Key Takeaways
- GEICO, State Farm and Travelers generally offer the cheapest car insurance in Florida.
- The average cost of full-coverage car insurance in Florida is $304 a month.
- Car insurance rates in Florida are 18% less than the national average.
In this article
Cheapest car insurance companies in Florida
GEICO: cheapest overall
State Farm: cheapest for drivers with an at-fault accident
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GEICO and UAIC: cheapest for drivers with poor credit
GEICO offers the cheapest rates to most Florida drivers with a clean record, including teens, seniors and adults of most ages in between.
State Farm offers the lowest rates to Florida drivers with a prior speeding ticket, at-fault accident or DUI. State Farm’s average rate for drivers with a speeding ticket is only 8% higher than what it is for those with a clean record.
GEICO's and UAIC’s rates for drivers with poor credit are each about $200 less per month than the statewide average.
The actual rate you receive depends on several factors about you and your car. This is why it’s best to compare quotes from multiple companies when you shop for auto insurance.
Compare car insurance rates from top Florida companies
Florida car insurance state minimums
Florida is a no-fault insurance state that requires motorists to carry personal injury protection (PIP) and property damage (PD) liability insurance, with limits of at least $10,000 for each coverage.
A standard policy is typically offered with bodily injury (BI) liability insurance and uninsured motorist (UM) coverage. Although both are highly recommended, you can usually decline both. However, if you have an at-fault injury accident or certain other prior incidents on your record, you may be required to keep BI liability on your policy.
| Coverage | Required minimum limit |
|---|---|
| Property damage liability (PD) | $10,000 |
| Personal injury protection (PIP) | $10,000 |
| Bodily injury liability (BI) | $10,000 per person/$20,000 per accident; can usually be waived |
| Uninsured/underinsured motorist (UM) | $10,000 per person/$20,000 per accident; can be waived |
Additional Florida car insurance coverages available on an optional basis:
Cheapest minimum-coverage car insurance rates in Florida: GEICO
GEICO offers the cheapest minimum-coverage auto insurance to typical Florida drivers, charging rates that average $30 a month. GEICO’s minimum-coverage car insurance rates are 73% less than the state average of $111 a month.
PIP covers medical costs for injuries you and your passengers suffer in a car accident, regardless of fault. PD liability covers damage you cause to other vehicles in an at-fault accident.
Minimum-coverage car insurance does not cover damage to your own vehicle or your share of medical costs for a person severely injured in an accident you cause. However, you can choose higher limits and additional coverages for financial protection in these and other potential situations.
Cheapest full-coverage car insurance rates in Florida: GEICO
GEICO offers the cheapest rates in Florida for full-coverage car insurance, charging rates that average $156 a month, which is 49% less than the state average.
The average cost of full-coverage car insurance in Florida is $304 a month, which is 18% less than the national average of $369 a month.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $156 |
| State Farm | $183 |
| Travelers | $236 |
| Progressive | $324 |
| UAIC | $329 |
| Allstate | $595 |
| Rates are for full-coverage car insurance for a 35-year-old male with a clean driving record and good credit. | |
Full-coverage car insurance includes collision and comprehensive coverages, which take care of damage to your own car, as well as bodily injury (BI) liability.
If you cause an accident that results in severe injuries, BI liability covers the portion of medical costs that exceed the injured person’s PIP limits.
Cheapest car insurance in Florida for drivers with bad credit: GEICO
GEICO and UAIC offer the cheapest car insurance to drivers with bad credit, charging rates that average $295 a month and $329 a month, respectively, for full coverage.
In Florida, drivers with poor credit pay 75% more for car insurance than those with good credit.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $295 |
| UAIC | $329 |
| State Farm | $408 |
| Progressive | $500 |
| Travelers | $505 |
| Allstate | $1,153 |
| Rates are for full-coverage car insurance for a 35-year-old driver with a clean driving record and poor credit. | |
Cheapest car insurance for drivers with a prior incident
Prior tickets or accidents typically affect your car insurance rates for three to five years, depending on your insurance company. If an incident that happened more than three years ago is still impacting your rates, you may get a cheaper rate by switching to a company with a shorter look-back period.
Cheapest for drivers with a speeding ticket: State Farm
State Farm has the cheapest car insurance rates for Florida drivers with a speeding ticket, $197 a month. GEICO offers the next-best rate, $284 a month.
In Florida, a speeding ticket raises the average cost of full-coverage car insurance by 19% to $363 a month.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $197 |
| GEICO | $284 |
| Travelers | $297 |
| UAIC | $329 |
| Progressive | $474 |
| Allstate | $595 |
| Rates are for full-coverage car insurance for a 35-year-old male with good credit and a prior speeding ticket. | |
Cheapest for drivers with an at-fault accident: State Farm
State Farm has the cheapest rates for Florida drivers with a prior accident, $212 a month, which is slightly lower than GEICO’s rate of $232 a month.
A prior at-fault accident raises the average price of car insurance for Florida drivers by 52% to $461 a month for full coverage.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $212 |
| GEICO | $232 |
| Travelers | $315 |
| UAIC | $425 |
| Progressive | $503 |
| Allstate | $1,084 |
| Rates are for full-coverage car insurance for a 35-year-old male with good credit and a prior at-fault accident. | |
Cheapest for drivers with a DUI: State Farm
The cheapest car insurance for Florida drivers with a DUI is available from State Farm, $197 a month, and GEICO, $292 a month.
In Florida, a DUI raises the average price of car insurance to $430 a month, which is 41% higher than the rate available to a driver with a clean record.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $197 |
| GEICO | $292 |
| Travelers | $361 |
| Progressive | $392 |
| UAIC | $561 |
| Allstate | $775 |
| Rates are for full-coverage car insurance for a 35-year-old male with good credit and a prior DUI. | |
Cheapest car insurance for senior drivers: GEICO
GEICO has the cheapest car insurance for Florida’s senior drivers, charging rates that average $142 a month, followed by State Farm, whose rates average $167 a month.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $142 |
| State Farm | $167 |
| Travelers | $203 |
| Progressive | $300 |
| UAIC | $302 |
| Allstate | $575 |
| Rates are for full-coverage car insurance for a 65-year-old male with good credit and a clean driving record. | |
Seniors can often qualify for discounts by completing a mature-driver safety course, online or in person. Make sure to ask your insurance company which courses qualify for the discount before you enroll in one.
Cheapest car insurance for young drivers: GEICO
GEICO offers the cheapest car insurance to young drivers in Florida, beginning with minimum-coverage rates that average $76 a month for 18-year-olds. The next-best price is available from State Farm, whose minimum-coverage rates for 18-year-olds average $153 a month.
The average cost of car insurance for 18-year-olds ranges from $235 a month for minimum coverage to $927 a month for full coverage.
| Insurance company | Minimum coverage (monthly) | Full coverage (monthly) |
|---|---|---|
| GEICO | $76 | $467 |
| State Farm | $153 | $518 |
| Travelers | $178 | $688 |
| Progressive | $263 | $886 |
| UAIC | $344 | $792 |
| Allstate | $398 | $2,209 |
| Rates are for minimum- and full-coverage car insurance for an 18-year-old male with a clean driving record and good credit. | ||
Teens are charged high rates for car insurance largely because they have higher crash rates than other age groups. Families typically pay less in combined insurance costs when they add their teen to a parent's policy, when possible, rather than having the teen and parents on different policies.
For example, the average cost of car insurance for a 45-year-old male who adds his 18-year-old son to his policy is $851 a month. This amount is 30% less than the combined costs of separate policies for the parent and teen, which add up to $1,221 a month.
A parent can typically keep their teen on their policy when the teen lives at home or is away at college, with some exceptions.
Many insurance companies offer discounts to teens who maintain a B average or better in school and/or complete an approved driver education course. Don’t be shy about asking about any auto insurance discounts you may be eligible to receive.
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Cheapest car insurance for married drivers: GEICO
The average cost of car insurance for married drivers in Florida is 3% less than it is for single drivers, with GEICO offering the lowest rates for drivers who have tied the knot.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $163 |
| State Farm | $183 |
| Travelers | $236 |
| Progressive | $265 |
| UAIC | $301 |
| Allstate | $621 |
| Rates are for full-coverage car insurance for a 35-year-old married male driver with a clean driving record and good credit. | |
Understanding car insurance discounts in Florida
In Florida, car insurance companies will consider a variety of factors when setting premiums, including how you drive, the car you own and your relationship with your insurance company. This means that there are a number of discounts available, such as:
- Safe driving discounts: These discounts are available to drivers with a clean driving record.
- Anti-theft devices discounts: These discounts are available to drivers who have installed anti-theft devices in their vehicles.
- Married couples discount: This discount is available to married couples who insure their vehicles together.
- Homeowner discount: This discount is available to homeowners who insure their vehicles with the same company that insures their home.
- Driver education discount: Florida drivers can earn an auto insurance discount by completing an approved defensive driving course. The discount is available to drivers of all ages, but there are different courses available for younger and older drivers.
Check with your insurance company to see what types of discounts they have available to you.
Ways to lower your car insurance costs in Florida
To reduce car insurance costs in Florida, consider several strategies.
- Regularly compare rates from different insurers, as each company uses unique calculations for premiums.
- Opt for higher deductibles to lower premiums, but ensure you have savings for an incident.
- Maintain a clean driving record and take advantage of various discounts, including those for safe driving, bundling multiple policies, low mileage and vehicle safety features.
- Improve your credit score and select a car with safety considerations.
- Drop coverage you don’t need. But remember, comprehensive coverage can be crucial to adequately protect yourself and your vehicle.
Shopping around and comparing auto insurance quotes
Because rates can change each year based on many factors, the general recommendation is to shop for car insurance quotes annually. Switching car insurance companies could save you up to 30% per year. Here are a few other common situations that should prompt you to shop around for car insurance quotes.
- Before your policy renews
- When adding a new driver
- After an accident or ticket
- When your credit score changes
- Marriage
- Buying a home
- Earning a degree
- When you move
Increasing deductibles
The deductible on your auto insurance policy is the amount of money you have to pay out of pocket before your insurance company will cover the cost of a claim. In most cases, the higher your deductible, the lower your monthly premiums will be. However, if you have to file a claim, you'll have to pay more out of pocket.
Choosing the right deductible is a balancing act between your budget and your risk tolerance. If you can afford to pay a higher deductible, you'll save money on your premiums. But if you don't have a lot of money saved up, a lower deductible may be a better option.
Here are some things to consider when choosing a deductible:
- How much money do you have saved up?
- How often do you have accidents?
- How much is your car worth?
- How much can you afford to pay out of pocket if you have to file a claim?
Once you've considered these factors, you can choose a deductible that's right for you.
Car insurance laws in Florida
Understanding how Florida’s no-fault car insurance laws, electronic insurance monitoring system and SR-22/FR-44 requirements work is crucial to getting the right coverage.
Florida’s no-fault auto insurance laws
Under Florida’s no-fault auto insurance laws, your own PIP covers your medical bills and certain related expenses resulting from a car accident, regardless of who causes the accident.
However, if you cause an accident, you are financially responsible for damage to other vehicles and property.
An at-fault driver is also financially responsible for the portion of an injured person’s medical costs that exceed their PIP limits, which are typically covered by BI liability.
What does PIP cover?
In Florida, standard PIP covers 80% of your medical costs for treating a covered injury, up to $10,000. However, coverage for non-emergency care is typically limited to $2,500. Standard PIP also covers:
- Up to 60% of lost wages, if your injuries prevent you from working.
- The cost of certain services that your injuries prevent you from performing, such as cleaning, cooking and yard work.
- A $5,000 death benefit.
You can pay more to upgrade your PIP to cover 100% of your medical expenses and/or increase your medical expense limit to $20,000.
You can lower your insurance rate by rejecting your PIP wage-loss benefit and/or by increasing your PIP deductible, which is the amount you pay before insurance funds kick in. Typical PIP deductibles are $250, $500 and $1,000.
PIP generally covers you and any family members who live with you in just about any motor vehicle, although limits apply when you are out of state. Your PIP also covers passengers in your vehicle who don’t have their own car insurance.
You can add medical payments coverage to your policy to cover your PIP deductible and copayment.
Electronic insurance monitoring
The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) requires proof of insurance to register your vehicle and monitors your vehicle’s insurance status electronically.
Insurance companies report all new policies and policy cancellations to FLHSMV. If the department does not receive notification of your new policy after an existing policy is canceled or expires, it will send you a letter demanding proof of insurance.
Potential penalties for driving without insurance in Florida include a suspension of your driver’s license and/or registration for up to three years.
Florida SR-22 and FR-44 requirements
You typically need to file an FR-44 certificate with the FLHSMV to get your license reinstated after a DUI conviction in Florida. The state requires those caught driving without insurance and certain other violations to file an SR-22 certificate.
In order to qualify for an FR-44, you have to purchase a car insurance policy that includes PIP and the following liability limits:
- BI liability with limits of at least $100,000 per person and $300,000 per accident
- PD liability with a limit of at least $50,000
An SR-22 filing requires you to have car insurance with PIP and PD liability, plus BI liability with limits of at least $10,000 per person and $20,000 per accident.
Some insurance companies don’t accept customers with an SR-22 or FR-44 filing requirement. Those that do can file the certificate with the state on your behalf. It’s best to let the insurance company know about any filing requirements you may have when you request your quote.
Florida car insurance: FAQs
The average cost of minimum-coverage car insurance in Florida is $1,329 a year, or $111 a month. Full-coverage car insurance rates average $304 per month.
GEICO offers the cheapest car insurance to Florida drivers in most age groups with a clean record. State Farm has the cheapest rates for those with certain prior incidents on their driving record.
Florida law requires you to carry car insurance with limits of at least $10,000 for both personal injury protection (PIP) and property damage (PD) liability. If you have certain prior incidents on your record, you may be required to also carry bodily injury (BI) liability with limits of at least $10,000 per person and $20,000 per accident.
Florida is a no-fault insurance state for car accident injuries. Your own insurance covers the initial medical costs for injuries you suffer in a car accident, regardless of fault. However, if you cause an accident, you are financially responsible for damage to other vehicles, the portion of an injured person’s medical expenses that exceed their PIP limits and other potential costs.
Florida driver report
Florida has good roads and decent drivers, but that’s not making auto insurance any cheaper there. The average cost of auto insurance in the Sunshine State has gone up 7% in the last year. Florida now has some of the most expensive auto insurance in the nation.
- Plantation, Tamarac and Miramar are the best-driving cities in Florida.
- Miami Gardens, Coral Springs and Homestead are the worst-driving cities in Florida.
- 13% of roads and 2% of bridges are in poor or unacceptable condition
- Poor road infrastructure costs drivers $351 a year.
Best and worst drivers in Florida
Why is auto insurance so expensive in Florida? One reason is that Florida drivers get into a lot of crashes. Our team of analysts found that Florida has the seventh-highest rate of accidents in the nation.
Florida ranked as the 21st worst driving state in our annual list of the best- and worst-driving states. Some cities, though, have particularly bad drivers. Plantation is the worst-driving city in Florida, while Miami Gardens is the best-driving city.
Best Drivers by City
- Plantation
- Tamarac
- Miramar
- Sunrise
- Doral
- Weston
- Lauderhill
- North Miami
- Delray Beach
- Port Orange
Worst Drivers by City
- Miami Gardens
- Coral Springs
- Homestead
- Miami Beach
- North Port
- Jacksonville
- Cape Coral
- Miami
- Fort Myers
- Largo
Florida infrastructure rating
QuoteWizard found that Florida has some of the best road infrastructure in the nation. Our team of analysts looked at road and bridge conditions nationwide and found that Florida has a low percentage of roads and bridges that are in poor or unacceptable condition.
- 13% of roads are in non-acceptable condition.
- 2% percent of bridges are in poor condition.
- The average annual cost per motorist due to roads and bridges in poor condition is $351.
Florida’s roads and bridges are in significantly better condition than other parts of the country. We found that Florida has the eighth-best bridges and 15th-best roads overall.
Best and worst drivers by age group
Florida drivers under the age of 20 have more dangerous driving incidents than any other age group. Our team of analysts found that drivers under 20 years old are three times more likely to be involved in a dangerous driving incident as drivers over the age of 50. The difference in incidents for each age group is often why younger drivers pay more for car insurance.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Florida.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies that meet the state’s minimum personal injury protection and property damage liability requirements.
Full-coverage policies include personal injury protection plus the following coverages, limits and deductibles:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000
- Collision: $500 deductible
- Comprehensive: $500 deductible
Driver report: QuoteWizard analyzed over 100,000 car insurance quotes to determine Florida's best- and worst-driving cities. Drivers were evaluated based on the number of accidents, citations, speeding tickets and DUIs in each city. QuoteWizard evaluated Federal Highway Administration data on road and bridge quality to determine the number of roads and bridges in “poor” or “unacceptable” condition.
Auto insurance by city
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