Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: May 6, 2021

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AutoInsureSavings.org licensed agents analyzed the cheapest car insurance companies in Florida and found GEICO provides the cheapest state minimum rate at $960 per year or 45% less expensive than average rates of $1,715 per year.

At $1,935 per year, State Farm provides cheap car insurance for Florida drivers for full coverage or 36% cheaper than state average rates of $2,984 per year.

Table of Contents

Cheapest Auto Insurance in Florida

Florida insurance shoppers should compare quotes with the same coverage level with at least three insurance companies to find the best rate and save more on their auto insurance premiums.

Cheapest Car Insurance in Florida - Key Takeaways
AutoInsureSavings.orgThe cheapest Florida car insurance options are:

Cheapest for minimum coverage: GEICO
Cheapest for full coverage: State Farm
Cheapest after an at-fault accident: GEICO
Cheapest after a speeding ticket: State Farm
Cheapest after a DUI: Progressive
Cheapest for poor credit history: GEICO
Cheapest for young drivers: GEICO
For younger drivers with a speeding violation: State Farm
For younger drivers with an at-fault accident: GEICO

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Enter your Zip Code or use this practical Florida auto insurance guide which is the best way to find top car insurance providers in your area regardless of driving type or age group.

Cheapest car insurance in Florida with USAA, GEICO, and Travelers Insurance compared with average rates.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Cheapest Car Insurance in Florida for Minimum Coverage

GEICO offers the cheapest minimum coverage rates for drivers in Florida with a good driving record, which provided us a $960 per year rate or $755 cheaper than the $1,715 average rates for our 30-year-old sample driver.

Suppose you are a military member or a family member of military personnel. In that case, your best car insurance rates are with USAA, which offered our agents an $874 per year quote or $72 per month for minimum liability coverage.

Cheapest Florida auto insurance companies for minimum coverage, by quote

Auto InsurerAnnual costMonthly cost
USAA$874$72
GEICO$960$80
Travelers$1,036$86
Auto-Owners$1,116$93
State Farm$1,187$99
Progressive$1,280$106
Direct Auto$1,369$114
Liberty Mutual$1,854$154
Allstate$2,169$180

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*USAA is for qualified military members, their spouses, and direct family members. Your auto insurance rates may vary based on your driver profile.

Buying a minimum coverage policy is the cheapest way to meet Florida car insurance requirements to ensure you stay legal.

State minimums may not have sufficient insurance coverage with the amount of bodily injury coverage and property damage coverage you need if you are involved in an auto accident.

A state minimum auto policy in Florida only covers up to $20,000 per accident in bodily injury liability coverage and $10,000 per accident in property damage liability with $20,000 per accident of uninsured motorist coverage and $10,000 per accident of personal injury protection coverage.

Cheapest Full Coverage Car Insurance in Florida

State Farm offers the cheapest auto insurance rates for drivers in Florida with a good driving record with a full coverage insurance policy. State Farm’s $1,935 per year rate is 36% less expensive than state average rates of $2,984 per year. 

Cheapest Florida car insurance companies for full coverage, by quote

Auto InsurerAnnual costMonthly cost
State Farm$1,935$161
GEICO$1,980$165
Progressive$2,468$205
Direct Auto$2,760$230
Florida average$2,984$248

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A full-coverage policy for drivers in Florida costs more than liability-only policies but offers more asset protection with comprehensive and collision insurance included. Your motor vehicle is protected no matter who is at fault or any inclement weather caused the damage, such as hurricanes.  

Cheapest Car Insurance in Florida with a Speeding Ticket

State Farm offers the cheapest auto insurance in Florida for drivers with speeding tickets on their driving record. State Farm’s $2,139 per year rate is 40% or $1,398 less expensive than state average rates.

Cheapest Florida car insurance companies for full coverage after a speeding ticket, by quote

Auto InsurerAnnual costMonthly cost
State Farm$2,139$178
GEICO$2,499$208
Progressive$3,034$252
Auto-Owners Insurance$3,165$263
Florida average$3,537$294

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According to the Florida Highway Safety and Motor Vehicle (FLHSMV.gov), your auto insurance rates can increase by $553 per year or 16% with one traffic violation for speeding.  

Most auto insurers will increase car insurance rates after traffic tickets, so you want to make sure to shop around for cheaper insurance companies after any traffic violation on driving records. 

Cheapest Car Insurance in Florida With a Car Accident

According to our analysis, GEICO offers the cheapest auto insurance in Florida for drivers with an accident history with a $2,341 per year car insurance premium for our sample driver. 

GEICO’s rate is 44% less expensive than Florida’s average rates ($4,125 per year) for drivers in Florida with one accident in their driving history.

Cheapest Florida auto insurance companies for full coverage after an accident, by quote

InsurerAnnual costMonthly cost
Progressive$2,514$209
GEICO$2,858$238
State Farm$2,973$247
Auto-Owners Insurance$3,387$282
Florida average$3,876$323

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Getting into an at-fault accident may cause a rate increase of 28% or $1,141 per year up to five years, showing the importance of shopping for cheaper auto insurance in Florida if you have a change on your driving record.

For accidents that result in any bodily injury, drivers in Florida must file SR-22 insurance (certificate of responsibility). In addition to Florida’s no-fault requirements, SR-22 insurance requires the following insurance coverage: 

SR-22 insurance requirements 
Bodily injury liability (BIL)$10,000 per person
Bodily injury liability (BIL$20,000 per accident

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To make sure you get the best rates, be sure to shop around and compare auto insurance quotes with at least three car insurance companies after a car accident.

Cheapest Car Insurance in Florida with a DUI

Drivers in Florida with DUI offenses on their driving records can find the cheapest insurance with Progressive, which provided our insurance agents a quote at $2,514 per year or a $209 monthly rate for full coverage.

The average annual rate increase for drivers in Florida with DUI violations is $3,876 per year, making Progressive’s rate 37% cheaper than Florida’s average DUI rate. 

Cheapest Florida auto insurance companies for full coverage after a DUI, by quote

InsurerAnnual costMonthly cost
Progressive$2,514$209
GEICO$2,858$238
State Farm$2,973$247
Auto-Owners Insurance$3,387$282
Florida average$3,876$323

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According to the Insurance Information Institute, car insurance premiums increase by 25% on average for Florida drivers with driving while intoxicated violations (DUI’s).

Along with higher car insurance rates, the State of Florida states you may have a suspended driver’s license for up to one year and must carry FR-44 insurance.

FR-44 insurance coverage requirements are higher than no-fault minimum coverage requirements or SR-22 certificates. 

FR-44 coverageFR-44 minimum requirements
Bodily injury liability (BIL)$100,000 per person
Bodily injury liability (BIL)$300,000 per accident
Property damage liability (PDL)$50,000 per accident

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Cheapest Car Insurance in Florida for Drivers With Poor Credit

GEICO provides the cheapest insurance for drivers with a poor credit score in Florida with a $2,617 per year rate for full coverage or 40% less expensive than the average bad credit rate increase in Florida of $4,319 per year. 

Cheapest Florida auto insurance companies for drivers with poor credit, by quote

InsurerAnnual costMonthly cost
GEICO$2,617$218
State Farm$2,960$246
Nationwide$3,317$276
Progressive$3,614$301
Florida average$4,319$359

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AutoInsureSavings.org analysis shows Florida drivers who have a poor credit score will pay on average 31% more for car insurance premiums. And drivers with poor credit are more likely to file a claim or get involved in an at-fault accident than drivers with a good credit score.

For that reason, their auto insurance costs are higher than average. Make sure to maintain good credit scores, pay credit cards and student loans on time to ensure your car insurance rates won’t increase at renewal. 

Cheapest Car Insurance in Florida for Young Drivers

We found young Florida drivers with a good driving record looking for the cheapest full coverage insurance is with GEICO, which provided our agents a $3,876 per year quote or 52% less expensive than our sample young driver’s average car insurance rates in Florida. 

USAA is the best car insurance option for younger drivers with a good driving record who qualify, which offered AutoInsureSavings’ agents a $3,164 per year rate for full coverage car insurance.

The cheapest state minimum coverage in Florida for teenage drivers is Auto-Owners Insurance, which offered us a quote at $2,265 per year or 43% cheaper than average rates. The next best option for younger drivers is Travelers Insurance, with a $2,290 per year rate for minimum liability coverage. 

Cheapest Florida auto insurance companies for young drivers, by quote

Car Insurance CompanyFull coverageMinimum coverage
USAA$3,164$1,947
GEICO$3,876$2,312
State Farm$4,365$2,750
Progressive$6,127$2,615
Auto-Owners Insurance$6,458$2,265
Liberty Mutual$7,129$3,659
Travelers Insurance$7,354$2,290
Direct Auto$7,925$3,538
Allstate$9,551$4,109
Florida average$7,944$3,963

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*USAA is for qualified military members, their spouses, and direct family members. Your car insurance rates may be different based on your driver profile.

Statistics show a teen driver is more prone to car accidents than older experience drivers, making car insurance rates higher. Our licensed agents recommend younger drivers in Florida buy full coverage auto insurance policies to have motor vehicle coverage in an auto accident as an added layer of protection.

It is best to shop around to find an insurance company that offers the cheapest insurance rates for young or teen drivers in The Sunshine State, such as GEICO, Auto-Owners Insurance, or Travelers, to cut down on your car insurance costs.

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

Young drivers in Florida with a speeding violation should look to State Farm for the cheapest auto insurance in Florida. State Farm’s average car insurance cost is $4,488 per year or $4,069 less per year for car insurance policies in Florida with comprehensive and collision coverage for young drivers. 

Cheapest insurance companies in Florida for young drivers with a speeding ticket, by quote

Car Insurance CompanyAnnual costMonthly cost
State Farm$4,488$374
GEICO$4,923$410
Progressive$6,754$562
Allstate$7,321$610
Florida average$8,557$713

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Cheapest Car Insurance for Young Drivers with an At-Fault Accident

Young drivers in Florida with an accident history can find the best auto insurance premiums with GEICO, which provided our agents a $4,730 per year rate for full coverage insurance.

GEICO’s at-fault accident rate is 49% cheaper than Florida’s average rates of $9,240 per year for teen drivers with a car accident. 

Car Insurance CompanyAnnual costMonthly cost
GEICO$4,730$394
State Farm$4,902$408
Progressive$8,351$695
Liberty Mutual$10,335$861
Florida average$9,240$770

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Best Car Insurance Companies in Florida

AutoInsureSavings.org team of licensed insurance agents rated the best car insurance companies in Florida by customer satisfaction, insurance surveys, J.D. Powers claims satisfaction score, A.M. Best, and the National Association of Insurance Commissioners (NAIC) complaint index.

We found that Allstate and State Farm are the best car insurance companies based on excellent customer service, claims satisfaction, and NAIC’s complaint index. 

AutoInsureSavings.org licensed agents had similar results from their recent Florida car insurance customer survey, with Allstate and State Farm scoring 63% and 60% respectfully with customers in claims satisfaction. 

Auto insurer% respondents satisfied with recent claim% respondents who saw customer service as excellent
Allstate63%49%
State Farm60%46%
USAA60%45%
GEICO58%42%
Liberty Mutual58%56%
Travelers57%50%
Auto-Owners Insurance53%61%
Progressive51%34%

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Our licensed insurance agents also collected information on each insurance company in Florida from the NAIC, J.D. Power, and A.M. Best’s financial strength ratings. 

The car insurance company with the lowest NAIC complaint ratio is Allstate, with a 0.63 complaint ratio compared to their market share and below the national average of 1.00. State Farm is below the national average with a 0.66 NAIC complaint ratio.  

InsurerNAIC Complaint IndexJ.D. Power claims satisfactionA.M. Best rating
Allstate0.63876A+
State Farm0.66881A++
GEICO1.01871A++
Progressive1.30856A+

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The NAIC’s complaint ratio compares the number of complaints an auto insurer has based on the Florida market share. Any car insurance provider below 1.00 is better than the national average.

Allstate and State Farm have the highest J.D. Power claims satisfaction scores of 876 and 881, respectfully. 

A.M. Best financial strength ratings are a grade describing an auto insurer’s financial health and their ability to pay out claims.

While comparison shopping for car insurance companies in Florida, it is essential to remember that many factors contribute to your premium cost. Your age, driving experience, and even your credit score can influence your total monthly or annual cost.

It is always best for drivers in Florida to compare car insurance plans to find the best insurance company that offers the lowest insurance rate.

Average Cost of Car Insurance by City in Florida

We collected insurance quotes from Florida zip codes from top insurance companies and found average rates can vary by $1,016 per year.

Typically, you will pay higher auto insurance rates if you live in urban cities rather than the state’s rural areas.

Your Florida insurance rate is based not only on your zip code but also on the type of vehicle, driver history, liability coverage limits, marital status, and many other risk factors.

Cheapest Car Insurance in Jacksonville, FL

Drivers in Jacksonville, Florida, can find the cheapest insurance quotes with GEICO, which provided AutoInsureSavings.org agents a rate of $2,147 per year with $500 deductibles for comprehensive and collision coverage. GEICO’s quote is 39% less expensive than Jacksonville’s average rates.

Jacksonville CompanyAverage Premium
GEICO$2,147
State Farm$2,276
Direct Auto$2,531
Jacksonville average$3,514

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Cheapest Car Insurance in Miami, FL

Drivers in Miami can look to GEICO for the cheapest auto quotes, with a rate of $2,342 per year with full coverage insurance. GEICO’s rate is 35% cheaper than Miami’s $3,654 average rates for 30-year-old drivers.  

Miami CompanyAverage Premium
GEICO$2,342
State Farm$2,560
Allstate$3,124
Miami average$3,654

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Cheapest Car Insurance in Tampa, FL

Good drivers in Tampa, Florida, can find the cheapest full coverage with State Farm Insurance, which offered us a $1,986 per year rate for our sample 30-year-old driver with comprehensive and collision $500 deductibles. State Farm’s car insurance rate is $1,390 less per year than Tampa’s average rates of $3,376 per year. 

Tampa CompanyAverage Premium
State Farm$1,986
GEICO$2,053
Travelers$2,641
Tampa average$3,376

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Cheapest Car Insurance in Orlando, FL

Our insurance agents found the cheapest auto insurance rate in Orlando, Florida, is GEICO, with a $1,853 per year rate for a full coverage auto insurance policy. GEICO’s quote is 45% less expensive than Orlando’s average rates.

Orlando CompanyAverage Premium
GEICO$1,853
State Farm$1,936
Allstate$2,377
Orlando average$3,364

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Cheapest Auto Insurance in St. Petersburg, FL

Drivers in St. Petersburg can get cheaper auto insurance with GEICO, which provided our licensed agents a $2,056 per year rate for a full coverage insurance policy with $50,000 in liability insurance. GEICO’s quote is 43% less expensive than the average rates in St. Petersburg, FL. 

St. Petersburg CompanyAverage Premium
GEICO$2,056
State Farm$2,258
Allstate$2,913
St. Petersburg average$3,562

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Cheapest Auto Insurance in Hialeah, FL

Good drivers in Hialeah, Florida, can find the least expensive auto insurance policy with Travelers Insurance, which offered us a $1,743 per year rate for our sample 30-year-old male driver. Traveler’s full coverage quote is 41% cheaper than Hialeah, FL average rates. 

Hialeah CompanyAverage Premium
Travelers$1,743
GEICO$1,831
State Farm$2,022
Hialeah average$2,932

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Cheapest Car Insurance in Tallahassee, FL

Drivers in Tallahassee can shop around and get cheap auto insurance with GEICO, which provided our licensed agents a $1,910 annual rate for a full coverage policy with $50,000 in liability insurance. GEICO’s quote is 42% less expensive than the average rates in Tallahassee. 

Tallahassee CompanyAverage Premium
GEICO$1,910
Travelers Insurance$2,146
State Farm$2,279
Tallahassee average$3,281

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Average Car Insurance Cost for All Cities in Florida

CityAverage Insurance CostCityAverage Insurance Cost
Jacksonville$3,514Lehigh Acres$2,498
Miami$3,654Brandon$3,129
Tampa$3,376Clearwater$2,753
Orlando$3,364Palm Bay$3,170
St. Petersburg$3,562Miami Gardens$2,498
Hialeah$2,932Spring Hill$2,764
Tallahassee$3,281Pompano Beach$2,576
Port St. Lucie$3,054West Palm Beach$3,216
Cape Coral$3,084Lakeland$3,298
Fort Lauderdale$3,267Davie$2,638
Pembroke Pines$2,953Boca Raton$2,999
Hollywood$3,031Riverview$2,764
Miramar$2,576Sunrise$2,687
Coral Springs$2,984Plantation$2,856
Gainesville$2,790Alafaya$2,687
Deltona car insurance$2,865Sky Lake car insurance$2,989
Miami Beach car insurance$2,854Sanibel car insurance$2,532
Town 'n' Country car insurance$3,025Longboat Key car insurance$2,810
Palm Coast car insurance$2,764Inverness car insurance$2,498
Largo car insurance$2,638Ormond-by-the-Sea$2,576
Melbourne car insurance$3,041Willow Oak car insurance$2,687
Deerfield Beach car insurance$3,054Lake Lorraine car insurance$2,638
Fort Myers car insurance$2,498Dade City car insurance$2,714
The Villages car insurance$3,010Neptune Beach car insurance$2,834
Pine Hills car insurance$2,856River Park car insurance$3,018
Boynton Beach car insurance$3,036Indiantown car insurance$2,856
Kendall car insurance$3,098Fort Myers Beach car insurance$3,127
Lauderhill$2,576Belle Isle$2,764
Kissimmee$3,090Heathrow$2,576
Weston$2,898Beacon Square$2,532
Poinciana$3,100St. Augustine Beach$2,638
Homestead$3,112Osprey$2,498
Delray Beach$2,687Fort Pierce North$3,036
Daytona Beach$2,943Marianna$3,097
North Port$2,834West Samoset$3,015
Tamarac$3,032Perry$3,102
Jupiter$2,687Live Oak$2,810
Wellington$2,498Treasure Island$2,590
Port Orange$2,576Lecanto$2,764
North Miami$3,427South Patrick Shores$3,102
Port Charlotte$2,764Wildwood$2,714
Palm Harbor$2,856Fort Myers Shores$2,952
The Hammocks$2,532Indian River Estates$2,576
Fountainebleau$2,590Pembroke Park$2,687
Coconut Creek$3,101Lauderdale-by-the-Sea$3,077
Doral$2,764Cocoa West$2,498
Sanford$2,687Macclenny$3,097
Ocala$3,120Gulf Breeze$2,590
Wesley Chapel$2,810Naples Manor$2,764
Margate$3,036DeFuniak Springs$2,947
Sarasota$2,576Inverness Highlands South$3,009
Bradenton$3,045Islamorada, Village of Islands$3,328
Tamiami$2,764Crystal Lake$2,714
Palm Beach Gardens$2,576Orlovista$2,532
Kendale Lakes$2,714Mims$2,687
Bonita Springs$3,102Kathleen$2,810
Pinellas Park$2,498Combee Settlement$2,834
Pensacola$3,265Jan Phyl Village$3,092
Apopka$3,315Lely Resort$3,143
St. Cloud$2,590Pahokee$2,856
Country Club$3,087Ocean City$2,810
Coral Gables$2,687South Gate Ridge$2,576
University$3,216Pelican Bay$3,077
Ocoee$3,218Fort Meade$2,498
Titusville$2,834Tequesta$3,036
Fort Pierce$2,687High Springs$2,590
Oakland Park$2,532Newberry$2,941
Cutler Bay$2,764Bay Harbor Islands$2,714
North Lauderdale$3,365Lake Alfred$2,687
Altamonte Springs$2,856Mascotte$2,941
Winter Garden$3,143Naples Park$3,127
North Miami Beach$2,941Surfside$2,576
North Fort Myers$2,498Okeechobee$3,091
Ormond Beach$2,687Rio Pinar$2,764
Four Corners$2,576Loughman$2,810
Winter Haven$2,714Samsula-Spruce Creek$2,498
Greenacres$2,590Zephyrhills South$3,009
Oviedo$2,810Fellsmere$3,112
The Acreage$3,151Siesta Key$2,532
Hallandale Beach$2,764Palm Springs North$2,576
Horizon West$3,127South Highpoint$2,687
Plant City$2,498St. Augustine South$2,941
Royal Palm Beach$3,086Floral City$2,834
Kendall West$2,687Starke$2,714
Land O' Lakes$3,036Warm Mineral Springs$2,498
Lake Worth$3,170Port LaBelle$2,856
Valrico$2,576Zephyrhills West$2,590
Egypt Lake-Leto$3,077South Sarasota$3,265
Richmond West$2,532Hutchinson Island South$3,143
Navarre$2,856Timber Pines$2,810
Aventura$2,498Crawfordville$2,576
South Miami Heights$3,471South Bay$3,151
Panama City$3,032River Ridge$3,036
Merritt Island$2,498Valparaiso$3,087
Dunedin$2,714Kenneth City$2,590
Winter Springs$2,576LaBelle$2,764
University CDP$2,834Tice$3,009
Meadow Woods$2,590South Pasadena$2,687
Carrollwood$3,009Plantation CDP$2,576
Lauderdale Lakes$2,764Whiskey Creek$2,941
Cooper City$2,687Flagler Beach$2,498
Clermont$3,068Pine Manor$2,532
Buenaventura Lakes$2,498Orangetree$2,590
Riviera Beach$3,143Belleview$2,714
Golden Glades$2,576Bay Hill$2,856
West Little River$3,164Big Pine Key$3,151
Estero$2,856Wahneta$2,810
DeLand$3,181Sawgrass$2,576
Ferry Pass$2,714Ridge Manor$2,687
Princeton$2,590Wauchula$2,941
East Lake$3,193Nassau Village-Ratliff$2,498
Dania Beach$2,687Mount Plymouth$2,764
Parkland$2,576Lake Sarasota$3,077
Fruit Cove$2,941Butler Beach$3,088
Miami Lakes$2,834Davenport$3,009
Lake Magdalene$2,532Connerton$2,714
Winter Park$2,498June Park$2,576
Lakeside$3,036Pea Ridge$2,590
Westchester$2,764Suncoast Estates$2,687
Golden Gate$3,143Lower Grand Lagoon$2,856
East Lake-Orient Park$2,810Vamo$2,941
Fleming Island$2,576Parker$2,498
Oakleaf Plantation$2,687Dundee$2,714
Casselberry$3,090Laguna Beach$3,070
Bayonet Point$2,498Daytona Beach Shores$2,906
Rockledge$2,714Fussels Corner$2,590
Citrus Park$2,590White City$2,576
Leisure City$2,856The Meadows$2,498
University Park$2,990Stock Island$2,532
Immokalee$3,077Brookridge$2,714
Temple Terrace$2,764Kensington Park$3,068
New Smyrna Beach$2,590Samoset$2,856
Ruskin$2,576Cortez$2,687
Keystone$2,764Balm$3,127
Coral Terrace$2,498Moon Lake$2,810
South Bradenton$2,987Mary Esther$3,085
Tarpon Springs$2,687Madeira Beach$2,576
Sebastian$2,982Ridge Wood Heights$2,590
Palm Springs$3,067Three Oaks$3,077
Key West$3,143Indian Rocks Beach$2,498
Palm City$2,532Holmes Beach$2,714
Bloomingdale$3,151Fort Pierce South$3,036
Palmetto Bay$2,856Indian River Shores$3,181
Sun City Center$2,576South Brooksville$2,687
Haines City$2,498Ellenton$2,590
Crestview$3,068Grant-Valkaria$2,834
Oak Ridge$2,856Lochmoor Waterway Estates$2,576
Wright$2,687Jasper$2,764
Westchase$2,810Belleair$2,941
Palm River-Clair Mel$2,975Mulberry$2,498
Hialeah Gardens$2,687Charlotte Harbor$2,532
Wekiwa Springs$2,498West Bradenton$2,590
Northdale$3,143Desoto Lakes$3,040
Jacksonville Beach$3,328Lake Belvedere Estates$3,077
Vero Beach South$3,127Goulding$2,856
Edgewater$3,085Taylor Creek$2,498
Venice$3,036High Point$2,590
Pace$2,764West DeLand$3,023
Ives Estates$2,498Buckingham$3,181
Leesburg$2,576Vineyards$2,810
The Crossings$2,834Highland Beach$2,687
Florida Ridge$2,764North River Shores$3,164
Brent$2,532San Castle$3,011
Lutz$2,576Harbour Heights$2,498
West Melbourne$2,590Umatilla$3,143
Ensley$2,856Whitfield$2,714
Fort Walton Beach$3,009Bagdad$2,687
Lealman$2,764Flagler Estates$3,257
Sunny Isles Beach$2,687Clarcona$2,941
Fish Hawk$3,077Lely$2,687
Jasmine Estates$2,856Feather Sound$3,009
Naples$2,498Royal Palm Estates$2,532
Bellview$2,714Ridgecrest$2,576
Palm Valley$2,810Lake Clarke Shores$2,590
West Pensacola$3,151Juno Beach$2,498
Lynn Haven$2,687Chipley$2,764
Apollo Beach$2,714Holden Heights$3,184
Sweetwater$3,068Loxahatchee Groves$3,127
Hunters Creek$2,944St. James City$3,085
Holiday$3,036Port St. Joe$2,590
Eustis$2,837Alturas$2,856
DeBary$2,498Cedar Grove$2,687
Bayshore Gardens$2,590Point Baker$2,810
Belle Glade$2,714Tierra Verde$2,576
Punta Gorda$2,532Windermere$2,941
Lake Butler$2,764South Beach$3,077
Bartow$2,840Montura$2,498
Pinecrest$3,068Tiger Point$3,143
Seminole$2,687Nokomis$2,764
Gibsonton$2,856Dade City North$3,164
World Golf Village$2,576Pretty Bayou$3,009
Cocoa$3,181Melbourne Beach$3,151
San Carlos Park$2,856Bay Pines$2,532
Marco Island$2,498Greenbriar$2,590
Safety Harbor$2,810Ponce Inlet$2,714
Maitland$3,009Midway$2,576
Midway$2,532Sharpes$2,834
Upper Grand Lagoon$2,941Watergate$2,498
Pinewood$2,714Lake Panasoffkee$3,177
Country Walk$2,576Frostproof$3,218
Glenvar Heights$2,764Hilliard$2,856
Brownsville$2,590Zellwood$3,127
Myrtle Grove$2,498North Brooksville$2,576
Vero Beach$2,687Crystal River$3,036
Tavares$3,234Biscayne Park$3,093
Lake Mary$3,143Bushnell$2,532
Ojus$2,764Chattahoochee$2,714
New Port Richey$2,856Island Walk$2,498
Stuart$2,941Watertown$3,241
Opa-locka$3,127Cleveland$3,151
Lake Wales$3,164Malabar$2,576
Sunset$2,856Hill 'n Dale$2,590
Sarasota Springs$2,498Roosevelt Gardens$2,687
Auburndale$3,068Oakland$2,764
Palmetto Estates$2,856Bal Harbour$2,941
Three Lakes$2,532Woodlawn Beach$2,810
Zephyrhills$2,576Tangelo Park$3,009
Lady Lake$2,714Alva$2,498
Niceville$2,834Dover$3,092
Southchase$2,764Cabana Colony$3,213
Englewood$3,036Edgewood$2,687
West Park$2,590Bowling Green$3,211
Callaway$2,576Harbor Bluffs$3,085
Longwood$2,960Indialantic$2,532
West Lealman$2,498Zephyrhills North$2,764
Bellair-Meadowbrook Terrace$2,687De Leon Springs$3,143
Nocatee$2,576Port Richey$2,714
Azalea Park$2,532Blountstown$3,077
Oldsmar$3,085Big Coppitt Key$2,498
Gonzalez$2,714Madison$3,127
Forest City$3,154Hypoluxo$3,164
St. Augustine$3,213Tyndall AFB$3,032
Thonotosassa$2,687Lake Helen$2,590
Lockhart$2,764Woodville$2,856
Warrington$2,810Bunnell$2,532
Miami Springs$2,576Tangerine$2,955
Iona$2,590Williston$3,213
Middleburg$2,764Seminole Manor$2,687
Fruitville$2,714Bonifay$2,834
Lakewood Park$2,498Hernando Beach$2,764
Hobe Sound$2,532Manatee Road$3,219
Olympia Heights$3,213Carrabelle$2,952
South Venice$3,127Chuluota$2,856
Mount Dora$2,687Eagle Lake$2,498
Destin$3,068Verona Walk$3,143
East Milton$2,590Meadow Oaks$3,085
Groveland$3,077Moore Haven$2,687
Palmetto$3,036Inverness Highlands North$2,714
Atlantic Beach$2,953Lake Mary Jane$2,590
Conway$2,498Winter Beach$2,532
Jensen Beach$2,576Chiefland$2,810
Homosassa Springs$3,009Villano Beach$2,856
Villas$3,158Apalachicola$2,941
North Palm Beach$2,576Geneva$2,498
Cypress Lake$2,764Wallace$3,164
Gladeview$2,687Graceville$2,856
Key Biscayne$3,213Cross City$3,221
South Daytona$2,532Charlotte Park$2,941
Yulee$2,576Harlem$2,687
Panama City Beach$3,068Freeport$2,714
Jupiter Farms$2,834Eastpoint$2,590
Wilton Manors$2,498Mangonia Park$3,036
Elfers$2,714Olga$3,009
Goldenrod$3,127Belleair Bluffs$2,764
Fernandina Beach$2,576Campbell$3,213
Gulfport$3,143Eatonville$2,498
Lakeland Highlands$2,810Haverhill$3,085
Shady Hills$2,687Pine Air$2,532
Holly Hill$2,576Virginia Gardens$2,834
Lake City$2,590Quail Ridge$3,077
Union Park$2,714Grove City$3,151
South Miami$2,856Monticello$2,687
Orange City$2,498Polk City$3,143
Goulds$2,789Grenelefe$3,213
Hudson$3,151Redington Shores$2,576
Florida City$2,687Pine Island Center$3,164
Viera East$2,856Eglin AFB$2,789
Naranja$2,532Trenton$2,498
Lantana$2,576Tavernier$2,714
Port St. John$2,590Williston Highlands$3,006
Cocoa Beach$2,941Cudjoe Key$2,576
Minneola$2,714Sewall's Point$2,687
Westwood Lakes$3,036Oak Hill$3,127
Trinity$3,143Dunnellon$2,576
Port Salerno$2,498Burnt Store Marina$2,810
Viera West$2,834Gotha$2,590
Westview$3,085Homosassa$2,878
Lighthouse Point$3,213Astatula$2,532
Fuller Heights$2,687Sneads$2,941
Mango$2,714Malone$2,498
Gulf Gate Estates$2,789Plantation Mobile Home Park$3,151
Satellite Beach$2,590El Portal$3,068
Cheval$2,878Atlantis$2,576
Gateway$2,498Harlem Heights$2,687
Highland City$2,810Silver Lake$3,164
Pasadena Hills$2,576Heritage Pines$3,036
Richmond Heights$3,213Lake Placid$2,714
Doctor Phillips$2,532Zolfo Springs$3,085
Gifford$3,127Havana$3,077
Pine Castle$2,878Wewahitchka$2,498
Fairview Shores$2,687Christmas$3,241
Avon Park$2,941East Bronson$3,068
Miami Shores$2,590Oriole Beach$2,810
New Port Richey East$2,789Lake Butler city$3,228
Sebring$2,498Wabasso Beach$2,687
Cape Canaveral$2,576Glencoe$2,878
Palatka$2,714Fort Denaud$2,789
Pine Ridge$3,143Century$2,532
Medulla$2,834Hillsboro Beach$3,222
Cypress Gardens$2,687Holley$2,498
Pebble Creek$2,878East Palatka$3,036
Asbury Lake$3,151Bear Creek$2,590
Progress Village$2,834Punta Rassa$2,576
Milton$2,789Washington Park$3,164
Bee Ridge$2,498Hawthorne$2,687
Key Largo$3,217Pine Ridge$2,878
Celebration$3,006Crescent City$3,143
Alachua$2,532Baldwin$2,714
West Perrine$2,590Buckhead Ridge$3,127
Westgate$2,810Montverde$2,498
Memphis$2,687Boulevard Gardens$2,576
Bithlo$2,576Key Vista$2,789
St. Pete Beach$2,941Bokeelia$3,085
Laurel$2,878Howey-in-the-Hills$2,532
Bardmoor$2,498Astor$3,220
Beverly Hills$3,068Midway$2,687
St. Augustine Shores$2,789Crooked Lake Park$2,941
Rotonda$3,036Keystone Heights$2,714
Springfield$2,532Ocean Ridge$3,151
Hernando$2,576Patrick AFB$2,498
Sugarmill Woods$2,687Interlachen$3,143
Micco$2,878Pierson$2,590
Silver Springs Shores$2,789Roseland$2,576
North Sarasota$3,164Belleair Beach$2,810
Citrus Springs$2,834Lacoochee$3,127
Orange Park$2,945Inglis$2,687
Palm Beach$2,714Paisley$2,789
Marathon$2,498Hastings$3,077
Fern Park$2,532Lake Hamilton$2,576
Lake Park$2,576Callahan$3,006
Indian Harbour Beach$3,164North DeLand$2,878
Seffner$3,143Five Points$2,498
Wimauma$2,810Mexico Beach$3,151
Miramar Beach$2,789Mayo$2,590
West Vero Corridor$2,687Cypress Quarters$3,036
Southeast Arcadia$3,077Babson Park$2,714
North Weeki Wachee$2,498Harold$2,532
Brooksville$3,127South Palm Beach$3,085
Wedgefield$2,590Redington Beach$2,687
Venice Gardens$3,151San Antonio$3,164
Broadview Park$2,576Limestone Creek$2,947
North Bay Village$2,834Schall Circle$2,498
Arcadia$2,878Manasota Key$3,216
Odessa$2,714Kenwood Estates$2,576
Green Cove Springs$2,532Taft$2,810
Southwest Ranches$2,590Archer$3,130
Fruitland Park$2,576North Redington Beach$3,068
Williamsburg$2,687Palm Shores$2,878
Southgate$2,498St. Leo$3,080
West Miami$2,789Palmona Park$3,036
Clewiston$2,965Molino$2,714
McGregor$2,687Indian Shores$2,576
Citrus Hills$3,151Fanning Springs$3,231
Inwood$3,108Navarre Beach$2,498
South Apopka$3,132Weeki Wachee Gardens$2,789
Quincy$2,532Palm Beach Shores$3,077
Center Hill$2,687Yalaha$3,135
Black Hammock$3,085Pomona Park$2,590
Gun Club Estates$3,077Crescent Beach$3,127
DeLand Southwest$2,576Bristol$2,878
Garden Grove$2,590Greenville$2,810
Panacea$2,498Franklin Park$2,834
Lake Mack-Forest Hills$2,714Homestead Base$2,576
Seville$2,944Gulf Stream$2,687
Solana$3,006Bronson$3,128
Cottondale$2,789Gretna$3,039
Shalimar$2,687Masaryktown$2,532
North Key Largo$2,878Waverly$2,714
Black Diamond$2,576Chumuckla$2,498
St. George Island$2,810Lawtey$2,941
Lake Kathryn$2,532Medley$2,590

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Minimum Auto Insurance Requirements in Florida

According to the Florida Highway Safety and Motor Vehicles, all drivers in Florida must comply with state law and have the minimum bodily injury liability coverage, property damage liability coverage, personal injury protection (PIP), and uninsured motorist coverage in their car insurance policies for vehicle registration.  

Below are the Florida no-fault state requirements with minimum liability limits:

Liability insuranceFlorida state minimum requirements
Bodily injury liability$10,000 per person and $20,000 per accident
Property damage liability$10,000 per accident
Uninsured motorist coverage$10,000 per person and $20,000 per accident
Personal Injury Protection$10,000 per accident

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AutoInsureSavings.org insurance agents recommend higher liability car insurance for drivers in Florida with collision and comprehensive coverage or a full coverage car insurance policy with roadside assistance.

You will be responsible for the extra costs in an at-fault auto accident in Florida if the cost of bodily injury and property damage exceeds the liability insurance requirements. 

Frequently Asked Questions – Florida Car Insurance

Who has the Cheapest Car Insurance in Florida?

GEICO offers the state minimum’s cheapest auto insurance rate at $960 per year for 30-year-old drivers. The average annual auto insurance premiums for minimum coverage in Florida are $1,715 per year, and GEICO’s premium costs 45% less per year. Other good options for affordable car insurance are Travelers at $1,036 per year and Auto-Owners Insurance at $1,116 per year. 

How Much is Florida Car Insurance per Month?

The average car insurance costs $248 per month for full coverage in Florida and $142 per month for state minimum coverage for a 30-year-old driver with a clean driving record. 

How Much Is Full Coverage Car Insurance in Florida?

The average cost of full coverage car insurance in Florida is $2,984 per year or $248 per month with $50,000 per accident in liability coverage. State Farm’s average rate for full coverage is $1,935 per year or $161 per month or 36% less per year, while GEICO’s $1,980 rate is 34% below Florida state average rates.

How do I Save on Car Insurance in Florida?

The best way to save on your insurance premium in Florida is to find out from your car insurance provider if you are eligible for the company’s money-saving driver discounts. Many insurance providers in Florida will lower your overall insurance prices if you have more than one car insurance policy with them, such as life or home insurance policies. 

Another way to save on car insurance premiums is to practice safe driving habits and maintain clean driving records. Many auto insurance companies offer good driving discounts for drivers in Florida that have clean driving records for five years. One example is State Farm, which offers good drivers a safe driver discount of up to 30% through the “Drive Safe & Save” telematics car insurance program. Not only will you keep and your passengers safe, but it will also help you avoid car accidents or traffic violations that could cause your premium to increase.

To learn more about car insurance for drivers in Florida, enter your zip code or get expert advice at AutoInsureSavings.org.

Our licensed insurance professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily injury liability$50,000 per person / $100,000 per accident
Property damage liability$25,000 per accident
Personal injury protection$10,000
Uninsured / underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision coverage$500 deductible

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We used insurance rates for Florida drivers with accident histories, credit scores, and marital status for other rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your auto insurance rates may vary when you get quotes.

Sources

– Insurance Information Institute. “Facts + Statistics: Uninsured Motorists.”
– Florida Highway Safety and Motor Vehicles. “Points & Point Suspensions.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– Florida Highway Safety and Motor Vehicles. “Traffic Crash Facts.”
– Florida Highway Safety and Motor Vehicles. “Florida Car Insurance Requirements.”