Cheap Car Insurance in Florida 2019

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Best Florida car insurance companies

Best auto insurance companies in Florida

To find the best car insurance companies in Florida, we examined complaint data for the 50 largest auto insurers in the state and found the best 15. Complaint ratios show the level of complaints relative to a company's size. Lower numbers are better.

Rank Company Complaint ratio Part of Website Market share % in Florida
1 Florida Farm Bureau General Insurance Co. 0 Southern Farm Bureau Casualty floridafarmbureau.com 0.75
2 Owners Insurance Co. 0.24 Auto-Owners Insurance auto-owners.com 0.31
3 Southern-Owners Insurance Co. 0.4 Auto-Owners Insurance auto-owners.com 1.26
4 Federal Insurance Co. 0.4 Chubb chubb.com 0.26
5 AIG Property Casualty Co. 0.4 AIG aig.com 0.26
6 Windhaven Insurance Co. 0.5 n/a windhaven.com 1.47
7 Progressive American Insurance Co. 0.52 Progressive progresssive.com 10.34
8 Travelers Home & Marine Insurance Co. 0.52 Travelers travelers.com 0.31
9 State Farm Mutual Automobile Insurance 0.57 State Farm statefarm.com 14.39
10 Standard Fire Insurance Co. 0.57 Travelers travelers.com 1.66
11 Auto Club Insurance Co. of Florida 0.6 Auto Club Insurance Association autoclubfl.com 0.61
12 Allstate Prop. & Cas. Insurance Co. 0.64 Allstate allstate.com 0.81
13 Safeco Insurance Co. of Illinois 0.65 Liberty Mutual safeco.com 1.63
14 Amica Mutual Insurance Co. 0.67 Amica amica.com 0.52
15 Allstate Fire & Cas. Insurance Co. 0.69 Allstate allstate.com 5.39
Source: National Association of Insurance Commissioners, based on nationwide complaints in 2018 for private passenger auto insurance.

Cheapest Florida car insurance companies

Average Florida auto insurance premiums by company

Company

(click to see company information)

Average annual premium in Florida

Farm Bureau

$1,544

The Hartford

$1,628

MetLife

$1,647

Travelers

$1,656

Auto-Owners

$1,670

State Farm

$1,717

Dairyland Insurance

$1,734

Citizens

$1,773

American Family Insurance

$1,777

21st Century Insurance

$1,790

Nationwide Insurance

$1,792

AAA Insurance/Auto Club

$1,798

Allstate

$1,804

Geico

$1,821

Safeco

$1,847

Amica

$1,857

Mercury Insurance

$1,872

Farmers Insurance

$1,873

USAA

$1,881

Windhaven

$1,898

Allied

$1,923

Liberty Mutual

$1,940

USAA

$1,953

Progressive Insurance

$1,962

American National

$1,996

Esurance

$2,005

National General

$2,026

Infinity Insurance

$2,054

The General

$2,149

Security National

$2,360

Florida average premiums

Insurance increases after a speeding ticket

Florida drivers who got a speeding ticket see an average premium increase of 24% at renewal time.

Clean driving record Speeding ticket % increase
Florida

$1,839/year

$2,284/year

24%

Nationwide average

26%

Insurance increases after an accident

Florida drivers who cause a car accident get an average premium increase of 31%.

State Clean driving record Chargeable accident, no injury % increase
Florida

$1,839/year

$2,400/year

31%

Nationwide average

36%

Insurance increases after a DUI

If you're convicted of a DUI, the average premium increase in Florida is 39%.

Clean record With DUI % increase
Florida

$1,839/year

$2,552/year

39%

Average premiums by Florida city

City Average annual premium
Altamonte Springs

$1,769

Apopka

$1,804

Arcadia

$1,648

Auburndale

$1,777

Bartow

$1,688

Boca Raton

$1,973

Bonita Springs

$1,530

Boynton Beach

$2,087

Bradenton

$1,715

Brandon

$1,922

Brooksville

$1,620

Cape Coral

$1,683

Casselberry

$1,816

Clearwater

$1,801

Clermont

$1,823

Cocoa

$1,582

Crestview

$1,722

Dade City

$1,947

Davenport

$1,929

Daytona Beach

$1,665

Deerfield Beach

$1,969

Deland

$1,605

Delray Beach

$1,969

Deltona

$1,754

Dunedin

$1,833

Dunnellon

$1,566

Edgewater

$1,436

Englewood

$1,499

Estero

$1,612

Eustis

$1,608

Fernandina Beach

$1,614

Fort Lauderdale

$2,014

Fort Myers

$1,820

Fort Pierce

$1,631

Fort Walton Beach

$1,682

Gainesville

$1,775

Gulf Breeze

$1,629

Haines City

$1,746

Hallandale

$1,793

Hialeah

$2,031

Holiday

$1,927

Hollywood

$2,018

Homestead

$2,036

Homosassa

$1,448

Hudson

$1,724

Inverness

$1,478

Jacksonville

$1,861

Jensen Beach

$1,544

Jupiter

$1,880

Key West

$1,734

Kissimmee

$1,864

Lady Lake

$1,468

Lake City

$1,623

Lake Mary

$1,811

Lake Wales

$1,806

Lake Worth

$2,051

Lakeland

$1,740

Land O' Lakes

$2,057

Largo

$1,713

Leesburg

$1,614

Lehigh Acres

$1,799

Longwood

$1,700

Lutz

$1,983

Melbourne

$1,584

Merritt Island

$1,607

Miami

$2,007

Miami Beach

$1,940

Middleburg

$1,726

Milton

$1,704

Mount Dora

$1,728

Naples

$1,688

Navarre

$1,376

New Port Richey

$1,843

New Smyrna Beach

$1,638

North Fort Myers

$1,551

North Miami Beach

$1,848

North Port

$1,659

Ocala

$1,633

Ocoee

$1,840

Okeechobee

$1,699

Opa Locka

$2,138

Orange Park

$1,879

Orlando

$1,957

Ormond Beach

$1,601

Oviedo

$1,933

Palm Bay

$1,748

Palm Coast

$1,722

Palm Harbor

$1,720

Palmetto

$1,900

Panama City

$1,584

Pensacola

$1,811

Pinellas Park

$1,901

Plant City

$1,808

Pompano Beach

$2,056

Port Charlotte

$1,711

Port Orange

$1,607

Port Richey

$1,965

Port Saint Lucie

$1,776

Punta Gorda

$1,559

Riverview

$1,963

Rockledge

$1,554

Ruskin

$1,917

Saint Augustine

$1,544

Saint Cloud

$1,760

Saint Petersburg

$1,850

Sanford

$1,786

Sarasota

$1,629

Sebastian

$1,615

Sebring

$1,599

Seffner

$1,893

Seminole

$1,696

Spring Hill

$1,843

Stuart

$1,762

Summerfield

$1,468

Sun City Center

$1,661

Tallahassee

$1,697

Tampa

$2,058

Tarpon Springs

$1,722

Titusville

$1,412

Valrico

$2,062

Venice

$1,534

Vero Beach

$1,532

West Palm Beach

$2,036

Winter Garden

$1,726

Winter Haven

$1,870

Winter Park

$1,791

Winter Springs

$1,700

Zephyrhills

$1,763

Florida minimum auto insurance

Penalties for not having car insurance in Florida

  • Failure to maintain mandatory coverage may result in the loss of registration and driving privileges. 

Source: Property Casualty Insurers Association of America

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Aug. 22, 2019

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