Cheap Car Insurance in Florida

Fast, Free Auto Insurance Quotes

Finding cheap car insurance in Florida

One of the keys to cheap car insurance in Florida is to compare prices. We've compiled average premiums by company and city so you can see how rates compare. 

It's possible to save hundreds of dollars a year by comparison shopping. Here are premiums reported by EverQuote users in Florida for large insurance companies. The prices below reflect rates for one driver with a clean record insuring one vehicle.

Company Average monthly premium
Farm Bureau $110
The Hartford $122
Travelers $123
Dairyland Insurance $124.50
Auto-Owners $126
State Farm $130
MetLife $134
Farmers $137
Allstate $137
Geico $141
Amica $142
AAA Insurance $149
USAA $150
Allied $150
21st Century $150
Liberty Mutual $151
Safeco $151.50
Windhaven $153
Mercury $155
Esurance $157
Nationwide $157
United Services Automobile Association $157.50
Progressive $160
National General  $170
Infinity $175
The General $183
Source: EverQuote. See full methodology below.


Keep in mind that the cheapest car insurance company in Florida for you when you have a good driving record might not be the cheapest if you have tickets, accidents or claims. The cheapest company could also change if you move, add a teen driver or change coverage.

Recent auto insurance rate changes approved by Florida

Even if you have a good driving record, you could get a car insurance rate increase at renewal time.

Auto insurance companies must file proposed rate increases and decreases with the state. Below are rate changes recently approved by the Florida department of insurance. These rate changes may not affect all customers in the state. You'll get a notice at renewal time if you are affected. The effective dates below indicate when the change will start rolling out.

Company Effective date Rate change % 

(   ) = decrease

ACE INSURANCE COMPANY OF THE MIDWEST 8/20/18 5.900
ALLIED PROPERTY & CASUALTY INSURANCE COMPANY 8/15/18 (0.100)
NATIONWIDE INSURANCE COMPANY OF AMERICA 7/15/18 3.900
STATE FARM FIRE AND CASUALTY COMPANY

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

7/1/18 0.100
SAFECO INSURANCE COMPANY OF ILLINOIS 6/17/18 17.900
MGA INSURANCE COMPANY INC. 5/19/18 1.800
ALLSTATE INDEMNITY COMPANY 5/5/18 6.000
GEICO INDEMNITY COMPANY 5/3/18 (2.200)
SAFECO INSURANCE COMPANY OF ILLINOIS 4/21/18 9.500
STILLWATER INSURANCE COMPANY 4/17/18 15.100
TWIN CITY FIRE INSURANCE COMPANY 4/5/18 3.900
OCEAN HARBOR CASUALTY INSURANCE COMPANY 4/1/18 (2.000)
Source: S&P Global Market Intelligence

Florida car insurance rates after accidents & speeding tickets

Accidents, claims and tickets for moving violations can all lead to a rate increase at renewal time. We looked at premiums reported by EverQuote users in Florida who had an accident or speeding ticket on their records compared to those who didn't. 

On driving record Average monthly premium difference vs. clean record in Florida
Speeding ticket 29%
Accident 34%
Source: EverQuote. See full methodology below.


Remember that just because you have a poor driving record doesn't mean you can't possibly get a better price by shopping around.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much California drivers are speeding and using their phones while driving.


Florida car insurance rates by city

We analyzed Florida car insurance rates reported by EverQuote users in various cities. Drivers in Deland reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Deland $105.50
Titusville $106.50
Venice $111
Leesburg $112
Melbourne $113
Ocala $117
Port Charlotte $118
Port Orange $118
Ormond Beach $119
Saint Augustine $120
Deltona $120
Palm Coast $121.50
Sarasota $123
Winter Park $123
Vero Beach $124
Naples $125
North Port $125
Panama City $125
Daytona Beach $126
Cape Coral $126
Palm Bay $126
Cocoa $127
Tallahassee $128.50
Fort Pierce $129
Zephyrhills $130
Lakeland $130
Fort Myers $130
Gainesville $130
Largo $130.84
Port Saint Lucie $131
Bradenton $131
Clermont $134
Winter Haven $135
Palm Harbor $135.50
Stuart $136
Jupiter $137
Clearwater $137
Saint Cloud $138
Altamonte Springs $138
Kissimmee $138
Pensacola $139
Spring Hill $140.50
Lehigh Acres $141
Sanford $142
Saint Petersburg $144
Jacksonville $145
Davenport $145
Apopka $147
Port Richey $148.50
Orange Park $149
Hudson $149
New Port Richey $149
Orlando $151
Pembroke Pines $151
Boca Raton $154
Sunrise $154
Miami Beach $155
Brandon $155
Davie $156.50
Tamarac $157
Pinellas Park $159
Hollywood $159
Hialeah $159
Miami $160
Delray Beach $160
Deerfield Beach $161
Lake Worth $163
Homestead $163
West Palm Beach $163
Riverview $163
Plantation $163
Fort Lauderdale $164
Tampa $164
North Miami $169
Pompano Beach $169.50
Coral Springs $173.50
Boynton Beach $175
Lauderhill $180
Miramar $186
Opa Locka $194
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Florida

  • Ask your agent to review all available car insurance discounts.
  • Buy your auto and home or renters insurance from the same company for a bundling discount.
  • Increase the deductibles on your comprehensive and collision coverage, if you buy them.
  • Improve your credit. Insurers often use a credit-based insurance score when setting rates, and drivers with poor credit usually have a hard time getting cheap car insurance.

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 25, 2018

Fast, Free Auto Insurance Quotes