Florida drivers know how expensive car insurance in the Sunshine State can be. Drivers in Florida pay some of the highest rates in the nation, so when they find an insurer they can trust, they stick with it.
The best car insurance companies in Florida hit the sweet spot for price, customer service and claims satisfaction. Keep reading to learn which insurance companies are the best in Florida.
CarInsurance.com Insights
- State Farm is the best car insurance company in Florida, with lower rates than competitors and a top-notch customer satisfaction score from J.D. Power.
- No. 2 Geico is slightly more expensive than State Farm but has a lower NAIC Complaint Index score.
- State Farm also offers the cheapest average rates for high-risk drivers.
Check out our experts recommendations for the best car insurance coverage
Best car insurance companies in Florida
State Farm is the best carrier among the carriers we examined when choosing the best car insurance companies in Florida. It’s ranked best overall for its low rates, coverage options, quality customer service and claims handling.
| Category | Company |
|---|---|
| Best overall | State Farm |
| Most affordable | State Farm |
| Highest customer satisfaction | State Farm |
| Best for teen | State Farm |
| Best for young adults | State Farm |
| Best for adults | State Farm |
| Best for seniors | State Farm |
However, just because State Farm tops our ratings as the best car insurance company in Florida doesn’t necessarily mean it’s the best insurer for your needs. If you’re considering switching insurers or shopping for coverage for the first time, get quotes from at least three companies to make an informed decision.
If you don’t want to do the legwork yourself, you can work with an independent agent who represents multiple carriers and can provide you with detailed, unbiased information.
Comparing the best car insurance in Florida
With a score of 4.64 out of 5, State Farm is the No. 1 car insurance company in Florida, based on our analysis. It’s average annual rate for full coverage, $2,119, is notably less than the state average of $2,694. It’s also cheaper than the other ranked carriers in this report.
In addition, State Farm received the highest score in J.D. Power’s annual U.S. Auto Insurance Study (only Auto-Owners Insurance did better in this study region). State Farm is also on solid financial footing, earning AM Best’s highest rating of A++ (Superior). Customer complaints was the only aspect where the insurer fell short of its competitors. State Farm’s NAIC complaint index score of 0.79, while below the industry benchmark, was worse than all but two other carriers in our ranking.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| State Farm | $2,119 | A++ | 650 | 0.79 | 4.64 |
| GEICO | $2,214 | A++ | 629 | 0.69 | 4.39 |
| Travelers | $2,356 | A- | 608 | 0.00 | 4.13 |
| Progressive | $2,902 | A+ | 587 | 0.71 | 3.37 |
| Allstate | $3,569 | A+ | 643 | 1.10 | 3.34 |
| Farmers | $3,261 | A | 616 | 0.86 | 3.29 |
| National General | $3,103 | A+ | 581 | 0.67 | 3.18 |
Florida drivers pay more for insurance than nearly any other state, $2,694 annually versus the national average of $1,895. Clayton Fisher, an agent with Blue Marlin Insurance in Coral Gables, Florida, says there are several reasons for this. The rising cost of new vehicles, replacement parts and repairs is significant, but so are insurance fraud and costly litigation.
“Number one is litigation of insurance claims,” Fisher says. “Drive down any major stretch of road, and you’ll see billboards of attorneys promising to get you paid for your claim.”
How we ranked the top insurance companies in Florida for you
To find the best car insurance companies in Florida, we reviewed some of the largest insurers based on features like coverage options, cost and available discounts. In addition, we consulted AM Best’s financial strength ratings, which gauge how well a company is prepared to meet its claim obligations.
We also examined the National Association of Insurance Commissioners (NAIC) Complaint Index, which compares the annual consumer complaints an insurer receives to similar carriers. Finally, we examined market research firm J.D. Power’s annual U.S. Auto Insurance Survey, which measures policyholder satisfaction with price, coverage offerings, problem resolution, and other factors.
The best car insurance companies in Florida, by company
Top-ranked State Farm has the cheapest rates for full coverage car insurance in Florida: $2,119 annually. However, No. 3-ranked Travelers is just a hair less expensive for liability-only coverage: $1,150 versus $1,170. For state minimum coverage, No. 2-ranked Geico has the cheapest rate, $561, followed by State Farm, $647.
At the other end of the cost spectrum, No. 5- ranked Allstate is the most expensive for full coverage, while unrated UAIC has the highest average rates for liability-only and state minimum insurance.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| Nationwide | $841 | $1,384 | $2,150 |
| Travelers | $715 | $1,150 | $2,356 |
| Geico | $561 | $1,238 | $2,214 |
| State Farm | $647 | $1,170 | $2,119 |
| Progressive | $1,383 | $2,045 | $2,902 |
| Mercury Insurance | $1,020 | $2,007 | $3,358 |
| Farmers | $925 | $1,716 | $3,261 |
| Allstate | $1,084 | $1,835 | $3,569 |
| UAIC | $1,702 | $2,150 | $2,796 |
| National General | $1,166 | $1,912 | $3,103 |
Notes:
- State minimum car insurance cost
- Full coverage car insurance limit is 100/300/100 with a $500 deductible.
- Liability-only car insurance limit is 50/100/50.
Florida drivers must carry a certain amount of liability car insurance to drive legally in the state. Liability insurance is required to pay for third-party injury or property damage claims. According to the Florida Department of Highway Safety and Motor Vehicles, the minimum car insurance requirements are:
- Personal injury protection (PIP): $10,000
- Property damage, per incident: $10,000
However, minimum coverage (written as 10/10) is often inadequate for a major accident, which could result in a significant financial burden. The next step up from state minimum coverage is a liability-only policy with more robust limits of at least $100,000.
“I would only recommend state minimums to either college students with no assets living on their own, or someone who hasn’t quite gotten established in life to have any assets,” Fisher says. “Once you are in a position to start your career, I would quickly push your coverage limits up to 25/50. Once you are in a position of lower middle class to middle upper class, I would increase your limits again [to] 50/100. Once you are in a position with a family and have put together assets needing protection, it’s probably time to bump to 100/300.”
Fisher adds that individuals with very high incomes or considerable assets to protect may want to consider even higher coverage limits and an umbrella insurance policy.
Remember, liability insurance won’t cover your own vehicle if it’s damaged or destroyed in an accident. For that, you’ll need full coverage car insurance. This kind of policy bundles liability insurance with collision coverage, which applies if you strike another vehicle or a stationary object like a mailbox, and comprehensive coverage, which protects your vehicle in the event of theft, vandalism, damage from extreme weather or striking an animal while driving.
Best car insurance companies for specific needs in Florida
Car insurance companies consider several factors when determining premiums, and age is one of the most important. Rates are highest for the youngest and least experienced: teenage drivers. However, as drivers grow older and gain experience, insurance premiums decline (provided one maintains a clean driving record). Those in their mid-60s pay the least on average for coverage.
Check out our detailed guide on average car insurance rates by age group
Best car insurance companies for teens in Florida
Teenagers (drivers aged 16 to 19) are considered to be the riskiest age group to insure because they are more apt to engage in inappropriate driving behavior that leads to tickets and accidents.
State Farm is the best car insurance company for teens in Florida, and it has the lowest average annual premium among the carriers we compared. Bottom-ranked Farmers had the most expensive rate for teens, which is more than double that of State Farm.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| State Farm | $5,541 | A++ | 650 | 0.79 | 4.64 |
| GEICO | $6,075 | A++ | 629 | 0.69 | 4.39 |
| Travelers | $7,880 | A- | 608 | 0.00 | 3.98 |
| Allstate | $9,973 | A+ | 643 | 1.10 | 3.75 |
| Progressive | $7,666 | A+ | 587 | 0.71 | 3.63 |
| National General | $7,393 | A+ | 581 | 0.67 | 3.62 |
| Farmers | $13,080 | A | 616 | 0.86 | 3.07 |
Because teenagers are so expensive to insure, experts recommend adding them to a family insurance policy rather than buying separate coverage. Doing so can lessen the financial burden of insuring a young driver.
Best car insurance companies for young adults in Florida
Once drivers turn 20, they begin to see their auto insurance premiums begin to creep downward. For drivers aged 20 to 24, State Farm is the best carrier option, charging an average of $3,328 annually for full coverage. Allstate, ranked No. 5, is the most expensive carrier in this age group, charging $5,489 per year for full coverage.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| State Farm | $3,328 | A++ | 650 | 0.79 | 4.49 |
| GEICO | $3,754 | A++ | 629 | 0.69 | 4.14 |
| Travelers | $3,657 | A- | 608 | 0.00 | 4.01 |
| Progressive | $4,291 | A+ | 587 | 0.71 | 3.38 |
| Allstate | $5,489 | A+ | 643 | 1.10 | 3.34 |
| National General | $4,556 | A+ | 581 | 0.67 | 3.23 |
| Farmers | $5,284 | A | 616 | 0.86 | 3.15 |
Best car insurance companies for adults in Florida
State Farm is also the top-ranked car insurer for this age group, which includes adults aged 25 to 60. If you maintain a good driving record and have few or no claims, your rates decline gradually from your mid-20s into your 50s.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| State Farm | $2,119 | A++ | 650 | 0.79 | 4.63 |
| GEICO | $2,261 | A++ | 629 | 0.69 | 4.35 |
| Travelers | $2,378 | A- | 608 | 0.00 | 4.11 |
| Progressive | $2,865 | A+ | 587 | 0.71 | 3.40 |
| Allstate | $3,590 | A+ | 643 | 1.10 | 3.34 |
| Farmers | $3,310 | A | 616 | 0.86 | 3.26 |
| National General | $3,167 | A+ | 581 | 0.67 | 3.15 |
Best car insurance companies for seniors in Florida
Senior drivers, aged 65-75, enjoy some of the least expensive car insurance rates on average. This is the one age category where No. 1 State Farm isn’t the cheapest insurer; that honor goes to No. 2-ranked Geico. Allstate, ranked No. 4 overall, has the most expensive rates for these drivers. After age 75, rates do start to trend upward a bit.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| State Farm | $2,050 | A++ | 650 | 0.79 | 4.63 |
| GEICO | $2,036 | A++ | 629 | 0.69 | 4.46 |
| Travelers | $2,350 | A- | 608 | 0.00 | 4.08 |
| Allstate | $3,506 | A+ | 643 | 1.10 | 3.34 |
| Progressive | $2,883 | A+ | 587 | 0.71 | 3.33 |
| Farmers | $3,286 | A | 616 | 0.86 | 3.22 |
| National General | $3,103 | A+ | 581 | 0.67 | 3.14 |
Learn more about how to shop for car insurance for seniors
Find top-rated car insurers in your neighboring states
The best car insurance in Florida for high-risk drivers
If you’ve been convicted of a serious violation like a DUI (driving under the influence), had several at-fault accidents, received multiple traffic tickets, or been ordered to obtain an SR-22 certificate, your insurer may classify you as a high-risk driver and either raise your premium or drop you as a customer.
Not all carriers will insure high-risk drivers in Florida. Among those that do, State Farm ($3,312) and Nationwide ($3,367) offer the cheapest average annual rates, while Farmers is the most expensive ($6,425).
| Company | Six-month cost | Annual cost |
|---|---|---|
| Allstate | $3,002 | $6,004 |
| Farmers | $3,213 | $6,425 |
| GEICO | $1,805 | $3,610 |
| Mercury Insurance | $2,557 | $5,113 |
| National General | $1,882 | $3,764 |
| Nationwide | $1,684 | $3,367 |
| Progressive | $1,995 | $3,990 |
| State Farm | $1,656 | $3,312 |
| Travelers | $1,769 | $3,537 |
What makes a car insurance company reliable in Florida?
Consumers say price, good customer service, and fast claims resolution are what matters most when shopping for car insurance. To find the most reliable car insurers in Florida, we consulted market research firm J.D. Power’s annual U.S. Auto Insurance Survey, which measures policyholder satisfaction in a number of categories, including overall trust, price, coverage offerings, problem resolution and ease of use on a national, regional and statewide basis. J.D. Power produces a handful of other insurance-related surveys, including claims handling and digital experience.
Another valuable resource for gauge reliability is the National Association of Insurance Commissioners (NAIC) Complaint Index. The index tracks the number of consumer complaints about insurers filed each year with state insurance departments and compares how carriers of equal size perform in relation to an industry benchmark score. A score higher than the benchmark indicates the insurer has more complaints than other carriers of its size; a lower score indicates fewer complaints than average.
Credit ratings agency AM Best is another source for measuring insurer reliability. It assigns letter grades to insurance companies based on their general financial strength and ability to meet claims obligations. The higher the grade, the more sound a carrier is. All of the Florida carriers in this report earned an AM Best grade of at least A-minus (Good) or higher.
Resources & Methodology
Sources
- Florida Department of Highway Safety and Motor Vehicles. “Florida Insurance Requirements.” Accessed July 2025.
- Florida Department of Highway Safety and Motor Vehicles. “Florida DUI and Administrative Suspension Laws.” Accessed July 2025.
Methodology
The CarInsurance.com team collected JD Power Auto Customer Satisfaction ratings for each company in their respective regions / states. States that are not individually studied by JD Power are assigned company rankings from their respective region.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations. They also collected insurance rate data in each state from Quadrant Information Services.
- JD Power: 30% of total score
- AM Best: 25% of total score
- Annual premium: 25% of total score
- NAIC: 20% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than one star in any category, and 5 stars was the most any insurer could receive.rs and their families.
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