Best car insurance in Florida (FL) 2024
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“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Updated 5:03 a.m. UTC July 1, 2024
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Travelers has the best car insurance in Florida in 2024. Among the companies we analyzed, it has the cheapest car insurance for good drivers, costing an average of about $189 per month, or $2,264 per year. That’s over $1,750 cheaper than the Florida statewide annual average of $4,023 for car insurance for good drivers. Travelers also has a low level of consumer complaints, implying that many customers are satisfied with the customer service and claims handling.
The best car insurance companies in Florida
- Travelers: Best car insurance in Florida.
- Geico: Best car insurance for poor credit in Florida.
- State Farm: Best car insurance for DUI in Florida.
- Progressive: Best car insurance for customer satisfaction in Florida.
Why trust our car insurance experts
Our team of car insurance experts has decades of experience as licensed property and casualty experts, insurance editors and consumers. We approach car insurance analysis as if we were shopping for ourselves or our family members, focusing on rates, coverage and features available, customer complaints and the collision repair process.
Using a data-driven methodology, we evaluate hundreds of auto insurance products, analyze thousands of data points and rate each insurer to help you find the best car insurance product for your situation. Advertisers never influence our editorial content. You can read more about our methodology below.
- 10 Florida car insurance companies reviewed.
- 90 Florida car insurance rates analyzed.
- 5 levels of fact-checking.
Cheap Florida car insurance rates for 2024
Top-rated car insurance companies in Florida
Compare the car insurance companies in Florida
| FLORIDA CAR INSURANCE COMPANY | OUR RATING | AVERAGE MONTHLY CAR INSURANCE COST IN FLORIDA | CUSTOMER COMPLAINT LEVEL | LEARN MORE | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
| $189 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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| $203 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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| $224 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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| $273 | Very low | Compare Rates Compare rates offered by participating partners | ||||||||
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How much does car insurance cost in Florida?
The average cost of car insurance in Florida is $4,023 per year, or $335 per month for a good driver shopping for full coverage.
A poor driving record (at-fault accidents, speeding tickets and DUIs) can have a significant impact on how much car insurance costs in Florida, but an even bigger factor is your credit score. Drivers with a poor credit history pay an average of $7,197 a year.
Other factors can impact your auto insurance premiums including where in the state you live, (down to the ZIP code), your age, gender and vehicle. Your policy limits and selected deductible will also have a sizable impact on your final costs.
Average cost of car insurance by city and company in Florida
Here is how much different car insurance companies charge for a full coverage auto policy for drivers with a clean record in Cape Coral, Jacksonville, Miami, Orlando and Tampa.
Cheapest car insurance companies in Florida
Here are the Florida car insurance companies that offer coverage for less than the statewide average of $4,023 a year for a good driver.
| FLORIDA CAR INSURANCE COMPANY | AVERAGE MONTHLY RATE IN FLORIDA | AVERAGE ANNUAL RATE IN FLORIDA | AMOUNT BELOW STATE AVERAGE | LEARN MORE | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
| $189 | $2,264 | -$1,759 | Compare Rates Compare rates offered by participating partners | |||||||
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| $203 | $2,431 | -$1,592 | Compare Rates Compare rates offered by participating partners | |||||||
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| $224 | $2,693 | -$1,330 | Compare Rates Compare rates offered by participating partners | |||||||
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| $273 | $3,275 | -$748 | Compare Rates Compare rates offered by participating partners | |||||||
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 UAIC | $275 | $3,294 | -$729 | Compare Rates Compare rates offered by participating partners | ||||||
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Cheapest car insurance by driver profile
- After a speeding ticket
- After an accident
- After a DUI
- Poor credit
- After a gap in coverage
- High-risk drivers
Cheapest car insurance after a speeding ticket in Florida
The cheapest car insurance after a speeding ticket in Florida is State Farm. It’s the only insurer out of our top-scoring company that offers rates below $2,900 per year for drivers with a speeding ticket.
| CAR INSURANCE COMPANY | AVERAGE FL ANNUAL CAR INSURANCE RATE | AVERAGE FL MONTHLY CAR INSURANCE RATE |
|---|---|---|
$2,897
| $241
| |
$2,983
| $249
| |
$4,157
| $346
| |
$4,204
| $350
| |
UAIC
| $4,280
| $357
|
Florida average
| $4,914
| $410
|
Cheapest car insurance after an accident in Florida
If you have an accident with injuries on your record, you’ll find the cheapest rates in Florida with State Farm, according to our analysis of rates. If you have an accident with property damage on your record, consider getting quotes from Travelers.
Cheapest car insurance after an accident with injuries
| CAR INSURANCE COMPANY | AVERAGE FL ANNUAL CAR INSURANCE RATE | AVERAGE FL MONTHLY CAR INSURANCE RATE |
|---|---|---|
$3,118
| $260
| |
$3,238
| $270
| |
$3,459
| $288
| |
UAIC
| $4,304
| $359
|
$4,756
| $396
| |
Florida average
| $5,790
| $483
|
Cheapest car insurance after an accident with property damage
| CAR INSURANCE COMPANY | AVERAGE FL ANNUAL CAR INSURANCE RATE | AVERAGE FL MONTHLY CAR INSURANCE RATE |
|---|---|---|
$3,104
| $259
| |
$3,118
| $260
| |
$3,459
| $288
| |
UAIC
| $4,304
| $359
|
$4,757
| $396
| |
Florida average
| $5,775
| $481
|
Cheapest car insurance after a DUI in Florida
The cheapest car insurance after a DUI in Florida is offered by State Farm. State Farm is the only insurer in our analysis that offers car insurance after a DUI for under $3,000 per year.
| CAR INSURANCE COMPANY | AVERAGE FL ANNUAL CAR INSURANCE RATE | AVERAGE FL MONTHLY CAR INSURANCE RATE |
|---|---|---|
$2,900
| $242
| |
$3,304
| $275
| |
$3,692
| $308
| |
$3,973
| $331
| |
UAIC
| $4,856
| $405
|
Florida average
| $5,051
| $421
|
Cheapest car insurance with poor credit in Florida
Drivers with poor credit will struggle to find cheap car insurance rates in Florida. On average, drivers with bad credit pay about $7,197 a year for coverage. United Automobile Insurance Co. (UAIC) offers the cheapest rates for drivers with poor credit that we analyzed, however it did not make our top-scoring companies rating because its complaints level and overall rates were higher than other companies that did make our list.
If you have poor credit but want car insurance through a top-scoring company, check out Geico.
Cheapest car insurance after a gap in coverage Florida
If you let your auto insurance lapse, you typically will see an increase in rates when you go to purchase a policy. If you have a gap in car insurance in Florida, consider getting quotes from Geico and State Farm.
| CAR INSURANCE COMPANY | AVERAGE FL ANNUAL CAR INSURANCE RATE | AVERAGE FL MONTHLY CAR INSURANCE RATE |
|---|---|---|
$2,431
| $203
| |
$2,694
| $225
| |
$2,920
| $243
| |
UAIC
| $3,295
| $275
|
$3,300
| $275
| |
Florida average
| $4,912
| $409
|
Cheapest car insurance for high-risk drivers in Florida
Florida car insurance companies may consider you high-risk if you’ve caused accidents, racked up speeding tickets or were charged with a DUI. Drivers with poor credit also get the high-risk label, and insurance providers can even use your age to determine your risk level.
If insurers see you as a high-risk driver, consider Geico and Travelers. Both are competitively priced compared to the Florida average.
| CAR INSURANCE COMPANY | AVERAGE FL ANNUAL CAR INSURANCE RATE | AVERAGE FL MONTHLY CAR INSURANCE RATE |
|---|---|---|
$3,653
| $304
| |
$3,379
| $282
| |
UAIC
| $4,056
| $338
|
$4,332
| $361
| |
$4,632
| $386
| |
Florida average
| $5,607
| $467
|
Car insurance requirements in Florida
Florida employs a no-fault system for car insurance, meaning drivers involved in an accident make claims on their own policies first, regardless of who is at fault.
So how much car insurance do you need if you own a car in Florida? At a minimum, Floridians must carry:
- $10,000 minimum personal injury protection (PIP).
- $10,000 minimum property damage liability (PDL).
PIP in Florida
Personal injury protection (PIP) can cover injuries to you and your passengers, no matter who is at fault for an accident.
In Florida, basic PIP can have varying deductibles ($0 to $1,000) and the coverage pays for:
- 80% of all medical expenses up to $10,000 for covered injuries.
- 60% of lost wages if you can’t work following an accident.
- $5,000 in death benefits.
You may be able to upgrade to extended PIP. It’ll still max out at $10,000 in benefits, but you’ll get 100% of medical costs covered and 80% of lost wages. There’s also an option for 100% in medical costs but no lost wages.
Some insurers may offer additional PIP benefits that raise the coverage limits.
Property damage liability in Florida
Florida state law also requires drivers to carry $10,000 in property damage liability insurance. This only pays for damage to other people’s property, like their vehicle, if you’re at fault in an accident. Even though Florida is a no-fault state, if you cause an accident you could still be sued for damages.
How to save on car insurance in Florida
Florida has the second-highest car insurance rates in the country, but that doesn’t mean you have to resign yourself to a tight monthly budget. Here are a few tips for lowering your auto insurance costs.
Shop around
Shopping around for a cheaper option at each policy renewal — or at least every couple of years — could get you a lower rate. Start with our list of the cheapest car insurance companies in Florida, but you can broaden your search by working with an independent insurance agent or using an online insurance marketplace to compare car insurance quotes.
Expert tip: Make sure your policy comparisons are apples to apples. That means comparing policies with the same deductibles and coverage limits to see which one is the cheapest.
Ask about car insurance discounts in Florida
Many car insurance companies offer discounts to help you save.
Some common car insurance discounts include:
- Bundling home and auto policies, or a multi-policy discount.
- Adding an additional vehicle to the policy, or a multi-vehicle discount.
- Completing a defensive driving course.
- Being a good student.
- Going multiple policy periods without any claims (sometimes called a good driver discount).
- Paying for your policy in full instead of every month.
Adjust your coverage
Another way to drop your monthly car insurance costs is to adjust your coverage. You can do this in a few different ways.
- Increase your deductibles: Drivers who only carry the state minimum insurance in Florida have to set a deductible for their PIP. The higher deductible you choose, the more you’ll have to pay out of pocket before medical coverage kicks in — but you’ll enjoy lower monthly premiums for your insurance. Similarly, drivers who get full coverage can lower their rates by opting for higher deductibles on their collision and comprehensive coverage.
- Lower your limits: On the flip side, Floridians can also reduce their monthly insurance costs by lowering their limits. Your coverage limits represent the max payout from insurance in a covered incident. Bear in mind that reducing your limits too low could mean you’d be on the hook for tens of thousands of dollars in a particularly expensive collision if damages exceed policy limits. In general, it’s a safer bet to raise your deductible before lowering your coverage limits.
- Drop optional coverages: Review your policy to make sure you are not paying for coverages you don’t need or can manage without in exchange for savings. This may be the case with policy enhancements, like roadside assistance or mechanical breakdown insurance. The same may be true of comprehensive and collision insurance if you drive an older vehicle that’s not worth the annual premium.
Practice safe driving
Car insurance companies typically reward safe driving in a number of ways, including discounts for going claims free for a specific period of time.
- Usage-based car insurance. This allows the insurer to track your driving, often through a smartphone app. If you practice good driving habits, you could see a rate reduction. But be warned: Unsafe driving may actually have the opposite effect, depending on your insurer and the program.
- Approved driving courses. If you’re a driver over age 55 and complete a defensive drivers course, a discount is mandated by the state. However, some insurers offer discounts to drivers in other age groups if they complete a driving safety or training course.
Methodology
Our team of insurance experts evaluated 10 Florida car insurance companies to determine those that offer the best coverage based on average rates and consumer complaints. Based on the following factors, each insurer was eligible for up to 100 points.
- Cost: 60 points. Analysis of Quadrant Information Services rates for a policy with 100/300/100 in liability coverage, uninsured motorist coverage and comprehensive and collision coverage. We also analyzed average rates for various driver profiles and identified the best cheap insurer for each. Driver profiles include:
- Driver with an accident, speeding ticket or DUI on their record.
- Driver with a gap in coverage.
- Teen drivers added to a parent’s policy.
- High-risk driver.
- Customer complaints: 40 points. We looked at data from the National Association of Insurance Commissioners (NAIC), which shows the volume of car insurance consumer complaints against each company. When a consumer lodges a complaint to their state’s department of insurance — often about an insurance company’s claims process, delays, denials or settlements — these complaints are logged and tracked.
Why some companies didn’t make the cut
Car insurance companies in Florida with high good driver rates may rate well in our analysis of the best auto insurance companies but did not make the cut for our best car insurance in Florida. We did not include companies with low or no market share in Florida.
In some cases, an insurer didn’t make the cut for our best car insurance in Florida but offers the cheapest car insurance for a specific driver profile. When applicable, these companies are included in the list of insurers for the relevant driver profile category.
Best car insurance in Florida FAQs
Travelers has the cheapest car insurance in Florida, on average. Our analysis found that the typical Floridian with a clean driving record can get full coverage auto insurance for an average of $189 per month, or $2,264 per year with Travelers. That’s nearly $1,760 in savings compared to the Florida national average.
Basic car insurance in Florida costs an average of $1,529 per year. This reflects the average price of a policy that meets Florida’s minimum insurance requirements, which include:
- $10,000 in personal injury protection.
- $10,000 in property damage liability.
If you’ve never registered a vehicle in Florida, your initial registration fee will be $225. After that, vehicle registration in Florida costs between $14.50 and $32.50, depending on the weight of the vehicle:
- Registration for vehicles 2,499 pounds and under costs $14.50.
- Registration for vehicles between 2,500 and 3,499 pounds costs $22.50.
- Registration for vehicles 3,500 pounds and up costs $32.50.
Motorcycles, heavy-duty trucks and other autos have varying registration costs, all of which can be found on the Florida Department of Highway Safety and Motor Vehicles website.
Original and replacement license plate fees in Florida are $28.
The Insurance Research Council released a study in 2023 identifying key factors that contribute to Florida’s steep insurance rates. These factors include:
- Uninsured motorists: Florida is home to one of the highest uninsured motorist populations in the nation. This drives up costs for drivers who do carry insurance.
- Injury claims and severity. When compared to the national average, Floridians are 40% more likely to file injury claims after an accident. The severity of the injuries also results in higher payouts when compared to the other states.
- Post-accident litigation. Floridians are more likely to hire attorneys after an accident, which often leads to higher claim payouts.
- Higher repair costs. Repair costs drive property claim payouts, and though Florida residents enjoyed relatively low repairs costs in the past, that trend is changing and residents, and therefore insurers, are paying more after a collision or other incident that requires vehicle repairs.
- Number of accidents. Florida’s property damage liability claims per 100 insured vehicles exceed the national average by 10%. That means Florida drivers experience accidents more frequently than elsewhere in the country.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
