Best Florida Auto Insurance in 2024 (Your Guide to the Top 10 Companies)

The best Florida auto insurance providers are State Farm, Geico, and Progressive offering rates as low as $33 per month. State Farm has the most affordable premiums, Geico provides extensive discounts, and Progressive offers customizable policies. Compare rates and coverage options to find the best policy for your needs.

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

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.

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#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 titled 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 to be more basic compared to other providers.
• Customer Service: While generally good, there are occasional reports of customer service 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, allowing drivers to potentially lower rates based on safe driving habits.
• Strong Online Presence: User-friendly website and tools for policy management and claims.

Cons

• Higher Premiums: Progressive’s rates for full coverage are noted to be higher compared to some competitors.
• Complexity in Options: With many coverage options comes potential complexity in choosing the right policy for some customers.

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#4 – Allstate: Best for Local Agents

Pros

• Customizable Policies: Allstate offers extensive options for customizing policies to fit 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 that can help reduce premiums for policyholders.

Cons

• Higher Premiums: Premiums with Allstate are generally higher compared to 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 in our page titled 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.

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#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 good reputation for customer service and well-rated for financial stability and claims-paying ability.

Cons

• Higher Premiums: Premiums can be higher compared to 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: Provides various discounts that can 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: Provides various discounts that can 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 compared to some competitors.
• Availability: Limited availability in some regions, with fewer local agents.

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#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: Provides a variety of discount opportunities 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 has fewer coverage options compared to larger insurers.

Best Auto Insurance Companies in Florida

State Farm, Geico, Progressive, and Allstate sell Florida’s best and cheapest auto insurance, as you can see in the table below.

Florida Auto Insurance Monthly Rates by Provider & Coverage Level

All four 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

State Farm Auto Insurance in Florida

State Farm auto insurance has the lowest average full coverage rates and could be an excellent choice if you want cheap auto insurance in Florida. State Farm has an A++ (Superior) financial strength rating with A.M. Best and a lower-than-average complaint index score with the National Association of Insurance Commissioners.

State Farm has several complaints as an insurance company overall. So, it’s a good idea to research State Farm car insurance in Florida before buying a policy.

Geico Auto Insurance in Florida

While it doesn’t offer the cheapest Florida car insurance, Geico auto insurance offers competitive rates and many discounts on coverage. In addition, Geico offers exceptionally cheap insurance in Florida to federal employees, military members, veterans, and students with good grades.

Geico has a highly-rated mobile app that makes filing claims and reviewing policy information user-friendly and hassle-free. But the company’s policies are basic.

Progressive Auto Insurance in Florida

Progressive auto insurance has the highest rates for full coverage, but the company offers many benefits that may outweigh the cost.

Progressive utilizes the Name Your Price tool to allow people to choose the proper coverage for their vehicle based on their budget. The company also uses its usage-based program, Snapshot, to monitor drivers’ habits on the road to potentially offer them lower rates for driving safely. Read our Progressive Snapshot review to learn more.

Allstate Auto Insurance in Florida

Allstate auto insurance offers many options for coverage, allowing policyholders to customize their policies. Allstate drivers in Florida can save money with several discounts, and the company has an exceptional web presence that makes filing claims easy.

Unfortunately, Allstate premiums are the second-highest, so people may not want to choose Allstate if they’re on a tight budget.

Florida Auto Insurance Cost

Full coverage in Florida costs around $230 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 just over $1,000 on average. 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

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Florida Auto Insurance Rates by City

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.

Still, the cheapest Florida auto insurance policies are in Santa Rosa Beach, and the most expensive Florida rates are in Westview.

Cost of Auto Insurance in Your City: Explore Rates Across Florida Cities

Explore the rates of auto insurance in different cities across Florida.

Florida Auto Insurance Cost by City: Click to Learn More

Start comparing rates now to find the best insurance options for you.

Cheapest Florida Auto Insurance

The cheapest car insurance company in Florida is State Farm, offering coverage for as little as $164 per month.

Full Coverage Auto Insurance Monthly Rates by State & Provider

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.

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 having higher levels of coverage for a more robust policy. Read more about Florida minimum auto insurance requirements.

More About Florida’s Personal Injury Protection

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.

Florida no Fault Auto Insurance

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 get paid out, all payments are capped at 80%, meaning drivers are responsible for covering the additional 20% of their medical costs. The at-fault individual’s bodily injury coverage pays for additional costs if injuries are serious enough.

Serious injuries often include the following:

• Significant disfigurement
• Bone fractures
• Permanent limitation of a body organ or body part
• A significant limitation of a body function or system
• Substantially full disability for 90 days

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.

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How Driving Record Impacts Florida Auto Insurance Rates

A person’s driving record can significantly impact their Florida auto insurance rates, often significantly. Below, 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 & Provider

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.

Florida SR-22 Auto Insurance Coverage

Florida requires drivers to file an SR-22 form if they receive a DUI, are in multiple accidents, or are driving a register car with 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.

Best Florida Auto Insurance for 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.

The following companies offer coverage for people with a DUI in Florida:

Florida Full Coverage Auto Insurance Monthly Rates & Provider: One DUI vs. Clean Record

Travelers offers the cheapest rates for someone with a DUI on their record at $243 monthly. However, on average, the United Automobile Insurance Group charges over $467 monthly. Read more about auto insurance for drivers with a DUI.

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Florida Auto Insurance Discounts

Auto insurance discounts on coverage vary based on the company, but here are some of the most common discount options for car insurance in Florida:

• Young driver (Read More: Cheapest Teen Driver Auto Insurance in Florida)
• Safe driver
• Multi-car
• Multi-policy
• Loyalty

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.

Understanding More About Florida Auto Insurance

Cheap Florida car insurance is possible if you have a clean driving record. However, shopping at the best Florida auto insurance companies, such as State Farm, Geico, and Progressive, can secure affordable rates in Florida.

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Getting cheap insurance rates is harder if you have a traffic violation. Also, younger drivers have three to five times higher rates than average, but they can save on car insurance by getting insurance 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 below into our free comparison tool.

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