Average Car Insurance Costs for Various Cities in Fl
Cheapest car insurance rates in Florida: Geico
The average cost of car insurance in Florida is $2,072 per year, or $173 per month, for minimum liability.
The cheapest minimum-coverage car insurance in Florida comes from Geico. Car insurance from Geico costs $70 per month, which is 59% less than the average cost of coverage in Florida.
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Drivers may also find cheap prices with State Farm. Of the companies we surveyed, State Farm was one of two with average rates that were cheaper than the typical cost of coverage in Florida. We found that Allstate was the most expensive option for car insurance in the state.
*USAA is only available to current and former military members and their families.
Minimum-coverage auto insurance policies only meet Florida's minimum requirements. Unlike full-coverage car insurance policies, minimum coverage doesn't include comprehensive and collision coverages.
Cheapest full-coverage auto insurance rates in Florida: Geico
But drivers could find cheaper quotes by comparing different companies. The cheapest full-coverage auto insurance in Florida typically comes from Geico, which has rates that are 48% more affordable than the statewide average. That's a difference of nearly $237 per month.
*USAA is only available to current and former military members and their families.
You may also find cheap full coverage from State Farm, at $129 per month, which is 48% cheaper than the state average. State Farm is only $12 more expensive per month than Geico, on average. If you already have home or renters insurance with State Farm, the insurer could be a more affordable alternative to Geico thanks to bundling discounts.
Full-coverage car insurance includes comprehensive and collision coverages, which protect drivers against damage to their vehicles.
Cheap car insurance for drivers with prior incidents
The cost of Florida car insurance is typically more expensive for drivers who have been in crashes or who have gotten citations for DUIs or traffic violations. Geico and State Farm were the cheapest car insurance companies in Florida for high-risk drivers.
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href=\"#accident\" rel=\"\" target=\"_self\" title=\"Link\"\u003E\u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-center AffiliateImage--fluid VisualTOCItem--image\"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"Cheapest after an accident\" class=\"Image--root lazyload\" data-src=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_1.0,f_auto,q_auto\/referral_logos\/us\/insurance\/statefarm-2\" data-srcset=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_1.0,f_auto,q_auto\/referral_logos\/us\/insurance\/statefarm-2 1x, \/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_2.0,f_auto,q_auto\/referral_logos\/us\/insurance\/statefarm-2 2x\" src=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_2.0,f_auto,q_auto\/e_blur:1000,q_1,f_auto\/referral_logos\/us\/insurance\/statefarm-2\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/a\u003E\u003Ca class=\"Link--root VisualTOCItem--link Link--black\" href=\"#accident\" rel=\"\" 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src=\"\/\/res.cloudinary.com\/value-penguin\/image\/upload\/dpr_2.0,f_auto,q_auto\/e_blur:1000,q_1,f_auto\/referral_logos\/us\/insurance\/geico-5\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/a\u003E\u003Ca class=\"Link--root VisualTOCItem--link Link--black\" href=\"#dui\" rel=\"\" target=\"_self\" title=\"Link\"\u003ECheapest after a DUI\u003C\/a\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"VisualTOCItem\"\u003E{\"eventCategory\":\"Visual TOC Item\",\"eventLabel\":\"Cheapest after a DUI\",\"cloudinaryImageName\":\"referral_logos\\\/us\\\/insurance\\\/geico-5\",\"link\":\"#dui\",\"linkText\":\"Cheapest after a DUI\"}\u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/div\u003E\n\u003Cdiv class=\"quarter pad-half align-left clearfix\"\u003E\u003Cdiv class=\"ShortcodeCtaBanner--root ShortcodeCtaBanner--padding\"\u003E\n \n \u003Cdiv 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Cheapest for drivers with a speeding ticket: State Farm
State Farm has the cheapest car insurance for people who have gotten a speeding ticket. On average, State Farm's rates for these types of drivers are 50% cheaper than the state average.
Geico also has cheap rates for drivers with a speeding ticket — although Geico's rates are $680 more expensive than State Farm's.
| Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,839 | $153 |
| Geico | $2,520 | $210 |
| Allstate | $4,227 | $352 |
| Progressive | $6,112 | $509 |
*USAA is only available to current and former military members and their families.
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Cheapest for drivers after an accident: State Farm
Just a single accident on your driving record can raise your rates by $1,296 per year — an increase of 44% from average.
State Farm and Geico offer the cheapest full-coverage car insurance to drivers who have been in one accident. These two insurance providers are the only companies we found that offer monthly rates less than $200 to drivers with an accident on their records.
| Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,986 | $166 |
| Geico | $2,078 | $173 |
| Progressive | $6,474 | $540 |
| Allstate | $6,493 | $541 |
*USAA is only available to current and former military members and their families.
The cost of car insurance from Geico for drivers with one accident is $2,078 per year, which is 51% cheaper than the statewide average for similar drivers. State Farm's rates are 53% cheaper than average. These two companies were the only ones with cheaper-than-average rates.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"accident\"\u003ECheapest for drivers after an accident: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nJust a single accident on your driving record can raise your rates by $1,296 per year \u2014 an increase of 44% from average.\n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E and \u003Cstrong\u003EGeico\u003C\/strong\u003E offer the cheapest full-coverage car insurance to drivers who have been in one accident. These two insurance providers are the only companies we found that offer monthly rates less than $200 to drivers with an accident on their records.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECompany\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,986\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$166\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,078\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$173\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$6,474\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$540\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$6,493\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$541\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E*USAA is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Company\",\"Annual rate\",\"Monthly rate\"],[\"State Farm\",\"$1,986\",\"$166\"],[\"Geico\",\"$2,078\",\"$173\"],[\"Progressive\",\"$6,474\",\"$540\"],[\"Allstate\",\"$6,493\",\"$541\"]],\"footnote\":\"*USAA is only available to current and former military members and their families.\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe cost of car insurance from Geico for drivers with one accident is $2,078 per year, which is 51% cheaper than the statewide average for similar drivers. State Farm's rates are 53% cheaper than average. These two companies were the only ones with cheaper-than-average rates. \n","padding":"double"}
Cheapest for Florida drivers with a DUI: Geico
In Florida, drivers who have received a DUI may find the cheapest car insurance from Geico. Rates often increase by 50% after one violation, and Geico's increase more than that (71%), but it's still the cheapest option for drivers with a DUI.
State Farm is the second most affordable option, although its annual cost is $2,002 more expensive than Geico.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $2,642 | $220 |
| State Farm | $4,643 | $387 |
| Progressive | $5,196 | $433 |
| Allstate | $5,285 | $440 |
*USAA is only available to current and former military members and their families.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"dui\"\u003ECheapest for Florida drivers with a DUI: Geico\u003C\/h3\u003E\n\n\u003Cp\u003EIn Florida, drivers who have received a DUI may find the cheapest car insurance from \u003Cstrong\u003EGeico\u003C\/strong\u003E. Rates often increase by 50% after one violation, and Geico's increase more than that (71%), but it's still the cheapest option for drivers with a DUI.\u003C\/p\u003E\n\n\u003Cp\u003EState Farm is the second most affordable option, although its annual cost is $2,002 more expensive than Geico.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECompany\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,642\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$220\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,643\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$387\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,196\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$433\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,285\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$440\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E*USAA is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Company\",\"Annual rate\",\"Monthly rate\"],[\"Geico\",\"$2,642\",\"$220\"],[\"State Farm\",\"$4,643\",\"$387\"],[\"Progressive\",\"$5,196\",\"$433\"],[\"Allstate\",\"$5,285\",\"$440\"]],\"footnote\":\"*USAA is only available to current and former military members and their families.\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Cheapest for drivers with bad credit: Geico
Florida allows insurers to set rates based on your credit history. Fortunately, drivers with poor credit may still find cheap coverage from Geico or State Farm. Both of these insurers offer car insurance rates that are significantly cheaper than average. Geico's quotes for drivers with poor credit are 46% less than average, and State Farm's are 38% cheaper.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $2,639 | $220 |
| State Farm | $2,953 | $246 |
| Progressive | $6,224 | $519 |
| Allstate | $7,196 | $600 |
*USAA is only available to current and former military members and their families.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"credit\"\u003ECheapest for drivers with bad credit: Geico\u003C\/h3\u003E\n\n\u003Cp\u003EFlorida allows insurers to set rates based on your credit history. Fortunately, drivers with poor credit may still find cheap coverage from \u003Cstrong\u003EGeico\u003C\/strong\u003E or \u003Cstrong\u003EState Farm\u003C\/strong\u003E. Both of these insurers offer car insurance rates that are significantly cheaper than average. Geico's quotes for drivers with poor credit are 46% less than average, and State Farm's are 38% cheaper.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECompany\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,639\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$220\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,953\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$246\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$6,224\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$519\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$7,196\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$600\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E*USAA is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Company\",\"Annual rate\",\"Monthly rate\"],[\"Geico\",\"$2,639\",\"$220\"],[\"State Farm\",\"$2,953\",\"$246\"],[\"Progressive\",\"$6,224\",\"$519\"],[\"Allstate\",\"$7,196\",\"$600\"]],\"footnote\":\"*USAA is only available to current and former military members and their families.\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Cheapest for married drivers: Geico
It's common for married drivers to receive cheaper car insurance rates than unmarried drivers. In Florida, car insurance for married drivers tends to cost 6% less than average compared to their single counterparts. However, this discount isn't the same across all insurers. Progressive's rates, for example, fell by $833 for married drivers, while State Farm's remained the same.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $1,542 | $129 |
| State Farm | $1,693 | $141 |
| Progressive | $3,550 | $296 |
| Allstate | $4,365 | $364 |
*USAA is only available to current and former military members and their families.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EIt's common for married drivers to receive cheaper car insurance rates than unmarried drivers. In Florida, car insurance for married drivers tends to cost 6% less than average compared to their single counterparts. However, this discount isn't the same across all insurers. Progressive's rates, for example, fell by $833 for married drivers, while State Farm's remained the same.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECompany\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,542\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$129\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,693\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$141\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,550\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$296\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,365\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$364\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E*USAA is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Company\",\"Annual rate\",\"Monthly rate\"],[\"Geico\",\"$1,542\",\"$129\"],[\"State Farm\",\"$1,693\",\"$141\"],[\"Progressive\",\"$3,550\",\"$296\"],[\"Allstate\",\"$4,365\",\"$364\"]],\"footnote\":\"*USAA is only available to current and former military members and their families.\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Cheapest car insurance for teenage drivers: Geico
Teenage drivers may pay $1,996 more per year for minimum-coverage car insurance in Florida than older drivers.
The cheapest full-coverage car insurance for 18-year-old drivers comes from Geico. In Florida, Geico's rates are 59% cheaper than what teenage drivers typically pay for full-coverage car insurance. Alternatively, State Farm also offers cheap coverage — the insurer charges $2,045 less than average.
| Company | Liability only | Full coverage |
|---|---|---|
| Geico | $2,034 | $3,830 |
| State Farm | $2,883 | $4,754 |
| Progressive | $6,797 | $10,675 |
| Allstate | $7,997 | $12,271 |
*USAA is only available to current and former military members and their families.
The cost of car insurance for young drivers is significantly more expensive. For these drivers, the average cost of full coverage is $7,883 — more than two and a half times the average cost for 30-year-old drivers. However, teenagers can still find affordable car insurance in Florida by comparing rates from multiple companies.
Cheapest for teenage drivers with a speeding ticket: Geico
Young drivers with a speeding ticket could get affordable car insurance from Geico, which costs $2,532 per year — 53% cheaper than average.
Like an at-fault accident, receiving a speeding ticket increases the cost of car insurance for teenagers and older drivers. But on average, speeders see an average cost increase after a ticket that's $499 cheaper than the extra cost after an accident.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $2,532 | $211 |
| State Farm | $3,176 | $265 |
| Allstate | $7,997 | $666 |
| Progressive | $8,004 | $667 |
*USAA is only available to current and former military members and their families.
Cheapest for teenage drivers after an accident: Geico
At-fault accidents cause the cost of car insurance to increase, which is an even higher burden on teenage drivers whose premiums are already much more expensive. On average, Geico is the cheapest insurance provider for teenage drivers who have been in an accident. The insurer's rates are 64% cheaper than average.
| Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $2,141 | $178 |
| State Farm | $3,470 | $289 |
| Progressive | $7,746 | $645 |
| Allstate | $10,511 | $876 |
*USAA is only available to current and former military members and their families.
Best car insurance companies in Florida
State Farm is our choice for top insurance company in Florida based on a sterling rating from ValuePenguin's editors. We also factored in strong customer service ratings in the J.D. Power's Auto Insurance Claims Satisfaction Survey.
Customer service should be a key part of your decision with an insurer. Good service makes things smoother in what is often a stressful and trying time after an accident.
Geico is another strong option because of a convenient online experience when purchasing a policy, along with some of the state's lowest rates.
| Company | Editor's rating | JD Power | AM Best |
|---|---|---|---|
| State Farm | 848 | A++ | |
| Geico | 823 | A++ | |
| Allstate | 846 | A+ | |
| Progressive | 822 | A+ |
J.D. Power claims scores are out of 1,000, with higher scores being better. The National Association of Insurance Commissioners (NAIC) Complaint Index measures the number of complaints an insurance provider receives relative to its market share, or size. The agency uses 1.00 as the median number of complaints. A complaint index above 1.00 means an insurer receives more complaints than typical.
AM Best's financial strength rating is a letter grade describing an insurer's financial ability to pay out claims. The highest grade is A++.
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class=\\\"TriggerContent-sc-6l8ey JCLIs\\\"\\u003EEditor's rating\\u003C!-- --\\u003E \\u003C\\\/span\\u003E\\u003C\\\/span\\u003E\\n \\u003C\\\/span\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"Tooltip\\\"\\u003E\\n {\\\"content\\\":\\\"The ValuePenguin team rates insurance companies based on independent research, factoring in customer service, affordability, coverage offered and overall shopping experience. \\\\u003Cspan\\\\u003E\\\\u003Ca class=\\\\\\\"ShortcodeLink--root ShortcodeLink--black\\\\\\\" title=\\\\\\\"Learn how we calculate insurer ratings.\\\\\\\" href=\\\\\\\"https:\\\\\\\/\\\\\\\/www.valuepenguin.com\\\\\\\/best-auto-insurance#method\\\\\\\"\\\\u003ELearn how we calculate insurer ratings.\\\\u003C\\\\\\\/a\\\\u003E\\\\u003C\\\\\\\/span\\\\u003E\\\",\\\"icon\\\":\\\"\\\",\\\"label\\\":\\\"\\\",\\\"triggerText\\\":\\\"Editor's rating\\\"}\\n \\u003C\\\/script\\u003E\\n\\u003C\\\/span\\u003E\",\"\\u003Cspan class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cspan class=\\\"js-react-component-rendered js-react-component-Tooltip\\\" data-component-name=\\\"Tooltip\\\"\\u003E\\n \\u003Cspan class=\\\"Root-sc-1s0tjjv iFkEyL\\\"\\u003E\\u003Cspan class=\\\"TriggerContent-sc-6l8ey JCLIs\\\"\\u003EJD Power\\u003C!-- --\\u003E \\u003C\\\/span\\u003E\\u003C\\\/span\\u003E\\n \\u003C\\\/span\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"Tooltip\\\"\\u003E\\n {\\\"content\\\":\\\"J.D. Power's annual survey rates insurance customer satisfaction out of 1,000 points. Top companies tend to score at least 820 points.\\\",\\\"icon\\\":\\\"\\\",\\\"label\\\":\\\"\\\",\\\"triggerText\\\":\\\"JD Power\\\"}\\n \\u003C\\\/script\\u003E\\n\\u003C\\\/span\\u003E\",\"\\u003Cspan class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cspan class=\\\"js-react-component-rendered js-react-component-Tooltip\\\" data-component-name=\\\"Tooltip\\\"\\u003E\\n \\u003Cspan class=\\\"Root-sc-1s0tjjv iFkEyL\\\"\\u003E\\u003Cspan class=\\\"TriggerContent-sc-6l8ey JCLIs\\\"\\u003EAM Best\\u003C!-- --\\u003E \\u003C\\\/span\\u003E\\u003C\\\/span\\u003E\\n \\u003C\\\/span\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"Tooltip\\\"\\u003E\\n {\\\"content\\\":\\\"AM Best rates insurers' financial stability. 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aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":\\\"90\\\",\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"848\",\"A++\"],[\"Geico\",\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":\\\"80\\\",\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"823\",\"A++\"],[\"Allstate\",\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":\\\"60\\\",\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"846\",\"A+\"],[\"Progressive\",\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":\\\"60\\\",\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"822\",\"A+\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeBorder--root ShortcodeBorder--with-padding\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EJ.D. Power claims scores are out of 1,000, with higher scores being better. The National Association of Insurance Commissioners (NAIC) Complaint Index measures the number of complaints an insurance provider receives relative to its market share, or size. The agency uses 1.00 as the median number of complaints. A complaint index above 1.00 means an insurer receives more complaints than typical.\u003C\/p\u003E\n\n\u003Cp\u003EAM Best's financial strength rating is a letter grade describing an insurer's financial ability to pay out claims. The highest grade is A++.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Average cost of car insurance in Florida by city
The cost of auto insurance in Florida is $2,962 per year for a full-coverage policy, or $247 per month. Location, along with other personal characteristics, can change your typical cost.
The city with the cheapest car insurance in Florida is Santa Rosa Beach, with an average cost of $2,122 per year, while Brownsville is the most expensive city at $4,291 per year.
| City | Average annual cost | Percent from average |
|---|---|---|
| Alachua | $2,225 | -25% |
| Alafaya | $2,903 | -2% |
| Alford | $2,247 | -24% |
| Allentown | $2,385 | -19% |
| Altamonte Springs | $2,710 | -8% |
Show All Rows
Auto insurance in Florida: Minimum-coverage requirements
Florida's minimum required car insurance coverage limits, per the Florida Office of Insurance Regulation and the state's motor vehicle requirements, are as follows:
Bodily injury liability and uninsured motorist coverage come standard and are recommended with your policy, but you can reject them in writing.
Though you may meet Florida's minimum auto insurance requirements, it may not be the policy best suited to your needs. We recommend that drivers consider opting in for higher coverage limits.
If you are in a particularly expensive accident, your minimum coverage may not be enough to fully cover the damages, and you may have to pay out of pocket.
This applies whether you're a college student at the University of Central Florida on a budget, a new driver starting out in Tallahassee or a retiring senior in South Florida.
Florida No-Fault Law
Florida is a no-fault state, which means insurers are required to provide coverage to drivers regardless of who is at-fault in an accident. The Florida Motor Vehicle No-Fault Law helps ensure that drivers receive appropriate medical care and some degree of financial protection.
For this reason, Florida drivers need to carry PIP and PDL as part of their car insurance policy.
- PIP covers up to 80% of medical expenses and 60% of lost income if you are unable to work, up to a combined limit of $10,000.
- PDL reimburses property damage to other drivers' vehicles in an accident, up to $10,000. If your car is damaged, the other driver's PDL will pay for your repair costs.
Although Florida's no-fault law requires drivers to carry personal injury protection, at-fault drivers can still be sued in the event of serious bodily injury or death. For this reason, carrying bodily injury liability (BIL) coverage is often recommended to guarantee additional protection from such lawsuits.
Florida Financial Responsibility Law: Requirements for SR-22 and FR-44 policies
If you cause an accident that results in bodily injury to another person, or if you are found to be driving under the influence, you will be required to hold additional coverage types and higher coverage limits under the Florida Financial Responsibility Law, called SR-22 or FR-44 insurance.
SR-22 insurance requirements
For accidents that result in any degree of bodily injury or death, drivers will be asked to file SR-22 insurance, often referred to as a certificate of financial responsibility. In addition to Florida's no-fault requirements, SR-22 insurance requires:
- BIL: $10,000 per person
- BIL: $20,000 per accident
These coverages will pay for bodily injury to other drivers or passengers involved in an accident that you cause.
FR-44 insurance requirements
Florida residents convicted of driving under the influence (DUI) of alcohol or drugs are required to meet FR-44 insurance standards. FR-44 coverage requirements are substantially higher than no-fault minimum coverages or SR-22 certificates. Specifically, FR-44 insurance requires:
- BIL: $100,000 per person
- BIL: $300,000 per accident
- PDL: $50,000 per accident
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EFlorida's minimum required car insurance coverage limits, per the Florida Office of Insurance Regulation and the state's motor vehicle requirements, are as follows:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Personal injury protection (PIP)\" href=\"https:\/\/www.valuepenguin.com\/car-insurance\/how-pip-works-florida\"\u003EPersonal injury protection (PIP)\u003C\/a\u003E\u003C\/span\u003E: $10,000 per accident\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Property damage liability (PDL)\" href=\"https:\/\/www.valuepenguin.com\/property-damage-liability-car-insurance\"\u003EProperty damage liability (PDL)\u003C\/a\u003E\u003C\/span\u003E: $10,000 per accident\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeBorder--root ShortcodeBorder--with-padding\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EBodily injury liability and uninsured motorist coverage come standard and are recommended with your policy, but you can reject them in writing.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThough you may meet Florida's minimum auto insurance requirements, it may not be the policy best suited to your needs. We recommend that drivers consider opting in for higher coverage limits.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n If you are in a particularly expensive accident, your minimum coverage may not be enough to fully cover the damages, and you may have to pay out of pocket.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThis applies whether you're a college student at the University of Central Florida on a budget, a new driver starting out in Tallahassee or a retiring senior in South Florida.\u003C\/p\u003E\n\n\u003Ch3\u003EFlorida No-Fault Law\u003C\/h3\u003E\n\n\u003Cp\u003EFlorida is a no-fault state, which means insurers are required to provide coverage to drivers regardless of who is at-fault in an accident. The Florida Motor Vehicle No-Fault Law helps ensure that drivers receive appropriate medical care and some degree of financial protection.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EFor this reason, Florida drivers need to carry \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What Is Personal Injury Protection Car Insurance?\" href=\"https:\/\/www.valuepenguin.com\/personal-injury-protection-car-insurance\"\u003EPIP\u003C\/a\u003E\u003C\/span\u003E and PDL as part of their car insurance policy.\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n PIP covers up to 80% of medical expenses and 60% of lost income if you are unable to work, up to a combined limit of $10,000.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n PDL reimburses property damage to other drivers' vehicles in an accident, up to $10,000. If your car is damaged, the other driver's PDL will pay for your repair costs.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003EAlthough Florida's no-fault law requires drivers to carry personal injury protection, at-fault drivers can still be sued in the event of serious bodily injury or death. For this reason, carrying bodily injury liability (BIL) coverage is often recommended to guarantee additional protection from such lawsuits.\u003C\/p\u003E\n\n\u003Ch3\u003EFlorida Financial Responsibility Law: Requirements for SR-22 and FR-44 policies\u003C\/h3\u003E\n\n\u003Cp\u003EIf you cause an accident that results in bodily injury to another person, or if you are found to be driving under the influence, you will be required to hold additional coverage types and higher coverage limits under the Florida Financial Responsibility Law, called \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"SR-22 or FR-44 insurance\" href=\"https:\/\/www.valuepenguin.com\/car-insurance\/sr22-fr44-florida\"\u003ESR-22 or FR-44 insurance\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n\u003Ch4\u003ESR-22 insurance requirements\u003C\/h4\u003E\n\n\u003Cp\u003EFor accidents that result in any degree of bodily injury or death, drivers will be asked to file SR-22 insurance, often referred to as a certificate of financial responsibility. In addition to Florida's no-fault requirements, SR-22 insurance requires:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n BIL: $10,000 per person\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n BIL: $20,000 per accident\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003EThese coverages will pay for bodily injury to other drivers or passengers involved in an accident that you cause.\u003C\/p\u003E\n\n\u003Ch4\u003EFR-44 insurance requirements\u003C\/h4\u003E\n\n\u003Cp\u003EFlorida residents convicted of driving under the influence (DUI) of alcohol or drugs are required to meet FR-44 insurance standards. FR-44 coverage requirements are substantially higher than no-fault minimum coverages or SR-22 certificates. Specifically, FR-44 insurance requires:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n BIL: $100,000 per person\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n BIL: $300,000 per accident\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n PDL: $50,000 per accident\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
Recap of the cheapest car insurance in Florida
- Minimum coverage: Geico
- Full coverage: Geico
- After a speeding ticket: State Farm
- After an at-fault accident: State Farm
- After a DUI: Geico
- Poor credit history: Geico
- Married drivers: Geico
- Young drivers: Geico
- Young drivers after an accident: Geico
- Young drivers after a ticket: Geico
Frequently asked questions about car insurance in Florida
How much is car insurance in Florida?
The average cost of car insurance in Florida is $2,962 per year, or $247 per month for most 30-year-old drivers. Teenagers pay on average $7,883 per year for full-coverage auto insurance in Florida. Our study found that Florida is the second most expensive state to insure a car with a minimum-liability policy.
Who has the cheapest car insurance in Florida?
Geico provides the cheapest car insurance in Florida for most people. The insurer offers the lowest rates for liability-only and full-coverage policies for young and old drivers. State Farm has the most affordable car insurance for drivers who have an accident or speeding ticket on their records.
Why is car insurance in Florida so expensive?
One reason that Florida's car insurance rates are relatively expensive compared to other states is because of the high number of uninsured drivers on the road. Additionally, Florida's roadways are often crowded with both state residents and millions of tourists. More drivers on the road increases the chance that accidents will occur — and that insurers will have to pay out claims.
What is considered full-coverage auto insurance in Florida?
Florida's lawmakers require drivers to carry $10,000 of personal injury protection and $10,000 of property damage liability. Florida doesn't require drivers to carry bodily injury liability, which is typically mandated in other states.
Methodology
We collected thousands of rates from ZIP codes across Florida for the largest insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Has average credit
The base policy for the study was a full-coverage policy with the following limits:
| Coverage type | Study limits |
|---|---|
| Bodily liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum-coverage policy, we quoted a policy with the minimum required limits in Florida.
For other rates analyses (credit score, accident history and marriage status), the base policy was alternated to reflect the new driver. Policies for young drivers are for minimum coverage.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Average Car Insurance Costs for Various Cities in Fl
Source: https://www.valuepenguin.com/cheap-car-insurance-florida-study
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