State University (FSU), Tallahassee was founded in 1821 with less than 1,500 residents.

Today, it boasts nearly 200,000 residents with 380,000 people in the metropolitan area.

It is the 7th largest city in the state of Florida and the biggest city within the panhandle region. It is the state capital of Florida.

Tallahassee is known for its large number of law firms, lobbying organizations, trade associations and professional associations.

US News and World Report has named it as one of the “Best College Towns” in the nation.

Attractions include, the Foster Tanner Art Center, Knott House Museum, Maclay State Gardens, Mary Brogan Museum of Art and Science, Meginnis-Monroe House, and the Mission San Lu’s de Apalachee.

Fort Lauderdale

Fort Lauderdale cheapest premium choices for drivers.

Drivers in Fort Lauderdale can find the cheapest quotes with FL Farm Bureau, Travelers, and Auto-Owners.

I queried each at $1,098, $1,133, and $1,265 per year for a 30 year old. Which is 19% to 24% lower than the median quote for drivers of similar age and profile.

All the carriers illustrated are over 10% cheaper than the median quote for a 30 year old.

A 45 year old can get the best rates with Farm Bureau, Travelers, and Auto-Owners.

Each queried at $655, $690, and $750 per year for full coverage. Or approximately 18% to 24% lower than the “mean” quote for similar age drivers.

A 55 year old can find quotes clustering between $466 and $608. The least expensive are with Farm Bureau offering the lowest at $466.

Both Travelers and Auto-Owners are competitive with quotes at $487 and $555 respectfully per year.

Fort Lauderdale Company30 Y/O45 Y/O55 Y/O
Florida Farm Bureau $1,098$655$466
Travelers$1,133$690$487
Auto-Owners$1,265$750$555
State Farm$1,325$768$569
Allstate$1,387$842$579
GEICO$1,465$896$598
Hartford$1,508$922$608

Fort Lauderdale, known as Venice of America, was originally settled by Seminole Indians. New River Fort was built on the site of the current city in 1838 during the the Second Seminole War.

In fact, there were a series of forts built which is how Fort Lauderdale received its name.

It wasn’t until 50 years later that development began in the city. During the time from 1850 to 1900 there were only a few hundred residents.

Today, Fort Lauderdale is the principal city of the Miami metropolitan area with over 175,000 residing within the city.

Tourism is huge in the city and according to sources there were more than 12 million tourists in 2012. And it is home to more than 45,000 resident yachts.

Notable attractions include, the IGFA Fishing Hall of Fame and Museum in nearby Danea Beach, Fort Lauderdale Antique Car Museum, and the International Swimming Hall of Fame Museum and Aquatic Complex.

Cape Coral

Cape Coral least expensive policies for 30 to 45 y/o drivers.

Drivers in Cape Coral are probably not getting the lowest rate because there aren’t looking in the right place. Start by getting quotes from FL Farm Bureau, Travelers, and Auto-Owners.

I queried each at $980, $1,065, and $1,155 per year for a 30 year old. Which is 18% to 23% lower than the average quotes for drivers of similar age and profile.

A 45 year old can get the best prices with Farm Bureau and Travelers.

Each queried at $630 and $655 respectfully per year for full coverage. Which is 22% cheaper than the “mean” rate for other drivers in Cape Coral.

Quotes clustered between $630 and $765 which is a $135 variance or nearly 25% price difference among the lowest and highest carriers making it important to compare quotes.

For a 55 year old the best options are with Farm Bureau and Travelers. Both carriers offered quotes at $439 and $465 which is approximately 23% lower than the median quote for drivers of similar age and profile.

Auto-Owners and State Farm are competitive with cheap quotes at $500 and $523 respectfully per year.

Cape Coral Company30 Y/O45 Y/O55 Y/O
Florida Farm Bureau $980$630$439
Travelers$1,065$655$465
Auto-Owners$1,155$711$500
State Farm$1,276$726$523
Allstate$1,300$765$555
GEICO$1,330$808$578
Hartford$1,462$879$602

Cape Coral is known as the “Waterfront Wonderland” with more miles of canals than any other city in the world.

It was founded in 1957 as a planned community by the Rosen Brothers. Then incorporated as a city in 1970 with approximately 10,000 people.

Today, there are nearly 180,000 residents and this trend it expected to continue. 

Boaters and fisherman from all over the world are attracted to beautiful Cape Coral. Plus, there is a plethora of water sports and outdoor activities.

Notable attractions include, the Aquatic Festival, Synchronized Swim Show, and the Broadway Palm Dinner Theater.

Pembroke Pines

Pembroke Pines, FL lowest price premium options for 30 to 55 y/o drivers.

Drivers in Pembroke Pines can get the cheapest insurance by getting quotes from FL Farm Bureau, Auto-Owners, and Travelers.

I queried each at $1,044, $1,097, and $1,158 per year for a 30 year old driver.

Which is 17% to 22% lower than the “mean” quote for driver of similar age and profile.

For a 45 year old the best prices are with Farm Bureau, Auto-Owners, and Travelers.

Each queried at $640, $659, and $680 respectfully per year for full coverage. Which is 16% to 20% cheaper then the median quote.

There is a fairly small price variance of $125 making any of the carriers illustrated worth getting quotes from. 

A 55 year old with a good driving record should be able to get cheap quotes with Florida Farm Bureau.

I queried them at $440 per year for full coverage. Which is 23% lower than the median rate for drivers of similar age and profile.

Auto-Owners and Travelers are competitive with low quotes at $487 and $503 respectfully.

Pembroke Pines Company30 Y/O45 Y/O55 Y/O
Florida Farm Bureau $1,044$640$440
Auto-Owners$1,097$659$487
Travelers$1,158$680$503
Allstate$1,207$727$524
State Farm$1,260$765$565
GEICO$1,325$800$580
Hartford$1,398$843$604

Pembroke Pines is a community founded in 1960 with approximately 1,500 residents.

Today, there are over 175,000 residents making it the 11th most populated city in the state. 

The town started as agricultural land occupied by dairy farms and grew after World War II as servicemen were retiring.

Pembroke Pines immense population growth began in the early 1990’s after Hurricane Andrew where many residents from Dade County move to Broward County and most of them to Pembroke Pines.

At one point, in 1999, the city was the fastest growing in the nation.

In 2001 the city had the most dangerous intersection in the United States at Pines Boulevard and Flamingo Road according to State Farm. The intersection has since been redesigned.

Best Insurers by Written Premiums, Rate Change, and Consumer Rating

To find the best insurers by consumer rating is pretty easy.

Included in the table below is the market share of each and the amount of written premiums.

Of course, top insurers, such as GEICO, State Farm, Progressive, and Allstate will have more complaints. This is to be expected and you shouldn’t be alarmed.

Low-cost premium options for 55 y/o in Florida.

Included is the approximate rate change over an 18 month period. This is normal for most insurers.

With the table you are able to find the carriers which have the best consumer rating.

Typically the larger carriers will have a better consumer rating.

However, if you are going for price only at times you can find a lower premium with companies such as Florida Farm Bureau, Bristol West, or Infinity Auto.

The consumer rating averages are from JD Power & Associates and any of the sources used below. 

CompanyWritten PremiumsRate Change < 18 Months# of ComplaintsConsumer Rating out of 5 StarsMarket Share
GEICO$2,437,946,521+1.9%1124.518.30%
State Farm$2,387,422,840+2.1%1174.517.90%
Progressive$1,722,544,168+2.2%874.512.20%
Allstate$1,465,285,161+2.4%674.410.70%
USAA$755,989,590+1.8%794.75.30%
Travelers$387,451,924+2.5%654.62.70%
Infinity Auto$376,966,895+2.6%544.22.40%
Liberty Mutual$262,786,869+2.2%324.42.00%
21st Century$248,896,040+2.5%39432.00%
Auto-Owners$214,788,787+2.3%144.21.50%
Hartford$208,129,659+2.1%44.11.50%
Esurance$199,337,771+2.6%54.41.50%
Bristol West$187,433,501+2.5%74.21.40%
Safeco$185,966,677+2.5%94.11.40%
Allied$155,955,076+2.6%113.91.20%
MetLife$148,256,838+3.0%143.91.10%
AAA$122,943,164+3.1%83.80.90%
Florida Farm Bureau$113,513,117+2.2%94.40.80%
Amica$97,835,009+2.3%24.00.70%
Nationwide$80,526,509+2.3%84.30.60%
Mercury $92,256,768+2.3%24.10.70%
Sentry$59,639,090+2.7%14.20.40%
National General$87,579,731+2.5%33.80.70%
GAINSCO$91,743,046+2.7%43.80.70%
Direct General$195,256,514+2.7%33.91.40%
United Automobile$164,594,760+2.0%43.91.20%
Imperial Fire & Casualty$39,166,251+1.9%63.70.30%
Ocean Harbor$117,529,782+3.3%113.70.90%
Windhaven$107,726,292+3.4%34.00.80%
Equity Ins Co$36,578,553+4.0%23.90.30%

Average Premium Rate Hike for a DUI

I decided to put statistics and data for a DUI.

If you want to keep your premium as low as possible do not get a DUI in Florida.

The prevalence of DUI’s in the state is higher than the national average.

The average cost is approximately $8,000 and adds $6,500 to your annual premium for the next three years.

 Annual DUI ArrestsDUI Legal LimitAverage DUI CostAverage Premium Rate Hike
FL59,7520.08%$8,000$6,500
US Avg22,7160.08%$6,000$4,500

If you are traveling to Florida you would want to tell your insurance company since many drivers go to the state via their own car.

You may want to consult with your insurance broker to be sure you are adequately protected while visiting the sunny state.

Final Thoughts

I realize most people are busy and do not have the time to call every insurer to get the lowest rate possible.

With our system you can find lower car insurance quotes from top insurance companies all in one place; you don’t have to look up the phone number; nor do you have to call if you don’t want to.

Your insurance quotes can be delivered right to your email. If you want, you can ask to have the agent give you a call at a convenient time for you when you are comparing quotes.

Sources

https://www.floir.com/

https://www.myfloridacfo.com/

https://www.flhsmv.gov/

https://www.floridafarmbureau.com/

https://www.floir.com/Sections/PandC/

http://www.flhsmv.gov/ddl/frfaqgen.html

Shaun Fyffe

Shaun Fyffe

Hi, I am Shaun Fyffe and writing is my passion. In my spare time I enjoy the outdoors, spending time with my family, sometimes I might go hiking or riding a bike, plus doing the regular hanging out - New York Style!

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