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.
Which company offers the cheapest 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 policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Florida.
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 Florida companies for different coverage levels
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.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Florida
Florida requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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
The following table lists Florida’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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 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 lists major insurance providers in Florida based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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 auto insurance in Florida by driving history
Your driving history impacts insurance premiums in Florida, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
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 in Florida after a speeding ticket
If you have a speeding ticket on your Florida driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $2,356 per 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
Florida drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $2,356 a year, followed by Geico with an annual premium of $3,043 annually, based on recent data.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 26% less than drivers with a DUI on their record.
| 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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Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
In Florida, Paxton stands out as the city with the lowest auto insurance rates, at an average of $2,286 per year.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
The table below shows a list of cities in Florida with the most affordable 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 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in Florida
If you compare car insurance quotes, you could enjoy an annual saving of around 21% on a full coverage policy in Florida.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Florida: Save on premiums
Florida drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Florida.
| 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 auto insurance in Florida
Based on our research, if you are a good driver, State Farm is the cheapest in Florida for a full coverage policy.
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:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 10/20/10′.
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
Executive 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