Best Pay-As-You-Go Auto Insurance in Florida (Top 10 Companies in 2024)
Liberty Mutual, Farmers, or State Farm sell the best pay-as-you-go auto insurance in Florida. Erie and Safeco are the cheapest pay-per-mile insurance in Florida with base rates of $22 and $27. Liberty Mutual has the biggest low-mileage car insurance discount of up to 30%.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Apr 28, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Min. Coverage for Pay-As-You-Go Auto Insurance in Florida
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage for Pay-As-You-Go Auto Insurance in Florida
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage for Pay-As-You-Go Auto Insurance in Florida
A.M. Best Rating
Complaint Level
Pros & Cons
Liberty Mutual, Farmers, and State Farm have the best pay-as-you-go auto insurance in Florida.
While Florida auto insurance can be expensive, the following companies have great coverage and discount options.
Company | Rank | Safe Driving Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 21% | A | Tailored Coverage | Liberty Mutual | |
#2 | 21% | A | Comprehensive Coverage | Farmers | |
#3 | 20% | A++ | Reliable Service | State Farm | |
#4 | 17% | A | Enhanced Protection | Safeco | |
#5 | 23% | A | Usage-Based | Metromile | |
#6 | 19% | A+ | Filing Claims | Erie | |
#7 | 24% | A | Flexible Plans | AAA | |
#8 | 25% | A++ | Custom Discounts | Travelers | |
#9 | 20% | A | Personalized Service | American Family | |
#10 | 18% | A+ | Organization Discount | The Hartford |
Want to find the cheapest pay-per-mile insurance in Florida today? Enter your ZIP code into our free quote tool.
- Liberty Mutual has the best pay-per-mile insurance in Florida
- You can also get pay-as-you-go monthly auto insurance at Farmers or State Farm
- Most companies don’t offer pay-as-you-go commercial auto insurance
#1 – Liberty Mutual: Top Pick Overall
Pros
- Tailored Coverage: Liberty Mutual has a variety of coverages, which you can read about in our Liberty Mutual review.
- Coverages: Drivers have access to Liberty Mutual’s range of coverage and deductible options.
- 24/7 Support Line: Customers can get help with claims, policy changes, and more.
Cons
- Discount Availability: Liberty Muutal’s UBI discount isn’t available everywhere.
- Data Tracking: Drivers may need additional tracking devices to monitor driving behavior.
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#2 – Farmers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Farmers offer comprehensive policies. Learn about its other coverages in our review of Farmers.
- Financial Stability: A.M. Best gave Farmers an A rating for financial stability.
- Local Agents: Farmers’ agent network helps provide personalized support.
Cons
- High-Risk Driver Rates: Farmers’ rates may not be as competitive for drivers with high-risk records.
- UBI Discount Availability: Currently, Farmers doesn’t offer its UBI discount in Florida.
#3 – State Farm: Best for Reliable Service
Pros
- Reliable Service: State Farm has great reliability ratings, which we cover in our State Farm review.
- Low-Mileage Discounts: State Farm offers several discounts, including a low-mileage one.
- Coverage Options: The company offers extras like roadside assistance.
Cons
- No Online Purchases: Purchases are agent-only at State Farm.
- Data Tracking: Customers may need to get an additional tracking device for the UBI program.
#4 – Safeco: Best for Enhanced Protection
Pros
- Enhanced Protection: Safeco offers enhanced protection options with adjustable deductibles and add-on coverages.
- User-Friendly: Safeco’s apps are user-friendly and convenient.
- Multiple Discounts: Safeco offers discounts besides low-mileage discounts. Learn more in our Safeco review.
Cons
- Availability: Safeco is limited to specific Florida regions.
- High-Mileage Rates: Prices may not be as affordable for high-mileage drivers.
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#5 – Metromile: Best for Usage-Based
Pros
- Usage-Based: Metromile calculates rates based on how much drivers travel. Our Metromile review covers this in more detail.
- User-Friendly: Metromile’s app makes tracking trips and managing policies easy.
- Coverage Options: Metromile has a good selection of basic coverages.
Cons
- Availability: Metromile is only available in a few states.
- Not for High-Mileage Drivers: Metromile isn’t great for drivers who drive over 10,000 miles annually.
#6 – Erie: Best for Filing Claims
Pros
- Filing Claims: Erie’s claim filing process is simple, and you can check your status online.
- Customer Service: Erie has a good reputation for customer service, which you can learn about in our Erie review.
- Multiple Discounts: Customers can get safe driving discounts and more.
Cons
- Availability: Erie has limited availability in states across the U.S.
- Data Tracking: Some customers may need an additional device to monitor driving behavior for the UBI discount.
#7 – AAA: Best for Flexible Plans
Pros
- Flexible Plans: Customers can make a plan that suits their needs at AAA. Our AAA review goes over AAA plans in more detail.
- Roadside Assistance: AAA’s roadside assistance is highly rated.
- Travel and Shopping Discounts: AAA members get discounts on more than just auto insurance.
Cons
- Membership Fees: The fees for joining AAA may negate savings for some customers.
- High-Mileage Rates: AAA’s rates are best for low-mileage drivers.
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#8 – Travelers: Best for Custom Discounts
Pros
- Custom Discounts: Travelers offers custom discounts in its usage-based auto insurance program.
- Unique Coverage: Customers can purchase less common coverages like non-owner insurance. Read more about coverage options in our review of Travelers.
- Accident Forgiveness: Travelers may forgive some drivers’ first accident.
Cons
- Customer Service: Customers gave Travelers a few negative ratings.
- High-Mileage Rates: Travelers may not be best for drivers who travel more than the average annually.
#9 – American Family: Best for Personalized Service
Pros
- Personalized Service: American Family’s agents provide personalized service to customers.
- Discounts: American Family has several discounts. Learn about the company’s discounts in our American Family review.
- User-Friendly: American Family’s app and website are simple to use.
Cons
- Availability: American Family isn’t sold in many states.
- High-Mileage Rates: American Family’s rates aren’t the best for high-mileage discounts.
#10 – The Hartford: Best for Organization Discount
Pros
- Organization Discount: The Hartford has organization discounts, such as military discounts.
- Customizable Coverages: The Hartford has customizable policies, which you can learn more about in our review of The Hartford.
- Financial Stability: The Hartford has strong ratings for financial strength.
Cons
- High-Mileage Rates: Rates for The Hartford can be higher for high-mileage drivers.
- Tracking Devices: Some drivers may need additional devices for the UBI discount.
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Florida Pay-As-You-Go Auto Insurance: How It Works
Pay-as-you-go auto insurance often works by paying a base rate daily or monthly and then a per-mile rate. However, some companies like Liberty Mutual also offer usage-based insurance programs that offer discounts on regular auto insurance for safe driving and low mileage.
If you want pay-per-mile insurance, then make sure to check out the best pay-as-you-go auto insurance companies. Bear in mind that these companies do use telematics technology to base rates, so you will need to be comfortable with your driving data being recorded.
Benefits of Pay-As-You-Go Auto Insurance
One of the benefits of pay-per-mile auto insurance is that the less you drive, the cheaper your rates will be on your policy.
Age & Gender | 6,000 Miles | 10,000 Miles | 12,000 Miles | 15,000 Miles |
---|---|---|---|---|
16-Year-Old Female | $72 | $128 | $158 | $186 |
16-Year-Old Male | $84 | $143 | $169 | $212 |
20-Year-Old Female | $95 | $149 | $169 | $200 |
20-Year-Old Male | $102 | $168 | $188 | $235 |
30-Year-Old Female | $98 | $146 | $166 | $209 |
30-Year-Old Male | $109 | $170 | $181 | $227 |
40-Year-Old Female | $98 | $151 | $161 | $200 |
40-Year-Old Male | $102 | $170 | $176 | $215 |
50-Year-Old Female | $95 | $150 | $158 | $198 |
50-Year-Old Male | $100 | $156 | $169 | $205 |
60-Year-Old Female | $58 | $100 | $125 | $160 |
60-Year-Old Male | $80 | $131 | $157 | $196 |
70-Year-Old Female | $54 | $90 | $100 | $150 |
70-Year-Old Male | $70 | $127 | $149 | $185 |
It is easier to get cheap low-mileage Florida auto insurance for seniors, as companies consider seniors less risky to insure. However, your location in Florida will also have an impact on your rates.
Age & Gender | Jacksonville | Miami | Orlando | Tallahassee | Tampa |
---|---|---|---|---|---|
16-Year-Old Female | $690 | $750 | $720 | $700 | $730 |
16-Year-Old Male | $740 | $800 | $770 | $750 | $780 |
20-Year-Old Female | $190 | $210 | $200 | $195 | $205 |
20-Year-Old Male | $210 | $230 | $220 | $215 | $225 |
30-Year-Old Female | $100 | $110 | $105 | $102 | $108 |
30-Year-Old Male | $105 | $115 | $110 | $107 | $113 |
40-Year-Old Female | $95 | $105 | $100 | $97 | $103 |
40-Year-Old Male | $97 | $107 | $102 | $99 | $105 |
50-Year-Old Female | $90 | $100 | $95 | $92 | $98 |
50-Year-Old Male | $92 | $102 | $97 | $94 | $100 |
60-Year-Old Female | $85 | $95 | $90 | $87 | $93 |
60-Year-Old Male | $87 | $97 | $92 | $89 | $95 |
70-Year-Old Female | $88 | $98 | $93 | $90 | $96 |
70-Year-Old Male | $90 | $100 | $95 | $92 | $98 |
Miami and Tampa are some of the more expensive cities in Florida. Make sure you get a low-mileage discount if you live in these cities (learn more: how to get a low-mileage auto insurance discount).
Florida Auto Insurance Requirements
If you don’t fulfill Florida minimum auto insurance requirements, you will be driving illegally. Florida has different insurance requirements than most states, as it is a no-fault insurance state.
Florida drivers must have $10,000 each for property damage liability insurance and bodily injury protection (PIP) insurance.Dani Best Licensed Insurance Producer
If you want cheap no-fault auto insurance, then minimum coverage with just personal injury protection (PIP) and property damage insurance will be the most economical. However, it doesn’t provide as much protection as full coverage.
Age & Gender | Minimum Coverage | Full Coverage |
---|---|---|
16-Year-Old Female | $260 | $736 |
16-Year-Old Male | $299 | $808 |
20-Year-Old Female | $71 | $193 |
20-Year-Old Male | $77 | $113 |
30-Year-Old Female | $66 | $97 |
30-Year-Old Male | $71 | $104 |
40-Year-Old Female | $58 | $156 |
40-Year-Old Male | $59 | $260 |
50-Year-Old Female | $54 | $156 |
50-Year-Old Male | $55 | $160 |
60-Year-Old Female | $53 | $139 |
60-Year-Old Male | $56 | $148 |
70-Year-Old Female | $56 | $161 |
70-Year-Old Male | $58 | $164 |
If you can afford to do so, then full coverage is better than meeting just the bare minimum for Florida auto insurance requirements.
Florida No-Fault Insurance Laws
Florida no-fault auto insurance laws require drivers to carry PIP insurance and property damage insurance. In a no-fault state, there is no fault assigned in an accident, meaning each driver is responsible for paying their own accident bills. Because of this, the more coverage you can carry in Florida, the better.
Learn more: Best Auto Insurance Companies for Cheap Personal Injury Protection
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More Ways to Save Money on Florida Auto Insurance
If you want to save money, make sure to shop at the best companies for pay-as-you-go auto insurance.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
AAA | $32 | $86 |
American Family | $53 | $139 |
Erie | $22 | $58 |
Farmers | $44 | $117 |
The Hartford | $43 | $113 |
Liberty Mutual | $68 | $174 |
Metromile | $44 | $115 |
Safeco | $27 | $71 |
State Farm | $33 | $86 |
Travelers | $37 | $99 |
Auto insurance discounts are another great way to find savings.
Make sure to check with your company to see if they offer a low-mileage car insurance discount.
How to Find the Best Pay-As-You-Go Auto Insurance in Florida
Signing up for a low-mileage auto insurance discount or buying a pay-per-mile insurance policy is one of the best ways for low-mileage drivers to save. Even if you drive over 10,000 miles per year, though, this doesn’t mean you can’t get affordable insurance by shopping at the cheapest auto insurance companies.
If you want to get Florida auto insurance quotes quickly, compare rates with our free tool.
Frequently Asked Questions
Is Florida mileage-based insurance worth it?
If you drive fewer than 10,000 miles per year, then it may be worth it. Make sure to look at pay-per-mile auto insurance comparisons to see which company offers the best deal for you.
Which insurance company has the highest customer satisfaction in Florida?
USAA has the highest customer satisfaction in Florida.
Who has the most affordable auto insurance in Florida?
The cheapest auto insurance companies in Florida are USAA, Erie, Safeco, and State Farm.
How do Florida insurance companies verify mileage?
Pay-as-you-go insurance companies verify mileage through device tracking or by having drivers send pictures of their mileage each month.
Who is cheaper than Geico auto insurance in Florida?
USAA has the cheapest Florida auto insurance rates on average. Enter your ZIP code below to find cheap USAA quotes in your Florida area.
What is the cheapest annual mileage for Florida auto insurance?
Drivers with fewer than 10,000 miles generally have the cheapest rates (learn more: how annual mileage affects auto insurance rates).
Is Progressive auto insurance good in Florida?
Progressive’s rates can be more expensive, but it does have good coverage options. Make sure to read Florida pay-per-mile insurance reviews on Progressive and other companies before making a final choice.
Is Root auto insurance available in Florida?
Yes, Root auto insurance is available in Florida.
Is State Farm auto insurance leaving Florida?
No, State Farm is not leaving Florida. Check out our article to find out which auto insurance companies are leaving Florida: Auto Insurance Companies Pulling Out of Florida.
Can I pay for Florida pay-as-you-go auto insurance in full?
You can’t pay for a pay-per-mile insurance policy in full, but you can pay for a regular monthly policy in full.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.