Fast, Free Auto Insurance Quotes

The Sunshine State has beautiful weather, but it is also home to some dangerous roads. As a result, car insurance premiums in this state can be expensive. EverQuote conducted an analysis to determine the cheapest car insurance carriers in Florida and found that rates depend greatly on where you live in the state. We analyzed this data provided by EverQuote users to give Florida drivers helpful information as they search for the cheapest options. We discovered that your location does influence the final premium rate and the cost can differ greatly depending on which auto insurance carrier you end up going with. Because of this, we advise all drivers to compare auto insurance rates in order to find the most affordable provider for their particular needs. Enter in your Florida ZIP code above or read about our findings below.

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Cheapest Auto Insurance in Florida

In our study, we reviewed the average monthly auto insurance payments reported by EverQuote users in Florida. We wanted to be certain that the data could be fairly compared, so we reviewed the driver profile of a single male looking to insure a single full-sized or mid-sized vehicle. This table shows the average monthly payments and yearly costs for the cheapest car insurance providers in Florida.

Rank Car Insurance Carrier Average Yearly Cost Average Monthly Payment
1 State Farm $1,476 $123
2 Allstate $1,536 $128
3 Liberty Mutual $1,548 $129
4 GEICO $1,632 $136
State Average $1,668 $139

Fast, Free Auto Insurance Quotes

Low-cost car insurance providers in Florida include State Farm, Allstate and Liberty Mutual. Drivers that compare rates could see savings up to $900 by going with a cheaper provider.

Cheapest Car Insurance in Florida by City}

During our analysis, we also looked at drivers’ reported rates in multiple cities. Using the same driver profile of a single male with a clean driving record insuring a full-size or mid-size vehicle, we found that the cost of auto insurance differs significantly city-to-city. For instance, Fort Walton Beach sees the lowest average monthly payment of $88 while Opa Locka drivers see a rate that is nearly $100 more per month.

Rank CA City Average Yearly Cost Average Monthly Payment
1 Fort Walton Beach $1,056 $88
2 Port Orange $1,200 $100
3 Vero Beach $1,212 $101
4 Titusville $1,224 $102
5 Melbourne $1,272 $106
6 Port Charlotte $1,308 $109
7 Sarasota $1,344 $112
8 Gainesville $1,368 $114
9 Casselberry $1,374 $115
10 Panama City $1,380 $115
11 Cocoa $1,380 $115
12 Deland $1,380 $115
13 Palm Coast $1,428 $119
14 Ocala $1,434 $120
15 North Port $1,440 $120
16 Davenport $1,440 $120
17 Port Saint Lucie $1,458 $122
18 Zephyrhills $1,458 $122
19 Palm Bay $1,464 $122
20 Largo $1,470 $123
21 Spring Hill $1,470 $123
22 Saint Cloud $1,476 $123
23 Winter Haven $1,494 $125
24 Clearwater $1,500 $125
25 Deltona $1,500 $125
26 Ocoee $1,500 $125
27 Seminole $1,512 $126
28 Saint Petersburg $1,536 $128
29 Naples $1,548 $129
30 Tallahassee $1,548 $129
31 Daytona Beach $1,560 $130
32 Hudson $1,560 $130
33 Clermont $1,560 $130
34 Pensacola $1,560 $130
35 Fort Myers $1,560 $130
36 Fort Pierce $1,560 $130
37 New Port Richey $1,572 $131
38 Bradenton $1,572 $131
39 Winter Park $1,578 $132
40 Cape Coral $1,596 $133
41 Sanford $1,608 $134
42 Pinellas Park $1,620 $135
43 Kissimmee $1,620 $135
44 Altamonte Springs $1,632 $136
45 Hallandale Beach $1,638 $137
46 Lakeland $1,656 $138
47 Orange Park $1,656 $138
48 Apopka $1,656 $138
49 Jacksonville $1,656 $138
50 Saint Augustine $1,668 $139
State Average $1,668 $139
51 Miami Beach $1,680 $140
52 Margate $1,686 $141
53 Winter Garden $1,716 $143
54 Longwood $1,716 $143
55 Orlando $1,740 $145
56 Riverview $1,752 $146
57 Coral Springs $1,752 $146
58 Davie $1,776 $148
59 Port Richey $1,776 $148
60 Valrico $1,776 $148
61 Miami $1,788 $149
62 North Miami Beach $1,800 $150
63 Hialeah $1,800 $150
64 Pompano Beach $1,800 $150
65 Pembroke Pines $1,800 $150
66 Riviera Beach $1,800 $150
67 Homestead $1,800 $150
68 Boynton Beach $1,800 $150
69 Miami Gardens $1,812 $151
70 Oakland Park $1,818 $152
71 Hollywood $1,824 $152
72 Lehigh Acres $1,830 $153
73 Lake Worth $1,836 $153
74 Holiday $1,848 $154
75 Fort Lauderdale $1,848 $154
76 Plantation $1,854 $155
77 Tampa $1,857 $155
78 Tamarac $1,860 $155
79 Lutz $1,860 $155
80 Plant City $1,866 $156
81 Brandon $1,872 $156
82 West Palm Beach $1,908 $159
83 Deerfield Beach $1,908 $159
84 Miramar $1,920 $160
85 Boca Raton $1,920 $160
86 Sunrise $1,944 $162
87 Delray Beach $1,968 $164
88 Lauderdale Lakes $1,980 $165
89 North Lauderdale $1,998 $167
90 North Miami $2,040 $170
91 Lauderhill $2,160 $180
92 Temple Terrace $2,184 $182
93 Coconut Creek $2,196 $183
94 Opa Locka $2,232 $186

Methodology For This Study

For this analysis, EverQuote reviewed self-reported monthly premiums from over two million users looking to lower the cost of their car insurance rates. We also looked at those users’ current auto insurance company and ZIP code to determine the analysis seen here. It’s important to realize that EverQuote users differ from one another in certain ways. We worked to ensure that our numbers were comparable by analyzing data from users who are similar to one another.