Best Car Insurance in Florida for (2022)

Everything you need to know about Florida car insurance.

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UPDATED: Aug 21, 2022

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Written By: Rachel BodineReviewed By: Daniel WalkerUPDATED: Aug 21, 2022Fact Checked

Things to Remember

  • Full coverage car insurance in Florida costs around $232 per month, which is higher than the national average
  • Florida is a no-fault state and drivers are required to carry personal injury protection
  • GEICO and State Farm are two of the cheapest car insurance companies for Florida drivers

If you’re searching for the best car insurance company in Florida, you should research the company that works best for you based on coverage options and overall insurance rates. 

More: Best Cheap Auto Insurance in Arcadia, FL (2022)

On average, annual rates for full coverage car insurance in Florida are around $2,762. Still, you may be able to find more competitive rates if you shop online and compare coverage rates from multiple insurance providers in your area.

How much does Florida car insurance cost?

Full coverage in Florida costs around $2,762, or around $232 per month. But the national average for a full coverage policy is $1,771 per year, which is significantly lower. 

To find cheap car insurance in Florida, many drivers purchase a minimum coverage policy that only meets Florida’s requirements for insurance. As a result, minimum coverage auto insurance in Florida costs just over $1,000 on average. However, you may be able to find more competitive rates by shopping online and comparing quotes.

More: Best Cheap Auto Insurance in Plant City, FL (2022)

For example, GEICO offers minimum coverage policies in Florida for around $717 annually to a 35-year-old driver with a clean driving record.

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How much are Florida car insurance rates by city?

Car insurance companies use several factors when determining a driver’s insurance rates. Because of this, your rates will vary based on age, gender, marital status, car make, and model, driving history, and more. 

Still, the cheapest Florida auto insurance policies are typically sold in Santa Rosa Beach, and the most expensive Florida rates are often sold in Westview.

What are the best car insurance companies in Florida?

More: Best Cheap Auto Insurance in Fort Lauderdale, FL (2022)

State Farm, GEICO, Progressive, and Allstate sell Florida’s best and cheapest car insurance, as you can see in the table below.

Average Annual Rates by Coverage for the Top 10 Auto Insurance Companies
Insurance
Company
Average Minimum
Coverage Rates
Average Full
Coverage Rates
Allstate$605$1,993
American Family$582$1,386
Farmers$674$1,674
GEICO$290$984
Liberty Mutual$771$2,120
Nationwide$588$1,445
Progressive$484$1,310
State Farm$408$1,091
Travelers$471$1,287
USAA$238$753
Average$541$1,477
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All four companies offer policyholders ways to customize their coverage and different discounts that could help them save even more on auto insurance. 

State Farm Car Insurance in Florida

State Farm has the lowest average full coverage rates and could be an excellent choice if you search for cheap auto insurance in Florida. State Farm has an A++ (Superior) financial strength rating with A.M. Best and a complaint index score with the National Association of Insurance Commissioners (NAIC) that’s lower than average. 

State Farm does have a high number of complaints as an insurance company overall, so it’s a good idea to research this company before deciding on a policy.

GEICO Auto Insurance in Florida

While it doesn’t offer the cheapest Florida car insurance, GEICO offers competitive rates and a myriad of discounts on coverage. GEICO offers exceptionally cheap insurance in Florida to federal employees, military members, veterans, and students with good grades. 

GEICO has a highly rated mobile app that makes filing claims and reviewing policy information user-friendly and hassle-free. But the company’s policies are basic.

Progressive Car Insurance in Florida

Progressive has the highest rates for full coverage, but the company offers many benefits that may outweigh the cost.

Progressive utilizes the Name Your Price tool to allow people to choose the proper coverage for their vehicle based on their budget. And the company uses its usage-based program, Snapshot, to monitor drivers’ habits on the road to potentially offer them lower rates for driving safely.

Allstate Auto Insurance in Florida

Allstate offers many options for coverage, allowing policyholders to customize their policies. Allstate drivers in Florida can save money with several discounts, and the company has an exceptional web presence that makes filing claims easy.

Unfortunately, Allstate premiums are the second-highest, so people may not want to choose Allstate if they’re on a tight budget.

Who offers the cheapest auto insurance in Florida?

The cheapest car insurance company in Florida is State Farm, offering coverage for as little as $164 per month.

Average Annual Full Coverage Auto Insurance Rates by State
StateAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAAAverage
AK$1,667 $1,195 $807$737$1,223
AL$1,332 $1,644 $1,099 $1,999 $1,189 $1,388 $1,337 $972$691$1,370
AR$2,007 $1,120 $1,227 $1,581 $1,620 $989$1,367 $674$1,416
AZ$2,226 $1,664 $808$1,436 $1,039 $999$1,292 $780$1,352
CA$1,996 $1,553 $1,732 $1,774
CO$2,054 $1,457 $2,010 $1,161 $1,133 $1,324 $1,490 $1,168 $960$1,475
CT$2,421 $768$2,486 $1,382 $1,641 $1,126 $1,030 $956$1,550
DC$2,976 $855$2,126 $1,420 $1,371 $592$1,750
DE$2,555 $1,243 $6,117 $1,777 $1,115 $1,431 $1,019 $532$2,180
FL$2,263 $1,103 $1,995 $1,272 $1,889 $1,223 $578$1,624
GA$2,035 $754$3,259 $1,878 $1,417 $1,324 $879$1,778
HI$1,113
IA$1,169 $1,008 $1,006 $1,432 $900$930$804$1,143 $678$1,049
ID$1,587 $1,148 $1,139 $708$975$1,018 $653$707$495$992
IL$2,172 $1,405 $587$935$1,146 $1,103 $796$1,077 $767$1,153
IN$1,729 $1,328 $977$785$2,269 $1,198 $849$872$856$529$1,207
KS$1,973 $1,408 $1,781 $923$2,148 $1,141 $1,575 $1,003 $1,071 $697$1,447
KY$988$2,080 $2,277 $1,377 $1,212 $1,725 $886$1,610
LA$2,547 $1,739 $1,990 $1,537 $1,211 $1,953
MA$1,342
MD$2,481 $1,671 $1,313 $1,493 $1,322 $990$1,656
ME$1,334 $1,446 $454$1,485 $1,166 $724$759$455$1,053
MI$5,017 $4,140 $1,219 $5,250 $3,184 $1,880 $2,585 $2,268 $1,320 $3,193
MN$1,977 $1,156 $1,333 $1,118 $4,640 $1,070 $828$837$1,732
MO$1,831 $1,313 $1,674 $1,112 $1,597 $816$1,212 $1,051 $618$1,326
MS$1,822 $886$1,477 $1,190 $1,487 $1,018 $1,092 $671$1,282
MT$1,903 $2,025 $1,020 $726$1,093 $2,109 $870$614$1,392
NC$2,095 $851$1,020 $1,367 $393$949$1,228 $1,129
ND$1,679 $1,793 $1,324 $749$4,919 $949$1,364 $943$542$1,715
NE$1,545 $1,381 $1,606 $1,139 $2,213 $952$1,175 $850$687$1,358
NH$1,585 $624$2,453 $953$785$729$510$1,188
NJ$1,948 $2,861 $917$3,446 $1,154 $1,403 $1,679 $1,915
NM$1,958 $1,615 $1,119 $1,186 $1,069 $855$799$1,300
NV$2,046 $1,734 $1,915 $1,361 $1,375 $1,386 $1,018 $1,272 $1,122 $851$1,470
NY$1,820 $963$2,473 $2,026 $1,188 $1,695 $2,159 $1,053 $1,761
OH$1,483 $764$1,193 $728$1,311 $1,408 $1,051 $863$784$507$1,065
OK$1,668 $1,684 $1,350 $2,279 $1,362 $1,122 $839$1,577
OR$1,896 $1,313 $1,378 $1,155 $1,738 $1,372 $959$926$1,197 $720$1,326
PA$1,829 $843$2,704 $1,066 $1,834 $938$931$705$1,449
RI$2,333 $1,547 $2,905 $2,351 $1,438 $939$1,275 $801$1,827
SC$1,650 $2,059 $979$1,459 $1,294 $1,089 $851$1,422
SD$1,682 $1,867 $1,398 $706$2,849 $943$1,298 $827$1,446
TN$1,777 $1,065 $970$1,464 $1,141 $895$1,090 $723$1,200
TX$2,488 $2,171 $1,303 $1,908 $1,493 $1,109 $772$1,745
UT$1,442 $1,296 $1,417 $906$1,466 $1,154 $1,174 $1,269 $614$1,266
VA$1,277 $859$1,061 $754$785$537$947
VT$1,759 $469$1,242 $954$2,233 $1,079 $523$1,289
WA$1,415 $1,130 $1,260 $922$1,140 $866$746$858$565$1,042
WI$1,521 $774$1,346 $766$1,039 $2,797 $1,158 $721$578$1,265
WV$2,000 $1,030 $2,419 $1,288 $1,362 $979$828$1,513
WY$1,918 $1,604 $1,369 $922$1,017 $705$1,366
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To find cheap insurance in Florida, you should compare Florida car insurance quotes to see which company offers coverage at a price that works for you.

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What are Florida’s minimum coverage requirements?

Drivers in Florida must carry the following minimum coverage to avoid the risk of having their license and registration suspended:

  • $10,000 property damage liability per accident
  • $10,000 personal injury protection (PIP)
  • $10,000 in bodily injury liability per person
  • $20,000 in bodily injury liability per accident

While these minimums are all you’re required to carry if you live and drive in Florida, you should consider having higher levels of coverage for a more robust policy.

What’s included in Florida PIP coverage?

PIP coverage can cover the following:

  • Medical bills
  • Lost wages
  • Cost of in-home care
  • Cost of medical equipment
  • Funeral costs

PIP coverage will cover your injuries and passengers’ injuries but will not cover any damage to your vehicle. Therefore, you will need collision insurance to help pay for the damage caused to your car in a crash. Additionally, you may want to purchase comprehensive insurance to pay for damage to your vehicle that is not accident related.

Is Florida a no-fault state?

Florida is one of several U.S. states that has a no-fault insurance system. Under this statute, anyone involved in a car accident is required to make injury claims under their PIP coverage. 

When payouts are made for injuries, all payments are capped at 80%. This means that drivers are responsible for covering the additional 20% of their medical costs. If injuries are serious enough, the at-fault individual’s bodily injury coverage pays for additional costs. 

Serious injuries often include the following:

  • Significant disfigurement
  • Bone fractures
  • Permanent limitation of a body organ or body part
  • A significant limitation of a body function or system
  • Substantially full disability for 90 days

If an individual has a severe injury resulting from an accident, that person can file a lawsuit against the other driver. The driver’s bodily injury insurance can cover legal fees and the injured person’s medical bills. 

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Do insurance rates in Florida vary based on driving record?

A person’s driving record can significantly impact their Florida car insurance rates, often significantly. Below, you can see how much auto insurance costs in Florida for people with different driving records.

Top 10 Companies' Auto Insurance Average Annual Rates Based on Driving Record
Insurance CompanyRates with a DUIRates with an AccidentRates with a TicketRates with a Clean Record
Allstate$3,638$2,848$2,342$1,993
American Family$2,124$2,000$1,571$1,386
Farmers$2,296$2,383$2,108$1,674
GEICO$2,566$1,595$1,282$984
Liberty Mutual$3,900$2,840$2,600$2,120
Nationwide$3,028$1,983$1,737$1,445
Progressive$1,760$2,284$1,710$1,310
State Farm$1,490$1,285$1,227$1,091
Travelers$2,765$1,888$1,780$1,287
USAA$1,335$996$859$753
Average$2,619$2,123$1,818$1,477
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If you receive a ticket for a traffic violation, you can expect your rates to increase, but if the infraction is severe, you may see a drastic increase in what you pay for coverage.

Can I get SR-22 coverage in Florida?

Florida requires drivers to file an SR-22 form if they receive a DUI, are in multiple accidents or are driving with a suspended license.

If you need an SR-22 form in Florida and you’re already insured, speak with a representative from your insurance company to see whether you can file your form. If the company refuses to help you, you’ll have to find nonstandard coverage with another provider, but you may be able to stay with your same company and simply pay more for coverage.

If you’re searching for cheap SR-22 car insurance in Florida, you should find and compare quotes from multiple companies. This will help you ensure you don’t overpay for coverage. While your rates will increase, there’s no need for you to pay too much for insurance as a high-risk driver. 

What’s the best insurance company in Florida if I have a DUI?

If you have a DUI on your driving record, your insurance rates could increase by 50% or more, and you will be required to carry higher than minimum liability coverage. To find the best rates on coverage, you can compare rates from all the providers in your area to find the cheapest insurance in Florida for a DUI.

The following companies offer coverage for people with a DUI in Florida.

Average Annual Full Coverage Auto Insurance Rates for Drivers with a DUI
Insurance CompanyRates with a DUIRates with a Clean Record
Allstate$3,638$1,993
American Family$2,124$1,386
Farmers$2,296$1,674
GEICO$2,566$984
Liberty Mutual$3,900$2,120
Nationwide$3,028$1,445
Progressive$1,760$1,310
State Farm$1,490$1,091
Travelers$2,765$1,287
USAA$1,335$753
Average$2,619$1,477
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Travelers offers the cheapest rates for someone with a DUI on their record at $2,911 annually. However, on average, the United Automobile Insurance Group charges over $5,600 for coverage. 

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What are some typical car insurance discounts in Florida?

Discounts on coverage vary based on the company, but here are some of the most common discount options for car insurance:

  • Young driver
  • Safe driver
  • Multi-car
  • Multi-policy
  • Loyalty

If you believe you may qualify for a discount on coverage, speak with any company, you’re considering to see how much you could save.

Florida’s Best Car Insurance: The Bottom Line

If you’re searching for cheap car insurance in Florida, the best way to it is to compare quotes from multiple companies in your area. 

When searching for coverage, ensure that any company you’re considering has the coverage you need at a price that works for you.

Frequently Asked Questions

Is Florida a no-fault state?

Florida is a no-fault state, so drivers in Florida must file claims with their own insurers regardless of who caused the car accident.

Who offers the cheapest car insurance in Florida?

State Farm and GEICO offer the cheapest car insurance policies in Florida. But you may find that another company works better for you based on your unique factors.

Will my credit impact my Florida car insurance rates?

Most insurance companies consider a person’s credit when developing insurance rates. So your credit score is likely to impact your car insurance costs. However, the degree to which your credit affects your rates will vary based on many factors.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

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