Best Florida Auto Insurance in 2026 (Top 10 Companies)
The best Florida auto insurance providers are from State Farm, Geico, and Progressive, offering competitive rates as low as $40 per month. All these companies help auto owners save, access robust customer support, manage claims efficiently, and find the best coverage options tailored to their needs.
Read more
Secured with SHA-256 Encryption
Find the Lowest Car Insurance Rates Today
Quote’s drivers have found rates as low as $42/month in the last few days!
Table of Contents
Table of Contents
Insurance and Finance Writer
Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...
Dorothea Hudson
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Jeffrey Manola
Updated May 2026
The best Florida auto insurance providers are State Farm, Geico, and Progressive, offering rates as low as $40 per month. State Farm has the most affordable premiums, Geico provides extensive discounts, and Progressive offers customizable policies.
To find the best auto insurance in Florida, research companies based on their coverage options and rates. On average, monthly rates for full coverage auto insurance in Florida are around $230.
Our Top 10 Company Picks: Best Florida Auto Insurance
Company Rank Multi-Policy Discount A.M. Best Best For
#1 15% B Customer Service
#2 12% A++ Competitive Rates
#3 10% A+ Comprehensive Coverage
#4 20% A+ Local Agents
#5 18% A++ Military Benefits
#6 17% A Customizable Policies
#7 14% A+ Comprehensive Coverage
#8 11% A Comprehensive Policy
#9 16% A++ Safe-Driving Discounts
#10 13% A Competitive Rates
You can find better rates by comparing quotes online from multiple Florida insurance providers. Get started on comparing minimum coverage auto insurance rates by entering your ZIP code above.
- Compare rates and support from State Farm, Geico, and Progressive
- Find tailored coverage and potential savings up to 20%
- State Farm offers the lowest rates and superior financial strength
Comparing Florida Auto Insurance Prices
Minimum vs. Full Coverage Costs in Florida
State Farm, Geico, Progressive, and Allstate sell Florida’s best and cheapest auto insurance.
Florida Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$82 $245
$102 $304
$40 $119
$72 $216
$55 $165
$46 $138
$69 $205
$44 $132
$75 $223
$21 $63
These companies offer policyholders ways to customize their coverage and different discounts that could help them save even more on auto insurance.
Read More: Auto Insurance Companies Pulling Out of Florida
Florida Car Insurance Premiums by Zip Code
Car insurance companies consider various factors that affect auto insurance rates, such as location. Other factors considered are age, gender, marital status, car make and model, driving history, and more.
- Florida Auto Insurance
- Cheap Gap Insurance in Florida (Top 9 Low-Cost Companies for 2026)
- Best Auto Insurance for Seniors in Florida (Top 10 Companies Ranked for 2026)
- Cheap Auto Insurance for High-Risk Drivers in Florida for 2026 (10 Most Affordable Companies)
- Best Pay-As-You-Go Auto Insurance in Florida for 2026 (Top 10 Companies Ranked)
- Auto Insurance Companies Pulling Out of Florida
- Cheapest Teen Driver Auto Insurance in Florida in 2026 (Top 10 Companies)
- Best Venice, Florida Auto Insurance in 2026 (Check Out the Top 10 Companies)
- Best Titusville, Florida Auto Insurance in 2026
- Best Auto Insurance for The Villages, Florida (Top 10 Companies in 2026)
- Best Tampa, Florida Auto Insurance in 2026 (Check Out the Top 10 Companies)
- Best St. Petersburg, Florida Auto Insurance in 2026
- Best Sebring, Florida Auto Insurance in 2026 (Find the Top 10 Companies Here)
- Best Sarasota, Florida Auto Insurance in 2026 (Find the Top 10 Companies Here)
- Best Ruskin, Florida Auto Insurance in 2026 (Your Guide to the Top 10 Companies)
- Best Plant City, Florida Auto Insurance in 2026
- Best Pierson, Florida Auto Insurance in 2026 (Top 10 Providers Ranked)
- Best Pensacola, Florida Auto Insurance in 2026 (Top 10 Companies Ranked)
- Best Palm Harbor, Florida Auto Insurance in 2026 (Compare the Top 10 Companies Here)
- Best Palm Coast, Florida Auto Insurance in 2026
- Best Orlando, Florida Auto Insurance in 2026 (Find the Top 10 Companies Here)
- Best Ocala, Florida Auto Insurance in 2026 (See the Top 10 Companies Here)
- Best Naples, Florida Auto Insurance in 2026 (Compare the Top 10 Companies)
- Best Marco Island, Florida Auto Insurance in 2026
- Best Largo, Florida Auto Insurance in 2026
- Best Lakeland, Florida Auto Insurance in 2026
- Best Immokalee, Florida Auto Insurance in 2026 (Top 10 Companies Ranked)
- Best Gainesville, Florida Auto Insurance in 2026
- Best Fort Myers, Florida Auto Insurance in 2026 (Find the Top 10 Companies Here)
- Best Estero, Florida Auto Insurance in 2026
- Best Englewood, Florida Auto Insurance in 2026 (Your Guide to the Top 10 Companies)
- Best Daytona Beach, Florida Auto Insurance in 2026
- Best Davie, Florida Auto Insurance in 2026
- Best Davenport, Florida Auto Insurance in 2026 (Find the Top 10 Companies Here)
- Best Crestview, Florida Auto Insurance in 2026 (Compare the Top 10 Companies)
- Best Coral Gables, Florida Auto Insurance in 2026 (Find the Top 10 Companies Here)
- Best Clearwater, Florida Auto Insurance in 2026
- Best Cape Coral, Florida Auto Insurance in 2026
- Best Callahan, Florida Auto Insurance in 2026
- Best Bushnell, Florida Auto Insurance in 2026
- Best Bradenton, Florida Auto Insurance in 2026 (Compare the Top 10 Companies)
- Best Auburndale, Florida Auto Insurance in 2026 (Find the Top 10 Companies Here)
- Best Arcadia, Florida Auto Insurance in 2026 (Find the Top 10 Companies Here)
- Best Hollywood, Florida Auto Insurance in 2026 (Compare the Top 10 Companies)
- Best Tallahassee, Florida Auto Insurance in 2026 (Top 10 Companies Ranked)
- Best Port St. Lucie, Florida Auto Insurance in 2026 (See the Top 10 Companies)
- Best Fort Lauderdale, Florida Auto Insurance in 2026 (Top 10 Companies Ranked)
- Best Jacksonville, Florida Auto Insurance in 2026 (Top 10 Companies Ranked)
- Auto Insurance Rates by State
Still, the cheapest Florida auto insurance policies are in Santa Rosa Beach, while the most expensive are in Westview.
Explore the rates of auto insurance in different cities across Florida.
Florida Auto Insurance Cost by City
Full coverage in Florida costs around $132 per month. However, the national average for a full coverage policy is $148 monthly, which is significantly lower. Use the map below to see how Florida’s average auto insurance rates compare with the rest of the U.S.
To find cheap car insurance in Florida, many drivers purchase a minimum coverage policy that only meets Florida’s requirements for insurance. As a result, minimum coverage auto insurance in Florida costs an average of $ 1,100. However, you can find more competitive rates by shopping online and comparing auto insurance quotes for Florida.
For example, Geico minimum car insurance in Florida costs around $60 monthly to a 35-year-old driver with a clean driving record.
Learn More: Best Pay-As-You-Go Auto Insurance in Florida
The cheapest car insurance company in Florida is State Farm, offering coverage for as little as $164 per month.
Auto Insurance Monthly Rates by State
| State |  |  |  |  |  |  |  |  | |  |
|---|---|---|---|---|---|---|---|---|---|---|
| Alabama | $51 | $50 | $63 | $42 | $77 | $46 | $53 | $51 | $37 | $27 |
| Alaska | $66 | $51 | $62 | $37 | $80 | $53 | $47 | $32 | $46 | $29 |
| Arkansas | $78 | $66 | $79 | $43 | $48 | $61 | $63 | $38 | $53 | $26 |
| Arizona | $94 | $60 | $70 | $34 | $93 | $61 | $44 | $42 | $55 | $33 |
| California | $102 | $71 | $85 | $51 | $110 | $73 | $68 | $55 | $63 | $38 |
| Colorado | $74 | $52 | $72 | $42 | $41 | $48 | $54 | $42 | $51 | $35 |
| Connecticut | $139 | $89 | $107 | $44 | $143 | $79 | $94 | $65 | $59 | $55 |
| Delaware | $127 | $80 | $97 | $62 | $304 | $88 | $55 | $71 | $51 | $26 |
| Florida | $82 | $84 | $102 | $40 | $72 | $46 | $69 | $44 | $75 | $21 |
| Georgia | $90 | $68 | $82 | $33 | $144 | $83 | $63 | $58 | $60 | $39 |
| Hawaii | $52 | $36 | $44 | $26 | $56 | $37 | $35 | $28 | $32 | $19 |
| Iowa | $37 | $28 | $24 | $24 | $34 | $22 | $22 | $19 | $27 | $16 |
| Idaho | $51 | $37 | $36 | $23 | $31 | $32 | $36 | $21 | $23 | $16 |
| Illinois | $109 | $70 | $73 | $29 | $47 | $57 | $55 | $40 | $54 | $38 |
| Indiana | $75 | $57 | $42 | $34 | $98 | $52 | $37 | $38 | $37 | $23 |
| Kansas | $62 | $44 | $56 | $29 | $68 | $36 | $50 | $32 | $34 | $22 |
| Kentucky | $104 | $72 | $87 | $35 | $74 | $81 | $49 | $43 | $62 | $32 |
| Louisiana | $64 | $54 | $66 | $44 | $85 | $56 | $50 | $39 | $48 | $30 |
| Massachusetts | $80 | $55 | $67 | $40 | $86 | $57 | $53 | $43 | $49 | $30 |
| Maryland | $196 | $113 | $137 | $132 | $177 | $104 | $118 | $104 | $100 | $78 |
| Maine | $61 | $48 | $67 | $21 | $68 | $49 | $54 | $81 | $35 | $21 |
| Michigan | $278 | $140 | $229 | $68 | $291 | $176 | $104 | $143 | $126 | $73 |
| Minnesota | $115 | $67 | $78 | $65 | $270 | $62 | $73 | $48 | $68 | $49 |
| Missouri | $80 | $57 | $73 | $48 | $70 | $36 | $53 | $46 | $61 | $27 |
| Mississippi | $74 | $61 | $74 | $36 | $60 | $49 | $61 | $42 | $45 | $27 |
| Montana | $60 | $49 | $64 | $32 | $23 | $35 | $67 | $27 | $43 | $19 |
| North Carolina | $109 | $52 | $63 | $44 | $53 | $71 | $20 | $49 | $64 | $28 |
| North Dakota | $54 | $57 | $42 | $24 | $158 | $30 | $44 | $30 | $35 | $17 |
| Nebraska | $47 | $42 | $49 | $35 | $68 | $29 | $36 | $26 | $39 | $21 |
| New Hampshire | $75 | $45 | $55 | $30 | $116 | $45 | $37 | $34 | $40 | $24 |
| New Jersey | $144 | $105 | $211 | $68 | $254 | $108 | $85 | $104 | $124 | $56 |
| New Mexico | $75 | $49 | $62 | $43 | $77 | $103 | $41 | $33 | $43 | $31 |
| Nevada | $88 | $75 | $82 | $58 | $59 | $60 | $44 | $55 | $48 | $37 |
| New York | $96 | $89 | $108 | $51 | $130 | $107 | $63 | $89 | $114 | $55 |
| Ohio | $64 | $33 | $52 | $32 | $57 | $61 | $45 | $37 | $34 | $22 |
| Oklahoma | $59 | $52 | $60 | $48 | $81 | $54 | $48 | $40 | $46 | $30 |
| Oregon | $112 | $78 | $81 | $68 | $103 | $81 | $57 | $55 | $71 | $42 |
| Pennsylvania | $79 | $58 | $70 | $36 | $117 | $46 | $79 | $41 | $40 | $30 |
| Rhode Island | $80 | $64 | $78 | $53 | $100 | $81 | $49 | $32 | $44 | $28 |
| South Carolina | $90 | $80 | $113 | $54 | $125 | $80 | $71 | $60 | $71 | $46 |
| South Dakota | $25 | $28 | $21 | $11 | $43 | $14 | $20 | $13 | $18 | $11 |
| Tennessee | $57 | $40 | $34 | $31 | $42 | $47 | $36 | $29 | $35 | $23 |
| Texas | $116 | $101 | $79 | $61 | $103 | $89 | $70 | $52 | $58 | $36 |
| Utah | $80 | $72 | $79 | $50 | $82 | $64 | $65 | $71 | $61 | $34 |
| Virginia | $71 | $57 | $68 | $47 | $89 | $59 | $42 | $43 | $50 | $30 |
| Vermont | $65 | $39 | $47 | $17 | $46 | $35 | $83 | $40 | $34 | $19 |
| Washington | $65 | $52 | $58 | $42 | $52 | $40 | $34 | $39 | $46 | $26 |
| Washington, D.C. | $151 | $72 | $87 | $43 | $112 | $108 | $72 | $69 | $64 | $30 |
| Wisconsin | $61 | $31 | $54 | $31 | $42 | $113 | $47 | $29 | $36 | $23 |
| West Virginia | $73 | $52 | $63 | $38 | $89 | $47 | $50 | $36 | $46 | $30 |
| Wyoming | $37 | $26 | $31 | $26 | $18 | $27 | $25 | $19 | $23 | $13 |
| U.S. Average | $86 | $61 | $74 | $42 | $95 | $62 | $55 | $47 | $52 | $31 |
To find the cheapest auto insurance companies in Florida, you should compare Florida car insurance quotes to see which company offers coverage at a price that works for you.
How Driving Record Impacts Florida Auto Insurance Rates
A person’s driving record can significantly impact their Florida auto insurance rates. You can see how much auto insurance costs in Florida for people with different driving records.
Florida Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| $324 | $309 | $266 | $245 |
 | $380 | $418 | $294 | $252 |
| $433 | $423 | $379 | $304 |
| $165 | $260 | $208 | $119 |
| $265 | $379 | $281 | $216 |
| $193 | $289 | $160 | $138 |
| $371 | $278 | $315 | $205 |
| $154 | $143 | $143 | $132 |
| $314 | $465 | $303 | $223 |
| $80 | $114 | $69 | $63 |
| U.S. Average | $244 | $295 | $203 | $165 |
If you receive a ticket for a traffic violation, you can expect your rates to increase, but if the infraction is severe, you may see a drastic increase in what you pay for coverage. Read more about how auto insurance companies check driving records.
How Auto Insurance Premiums Change With a DUI
If you have a DUI on your driving record, your Florida insurance rates could increase by 50% or more, and you will be required to carry higher than minimum liability coverage. To find the cheapest insurance in Florida for a DUI, compare rates from all the providers in your area.
Florida Full Coverage Auto Insurance Monthly Rates After a DUI
| Insurance Company | One DUI | Clean Record |
|---|---|---|
| $309 | $245 |
| $418 | $252 |
| $423 | $304 |
| $260 | $119 |
| $379 | $216 |
| $289 | $138 |
| $278 | $205 |
| $143 | $132 |
| $465 | $223 |
| $114 | $63 |
| U.S. Average | $295 | $165 |
Travelers offers the lowest rate for someone with a DUI on their record at $243 per monthly. However, on average, the United Automobile Insurance Group charges over $467 monthly. Read more about auto insurance for drivers with a DUI.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Florida Auto Insurance Discounts
Auto insurance discounts vary based on the company, but here are some of the most common discount options for car insurance in Florida:
If you believe you may qualify for a discount on coverage, speak with any company you’re considering to see how much you could save.
Auto Insurance Coverage Options in Florida
Florida is one of several U.S. states that has a no-fault auto insurance system. Under this system, anyone involved in a car accident must make injury claims under their PIP coverage.
When injury claims are paid out, all payments are capped at 80%, leaving drivers responsible for covering the remaining 20% of their medical costs. The at-fault individual’s bodily injury coverage pays for additional costs if injuries are serious enough.
If an individual has a severe injury resulting from an accident, that person can file a lawsuit against the other driver. The driver’s bodily injury insurance can cover legal fees and the injured person’s medical bills.
Personal Injury Protection
Florida generally requires drivers registering a vehicle to carry Personal Injury Protection (PIP), with minimum limits of $10,000. PIP helps cover injuries regardless of who caused the crash.
Florida’s personal injury protection (PIP) auto insurance can cover the following:
- Medical bills
- Lost wages
- Cost of in-home care
- Cost of medical equipment
- Funeral costs
PIP coverage will cover your injuries and passengers’ injuries, but won’t cover any damage to your vehicle. Therefore, you need collision auto insurance to help pay for the damage caused to your car in a crash. Additionally, you may want to purchase comprehensive auto insurance to pay for non-accident-related damage to your vehicle.
Property Damage Liability (PDL)
Property Damage Liability (PDL) helps pay for damage you cause to someone else’s property when you are at fault in an accident. This can include damage to another driver’s vehicle, but it can also apply to non-vehicle property such as a fence, mailbox, storefront, building, utility pole, garage door, or other structures.
Optional Coverages in Florida
- Bodily Injury Liability (BI)
- Collision Coverage
- Comprehensive Coverage
- Medical Payments Coverage (MedPay)
- Uninsured/Underinsured Motorist Coverage (UM/UIM)
Florida Add-Ons and Extras
- Custom Parts/Equipment Coverage
- Mechanical Breakdown Coverage
- Rental Reimbursement
- Rideshare Coverage
- Roadside Assistance
SR-22 Auto Insurance
Florida requires drivers to file an SR-22 form if they receive a DUI, are in multiple accidents, or are driving a registered car with a suspended license.
If you need an SR-22 form in Florida and you’re already insured, speak with a representative from your insurance company to see whether you can file your form. If the company refuses to help you, you’ll have to find nonstandard coverage with another provider, but you may be able to stay with your same company and simply pay more for coverage.
If you’re searching for cheap SR-22 auto insurance in Florida, you should find and compare quotes from multiple companies to ensure you don’t overpay for coverage. While your rates will increase, there’s no need for you to pay too much for high-risk auto insurance.
Florida Auto Insurance Minimum Coverage Requirements
In compliance with Florida auto insurance laws, drivers in Florida must carry the following minimum coverage to avoid the risk of having their license and registration suspended:
- $10,000 property damage liability per accident
- $10,000 personal injury protection (PIP)
- $10,000 in bodily injury liability per person
- $20,000 in bodily injury liability per accident
While these minimums are all you must carry if you live and drive in Florida, consider higher coverage levels for a more robust policy. Read more about Florida minimum auto insurance requirements.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
10 Best Auto Insurance Companies in Florida
#1 – State Farm: Top Overall Pick
Pros
- Top Overall Pick: State Farm is highly regarded for its overall service and competitive rates. Discover insights in our guide State Farm auto insurance review.
- Financial Strength: It boasts an A++ (Superior) financial strength rating from A.M. Best, indicating strong financial stability.
- Low Complaint Index: State Farm typically maintains a lower-than-average complaint index with the National Association of Insurance Commissioners (NAIC).
Cons
- Mixed Customer Service Reviews: While generally positive, some customers have reported mixed experiences with claims processing and customer service.
- Higher Premiums for Some: Despite competitive rates, premiums can be higher for certain demographics or locations in Florida.
#2 – Geico: Best for Competitive Rates
Pros
- Competitive Rates: Geico is known for offering competitive rates and a variety of discounts. See more details in our Geico auto insurance review.
- Discounts: Offers extensive discounts for federal employees, military members, veterans, and students with good grades.
- User-Friendly App: Highly-rated mobile app for convenient claims filing and policy management.
Cons
- Basic Policies: Some customers may find Geico’s policies more basic than those of other providers.
- Customer Service: While generally good, there have been occasional reports of issues during claims processing.
#3 – Progressive: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: Offers customizable policies and unique tools like Name Your Price.
- Usage-Based Discounts: As mentioned in our Progressive auto insurance review, the company offers the Snapshot program, which allows drivers to potentially lower their rates based on safe driving habits.
- Strong Online Presence: User-friendly website and tools for policy management and claims.
Cons
- Higher Premiums: Progressive’s full coverage rates are reportedly higher than some competitors’.
- Complexity in Options: With many coverage options, choosing the right policy can be complex for some customers.
#4 – Allstate: Best for Local Agents
Pros
- Customizable Policies: Allstate offers extensive options to customize policies to individual needs.
- Web Presence: As outlined in our Allstate auto insurance review, the company is known for excellent online presence and tools for easy claims filing and policy management.
- Discounts: Offers various discounts to help reduce policyholders’ premiums.
Cons
- Higher Premiums: Allstate premiums are generally higher than those of some other providers in Florida.
- Claims Experience: While efficient for many, there are occasional reports of delays or disputes in claims processing.
#5 – USAA: Best for Military Benefits
Pros
- Military Benefits: Specifically caters to military members and their families with tailored coverage and discounts.
- Excellent Service: Highly rated for customer service and member benefits. Check out our USAA auto insurance review to learn more details.
- Military Focus: Specializes in serving military members and their families.
Cons
- Eligibility Requirements: Limited to military members, veterans, and their families, so not accessible to the general public.
- Coverage Limitations: Coverage options may be more limited compared to larger insurers.
#6 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Offers flexibility in policy options to suit individual needs. Discover more about the policies offered on our Liberty Mutual auto insurance review.
- Digital Tools: Provides user-friendly digital tools and resources for policy management.
- Discounts Available: Provides various discount opportunities for qualifying policyholders.
Cons
- Average Premiums: Premiums can be higher compared to some competitors.
- Claims Handling: Mixed reviews regarding claims handling efficiency and customer satisfaction.
#7 – Nationwide: Best for Comprehensive Coverage
Pros
- Range of Services: Offers a variety of insurance products in addition to auto insurance.
- Nationwide Availability: Coverage is widely available across the United States.
- Reputation: Nationwide auto insurance review highlights the company’s strong customer service reputation and is well-rated for financial stability and claims-paying ability.
Cons
- Higher Premiums: Premiums may be higher than those of some regional insurers.
- Service Quality: Some customers report dissatisfaction with customer service.
#8 – Farmers: Best for Comprehensive Policy
Pros
- Comprehensive Policies: Offers comprehensive coverage options and customizable policies.
- Discount Opportunities: Offers various discounts to help lower premiums. (Read More: Farmers auto insurance discounts).
- Local Agents: Access to local agents for personalized service and support.
Cons
- Limited Availability: Availability may vary by location, with fewer local offices in some areas.
- Claims Handling: Mixed reviews on claims handling efficiency and satisfaction.
#9 – Travelers: Best for Safe-Driving Discounts
Pros
- Good Customer Service: Generally positive feedback on customer service and claims handling.
- Discount Programs: Offer various discounts to help reduce premiums.
- Financial Strength: Travelers auto insurance review boasts about the company’s strong A.M. Best rating and financial stability.
Cons
- Higher Premiums: Premiums tend to be higher than those of some competitors.
- Availability: Limited availability in some regions, with fewer local agents.
#10 – Mercury: Best for Competitive Rates
Pros
- Affordable Premiums: Offers competitive rates, especially for certain demographics such as safe drivers or specific age groups.
- Positive Customer Satisfaction: Generally receives high marks for customer service and claims handling, indicating strong customer loyalty.
- Discount Programs: Offer a variety of discounts that can significantly reduce premiums for eligible policyholders, including multi-policy and safe-driving discounts.
Cons
- Limited Availability: Coverage may not be available in all states, limiting options for potential customers outside of its service area.
- Coverage Options: As mentioned in our Mercury auto insurance review, the company offers fewer coverage options than larger insurers.
Understanding Florida Auto Insurance
Cheap Florida car insurance is possible if you have a clean driving record. However, shopping with the best Florida auto insurance companies, such as State Farm, Geico, and Progressive, can help secure affordable rates.
Getting cheap insurance rates is harder if you have a traffic violation. Also, younger drivers have rates 3 to 5 times higher than average, but they can save on car insurance by getting coverage from a parent or legal guardian.
Read More: 6 Reasons Auto Insurance Costs More for Young Drivers
Find the cheapest auto insurance in Florida by entering your ZIP code into our free comparison tool.
Frequently Asked Questions
Is Florida a no-fault state?
Florida is a no-fault state, so drivers in Florida must file claims with their own insurers regardless of who caused the car accident.
Who offers the cheapest car insurance in Florida?
State Farm and Geico offer cheapest auto insurance companies in Florida. But you may find that another company works better for you given your unique circumstances.
Will my credit impact my Florida car insurance rates?
Most insurance companies consider a person’s credit when developing insurance rates. So your credit score is likely to impact your car insurance costs. However, the degree to which your credit affects your rates will vary based on many factors.
What’s the best Florida auto insurance company if I have a DUI?
Travelers offers cheap auto insurance after a DUI on their record at $243 monthly. However, on average, the United Automobile Insurance Group charges over $467 a month.
Why is Florida auto insurance so expensive?
Since Florida minimum auto insurance requirements include personal injury protection, the state has higher auto insurance rates due to higher medical costs.
Do I need Florida auto insurance to register a car in the state?
Yes, Florida car insurance laws require you to carry Florida’s minimum auto insurance requirements before registering a car.
See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool below.
How does my credit score affect Florida auto insurance rates?
Florida auto insurance laws allow your credit score to impact your auto insurance rates. So, if you have poor credit, you’ll pay higher rates. However, you should get a Florida auto insurance quote to know what you’ll pay.
What discounts are commonly available with Florida auto insurance policies?
Common auto insurance discounts with Florida policies include safe driver discounts, multi-policy discounts, good student discounts, military discounts, and discounts for having certain safety features in your vehicle.
Can I use my out-of-state auto insurance in Florida?
Yes, you can use your out-of-state auto insurance in Florida, but you still must meet Florida’s minimum auto insurance requirements.
What factors should I consider when choosing the best car insurance in Florida?
When choosing the best car insurance in Florida, consider factors such as coverage options, customer service quality, the insurer’s financial stability, available discounts, and the overall cost of premiums.
If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool to compare your rates against the top insurers.
Related Articles
-
Aug 2025
Best Port St. Lucie, Florida Auto Insurance in 2026 (See the Top 10 Companies)
-
Mar 2025
Best Rome, Georgia Auto Insurance in 2026 (Your Guide to the Top 10 Companies)
-
Oct 2024
Best Tucson, Arizona Auto Insurance in 2026 (Your Guide to the Top 10 Companies)
-
Oct 2024
Cheap Auto Insurance for High-Risk Drivers in Arizona (Top 10 Low-Cost Companies in 2026)
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption
