Florida Auto Insurance (2024)
Florida auto insurance costs $230/mo. However, you could pay lower rates by only meeting Florida minimum auto insurance requirements. You can find the best car insurance in Florida from Geico, State Farm, and Progressive. Below, we'll help you find the cheapest car insurance policy in Florida.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Florida full coverage auto insurance costs around $230 per month, which is higher than the national average
- Florida is a no-fault state, and drivers must carry personal injury protection
- Geico and State Farm are two of the cheapest auto insurance companies for Florida drivers
If you’re searching for the best auto insurance company in Florida, you should research the company that works best for you based on coverage options and overall auto insurance rates. On average, monthly rates for full coverage auto insurance in Florida are around $230.
Still, you may be able to find more competitive rates if you shop online and compare coverage rates from multiple insurance providers in your area. Enter your ZIP code below to compare quotes and auto insurance types from top companies in Florida.
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Florida Auto Insurance Cost
Full coverage in Florida costs around $230 per month. However, the national average for a full coverage policy is $148 monthly, which is significantly lower. Use the map below to see how Florida’s average auto insurance rates compare with the rest of the U.S.
To find cheap car insurance in Florida, many drivers purchase a minimum coverage policy that only meets Florida’s requirements for insurance. As a result, minimum coverage auto insurance in Florida costs just over $1,000 on average. However, you can find more competitive rates by shopping online and comparing Florida auto insurance quotes.
For example, Geico minimum car insurance in Florida costs around $60 monthly to a 35-year-old driver with a clean driving record.
Florida Auto Insurance Rates by City
Car insurance companies consider various factors that affect auto insurance rates, such as location. Other factors considered are age, gender, marital status, car make and model, driving history, and more.
Still, the cheapest Florida auto insurance policies are in Santa Rosa Beach, and the most expensive Florida rates are in Westview.
Best Auto Insurance Companies in Florida
State Farm, Geico, Progressive, and Allstate sell Florida’s best and cheapest auto insurance, as you can see in the table below.
Auto Insurance Average Rates by Provider
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| Safeco | $71 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
All four companies offer policyholders ways to customize their coverage and different discounts that could help them save even more on auto insurance.
State Farm Auto Insurance in Florida
State Farm auto insurance has the lowest average full coverage rates and could be an excellent choice if you want cheap auto insurance in Florida. State Farm has an A++ (Superior) financial strength rating with A.M. Best and a lower-than-average complaint index score with the National Association of Insurance Commissioners.
State Farm has several complaints as an insurance company overall. So, it’s a good idea to research State Farm car insurance in Florida before buying a policy.
Geico Auto Insurance in Florida
While it doesn’t offer the cheapest Florida car insurance, Geico auto insurance offers competitive rates and many discounts on coverage. In addition, Geico offers exceptionally cheap insurance in Florida to federal employees, military members, veterans, and students with good grades.
Geico has a highly-rated mobile app that makes filing claims and reviewing policy information user-friendly and hassle-free. But the company’s policies are basic.
Progressive Auto Insurance in Florida
Progressive auto insurance has the highest rates for full coverage, but the company offers many benefits that may outweigh the cost.
Progressive utilizes the Name Your Price tool to allow people to choose the proper coverage for their vehicle based on their budget. The company also uses its usage-based program, Snapshot, to monitor drivers’ habits on the road to potentially offer them lower rates for driving safely. Read our Progressive Snapshot review to learn more.
Allstate Auto Insurance in Florida
Allstate auto insurance offers many options for coverage, allowing policyholders to customize their policies. Allstate drivers in Florida can save money with several discounts, and the company has an exceptional web presence that makes filing claims easy.
Unfortunately, Allstate premiums are the second-highest, so people may not want to choose Allstate if they’re on a tight budget.
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Cheapest Florida Auto Insurance
The cheapest car insurance company in Florida is State Farm, offering coverage for as little as $164 per month.
Full Coverage Auto Insurance Monthly Rates by State
| State | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA | U.S. Average |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Alabama | $108 | $105 | $133 | $89 | $162 | $96 | $112 | $108 | $79 | $56 | $105 |
| Alaska | $135 | $105 | $127 | $76 | $164 | $108 | $97 | $65 | $93 | $60 | $103 |
| Arizona | $180 | $114 | $135 | $65 | $178 | $116 | $84 | $81 | $104 | $63 | $112 |
| Arkansas | $162 | $137 | $165 | $91 | $99 | $128 | $131 | $80 | $111 | $55 | $116 |
| California | $199 | $138 | $167 | $101 | $216 | $142 | $132 | $108 | $122 | $74 | $140 |
| Colorado | $166 | $118 | $163 | $94 | $92 | $107 | $120 | $94 | $114 | $78 | $115 |
| Connecticut | $196 | $125 | $151 | $62 | $201 | $112 | $133 | $91 | $83 | $77 | $123 |
| Delaware | $207 | $130 | $157 | $101 | $494 | $144 | $90 | $116 | $82 | $43 | $156 |
| District of Columbia | $241 | $115 | $139 | $69 | $180 | $172 | $115 | $111 | $102 | $48 | $129 |
| Florida | $183 | $188 | $227 | $89 | $161 | $103 | $153 | $99 | $166 | $47 | $142 |
| Georgia | $165 | $124 | $149 | $61 | $263 | $152 | $115 | $107 | $110 | $71 | $132 |
| Hawaii | $118 | $82 | $99 | $59 | $128 | $84 | $78 | $64 | $72 | $44 | $83 |
| Idaho | $128 | $93 | $92 | $57 | $79 | $82 | $91 | $53 | $57 | $40 | $77 |
| Illinois | $176 | $114 | $117 | $47 | $76 | $93 | $89 | $64 | $87 | $62 | $92 |
| Indiana | $140 | $107 | $79 | $63 | $183 | $97 | $69 | $71 | $69 | $43 | $92 |
| Iowa | $126 | $95 | $82 | $81 | $116 | $73 | $75 | $65 | $92 | $55 | $86 |
| Kansas | $160 | $114 | $144 | $75 | $174 | $92 | $127 | $81 | $87 | $56 | $111 |
| Kentucky | $236 | $164 | $197 | $80 | $168 | $184 | $111 | $98 | $139 | $72 | $145 |
| Louisiana | $206 | $176 | $212 | $141 | $274 | $181 | $161 | $124 | $156 | $98 | $173 |
| Maine | $108 | $84 | $117 | $37 | $120 | $87 | $94 | $59 | $61 | $37 | $80 |
| Maryland | $201 | $116 | $140 | $135 | $181 | $106 | $121 | $107 | $103 | $80 | $129 |
| Massachusetts | $143 | $99 | $120 | $72 | $155 | $103 | $95 | $78 | $88 | $53 | $101 |
| Michigan | $406 | $204 | $335 | $99 | $424 | $257 | $152 | $209 | $183 | $107 | $238 |
| Minnesota | $160 | $93 | $108 | $90 | $375 | $87 | $101 | $67 | $94 | $68 | $124 |
| Mississippi | $147 | $120 | $145 | $72 | $119 | $96 | $120 | $82 | $88 | $54 | $105 |
| Missouri | $148 | $106 | $135 | $90 | $129 | $66 | $98 | $85 | $114 | $50 | $102 |
| Montana | $154 | $125 | $164 | $82 | $59 | $88 | $171 | $70 | $111 | $50 | $107 |
| Nebraska | $125 | $112 | $130 | $92 | $179 | $77 | $95 | $69 | $102 | $56 | $104 |
| Nevada | $165 | $140 | $155 | $110 | $111 | $112 | $82 | $103 | $91 | $69 | $114 |
| New Hampshire | $128 | $77 | $93 | $50 | $198 | $77 | $63 | $59 | $68 | $41 | $86 |
| New Jersey | $157 | $115 | $231 | $74 | $279 | $119 | $93 | $113 | $136 | $61 | $138 |
| New Mexico | $158 | $103 | $131 | $90 | $161 | $96 | $86 | $69 | $91 | $65 | $105 |
| New York | $147 | $137 | $165 | $78 | $200 | $164 | $96 | $137 | $175 | $85 | $138 |
| North Carolina | $169 | $82 | $99 | $69 | $82 | $111 | $32 | $77 | $99 | $44 | $86 |
| North Dakota | $136 | $145 | $107 | $61 | $398 | $77 | $110 | $76 | $88 | $44 | $124 |
| Ohio | $120 | $62 | $96 | $59 | $106 | $114 | $85 | $70 | $63 | $41 | $82 |
| Oklahoma | $135 | $118 | $136 | $109 | $184 | $122 | $110 | $91 | $105 | $68 | $118 |
| Oregon | $153 | $106 | $111 | $93 | $141 | $111 | $78 | $75 | $97 | $58 | $102 |
| Pennsylvania | $148 | $108 | $131 | $68 | $219 | $86 | $148 | $76 | $75 | $57 | $112 |
| Rhode Island | $189 | $151 | $183 | $125 | $235 | $190 | $116 | $76 | $103 | $65 | $143 |
| South Carolina | $133 | $118 | $166 | $79 | $185 | $118 | $105 | $88 | $105 | $69 | $117 |
| South Dakota | $136 | $151 | $113 | $57 | $230 | $76 | $105 | $67 | $97 | $58 | $109 |
| Tennessee | $144 | $102 | $86 | $78 | $184 | $118 | $92 | $72 | $88 | $58 | $102 |
| Texas | $201 | $176 | $137 | $105 | $178 | $154 | $121 | $90 | $101 | $62 | $132 |
| Utah | $117 | $105 | $115 | $73 | $119 | $93 | $95 | $103 | $88 | $50 | $96 |
| Vermont | $142 | $85 | $103 | $38 | $100 | $77 | $181 | $87 | $75 | $42 | $93 |
| Virginia | $103 | $83 | $100 | $69 | $129 | $86 | $61 | $63 | $73 | $43 | $81 |
| Washington | $114 | $91 | $102 | $75 | $92 | $70 | $60 | $69 | $81 | $46 | $80 |
| West Virginia | $162 | $115 | $139 | $83 | $196 | $104 | $110 | $79 | $102 | $67 | $116 |
| Wisconsin | $123 | $63 | $109 | $62 | $84 | $226 | $94 | $58 | $72 | $47 | $94 |
| Wyoming | $155 | $111 | $130 | $111 | $75 | $114 | $106 | $82 | $98 | $57 | $104 |
To find cheap insurance in Florida, you should compare Florida car insurance quotes to see which company offers coverage at a price that works for you.
Florida Auto Insurance Minimum Coverage Requirements
In compliance with Florida auto insurance laws, drivers in Florida must carry the following minimum coverage to avoid the risk of having their license and registration suspended:
- $10,000 property damage liability per accident
- $10,000 personal injury protection (PIP)
- $10,000 in bodily injury liability per person
- $20,000 in bodily injury liability per accident
While these minimums are all you must carry if you live and drive in Florida, consider having higher levels of coverage for a more robust policy. Read more about Florida minimum auto insurance requirements.
More About Florida’s Personal Injury Protection
Florida’s personal injury protection (PIP) auto insurance can cover the following:
- Medical bills
- Lost wages
- Cost of in-home care
- Cost of medical equipment
- Funeral costs
PIP coverage will cover your injuries and passengers’ injuries but won’t cover any damage to your vehicle. Therefore, you need collision auto insurance to help pay for the damage caused to your car in a crash. Additionally, you may want to purchase comprehensive auto insurance to pay for non-accident-related damage to your vehicle.
Florida No Fault Auto Insurance
Florida is one of several U.S. states that has a no-fault auto insurance system. Under this system, anyone involved in a car accident must make injury claims under their PIP coverage.
When injury claims get paid out, all payments are capped at 80%, meaning drivers are responsible for covering the additional 20% of their medical costs. The at-fault individual’s bodily injury coverage pays for additional costs if injuries are serious enough.
Serious injuries often include the following:
- Significant disfigurement
- Bone fractures
- Permanent limitation of a body organ or body part
- A significant limitation of a body function or system
- Substantially full disability for 90 days
If an individual has a severe injury resulting from an accident, that person can file a lawsuit against the other driver. The driver’s bodily injury insurance can cover legal fees and the injured person’s medical bills.
How Driving Record Impacts Florida Auto Insurance Rates
A person’s driving record can significantly impact their Florida auto insurance rates, often significantly. Below, you can see how much auto insurance costs in Florida for people with different driving records.
Full Coverage Auto Insurance Average Rates by Company and Driving Record
| Insurance Company | Monthly Rates with a DUI | Monthly Rates with an Accident | Monthly Rates with a Ticket | Monthly Rates with a Clean Record |
|---|---|---|---|---|
| Allstate | $270 | $225 | $188 | $160 |
| American Family | $194 | $176 | $136 | $116 |
| Farmers | $193 | $198 | $173 | $139 |
| Geico | $216 | $133 | $106 | $80 |
| Liberty Mutual | $313 | $234 | $212 | $174 |
| Nationwide | $237 | $161 | $137 | $115 |
| Progressive | $140 | $186 | $140 | $105 |
| State Farm | $112 | $102 | $96 | $86 |
| Travelers | $206 | $139 | $134 | $99 |
| USAA | $108 | $78 | $67 | $59 |
| U.S. Average | $146 | $173 | $147 | $119 |
If you receive a ticket for a traffic violation, you can expect your rates to increase, but if the infraction is severe, you may see a drastic increase in what you pay for coverage. Read more about how auto insurance companies check driving records.
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Florida SR-22 Auto Insurance Coverage
Florida requires drivers to file an SR-22 form if they receive a DUI, are in multiple accidents, or are driving with a suspended license.
If you need an SR-22 form in Florida and you’re already insured, speak with a representative from your insurance company to see whether you can file your form. If the company refuses to help you, you’ll have to find nonstandard coverage with another provider, but you may be able to stay with your same company and simply pay more for coverage.
If you’re searching for cheap SR-22 auto insurance in Florida, you should find and compare quotes from multiple companies to ensure you don’t overpay for coverage. While your rates will increase, there’s no need for you to pay too much for high-risk auto insurance.
Best Florida Auto Insurance for a DUI
If you have a DUI on your driving record, your Florida insurance rates could increase by 50% or more, and you will be required to carry higher than minimum liability coverage. To find the cheapest insurance in Florida for a DUI, compare rates from all the providers in your area.
The following companies offer coverage for people with a DUI in Florida:
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
Travelers offers the cheapest rates for someone with a DUI on their record at $243 monthly. However, on average, the United Automobile Insurance Group charges over $467 monthly. Read more about auto insurance for drivers with a DUI.
Florida Auto Insurance Discounts
Auto insurance discounts on coverage vary based on the company, but here are some of the most common discount options for car insurance in Florida:
- Young driver
- Safe driver
- Multi-car
- Multi-policy
- Loyalty
If you believe you may qualify for a discount on coverage, speak with any company you’re considering to see how much you could save.
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Understanding More About Florida Auto Insurance
Cheap Florida car insurance is possible if you have a clean driving record. However, shopping at the best auto insurance companies, such as State Farm, Geico, and Progressive, can secure affordable rates in Florida.
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Getting cheap insurance rates is harder if you have a traffic violation. Also, younger drivers have three to five times higher rates than average, but they can save on car insurance by getting insurance from a parent or legal guardian.
Frequently Asked Questions
Is Florida a no-fault state?
Florida is a no-fault state, so drivers in Florida must file claims with their own insurers regardless of who caused the car accident.
Who offers the cheapest car insurance in Florida?
State Farm and GEICO offer the cheapest car insurance policies in Florida. But you may find that another company works better for you based on your unique factors.
Will my credit impact my Florida car insurance rates?
Most insurance companies consider a person’s credit when developing insurance rates. So your credit score is likely to impact your car insurance costs. However, the degree to which your credit affects your rates will vary based on many factors.
What’s the best Florida auto insurance company if I have a DUI?
Travelers offers the cheapest Florida auto insurance rates for someone with a DUI on their record at $243 monthly. However, on average, the United Automobile Insurance Group charges over $467 a month.
Why is Florida auto insurance so expensive?
Since Florida minimum auto insurance requirements include personal injury protection, the state has higher auto insurance rates due to higher medical costs.
Do I need Florida auto insurance to register a car in the state?
Yes, Florida car insurance laws require you to carry Florida’s minimum auto insurance requirements before registering a car.
How does my credit score affect Florida auto insurance rates?
Florida auto insurance laws allow your credit score to impact your auto insurance rates. So, if you have poor credit, you’ll pay higher rates. However, you should get a Florida auto insurance quote to know what you’ll pay.
Can I use my out-of-state auto insurance in Florida?
Yes, you can use your out-of-state auto insurance in Florida, but you still must meet Florida’s minimum auto insurance requirements.
Free Auto Insurance Comparison
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
