Cheapest Car Insurance In Florida (2024)
The cheapest car insurance in Florida comes from GEICO at $55 per month on average.
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Due to increasing car insurance expenses, it’s wise for drivers in Florida to compare different policy choices in order to find the most reasonably priced coverage. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, satisfaction of customers, coverage options, and average premiums of each provider.
In this review, we will describe the most effective methods to spend less on insurance and identify the most affordable car insurance options in Florida that suit your driving profile.
Key Points
- GEICO is the cheapest car insurance company in Florida overall, with an average rate of $55 per month for minimum coverage and $186 per month for full coverage.
- Travelers and State Farm also offer affordable car insurance rates for many driver profiles.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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Cheapest Car Insurance Rates in Florida
Different car insurance companies have their own criteria for evaluating driver profiles. Therefore, the provider that offers the lowest rates for one driver may not be the most affordable option for you. For instance, let’s review the following information on the cheapest auto insurance providers and their rates for various driver profiles in Florida.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | GEICO | $55 | $661 |
| Full coverage | GEICO | $186 | $2,230 |
| 16-year-olds | GEICO | $152 | $1,824 |
| 45-year-olds | GEICO | $47 | $565 |
| High-risk drivers | GEICO | $90 | $1,079 |
| After a speeding ticket | GEICO | $91 | $1,088 |
| After an accident | GEICO | $75 | $900 |
| After a DUI | State Farm | $93 | $1,119 |
| Poor credit drivers | GEICO | $55 | $661 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Florida?
In general, we discovered that GEICO has the most affordable car insurance in Florida for various types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Florida.
These rates apply to drivers in Florida who are of various ages, living in different areas, and have different driving experiences. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Florida: GEICO
Drivers looking for the most affordable coverage that just meets Florida state minimum requirements may find it at GEICO for about $55 per month or $661 per year on average.
| Cheapest Car Insurance in Florida | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| GEICO | $55 | $661 |
| Travelers | $83 | $992 |
| State Farm | $85 | $1,022 |
| National General | $128 | $1,533 |
| AIG | $134 | $1,604 |
| Progressive | $134 | $1,612 |
| Mercury | $139 | $1,664 |
| Allstate | $153 | $1,837 |
| Farmers | $154 | $1,849 |
| United Automobile | $171 | $2,057 |
Cheapest Full Coverage In Florida: GEICO
GEICO is the best choice if you want the most comprehensive coverage at the best price. The provider offers full-coverage insurance for an average of $186 per month.
Full-coverage insurance policies in Florida generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Florida | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| GEICO | $186 | $2,230 |
| Travelers | $186 | $2,230 |
| State Farm | $226 | $2,716 |
| United Automobile | $246 | $2,948 |
| Progressive | $267 | $3,200 |
| Mercury | $325 | $3,897 |
| Allstate | $370 | $4,441 |
| National General | $407 | $4,878 |
| Farmers | $417 | $5,004 |
| AIG | $446 | $5,346 |
Cheapest Car Insurance In Florida: Age
Below, you’ll find average insurance costs for Florida drivers ages 16 to 55 as well as the top five cheapest car insurance companies for each age group. Drivers aged 30 to 55 often receive the most affordable auto insurance rates because they have greater road experience. In addition, they have a lower likelihood of being involved in car accidents compared to younger drivers, as indicated by statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $480 | $1,187 |
| 25 | $131 | $328 |
| 35 | $116 | $286 |
| 45 | $114 | $278 |
| 55 | $106 | $260 |
Cheapest Florida Car Insurance: Young Drivers
As mentioned, drivers in their teens and early 20s typically pay the most expensive car insurance rates. That’s mainly because these drivers have less practice driving and are more likely to not follow traffic rules and get into car crashes.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Florida Car Insurance For 16-Year-Olds: GEICO
If you’re a teen driver or the parent of one, GEICO may be your best bet for finding the most affordable car insurance in Florida.
The company’s cheapest average rates for 16-year-old drivers are $152 per month or $1,824 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $506 per month or $6,078 per year from GEICO.
| Cheapest Car Insurance in Florida | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $152 | $506 |
| National General | $250 | $767 |
| State Farm | $293 | $767 |
| Travelers | $304 | $730 |
| AIG | $455 | $1,424 |
| Allstate | $578 | $1,276 |
| United Automobile | $586 | $739 |
| Farmers | $709 | $1,986 |
| Progressive | $725 | $1,673 |
| Mercury | $753 | $1,999 |
Cheapest Florida Car Insurance For 25-Year-Olds: GEICO
Car insurance rates for young drivers in their 20s are much lower than what teen drivers pay. However, the cost can still be high for this age group depending on the insurance company you pick.
GEICO provides the cheapest car insurance costs on average at $63 per month or $750 per year for minimum coverage. Travelers costs $190 per month or $2,281 per year for full coverage.
| Cheapest Car Insurance in Florida | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $63 | $209 |
| Travelers | $82 | $190 |
| State Farm | $90 | $244 |
| National General | $135 | $437 |
| Progressive | $140 | $278 |
| Mercury | $150 | $343 |
| AIG | $151 | $491 |
| Allstate | $153 | $385 |
| Farmers | $165 | $449 |
| United Automobile | $178 | $257 |
Cheapest Florida Car Insurance: Adult Drivers
Auto insurance rates are generally lowest for people in their 40s who drive. You can compare average auto insurance premiums of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Florida Car Insurance For 35-Year-Olds: GEICO
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from GEICO. The company offers average minimum-coverage costs of $48 per month or $572 per year. For full coverage, GEICO’s rates average $163 monthly or $1,951 annually.
| Cheapest Car Insurance in Florida | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $48 | $163 |
| State Farm | $80 | $208 |
| Travelers | $83 | $182 |
| AIG | $117 | $400 |
| National General | $120 | $376 |
| Mercury | $127 | $306 |
| Progressive | $129 | $256 |
| Farmers | $143 | $385 |
| Allstate | $153 | $355 |
| United Automobile | $164 | $235 |
Cheapest Florida Car Insurance For 45-Year-Olds: GEICO
Forty-five-year-old drivers may find the most affordable minimum coverage from GEICO, with average rates of $47 per month or $565 per year. The cheapest full coverage comes from GEICO at $166 per month or $1,995 per year.
| Cheapest Car Insurance in Florida | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $47 | $166 |
| Travelers | $78 | $167 |
| State Farm | $78 | $203 |
| National General | $110 | $341 |
| Mercury | $117 | $287 |
| AIG | $124 | $411 |
| Progressive | $125 | $248 |
| Farmers | $146 | $381 |
| Allstate | $152 | $354 |
| United Automobile | $159 | $225 |
Cheapest Florida Car Insurance For 55-Year-Olds: GEICO
GEICO generally offers the most affordable car insurance rates for drivers in their 50s in Florida. The insurer’s average premiums are $45 monthly or $538 annually for minimum coverage. The cheapest full coverage option is from Travelers, costing $167 monthly or $2,000 annually
| Cheapest Car Insurance in Florida | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $45 | $157 |
| Travelers | $68 | $150 |
| State Farm | $75 | $194 |
| Mercury | $101 | $261 |
| National General | $108 | $335 |
| AIG | $115 | $380 |
| Progressive | $121 | $233 |
| Farmers | $135 | $347 |
| Allstate | $147 | $338 |
| United Automobile | $148 | $211 |
Cheapest Car Insurance In Florida: High-Risk Drivers
Besides the type of coverage and how old you are, how well you drive is a big factor in determining how much you’ll have to pay for car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including speeding citations, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered high-risk are charged car insurance rates that are higher than the average rates. This is because they have multiple violations on their driving records. On average, Florida motorists who are deemed high-risk may find the most affordable rates from GEICO for minimum coverage or Travelers for full coverage.
| Cheapest Car Insurance in Florida | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $90 | $294 |
| State Farm | $96 | $250 |
| Travelers | $113 | $245 |
| National General | $152 | $477 |
| Progressive | $167 | $345 |
| AIG | $176 | $574 |
| Farmers | $191 | $515 |
| Allstate | $206 | $499 |
| Mercury | $210 | $457 |
| United Automobile | $267 | $354 |
Cheapest Florida Car Insurance For Drivers With A Speeding Ticket: GEICO
Drivers with a speeding citation on their record can generally find the most affordable coverage from GEICO, with average rates of $91 per month or $1,088 per year for minimum coverage and $298 per month or $3,581 per year for full coverage.
| Cheapest Car Insurance in Florida | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $91 | $298 |
| State Farm | $93 | $244 |
| Travelers | $102 | $228 |
| Allstate | $153 | $370 |
| National General | $154 | $477 |
| Progressive | $167 | $349 |
| Mercury | $181 | $400 |
| AIG | $183 | $600 |
| Farmers | $191 | $512 |
| United Automobile | $234 | $315 |
Cheapest Florida Car Insurance For Drivers With An At-Fault Accident: GEICO
Getting into a car crash in Florida may make your car insurance costs go up. GEICO tends to offer the most affordable rates on average at about $75 per month or $900 per year for minimum coverage and $247 per month or $247 per year for full coverage.
| Cheapest Car Insurance in Florida | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $75 | $247 |
| State Farm | $102 | $263 |
| Travelers | $112 | $246 |
| National General | $171 | $521 |
| Progressive | $185 | $386 |
| AIG | $194 | $620 |
| Farmers | $218 | $584 |
| Mercury | $233 | $521 |
| United Automobile | $234 | $319 |
| Allstate | $273 | $646 |
Cheapest Florida Car Insurance For Drivers With A DUI: State Farm
If you’re a motorist with a drunk driving conviction, you may find the cheapest minimum car insurance in Florida from State Farm for $93 per month or $1,119 per year on average. They also have rates of $244 monthly or $2,924 annually for full coverage.
| Cheapest Car Insurance in Florida | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $93 | $244 |
| GEICO | $104 | $336 |
| Travelers | $126 | $260 |
| National General | $129 | $432 |
| Progressive | $149 | $300 |
| AIG | $150 | $501 |
| Farmers | $164 | $449 |
| Allstate | $192 | $481 |
| Mercury | $215 | $451 |
| United Automobile | $333 | $428 |
Cheapest Florida Car Insurance For Drivers With Poor Credit: GEICO
People who have bad credit have to pay more money for car insurance. Those who don’t have the best credit history may want to check out GEICO, which has an average minimum-coverage rate of $105 per month or $1,259 per year and an average full-coverage rate of $346 per month or $4,155 per year.
| Cheapest Car Insurance in Florida | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $105 | $346 |
| National General | $128 | $407 |
| AIG | $144 | $484 |
| United Automobile | $171 | $246 |
| Travelers | $195 | $355 |
| Farmers | $200 | $570 |
| Progressive | $200 | $416 |
| Mercury | $231 | $553 |
| Allstate | $295 | $666 |
| State Farm | $625 | $1,071 |
Average Cost Of Car Insurance In 10 Florida Cities
Where you reside in Florida also plays a role in determining the amount you need to pay for your auto insurance. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger numbers of people.
- There are a greater number of cars driving on the road.
- More frequent car accidents
- More people breaking traffic laws more often
- More incidents of car theft and car vandalism
- Extreme weather conditions
Certain factors that increase the chance of car accidents are more common among people who own cars in big cities. That’s why drivers in busy cities have to pay the highest average amount of money for car insurance with minimum coverage. On the other hand, drivers in rural areas with lower crime rates and smaller populations usually have the advantage of getting lower insurance rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Jacksonville | $118 | $293 |
| St. Petersburg | $128 | $314 |
| Miami | $180 | $401 |
| Hialeah | $182 | $391 |
| Tampa | $157 | $357 |
| Miramar | $140 | $337 |
| Lakeland | $111 | $269 |
| Port St. Lucie | $115 | $270 |
| Kissimmee | $121 | $282 |
| Orlando | $119 | $277 |
Top 5 Car Insurance Companies In Florida
Apart from the expense, we have examined more than 40 insurance companies to determine which ones offer the best coverage, service, and reliability. Our analysis has led us to identify the top five insurers for residents of Florida. Based on our research, we found GEICO to be the best provider for most drivers in Florida. These are the ratings we gave to our top choices.
| Overall Rating | Cost | Coverage | Reliability | Service | |
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 Travelers | 4.6 | 4.4 | 4.9 | 4.5 | 4.2 |
| #3 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #4 Progressive | 4.5 | 4.0 | 4.8 | 4.8 | 4.1 |
| #5 Allstate | 4.4 | 3.8 | 4.6 | 4.8 | 4.2 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Florida
In Florida, you have various methods to reduce the amount you pay for car insurance. These include:
- Opting for minimum coverage: If you get only the minimum coverage that your state requires, you will find the car insurance that costs the least amount.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from multiple companies can help you understand which provider is offering the most affordable option.
Many insurance companies offer programs that allow you to save money based on how much you use your insurance. These programs are called usage-based insurance. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you might receive a significant reduction in price. However, certain programs may increase your rates if you engage in dangerous driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Florida Require For Car Insurance?
Drivers in Florida must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $10,000 property damage liability per accident
- $10,000 personal injury protection
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Florida
When it comes to both minimum and full coverage, GEICO is the best and cheapest auto insurance company for most drivers in Florida. While the above costs can give you an idea of what you’d pay for car insurance in Florida, getting a personalized quote will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and no-cost tools on their websites that can give you a price estimate. Alternatively, you can contact an insurance agent or representative from the company over the phone. Once you have gathered car insurance quotes from at least three providers, you should compare them to determine which is the most suitable for you.
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Best Cheap Car Insurance In Florida: FAQ
Here are some frequently asked questions about car insurance in Florida:
How much is car insurance per month in Florida?
Is Florida Car Insurance Cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.