Cheap Car Insurance in Florida
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Florida drivers pay more for car insurance than drivers in many states. Regular hurricanes, tornadoes, thunderstorms, and floods drive up the cost of claims, forcing insurers to raise premiums to manage their risk. Add Florida’s no-fault insurance laws and high rate of traffic incidents, and it’s no surprise Floridians pay some of the highest car insurance premiums in the country.
To help you find the cheapest car insurance in Florida, EverQuote analyzed rates for dozens of insurers. We reviewed rates for drivers with different histories, coverage types, and ages, and broke down practical strategies to help you find providers with affordable car insurance in Florida.
Florida’s Average Car Insurance Costs at a Glance
In Florida, you must have a minimum amount of car insurance to drive a vehicle legally. The average cost of minimum car insurance in Florida is $1,572 per year, compared to the national average of $550 per year. Full coverage averages $235 per month compared to the national average of $138.
Cheapest Car Insurance Companies in Florida
What you pay for car insurance in Florida depends heavily on the type of coverage on your policy. You have two main options: minimum and full liability coverage.
We'll break down cheap auto insurance in Florida for each type based on statewide averages. The exact amount you’ll pay varies based on age, vehicle type, ZIP code, and home ownership.
Best for Minimum Coverage
Minimum coverage pays only for property damage, liability, and personal injury, as Florida’s no-fault insurance law mandates. This table shows the average cost of cheap insurance in Florida for minimum coverage, based on current industry data.
| Insurer | Avg Monthly | Avg Annually |
|---|---|---|
| USAA (Military families only) | $16 | $192 |
| GEICO | $39 | $468 |
| Travelers | $55 | $660 |
| State Farm | $58 | $696 |
| Nationwide Insurance | $66 | $792 |
| Mercury Insurance | $67 | $804 |
Best for Full Coverage
Full coverage includes the minimum coverage plus comprehensive and collision insurance. These coverages pay you if your car is damaged in an accident you caused or stolen, among other scenarios. Based on recent industry data, the rates shown here highlight low-cost car insurance in Florida for drivers seeking full coverage.
| Insurer | Avg Monthly | Avg Annual |
|---|---|---|
| Travelers | $113 | $1,356 |
| Nationwide | $157 | $1,884 |
| State Farm | $163 | $1,956 |
| GEICO | $167 | $2,004 |
| Progressive Insurance | $191 | $2,292 |
| Allstate | $333 | $3,996 |
Discounts That Help Lower Your Premium
One of the best ways to keep Florida’s high car insurance rates down is to take advantage of discounts. These Florida car insurance companies offer several discounts you can take advantage of to lower your premiums.
| Insurance Provider | Available Discounts |
|---|---|
| Auto-Owners | ✅Over 10 discounts to lower your premiums |
| Dairyland Insurance | ✅Discounts for homeowners and experienced drivers |
| AAA Insurance | ✅Member-exclusive savings opportunities such as multi-vehicle and loyalty discounts |
| Safeco | ✅A discount if you’re a low-mileage driver with a safe driving record |
| Amica | ✅A loyalty discount for long-term customers and savings for bundling policies |
| Farmers Insurance | ✅Discounts for multi-vehicle and safe driving |
| Esurance | ✅Online purchase discounts and DriveSense, a telematics program rewarding safe driving with significant savings |
| Infinity Insurance | ✅Discounts for good drivers and full premium payments |
| The General | ✅Savings for low-mileage drivers and those who pay in full |
| Liberty Mutual | ✅RightTrack, a telematics program for safe drivers, and discounts for bundling auto with home insurance |
| The Hartford | ✅Exclusive AARP member discounts and savings for hybrid or electric vehicle owners |
| MetLife | ✅Discounts for safe drivers and group affiliations, providing flexible savings for diverse driver profiles |
| American Family Insurance | ✅Discounts for young drivers in telematics programs and multi-policy bundling, ideal for Florida families |
Tips for Finding and Keeping Cheap Coverage
Regardless of your driving history, age, ZIP code, or vehicle type, you can take some steps to get cheap auto insurance in Florida.
Compare Quotes from Multiple Providers
Prices vary from one insurer to another. Shop around and compare quotes to find the cheapest car insurance in Florida for your specific situation.
Take Advantage of Special Eligibility
Different insurers offer different car insurance discounts based on factors like:
- Military service
- Student status
- Bundling with home insurance
- Being claim-free
- Having anti-theft features
When looking for cheap insurance in Florida, discounts can help you save money. As you compare quotes, check that they are for the same level of coverage and check if you qualify for all possible discounts.
Maintain a Clean Driving Record
Nearly all insurers reward safe driving. Avoiding accidents and violations can lower your rate over time.
Adjust Your Coverage
If you have an older vehicle, you can eliminate extra coverage like collision, as your premium might be more than what you’ll get back if it were totaled.
How Florida’s Insurance Laws Impact What You Pay
As a no-fault state, Florida requires you to carry Personal Injury Protection (PIP) to cover your medical bills after an accident, regardless of who’s at fault. You must also have Property Damage Liability (PDL) to pay for the damage you cause to someone else’s vehicle or property during an accident.
These mandatory coverages drive up the cost of even basic insurance policies. And while uninsured motorist and collision coverage aren’t compulsory, you can add them to your basic insurance policy for better protection, as Florida has one of the country's highest rates of uninsured drivers.
Compare the Best Car Insurance Rates in Florida Today
You can acquire different types of auto coverage in Florida at various price points. Minimum coverage is the cheapest car insurance in Florida, but it only meets the state's basic legal requirements and offers limited protection.
To find the best value, compare custom quotes based on your driving history, vehicle, ZIP code, and coverage needs. Prices vary from one provider to another, and what’s affordable may differ from driver to driver. Start your free custom comparison today to see which insurer offers you the best deal.
FAQs
How much is car insurance in Florida per month, on average?
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What is the ideal car insurance coverage in Florida?
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Is Progressive or GEICO cheaper in Florida?
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.