Shopping for the best car insurance companies in Florida isn’t like anywhere else in the country. Hurricanes roll through every year, and the state’s no-fault insurance laws work differently than in almost any other state.
All of this means your choice of insurance company matters a lot in Florida. Some insurers handle Florida’s quirks better than others, so they can offer better deals. This guide breaks down the top companies based on how much you’ll pay, what coverage you can get, how customers rate them, and how good they are at paying claims when you need them.
Florida Car Insurance Basics You Should Know
Florida runs on a no-fault system. This means that you use your own insurance for small injuries, regardless of who caused the crash. Here’s the minimum car insurance in Florida:
- $10,000 in Personal Injury Protection (PIP)
- $10,000 in property damage liability
Unlike most states, Florida doesn’t make you buy bodily injury coverage unless you’ve been convicted of driving under the influence (DUI). This setup affects how top auto insurance companies in Florida price their policies, with drivers paying an average of $235 monthly compared to the national average of just $189. That’s because Florida has more hurricanes and more uninsured drivers than most states, so insurance companies must price all of that risk into your premium.
Top Car Insurance Companies in Florida Right Now
Dozens of companies sell car insurance in Florida, but only a handful consistently have good rates and reliable service. We looked at current pricing, coverage options, financial strength, and customer reviews to find the real standouts.
Cheapest Option for Minimum Coverage
Travelers wins for the cheapest car insurance in Florida at just $55 per month for minimum coverage. That gets you Florida’s basic requirements of PIP and property damage liability without any extras.
Best for Full Coverage Plans
Travelers also takes the crown for full coverage policies at just $113 monthly. This cheap car insurance includes liability, collision, and comprehensive coverage. However, note that Travelers got the third-lowest score on J.D. Power's 2025 Auto Insurance Shopping Study of 630 out of 1,000, indicating a low customer satisfaction level.
Best for Customer Satisfaction
Liberty Mutual scored a 689 out of 1,000 on the J.D. Power 2025 Auto Insurance Shopping Study, which makes it the best auto insurance company in Florida for those looking for a reliable policy that will pay out its claims quickly and easily. The claims process at Liberty Mutual is straightforward, and although their rates are slightly higher than those of competitors, this can be offset by their willingness to approve claims without much hassle.
How These Insurers Compare on Claims and Support
The company’s performance and customer practices matter more than the monthly premium when you need help. This is how the top Florida insurers compare when you need to file a claim:
- Travelers: It offers 24/7 support for fast claim processing and a mobile app that makes filing claims easy. As one of the oldest insurers in the country, Travelers has decades of experience handling all kinds of claims in Florida.
- Liberty Mutual: It scored 689 out of 1,000 in J.D. Power’s customer satisfaction study, indicating that customers are generally satisfied with how it handles its claims compared to other major insurers.
Special Considerations for Florida Drivers
Florida drivers face risks that don’t exist in other states, which should influence their insurance choices. The biggest things to keep in mind are:
- Hurricane season hits Florida every year. By no fault of your own, your car could suffer a total loss if it happens to be in the way of a hurricane.
- About 20% of Florida drivers are uninsured, and almost 40% are underinsured. Unfair as it might be, your premiums will be higher to account for uninsured motorist coverage.
- Florida has lots of older drivers, especially in retirement communities.
- The car insurance requirements in Florida are lower than in most states. These minimums won’t cover much in a serious accident, so it’s generally a good idea to go for a little more than the legal requirement.
How To Choose the Right Insurance Company for You
The best insurer for your neighbor might be terrible for you. Here’s what to consider when picking from the top Florida car insurance companies:
- Your driving record: Clean drivers get the best rates everywhere. Depending on your history, it might be best to look for companies that are more forgiving towards traffic violations.
- Your car’s value: Expensive cars need comprehensive coverage to prevent an extremely costly accident, whereas a cheaper, older car might only need liability.
- Your budget: Minimum coverage can save exposure in the short term, but not in the long term. Find a balance that works for your budget.
When and How To Switch Car Insurance Providers
Don’t stay with bad insurance just because switching seems complicated. Most people should shop around for new insurance every six to 12 months when their policy renews. Rates change all the time, and you never know how the algorithm will price your profile in the future.
Florida also doesn’t require you to wait for renewal to switch. You can cancel anytime and get a refund for any unused days. Get quotes from new companies before canceling your policy, and don’t cancel until you’ve secured a new one.
Compare the Best Car Insurance Companies in Florida Today
Florida car insurance rates vary considerably by ZIP code and driver profile. The company that’s cheapest for you might be much more expensive for your friends or relatives. To find the best choice for your situation, get a custom comparison for free in just a few minutes with EverQuote.