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Last updated: March 21, 2025
Compare Cheap Auto Insurance in Florida
Travelers, GEICO and State Farm offer the cheapest auto insurance for most drivers in Florida, with State Farm also providing the best customer service.
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Florida is one of the most expensive states for car insurance. The average annual rate for full coverage auto insurance in the Sunshine State is $3,268, which is 36 percent higher than the national average of $2,399. Minimum coverage is similarly expensive, at $1,589, on average — 150 percent more than the national average of $635.
Florida is a no-fault state, meaning that in the event of an accident, each party’s insurance covers their respective medical payments regardless of fault. However, the at-fault driver is still responsible for any property damage. The no-fault system leads to higher average insurance rates for everyone, and Florida’s high rates are also affected by other factors, such as the risk of damage from natural disasters.
Overview
- The average annual costs of full coverage and minimum-coverage auto insurance in Florida are $3,268 and $1,589, respectively.
- Travelers and GEICO offer some of the cheapest rates in most categories; GEICO has slightly better customer satisfaction ratings.
- State Farm and Nationwide also offer competitive rates for various driver profiles in Florida.
Jump to:
- Cheapest full coverage auto insurance in Florida: Travelers ($2,142 annually) and State Farm ($2,333 annually)
- Cheapest minimum coverage: GEICO ($806 annually) and State Farm ($1,028 annually)
- Cheapest with a teen driver: GEICO ($5,109 annually) and State Farm ($5,910 annually)
- Cheapest with a speeding ticket: Travelers ($2,606 annually) and State Farm ($2,645 annually)
- Cheapest with an at-fault accident: Travelers ($2,777 annually) and State Farm ($2,892 annually)
- Cheapest with a DUI: Travelers ($3,094 annually) and State Farm ($3,555 annually)
- Cheapest for low credit: UAIC ($2,928 annually) and GEICO ($3,022 annually)
Cheapest Car Insurance in Florida for Full Coverage: Travelers
Drivers with clean records in Florida may find the cheapest rates from Travelers, with an average annual premium of $2,142. This is significantly lower than the statewide average of $3,268 and just below the national average. State Farm and GEICO also offer affordable rates below the state average.
| Provider | Annual full coverage | Monthly full coverage |
|---|---|---|
| Travelers | $2,142 | $179 |
| State Farm | $2,333 | $194 |
| GEICO | $2,508 | $209 |
| Nationwide | $2,716 | $226 |
| UAIC | $3,102 | $259 |
| Progressive | $3,884 | $324 |
| Allstate | $4,480 | $373 |
| Florida average | $3,268 | $272 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Florida for Minimum Coverage: GEICO
GEICO offers the cheapest rates for minimum coverage in Florida. The average annual premium for minimum coverage in Florida is $806, which is about half the statewide average. Drivers who are looking for state minimum coverage also may find affordable rates from State Farm and Travelers.
| Provider | Annual minimum coverage | Monthly minimum coverage |
|---|---|---|
| GEICO | $806 | $67 |
| State Farm | $1,028 | $86 |
| Travelers | $1,140 | $95 |
| Progressive | $1,751 | $146 |
| Allstate | $2,065 | $172 |
| UAIC | $2,404 | $200 |
| Florida average | $1,589 | $132 |
| National average | $635 | $53 |
Cheapest Car Insurance in Florida for Teen Drivers: GEICO
GEICO also has the best rates for teen drivers in the Sunshine State. Its average premium for teen auto insurance is $5,109, which is well below the statewide average of $8,207. State Farm and Travelers also have below-average rates for teens. Young drivers face the highest premiums due to their lack of experience, so it’s important to look for the cheapest rates and take advantage of any teen discounts.
| Provider | Annual rate with a teen driver | Monthly rate with a teen driver |
|---|---|---|
| GEICO | $5,109 | $426 |
| State Farm | $5,910 | $493 |
| Travelers | $5,980 | $498 |
| UAIC | $7,696 | $641 |
| National General | $7,995 | $666 |
| Progressive | $10,275 | $856 |
| Allstate | $12,787 | $1,066 |
| Florida average | $8,207 | $684 |
| National average | $5,327 | $444 |
Cheapest Car Insurance in Florida With a Speeding Ticket: Travelers
Travelers offers the lowest average rate for drivers with a speeding ticket in Florida. At $2,606, it’s 31 percent lower than the state average and slightly above the national average. State Farm, Nationwide and UAIC also have competitive rates.
| Provider | Annual rate with a speeding ticket | Monthly rate with a speeding ticket |
|---|---|---|
| Travelers | $2,606 | $217 |
| State Farm | $2,645 | $220 |
| Nationwide | $3,010 | $251 |
| UAIC | $3,058 | $255 |
| GEICO | $3,767 | $314 |
| Allstate | $4,772 | $398 |
| Progressive | $5,143 | $429 |
| Florida average | $3,769 | $314 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Florida With an At-Fault Accident: Travelers
Travelers also offers the best rates for drivers with an at-fault accident on their record. The company’s average annual rate for drivers with an at-fault accident is $2,777, which is significantly cheaper than the statewide average of $4,285 and slightly below the national average. State Farm comes in second, with an average rate of $2,892 per year.
| Provider | Annual rate with an at-fault accident | Monthly rate with an at-fault accident |
|---|---|---|
| Travelers | $2,777 | $231 |
| State Farm | $2,892 | $241 |
| GEICO | $3,339 | $278 |
| UAIC | $3,964 | $330 |
| Progressive | $5,788 | $482 |
| Allstate | $7,166 | $597 |
| Florida average | $4,285 | $357 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in Florida With a DUI: Travelers
A DUI is a severe offense that can significantly increase insurance premiums. Drivers in Florida with a DUI may find the cheapest rates from Travelers; the company’s average rate of $3,094 per year is 32 percent lower than the state average. State Farm also offers competitive rates for high-risk drivers in the Sunshine State.
| Provider | Annual rate with a DUI | Monthly rate with a DUI |
|---|---|---|
| Travelers | $3,094 | $258 |
| State Farm | $3,555 | $296 |
| GEICO | $4,285 | $357 |
| Progressive | $4,302 | $359 |
| Nationwide | $4,562 | $380 |
| UAIC | $5,300 | $442 |
| Allstate | $5,973 | $498 |
| Florida
average |
$4,557 | $380 |
| National average | $3,305 | $275 |
FYI:
Having a DUI on your record can make it more difficult to find insurance coverage. If you’re having trouble finding affordable coverage, check out our list of the best providers for high-risk drivers.
Cheapest Car Insurance in Florida With Low Credit: UAIC
UAIC has the cheapest rates for drivers with low credit in Florida, at $2,928 annually. GEICO and Nationwide also offer competitive rates of $3,022 per year and $3,613 per year, respectively.
| Provider | Annual rate with low credit | Monthly rate with low credit |
|---|---|---|
| UAIC | $2,928 | $244 |
| GEICO | $3,022 | $252 |
| Nationwide | $3,613 | $301 |
| Travelers | $3,767 | $314 |
| State Farm | $5,229 | $436 |
| Florida average | $4,849 | $404 |
| National average | $3,377 | $281 |
Best Claims and Customer Satisfaction in Florida: State Farm
In Florida, State Farm beats competitors in customer service. It also has some of the lowest rates in many categories, so it’s definitely worth getting a quote from the company if you live in Florida. Even if it’s not the absolute cheapest rate you’re offered, it may be worth paying a bit more if customer service is important to you. USAA ranks well for customer service as well, but its availability is limited to the military community. Finally, Auto-Owners ranks well for satisfaction, but its average rates in Florida aren’t available; get a quote to see how it compares.
| Provider | Florida customer satisfaction score (J.D. Power)1 | Claims satisfaction score (J.D. Power)2 | CRASH Network Insurer Report Card grade3 |
|---|---|---|---|
| USAA | 723 | 726 | D+ |
| Auto-Owners | 654 | 692 | B |
| State Farm | 650 | 710 | C- |
| Allstate | 643 | 691 | D |
| GEICO | 629 | 692 | C- |
| Travelers | 608 | 684 | C |
| Progressive | 587 | 672 | C |
| Nationwide | N/A | 728 | C |
| Average | 625 | 697 | C+ |
How to Find the Cheapest Car Insurance Rates in Florida
- Get multiple quotes. Although drivers in Florida should expect higher car insurance rates than the national average, every company assesses risk differently and will offer you a different rate. Depending on your profile, you may get wildly different quotes, so it’s important to check with multiple companies to get the best rate.
- Drive safely. Insurance in Florida is pricey as a baseline, but the best way to keep your rates as low as possible is to practice safe driving habits and keep your record clean. An at-fault accident, for example, can raise your rates by over 20 percent, on average.
- Ask about discounts. Most drivers can take advantage of discounts on their auto policy, including bundling discounts, safety equipment discounts and multivehicle discounts. If you’re not sure what discounts are available, check with an agent to make sure you’re getting all the discounts you’re eligible for.
- Sign up for a telematics program. Most major insurers offer telematics programs, which use a plug-in device in your car and/or a mobile app to track your driving habits, such as speed and braking. If you drive safely, you’re rewarded with a discount, which can be upward of 20 percent off your premium. However, some programs can also raise rates for unsafe driving, so make sure to read the fine print before you enroll.
Average Auto Insurance Cost in Florida by City
Location is one factor in the cost of car insurance, and major cities generally experience the highest prices. In Florida, Miami has the highest rates, at $4,537 per year, which is 39 percent higher than the statewide average. Average rates go down significantly in Orlando to $3,502, but they still come in above the state average.
| City | Annual full coverage | Monthly full coverage |
|---|---|---|
| Miami | $4,537 | $378 |
| Tampa | $4,384 | $365 |
| St. Petersburg | $3,729 | $311 |
| Orlando | $3,502 | $292 |
| Florida average | $3,268 | $272 |
Minimum Car Insurance Requirements in Florida
Drivers in Florida must carry a minimum amount of car insurance by law, though Florida’s requirements are lower than those of other states. These are the minimum coverage limits:
- Property damage liability: $10,000 per accident
- Personal injury protection (PIP): $10,000 per person
Florida is one of the only states that do not require bodily injury liability coverage; even other no-fault states require this coverage. While you technically may not need it because every driver has PIP, you can find yourself in a bad situation if you cause an accident and the other driver’s injuries are severe enough to allow them to recover damages from you. Without any bodily injury liability coverage, you would be responsible for those costs out of pocket. That’s why we recommend adding bodily injury liability to your policy, as well as comprehensive and collision coverage, if you can afford it. Additionally, if you leased or financed your car, your lender may require you to carry full coverage and gap insurance in Florida.
Frequently Asked Questions
Who has the cheapest car insurance in Florida?
Travelers and State Farm offer the cheapest full coverage auto insurance in Florida, at $2,142 annually and $2,333 annually, respectively. For minimum coverage, GEICO and State Farm are the cheapest, with average rates of $806 annually and $1,028 annually. However, your rates might differ, so always get quotes from multiple companies.
How do rates for young drivers compare with those for older drivers in Florida?
As in other states, average rates for young drivers are much higher than those for older drivers in Florida. The average annual premium for a teen driver, for example, is $8,207, while the average premium for senior drivers is $2,922 per year. Rates go down throughout young adulthood as drivers gain more experience on the road, and adult and senior drivers typically pay the lowest rates.
What are the benefits of bundling auto insurance with other policies in Florida?
Bundling auto insurance with other policies, such as home or renters, offers significant savings on both policies. It’s one of the most common discounts offered and often one of the best savings opportunities. If you need more than one policy, chances are, you’re better off getting them from the same provider. Bundling discounts can often save you up to 25 percent on your premiums.
What is the recommended auto insurance coverage in Florida?
Florida’s minimum coverage requirements are relatively low: $10,000 per accident for property damage liability and $10,000 per person for personal injury protection. However, we recommend increasing your coverage to include bodily injury liability and full coverage, as well as raising your limits to at least 100/300/100, for added financial protection and peace of mind.
Methodology
We analyze average auto insurance premiums in Florida for full and minimum coverage for good drivers with good credit. We also analyzed premiums for drivers with DUIs, accidents and low credit, as well as households with teenagers. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Personal injury protection: $10,000 per person
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyInsurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/
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