In our research, we found that average car insurance in Florida (FL) is $180 per month for a full coverage policy. Our guide to buying car insurance for Florida drivers is based on rate data research and expert advice from our veteran staff of insurance analysts and editors. You’ll learn how much coverage to buy, how much it will cost, and learn how auto insurance in Florida works to protect you and your family.
Auto insurance in Florida has some unique qualities compared with insurance in other states, and we’ll help you understand it all. Here we provide state requirements for car insurance in Florida, our recommendations for the coverage you should buy, and insurance laws that are specific to the Sunshine State. Also, you can see the average cost of insurance in Florida for nearly every ZIP code in the state.
That means you’ll know what to expect when shopping for auto insurance in Florida - and you won’t overpay for it. You'll also learn about the following:
- Low cost auto insurance for drivers with tickets
- Companies ranked from cheapest to most expensive for drivers with accidents
- Cheap car insurance for drivers with bad credit
- Drivers in various age groups
- The difference in cost among various coverage levels
- Average rates for three coverage levels and six age groups by ZIP code
- Rates and savings by coverage level, ZIP code and company
- Average increase to rates for accidents, tickets, bad credit
- Best Florida car insurance companies based on customer satisfaction survey

- How much is car insurance in Florida?
- Cheapest car insurance in Florida
- Cheap car insurance in Florida
- Best car insurance in Florida
- Car insurance quotes in Florida: How to get affordable auto insurance rates in FL?
- List of car insurance companies in Florida
- Florida Auto Insurance Laws & Minimum State Requirements
- More resources and FAQ’s for Auto Insurance in Florida
How much is car insurance in Florida?
The average cost of car insurance in Florida is $180 a month ($2,162 a year) for a driver age 30 for full coverage. That’s $33 more than the national monthly average rate of $147. The average car insurance rate for state minimum coverage is $69 a month, or $828 a year.
Florida Car Insurance Rates by ZIP Code
Enter a ZIP code in the tool above to see the average premium for the location. You will also see the highest and lowest rates from up to six major carriers surveyed. You can get a more customized rate by choosing from among six age groups and three coverage levels. This way you can tell if your quotes are too high and if you should keep shopping for a lower rate.
Cheapest car insurance in Florida
USAA and Geico have the cheapest auto insurance in Florida among carriers surveyed in our experts’ data analysis of rates for nearly all ZIP codes in the state. Below you'll see average annual rates for Florida, ranked cheapest to most expensive, for three coverage levels:
- State minimum liability requirements
- Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
- Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible
Company | State minimum average annual rate | 50/100/50 average annual rate | 100/300/100 average annual rate |
---|---|---|---|
USAA Gen Ind Co | $358 | $473 | $1,111 |
Geico Gen Ins Co | $540 | $752 | $1,701 |
State Farm Mut Auto Ins Co | $789 | $977 | $1,912 |
Allstate Fire & Cas Ins Co | $1,008 | $1,465 | $3,049 |
Allied Prop & Cas Ins Co | $1,122 | $1,537 | $2,768 |
Progressive Select Ins Co | $1,151 | $1,393 | $2,433 |
State Farm is the cheapest car insurance in FL for drivers with bad credit, among those surveyed by our experts. Car insurance for drivers with bad credit costs significantly more than it does for those with good credit. Florida ranks 15th among the worst states for drivers with bad credit, as CarInsurance.com's data analysis shows. Compared to good credit drivers, those in Florida with bad credit pay 74 percent more, on average. The good news is that you can still shave some money off your coverage costs if you compare car insurance companies. You'll see below that the difference among major insurers is nearly $2,618 for a full coverage policy for a driver with bad credit. That's how much you can potentially save by comparing car insurance quotes.
Company | Poor credit |
---|---|
State Farm Mutual Auto | $2,704 |
GEICO General | $3,182 |
21st Century Centennial | $3,348 |
Allied P&C PPCM | $3,794 |
Allstate F&C | $5,206 |
Progressive Select | $5,322 |
Geico General has the cheapest car insurance, based on our expert analysis of six major carriers, for young drivers in Florida. Enter an age from 18 to 25 to see who has the best rates for young drivers in Florida, by company, buying a full coverage policy. You’ll see in the chart below which car insurance companies have the lowest rates for young drivers buying a full coverage policy. Average car insurance rates by age data shows that drivers typically pay higher rates until age 26, when rates begin to drop as drivers gain more experience on the road. But even young drivers can save money by comparing car insurance rates to see which company has the lowest rates, by qualifying for student discounts and by staying on their parents’ policy as long as possible.
Geico General also ranks as the cheapest for more mature drivers in Florida. Below you can see average rates by company, from least to most expensive, for drivers age 65 and over, buying a full coverage policy. In addition to comparing car insurance companies, mature drivers may qualify for a senior discount, which may also trim costs.
No matter where you live, adding a new driver to your family policy will hike your rate significantly. In Florida, you can expect your rate to go up by an average of 144 percent when adding a driver age 16 to your coverage, according to CarInsurance.com rate data. You'll see in the table below how much it costs, on average, to add a teen driver in Florida, and how major insurers compare on price. Geico had the lowest auto insurance cost for adding a driver age 16 to a full coverage family policy, among insurers surveyed.
Company | Average Rate | Average Rate after adding female teen | $ Increase (female) | Average Rate after adding male teen | $ Increase (male) |
---|---|---|---|---|---|
21st Century Centennial | $2,384 | $4,268 | $1,884 | $4,834 | $2,451 |
Allied P&C PPCM | $2,543 | $4,692 | $2,149 | $5,506 | $2,963 |
Allstate F&C | $2,573 | $5,503 | $2,930 | $5,825 | $3,252 |
GEICO General | $1,594 | $2,505 | $911 | $3,577 | $1,983 |
Progressive Select | $2,818 | $7,337 | $4,519 | $8,070 | $5,252 |
State Farm Mutual Auto | $1,590 | $4,109 | $2,519 | $5,163 | $3,573 |
In Florida, a recent accident claim will hike your rates by an average of 35%. However, exactly how much more you pay depends on several factors, and your car insurance company is one of those significant factors. Each company assesses risk differently, so that's why the increase after an accident will vary among insurers. Among those surveyed, State Farm had the cheapest car insurance in Florida for drivers with a recent accident. Here is how major carriers compare after at-fault accidents for the average Florida driver with a full coverage policy:
Company | 1 At-fault property damage accident over $2K | 2 At-fault property damage accident over $2k | At-fault bodily injury accident |
---|---|---|---|
21st Century Centennial | $5,241 | $6,537 | $4,410 |
Allied P&C PPCM | $3,606 | $4,768 | $3,606 |
Allstate F&C | $3,171 | $4,582 | $3,171 |
GEICO General | $1,733 | $2,771 | $1,733 |
Progressive Select | $2,818 | $5,758 | $2,818 |
State Farm Mutual Auto | $1,703 | $2,759 | $1,703 |
Based on our data, State Farm has the lowest rate for Florida drivers with a recent speeding violation. If you get a speeding ticket, chances are you'll see an increase in what you pay for car insurance, upon your policy renewal. In Florida, a minor speeding ticket will hike your rate by an average of 27 to 31%. Typically, you'll pay more for three years. But even with a traffic ticket, comparison shopping can save you money. For instance, you'll see that the difference between the highest rate and the lowest in the table below is more than $2,000, on average, according to CarInsurance.com's rate analysis. That's how much you can save by comparing car insurance companies.
Company | Average Rate |
---|---|
State Farm Mutual Auto | $1,703 |
GEICO General | $2,771 |
Allstate F&C | $2,836 |
21st Century Centennial | $3,216 |
Allied P&C PPCM | $3,362 |
Progressive Select | $3,762 |
Cheap car insurance in Florida
Buying the state required limits to drive legally, or the state minimum, is definitely the cheapest way to go. But if you opt for the cheapest car insurance in Florida, you are only covered for damage you do to other drivers’ cars and for others’ injuries. That means your insurer won’t pay for damage to your car or for your injuries if you cause an accident. Still, buying just the minimum coverage required is a good idea if you have an old car or don’t drive much.
It does cost more to buy more protection, but as you’ll see in the chart below, additional coverage is typically affordable. Increasing your insurance from the state minimum to full coverage with $500 deductible costs, on average, $1,334, more, or about $110 a month. To boost just your liability limits, the extra cost is just $272 a year, so only about $22 monthly.
Coverage limits | Average annual rate |
---|---|
Liability Only - state minimum | $828 |
Liability Only - 50/100/50 BI/PD | $1,100 |
Full Coverage - 100/300/100 BI/PD $500 Comp/Collision deductible | $2,162 |
Best car insurance in Florida
Scores are based on Insure.com’s “Best Insurance Companies” customer review survey of 3,700 customers. Policyholders ranked insurers on claims handling, customer service, value, mobile apps/website usefulness and were asked if they would renew their coverage and if they would recommend the company. All scores are out of 100.
Who are the best car insurance companies in Florida?
- The Auto Club Group - AAA 91.89
- Auto Club of Southern California* 90.77
- CSAA Insurance Group 89.67
- USAA 88.54
- Mercury 87.97
- Erie 87.76
- Metlife 86.71
- Nationwide 86.34
- Progressive 86.02
- Safeco 85.7
- American Family 85.47
- Hartford 85.44
- Allstate 85.32
- The General 84.48
- State Farm 83.6
- Geico 83.22
- Liberty Mutual 80.98
- Farmers 80.24
- Esurance 79.19
- Travelers 76.07
*Auto Club of Southern California(Auto Club Enterprise Insurance Group)
Car insurance quotes in Florida: How to get affordable auto insurance rates in FL?
The most effective way to find affordable car insurance in Florida is to compare car insurance quotes from multiple carriers. Your age, your driving record, the model of car you have, the severity and frequency of claims in your neighborhood and other variables are used by insurance companies to figure out the cost of your policy. That’s why the price for the same coverage can vary significantly among insurance companies — and why you should compare rates.
For example, Miami ZIP code 33125 is among the most expensive ZIP codes for full coverage insurance in the state. But you can still save on coverage by comparing rates. The highest monthly rate ($370) among six carriers is $244 more than the lowest ($126). So over a year, that add up to nearly $2,928 you could save. If you want to compare car insurance quotes, use our tool above. You should comparison shop upon renewal, but also if you move, add a vehicle or teen driver to your policy, get married or divorced, or have a significant change in your credit score.
Other tips for garnering the most affordable Florida car insurance quotes include:
- Maximizing discounts, for instance bundling your home and auto with the same company can trim an average of 10% to 12% from your auto rates.
- Dropping comprehensive and collision for cars that are worth less than $3,000
- Hiking your deductible amount, for instance, from $500 to $1,000
You can get Florida auto insurance quotes online by researching multiple carriers.
When comparing car insurance quotes, you will typically need to provide fairly basic information:
- ZIP code
- Basic personal information – name, age, birthday
- Driving history
- Current insurance company
- Information on other drivers in your household
- Vehicle make and model
- Desired coverage types, limits and deductibles
More detailed quotes may also require:
- All vehicles VIN (vehicle identification number)
- If you own, lease or financed your vehicle
- Annual mileage
- All household driver’s license numbers
- Amount of time you’ve been insured
Once you provide the information, you will typically get a quote that is in many cases an estimate of what you will pay. Generally, you won’t get the actual rate until you lock in a policy. If the difference between the quote and your rate is significant, you can opt out of buying the policy, though generally the estimate will be fairly accurate. Once you are ready to buy a policy you will for certain need to have handy specific information, such as your driver’s license number, VIN and so on.
Florida is the sixth most expensive state for car insurance, based on our expert analysis of rates for full coverage. There are several factors that contribute to expensive car insurance rates in Florida:
- The state has the highest rate of uninsured drivers (26.7%) in the nation. That means claims are more expensive, overall, for carriers, who then pass the cost on to policyholders.
- Lots of drivers in the state are considered high-risk. Florida has lots of inexperienced drivers, due to the many colleges and universities in the state, lots of elderly drivers as its home to many retirement communities and also hosts drivers unfamiliar with the local roads as s tourist destination. Again, all this adds to a high rate of claims for insurance companies, relatively speaking.
- Florida sees a significant percentage of claims with attorney involvement, which will often result in higher costs for the insurer. Those costs are passed on to all policyholders via higher premiums.
- The state is prone to severe storms. Damage from hail, wind and flooding hikes the amount of claims, and costs, insurance companies have to absorb, which in turn, is yet again passed on to drivers through higher rates.
Unlike many other states, Florida requires personal injury protection (PIP), which tacks on costs to even bare bones policies. Roughly 20 percent of a car insurance premium goes to PIP coverage
Below you'll see how average annual rates for several of the largest cities in the state compare to state and national averages. Rates are for coverage of $100,000 per person/$300,000 per accident in liability and $50,000 of property damage coverage, with comprehensive and collision carrying a $500 deductible.
City | Average Premium |
---|---|
Boynton Beach | $2,826 |
Daytona Beach | $1,880 |
Fort Lauderdale | $2,655 |
Hialeah | $3,190 |
Hollywood | $2,818 |
Jacksonville | $2,105 |
Miami | $3,094 |
Naples | $1,799 |
Orlando | $2,144 |
Pembroke Pines | $2,548 |
Pensacola | $1,929 |
Tallahassee | $1,841 |
Tampa | $2,835 |
Florida | $2,162 |
National | $1,759 |
List of car insurance companies in Florida
Rank | Company | Premiums Written | Market Share |
---|---|---|---|
1 | Berkshire Hathaway Insurance Group | 4,678,326 | 24.44% |
2 | State Farm Group | 3,042,871 | 15.89% |
3 | Progressive Insurance Group | 3,031,444 | 15.84% |
4 | Allstate Insurance Group | 1,842,800 | 9.63% |
5 | USAA Group | 1,357,367 | 7.09% |
6 | Liberty Mutual Insurance Companies | 617,089 | 3.22% |
7 | Travelers Group | 444,623 | 2.32% |
8 | Farmers Insurance Group | 337,872 | 1.76% |
9 | Nationwide Group | 131,959 | 0.69% |
10 | American Family Insurance Group | 56,791 | 0.30% |
Source: A.M. Best; State/Line (P/C Lines) - P/C, US; Data as of: November 28, 2018
Florida Auto Insurance Laws & Minimum State Requirements
More resources and FAQ’s for Auto Insurance in Florida
Full coverage car insurance in Florida, as recommended by CarInsurance.com Senior Consumer Analyst Penny Gusner, is as follows:
- $100,000 bodily injury liability per person, up to $300,000 per accident
- $100,000 property damage liability
- $10,000 personal injury protection (PIP)
- Comprehensive and collision coverage, each with a $500 deductible
To save money, drivers on a budget are often on the hunt for insurance coverage that won’t have a large first payment, the one that puts their policy into effect. That’s because the first payment is sometimes a bit more than the rest of your regular payments.
The amount of money you'll have to pay to put your car insurance coverage into effect will depend on your insurance company, your location, your age, the type of car you drive and your driving history, among other factors. So, the best way to find coverage that has a “low down payment,” is really as simple as comparing car insurance quotes in the same fashion you would to find the most affordable rates.
You can still find affordable car insurance even if you’ve had an accident, or have been ticketed for a moving violation, such as speeding, or your credit score isn’t the best it could be. Though these variables generally mean your car insurance company will hike your rate, you can still save by comparing car insurance quotes. That’s because some insurance companies may increase your cost a lot, but others may not, depending on their unique underwriting formulas for pricing policies.
For others, however, buying insurance from a standard carrier may no longer be an option. If you have serious moving violations on your record or have a history of accidents, private car insurance companies may not sell you a policy, deeming you too much of a risk to make it worthwhile. In these instances, you would buy coverage from the Florida Automobile Joint Underwriting Association (FAJUA), which is for high-risk drivers denied coverage elsewhere.
You can purchase a policy from FAJUA like you would from any other carrier, but it is meant as a temporary bridge to cover you until you are eligible for a traditional policy. Because FAJUA was created specifically for high-risk drivers, the cost is more significant than a standard policy. To find an agent near you, consult FAJUA’s directory on their website: http://www.fajua.org/directory.