The cheapest full coverage car insurance in Florida is $177 , saving you $47 compared to the average cost of insurance in the state, which is around $224 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Florida, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Florida should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- State Farm has the cheapest car insurance rates in Florida for full coverage at $177 a month among the companies analyzed by the team of CarInsurance.com.
- In Florida, drivers with clean driving records pay 26% less than drivers with a DUI.
- The city of Paxton has the lowest auto insurance rates in Florida, with an average premium of $2,286 per year.
- You can save up to 21% per year on your car insurance policy in Florida by comparing price quotes from multiple insurers.
Car insurance companies with cheap car insurance in Florida
Based on data analysis by CarInsurance.com, State Farm provides the cheapest full coverage auto insurance rates for Florida drivers at a monthly rate of $177 or $2,119 a year.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Florida. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Florida per month
| Company | Full Coverage Monthly Rates |
|---|---|
| State Farm | $177 |
| Nationwide | $179 |
| Geico | $185 |
| Travelers | $196 |
| United Automobile Insurance | $233 |
| Progressive | $242 |
| National General Insurance | $259 |
| Farmers | $272 |
| Mercury Insurance | $280 |
| Allstate | $297 |
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Who pays a lower insurance premium in Florida?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 6% less than single drivers.
- Florida drivers with clean records pay 26% less than drivers who have a DUI on their records.
- Florida drivers in their 20s pay 52% lower rates for insurance than a 16-year-old in Florida.
- Adding a teen to your policy will cost you 70% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 23% less on their insurance premiums.
- Drivers insured for three or more years can save up to 24% on their insurance costs.
Cheapest companies for different coverage levels in Florida
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Geico is the cheapest for a state minimum policy.
- Travelers has the cheapest rates for a liability-only policy (50/100/50).
- State Farm offers the cheapest car insurance for a full coverage policy (100/300/100) in Florida.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest state minimum coverage in Florida
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Florida, you must have at least the following insurance coverage on your car.
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $10,000/$20,000 |
| Minimum property damage liability | $10,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in Florida, ranked from cheapest to most expensive for state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| Geico | $561 |
| State Farm | $647 |
| Travelers | $715 |
| Nationwide | $841 |
| Farmers | $925 |
| Mercury Insurance | $1,020 |
| Allstate | $1,084 |
| National General Insurance | $1,166 |
| Progressive | $1,383 |
| United Automobile Insurance | $1,702 |
Cheapest insurance providers for liability-only coverage in Florida
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Florida, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Travelers | $1,150 |
| State Farm | $1,170 |
| Geico | $1,238 |
| Nationwide | $1,384 |
| Farmers | $1,716 |
| Allstate | $1,835 |
| National General Insurance | $1,912 |
| Mercury Insurance | $2,007 |
| Progressive | $2,045 |
| United Automobile Insurance | $2,150 |
Cheapest full coverage car insurance in Florida
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below shows the average annual rates from major insurance providers in Florida, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| State Farm | $2,119 |
| Nationwide | $2,150 |
| Geico | $2,214 |
| Travelers | $2,356 |
| United Automobile Insurance | $2,796 |
| Progressive | $2,902 |
| National General Insurance | $3,103 |
| Farmers | $3,261 |
| Mercury Insurance | $3,358 |
| Allstate | $3,569 |
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Florida by driving history
In Florida, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $1,095 more annually in Florida than an individual with a clean driving record.
Cheap car insurance rates after a speeding ticket in Florida
A speeding ticket can impact your Florida car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $2,356 a year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $2,189 | $2,356 | 8% | $167 |
| Geico | $1,674 | $2,516 | 50% | $842 |
| Travelers | $2,573 | $3,771 | 47% | $1,198 |
| Nationwide | $2,610 | $3,937 | 51% | $1,326 |
| Mercury Insurance | $3,194 | $4,126 | 29% | $932 |
| National General Insurance | $3,805 | $4,348 | 14% | $543 |
| Progressive | $3,452 | $4,823 | 40% | $1,371 |
| Farmers | $4,423 | $5,381 | 22% | $958 |
Cheapest car insurance premiums in Florida after a DUI conviction
CarInsurance.com analyzed insurance rates for Florida drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $2,356 . Geico is the second-cheapest insurer at an average of $3,043 per year.
Drivers with clean driving records can expect to pay an average of 26% less than those with a history of DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $2,189 | $2,356 | 8% | $167 |
| Geico | $1,674 | $3,043 | 82% | $1,369 |
| National General Insurance | $3,805 | $3,964 | 4% | $160 |
| Travelers | $2,573 | $3,974 | 54% | $1,401 |
| Progressive | $3,452 | $4,142 | 20% | $690 |
| Allstate | $3,233 | $4,198 | 30% | $964 |
| Farmers | $4,423 | $4,751 | 7% | $328 |
| Mercury Insurance | $3,194 | $4,824 | 51% | $1,630 |
| Nationwide | $2,610 | $5,397 | 107% | $2,787 |
Cheap car insurance companies in Florida after an at-fault accident
If you’re a driver with an at-fault accident on your record, Geico is the cheapest option, offering car insurance at an average cost of $2,420 annually.
State Farm is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $2,522 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| Geico | $1,674 | $2,420 | 45% | $745 |
| State Farm | $2,189 | $2,522 | 15% | $333 |
| Travelers | $2,573 | $3,595 | 40% | $1,022 |
| Nationwide | $2,610 | $3,622 | 39% | $1,012 |
| National General Insurance | $3,805 | $5,020 | 32% | $1,215 |
| Allstate | $3,233 | $5,053 | 56% | $1,820 |
| Progressive | $3,452 | $5,454 | 58% | $2,001 |
| Mercury Insurance | $3,194 | $5,635 | 76% | $2,442 |
| Farmers | $4,423 | $6,249 | 41% | $1,826 |
Cheapest car insurance rates by state
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Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
Paxton is the city with the lowest premiums in Florida at an annual auto insurance rate of $2,286 .
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Find below a list of Florida cities with the lowest car insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Paxton | $2,286 |
| Argyle | $2,289 |
| Mossy Head | $2,292 |
| Santa Rosa Beach | $2,296 |
| Apalachicola | $2,298 |
| Freeport | $2,303 |
| De Funiak Springs | $2,304 |
| Eastpoint | $2,307 |
| Defuniak Springs | $2,313 |
| Carrabelle | $2,322 |
Explore the top 10 factors that influence car insurance rates
How much can you save on auto insurance in Florida?
Shopping around for car insurance quotes in Florida can help drivers save 21% annually on full coverage policies.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Florida: Save on premiums
In Florida, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Florida below.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 3% | $105 |
| Anti-theft device | 1% | $18 |
| Days advanced purchase | 5% | $238 |
| Education | 5% | $149 |
| Electronic funds transfer | 3% | $138 |
| Electronic signature | 10% | $313 |
| Homeowner | 5% | $217 |
| Lower annual mileage | 6% | $203 |
| Loyalty – years renewal with company | 7% | $212 |
| Marital status | 6% | $212 |
| Multi policy | 8% | $295 |
| Paperless/electornic documents | 3% | $130 |
| Payment type | 10% | $455 |
| Primary use | 7% | $227 |
| Profession | 16% | $518 |
| Purchase status | 5% | $217 |
| Safety devices | 3% | $106 |
| Telematics | 10% | $357 |
| Years insured | 22% | $1,441 |
| Years licensed | 21% | $1,308 |
The bottom line on cheap car insurance in Florida
Our research shows that State Farm has the cheapest full coverage car insurance rates in Florida for individuals with a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Florida, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Florida for three different coverage levels:
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Florida