The Essential Cheap Auto Insurance Rates Guide in Florida (2022)
USAA, Allied, and State Farm provide cheap auto insurance in Florida. However, multiple factors (such as age) determine whether affordable Florida car insurance is available to you. Young Florida drivers usually pay more for auto insurance. If a parent or legal guardian adds a young driver, it’s much cheaper.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Jan 25, 2022
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- Florida auto insurance rates are $113 per month on average
- USAA, Allied, and State Farm are the cheapest auto insurance companies in Florida
- Your driving record, age, and ZIP code are significant factors that determine monthly rates
Do you want to get the most affordable car insurance in Florida? Your personal factors have to line up with a low risk of filing claims if you’re going to buy cheap auto insurance in Florida.
But what are the factors that can get you the cheapest car insurance in Florida? Don’t worry – we’re here to help.
This article has everything you need to find cheap Florida auto insurance. Also, we’ll explore the best auto in Florida by comparing the best companies.
Read on to learn everything about cheap auto insurance in Florida. Enter your ZIP code in the free comparison tool above to compare multiple insurance companies right now.
Table of Contents
Where can I find cheap auto insurance companies in Florida?
Cheap car insurance is available across Florida. But if you don’t know where to look, your search can take a while. Fortunately, we’ve researched for you.
Here are the cheapest auto insurance companies in Florida and their average monthly rates.
| Rank | Company Name | Average Monthly Rates |
|---|---|---|
| 1 | USAA | $85 |
| 2 | Allied | $149 |
| 3 | State Farm | $153 |
| 4 | Travelers | $159 |
| 5 | Auto-Owners | $177 |
| 6 | 21st Century | $197 |
| 7 | Hanover | $207 |
| 8 | Esurance | $218 |
| 9 | Mercury | $236 |
| 10 | Progressive | $269 |
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Although USAA is the most affordable insurance company, USAA auto insurance is only available to military veterans and their immediate families.
Therefore, Allied, State Farm, and Travelers would be the car insurance companies to shoot for if you’re looking for the cheapest monthly costs.
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Can young drivers get cheap auto insurance rates in Florida?
Yes, they can. However, it’s not likely for teens and young adults to receive affordable car insurance rates in Florida on their own.
Young drivers typically have more expensive rates because their driving experience is connected to high rates of auto insurance claims.
But how much is car insurance for young drivers in Florida? Let’s see.
| Age | Monthly Rate with Parents | Monthly Rates Alone |
|---|---|---|
| 16 | $373 | $633 |
| 17 | $346 | $562 |
| 18 | $316 | $469 |
| 19 | $283 | $365 |
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Minors (16 and 17) can buy car insurance in Florida, but a parent may need to cosign. However, it’s cheaper for young drivers to go under a parent or legal guardian’s insurance policy.
As young drivers get older, the cost of auto insurance in Florida decreases.
Which city has the cheapest liability auto insurance in Florida?
Liability insurance is the minimum requirement you need to drive in Florida. But which Florida city has the cheapest liability-only car insurance rates?
Let’s look at Florida’s top four most affordable cities for liability-only auto insurance.
- Ponce de Leon, FL – $59/month
- Marianna, FL – $59/month
- Malone, FL – $59/month
- Greenwood, FL – $59/month
According to the National Association of Insurance Commissioners (NAIC), Florida’s average monthly liability auto insurance is $76 a month.
However, the cities listed above have liability car insurance rates that are $17 cheaper than average.
What are the minimum auto insurance requirements in Florida?
The specifics of minimum car insurance requirements include bodily injury (BI) liability, property damage (PD) liability, and personal injury protection (PIP).
But there are minimum limits to each. Here are those limits as of 2022:
- $10,000 for bodily injury of one person per accident
- $20,000 for bodily injury of multiple people per accident
- $10,000 for property damage per accident
- $10,000 for personal injury protection
High-risk drivers with a DUI conviction are required to get FR-44 certification. FR-44 requires a Florida driver to carry double the minimum coverage amount.
Which city has the cheapest full coverage auto insurance in Florida?
Our research found the most affordable car insurance rates in Florida by city. Review the map below to see which cities are the cheapest.
The cheapest cities in Florida are Newberry, Jonesville, and Tioga, FL. Your rates could be as low as $290 and $291 per month.
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How do driving violations affect cheap auto insurance quotes in Florida?
A clean driving record is the best method to get affordable car insurance quotes in Florida. But not all driving records are perfect.
Let’s examine Florida auto insurance rates based on driving infractions.
| Violations | Average Monthly Rates | Rate Increase (%) | Rate Increase ($) |
|---|---|---|---|
| Driving Without Lights | $192 | 0% | $0 |
| Failure to Use Child Safety Restraint | $194 | 1% | $2 |
| Failure to Wear a Seat Belt | $194 | 1% | $2 |
| Not-at-Fault Accident | $208 | 8% | $15 |
| Driving with Expired Registration | $213 | 11% | $21 |
| Failure to Show Documents | $213 | 11% | $21 |
| Following Too Closely | $240 | 25% | $48 |
| Distracted Driving | $240 | 25% | $48 |
| Speeding | $241 | 25% | $48 |
| Speeding in a School Zone | $241 | 25% | $48 |
| Driving Too Slowly | $241 | 25% | $48 |
| Driving with an Open Container | $242 | 26% | $50 |
| Passing a School Bus | $242 | 26% | $50 |
| Improper Passing | $242 | 26% | $50 |
| Failure to Stop at a Red Light | $242 | 26% | $50 |
| Illegal Turn | $242 | 26% | $50 |
| Driving Wrong Way/Wrong Lane | $242 | 26% | $50 |
| Failure to Yield | $242 | 26% | $50 |
| Operating a Vehicle Without Permission | $244 | 27% | $52 |
| Refused Breathalyzer/Chemical Test | $264 | 37% | $71 |
| At-Fault Accident | $265 | 38% | $72 |
| DUI | $283 | 47% | $90 |
| Racing | $291 | 51% | $98 |
| Hit and Run | $292 | 52% | $100 |
| Reckless Driving | $292 | 52% | $100 |
| Driving with a Suspended License | $292 | 52% | $100 |
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Florida car insurance quotes generate more expensive rates when you have a DUI conviction, reckless driving, or hit-and-run violation on your driving record.
Driving with a suspended license also carries expensive auto insurance rates. But your rates will vary when you shop with multiple insurance companies.
Which company has the best auto insurance in Florida?
The best car insurance in Florida isn’t measured by cost alone. Auto insurance companies are often judged by financial strength and customer satisfaction reviews.
Let’s look at the top car insurance companies in Florida based on review ratings from A.M. Best and J.D. Power.
| Auto Insurance Companies | Claims Satisfaction (J.D. Power) | Customer Satisfaction (J.D. Power) | Financial Strength (AM Best) |
|---|---|---|---|
| AAA | Below average | Average | Excellent |
| Allstate | Average | Average | Superior |
| Amica | Excellent | Excellent | Superior |
| GEICO | Average | Average | Superior |
| Kemper | Poor | N/A | Fair |
| Liberty Mutual | Average | Above average | Good |
| Progressive | Below average | Below average | Excellent |
| State Farm | Above average | Above average | Superior |
| Travelers | Average | Below average | Superior |
| USAA | Excellent | Excellent | Superior |
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Superior and excellent ratings are the best ratings for insurance companies.
USAA happens to have a near-perfect score. However, State Farm has the highest market share even though other companies have better ratings.
Cheap Auto Insurance in Florida: The Bottom Line
Cheap Florida car insurance is possible to get if you have a clean driving record. But shopping at the best companies can secure affordable auto insurance rates in Florida.
It’s harder to get cheap insurance rates if you have a traffic violation.
Also, younger drivers have rates that are three to five times higher than average, but they can save on car insurance by getting insurance under a parent or legal guardian.
Now that you know what it takes to get cheap auto insurance in Florida, use our free online quote tool below to compare multiple insurance companies near you.
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Frequently Asked Questions: Cheap Auto Insurance in Florida
Did you have more questions about Florida car insurance? Read these answers to frequently asked questions to learn more about Florida auto insurance.
#1 – Why is Florida auto insurance so expensive?
Florida car insurance is expensive because Florida has a high percentage of uninsured drivers.
#2 – What are the most expensive cities in Florida?
West Palm Beach, Hialeah, and Miami, FL are the most expensive cities for auto insurance in Florida.
#3 – Is Florida a no-fault state?
Yes, it is. A no-fault state means that you (the driver and policyholder) are responsible for covering your bodily injury payment regardless of fault.
