The Cheapest Car Insurance in Florida (2022)

The cheapest car insurance companies in Florida: GEICO, $86 a month; State Farm, $155; and Progressive, $274.

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We've found that no matter your age or your driving record, GEICO and State Farm offer the most consistently cheap rates in Florida. GEICO has an average rate of $86 a month for minimum-coverage car insurance. GEICO's average rate for full-coverage car insurance is $144 a month.

For comparison, the state average rate for minimum-coverage car insurance in Florida is $219 a month, while the state average for full-coverage car insurance is $347 a month.

In this article

Cheapest minimum-coverage auto insurance in Florida

GEICO is the cheapest car insurance company in Florida for minimum car insurance, with an average rate of $86 a month. The second cheapest is State Farm at $155 a month.

Company Annual Monthly
GEICO $1,027 $86
State Farm $1,860 $155
Progressive $3,286 $274
Allstate $4,343 $362
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Florida drivers are required to maintain the following liability insurance limits to drive legally:

Keep in mind that these limits only fulfill Florida's minimum requirements for financial responsibility. A major accident, a long hospital stay or a court case can eat through those limits. For your financial peace of mind, we recommended increasing your PIP and PDL limits to $100,000 each, as well as personal injury liability per accident to $300,000.

Florida's cheapest companies for full-coverage insurance

GEICO has the cheapest rate for full-coverage car insurance in Florida, at an average of $144 monthly. State Farm is the second-cheapest insurer at $233 a month.

Company Annual Monthly
GEICO $1,729 $144
State Farm $2,794 $233
Progressive $4,818 $402
Allstate $7,308 $609
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance typically combines liability, collision and comprehensive car insurance coverage. A full-coverage policy offers the best protection against accidents and other incidents. Liability coverage on its own does nothing to cover your damages, only those of other drivers.

Car insurance for Florida drivers with accident history

The most affordable car insurance provider in Florida for drivers with an accident on their records is GEICO, with an average monthly rate of $220. State Farm comes in second cheapest for auto insurance after an accident at $274 a month.

Company Annual Monthly
GEICO $2,642 $220
State Farm $3,290 $274
Progressive $7,558 $630
Allstate $11,631 $969
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Even one accident can cause your car insurance premium to increase. We've found that after an accident, your car insurance premium may go up 40%. An accident can also make it difficult to get insurance in the future.

Auto insurance for drivers in Florida with a DUI

State Farm offers the cheapest car insurance rates in Florida for drivers with a DUI on their records at $254 a month, on average. GEICO is the second-cheapest company for Florida drivers with DUIs at $284 a month.

Company Annual Monthly
State Farm $3,042 $254
GEICO $3,405 $284
Progressive $5,853 $488
Allstate $9,296 $775
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

On top of much higher rates, a DUI on your insurance record may result in you needing to file an FR-44 or SR-22. These forms are required to prove you carry Florida's minimum insurance limits and to get your license reinstated after a suspension. This assumes you can get auto insurance after a DUI, as insurers consider DUIs a severe risk indicator.

Auto insurance in Florida after a speeding ticket

State Farm is the cheapest car insurance company for drivers in Florida with speeding tickets, too, with an average premium of $254 a month. The second runner-up for cheap rates is GEICO at $273 monthly.

Company Annual Monthly
State Farm $3,042 $254
GEICO $3,280 $273
Progressive $7,105 $592
Allstate $7,308 $609
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for young Florida drivers

GEICO is the overall cheapest insurer for teen drivers in Florida for both minimum- and full-coverage auto insurance. It also has the cheapest rates for teen drivers with accidents on their driving records.

An 18-year-old driver in Florida pays an average of $536 a month for minimum-coverage car insurance. Teen drivers are the highest-risk car insurance demographic due to their inexperience behind the wheel and higher likelihood of getting into an accident. This means that teen drivers usually pay higher rates for car insurance than any other age group and makes shopping around and comparing quotes important.

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Minimum auto insurance for Florida teens

GEICO has the cheapest rates for 18-year-old Florida drivers with an average monthly premium of $245 for minimum-coverage car insurance. State Farm comes in second at $403 a month.

Both of these average rates are far below what the average 18-year-old driver in Florida pays for a minimum-coverage policy, which is $536 a month.

Minimum car insurance rates for teens
Company Annual Monthly
GEICO $2,942 $245
State Farm $4,835 $403
Progressive $8,247 $687
Allstate $9,710 $809
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage auto insurance for teen drivers

Eighteen-year-old drivers looking for full-coverage car insurance in Florida will find the cheapest rate with GEICO at $458 a month, on average. State Farm has the second-best rate at $671. These rates come in much lower than the average full-coverage rate of $1,035 a month for teen drivers in Florida.

Company Annual Monthly
GEICO $5,494 $458
State Farm $8,051 $671
Progressive $13,750 $1,146
Allstate $22,372 $1,864
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Car insurance for teens with a DUI

An 18-year-old driver in Florida with a DUI pays the cheapest rate for car insurance with State Farms at $738 a month. GEICO has the next-cheapest rate at $757 a month.

Company Annual Monthly
State Farm $8,861 $738
GEICO $9,080 $757
Progressive $14,932 $1,244
Allstate $31,371 $2,614
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Car insurance for Florida teens after an accident

Florida teens get the cheapest car insurance after an accident with GEICO, which offers them an average rate of $474 a month. State Farm has the second-cheapest average rate of $806 a month.

Company Annual Monthly
GEICO $5,685 $474
State Farm $9,672 $806
Progressive $15,905 $1,325
Allstate $29,709 $2,476
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Auto insurance for teens with speeding tickets

An 18-year-old Florida teen pays the cheapest car insurance after a speeding ticket with GEICO at $591 a month, on average. State Farm has the second-lowest rate with the average monthly rate of $738.

Company Annual Monthly
GEICO $7,091 $591
State Farm $8,861 $738
Progressive $16,379 $1,365
Allstate $22,372 $1,864
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheap car insurance for seniors

GEICO has the cheapest rates for senior drivers in Florida, while State Farm has the second-cheapest rates for seniors. Car insurance providers may consider senior drivers to be high-risk due to decreased reaction time that occurs with age. A 60-year-old driver in Florida pays an overall average of $194 a month for minimum-coverage car insurance and $318 for full coverage.

Minimum-coverage insurance for Florida seniors

Senior drivers in Florida will find the lowest auto insurance quotes with GEICO if all they want is a minimum-coverage policy. It offers the state's 60-year-old drivers an average car insurance rate of $75 a month. State Farm has the second cheapest at $141 monthly. A 60-year-old driver in Florida pays an overall average of $194 a month for minimum-coverage car insurance.

Company Annual Monthly
GEICO $894 $75
State Farm $1,690 $141
Progressive $2,807 $234
Allstate $3,883 $324
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance for senior drivers in Florida

If you're a senior in Florida, GEICO has the most affordable rates for full-coverage car insurance, too, at $131 a month. Coming in second is State Farm, with an average full-coverage rate of $213 monthly. The average rate for full-coverage car insurance in Florida for seniors is $318 a month.

Company Annual Monthly
GEICO $1,570 $131
State Farm $2,560 $213
Progressive $4,345 $362
Allstate $6,793 $566
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Car insurance for seniors with an accident record

Florida seniors with an accident on their driving records can find the cheapest car insurance from GEICO, which offers an average rate of $201 monthly. State Farm's average rate of $251 is the second cheapest.

Company Annual Monthly
GEICO $2,416 $201
State Farm $3,012 $251
Progressive $7,286 $607
Allstate $10,896 $908
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Car insurance rates for seniors with DUIs

State Farm offers the cheapest car insurance to senior drivers with a DUI in Florida at $232 a month. GEICO is in second place at $259 a month.

Company Annual Monthly
State Farm $2,786 $232
GEICO $3,108 $259
Progressive $5,321 $443
Allstate $8,710 $726
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Auto insurance for senior drivers with speeding tickets

State Farm is the cheapest car insurance company in Florida for seniors with speeding tickets on their driving records, offering an average rate of $232 a month. GEICO is second cheapest, with an average car insurance premium of $249 a month.

Company Annual Monthly
State Farm $2,786 $232
GEICO $2,993 $249
Progressive $6,658 $555
Allstate $6,793 $566
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Find cheap auto insurance in Florida

Florida cities with the cheapest car insurance rates

Drivers in the majority of Florida's most populated cities pay less than the average state car insurance premium of $219 a month. Tallahassee has the cheapest average rate of $163 a month. Cape Coral has the second-cheapest rate of $172 a month, and Port St. Lucie comes in third at $180 a month.

Cheapest cities for minimum-coverage car insurance by average rate
City Monthly cost
Tallahassee $163
Cape Coral $172
Port St. Lucie $180
Jacksonville $187
Orlando $198
St. Petersburg $204
Fort Lauderdale $225
Tampa $242
Miami $273
Hialeah $300
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

FAQ

Why is Florida car insurance so expensive?

Florida auto insurance tends to be high for multiple reasons. One is that Florida is a "no-fault" state. This means that after an accident, you can file an accident claim with your car insurance company, regardless of who was at fault. Car insurance providers in no-fault states like Florida often charge higher rates than other states.

The number of uninsured drivers in Florida also increases car insurance premiums in the state. According to the Insurance Information Institute, 20.4% of Florida drivers are uninsured, making Florida the state with the sixth-highest number of uninsured drivers.

Do you need car insurance in Florida?

Florida law requires registered drivers to carry minimum liability car insurance. Full-coverage car insurance isn't required by law. However if you financed your car, your lender will probably want you to have it to protect their investment.

What are Florida's car insurance requirements?

Florida drivers need to have the following car insurance minimums:

  • Personal injury protection (PIP): $10,000
  • Property damage liability (PDL): $10,000

While these limits fulfill your legal obligations to drive, you should consider raising your limits to protect yourself financially.

Methodology

QuoteWizard studied thousands of rates through Quadrant Information Services, using the following car insurance companies operating in Florida:

  • Allstate
  • GEICO
  • Progressive
  • State Farm

Unless otherwise stated, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record, driving a 2012 Honda Accord LX with an average annual mileage of 13,500 miles.

When discussing full-coverage car insurance, we used the following limits:

  • Bodily injury liability per person: $100,000
  • Bodily injury liability per accident: $300,000
  • Property damage liability: $100,000

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