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Cheapest car insurance in Florida

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Which company offers the cheapest car insurance in Florida? USAA, Geico and State Farm had the lowest rates for the average Sunshine State motorist, among carriers analyzed by Insurance.com’s experts. But no one’s perfect, so don’t fret if you don’t fit the average driver demographic. Regardless of your circumstances, if you’re searching for the cheapest car insurance in Florida, here you’ll find all the information you need to get the bargains you want – without sacrificing coverage.

If you live in Florida, even for just a few months a year, you must have auto insurance Florida coverage to be able to drive your vehicle legally. Car insurance Florida policies are different from many other states. Florida is a “no-fault” state — regardless of who caused the accident, each party must turn to their own car insurance to cover their losses.

Read on to learn about driving in the Sunshine State and finding the best and cheapest car insurance in Florida. We’ll explain the following topics:

Cheapest car insurance in Florida

Cheap car insurance in Florida takes a little work to find, as it’s the sixth most expensive state, on average, based on an Insurance.com rate analysis. Car insurance companies in Florida have a wide variety of discounts and coverage options. You’ll need to do a little research and shop around. Comparing car insurance quotes in Florida is the best way to find quality, affordable coverage. You’ll see in the chart below that rates differ significantly among Florida car insurance companies surveyed by Insurance.com.

How much is car insurance in Florida? Take a look at the following Florida car insurance rates for a safe driver with full coverage. Note that USAA is only available to military members and their immediate families.

  • USAA: $1,111
  • Geico: $1,701
  • State Farm: $1,912
  • Progressive: $2,433
  • Allied: $2,768
  • Allstate: $3,049

Cheap liability insurance for Florida drivers

For drivers wanting more than bare-bones coverage, but who don’t need comprehensive and collision coverage, USAA, Geico and State Farm again take the checkered flag for the lowest average rates. The cheapest auto insurers for liability limits of 50/100/50 and their average rates are:

  • USAA: $473
  • Geico: $752
  • State Farm: $977
  • Progressive: $1,393
  • Allied: $1,537
  • Allstate: $1,465

Cheapest car insurance quotes for your Florida driver profile

How much coverage you buy, and from which company, are among key factors that influence your insurance cost. We’ve seen that USAA, Geico and State Farm are the cheapest companies for the average driver (above). But not everyone is average. To give you an estimate of what you can expect, we provide car insurance quotes for Florida drivers for common scenarios. These include motorists with the following:

  • Accidents
  • Speeding tickets
  • Bad credit

Cheapest insurance for Florida drivers with accidents

State Farm, Geico and Progressive had the lowest car insurance rates in Florida for drivers with an at-fault accident, among those surveyed by Insurance.com. In Florida, a recent accident claim will hike your rates by an average of 35%. Though you’ll likely see a rate hike after a property damage or bodily injury liability claim, you can still save by comparison shopping, as you’ll see rates vary among carriers for those with accident claims.

Property damage claim or bodily injury claim

  • State Farm: $1,703
  • Geico: $1,733
  • Progressive: $2,818
  • Allstate: $3,171
  • Allied: $3,606
  • 21st Century: $5,241

Cheapest Florida car insurance for drivers with speeding tickets

State Farm has the lowest rate for Florida drivers with a recent speeding violation, among carriers researched by Insurance.com. If you get a speeding ticket, chances are you'll see an increase in rates upon your policy renewal. In Florida, a minor speeding ticket will hike your rate by an average of 27% to 31%. Typically, you'll pay more for three years. The good news? You can still save money by comparing Florida car insurance companies. You'll see that the difference between the highest rate and the lowest below is more than $2,000, on average, according to Insurance.com's rate analysis. That's how much you can save by comparing car insurance companies.

  • State Farm: $1,703
  • Geico: $2,771
  • Allstate: $2,836
  • 21st Century Centennial: $3,216
  • Allied: $3,362
  • Progressive: $3,762

Cheap car insurance in Florida for drivers with bad credit

State Farm is the cheapest car insurance in Florida for drivers with bad credit, among those surveyed by our experts. Car insurance for drivers with bad credit costs significantly more than it does for those with good credit. Florida ranks 15th among the worst states for drivers with bad credit, based on Insurance.com's data analysis. Compared to good credit drivers, those in Florida with bad credit pay 74%more, on average. The good news is that you can still shave some money off your coverage costs if you compare car insurance companies. You'll see below that the difference among major insurers is nearly $2,618 for a full coverage policy for a driver with bad credit. That's how much you can potentially save by comparing car insurance quotes.

  • State Farm: $2,704
  • Geico: $3,182
  • 21st Century Centennial: $3,348
  • Allied: $3,794
  • Allstate: $5,206
  • Progressive: $5,322

The minimum required car insurance in Florida

Florida law requires all drivers to carry a minimum amount of insurance. The minimums are:

  • $10,000 in personal injury protection (PIP)
  • $10,000 in property damage liability (PDL)

PIP car insurance Florida

PIP is also called Florida No-Fault Insurance. PIP insurance will cover your medical expenses as well as lost wages and some other damages if you're in an accident, whether or not it's your fault, up to the limits of your policy.

PIP also covers:

  • Your children
  • Members of your household
  •  Passengers who don't have their own PIP
  • PIP policyholders injured while riding on a bicycle and pedestrians

Property damage liability

Property damage liability covers damage you cause to other cars and others’ property. The coverage includes light posts, street signs, struck bicycles and more.

Cheapest car insurance in Florida for minimum coverage

USAA and Gecio  had the lowest average rate for minimum liability limits, or the least amount of coverage you need to drive legally. For Florida drivers with clean records buying state-mandated liability, the cheapest companies and their average rates are:

  • USAA: $358
  • Geico: $540
  • State Farm: $789
  • Progressive: $1,151
  • Allied: $1,122
  • Allstate: $1,008

Minimum coverage isn’t recommended because it’s typically not enough to pay for even minor accidents, leaving you responsible to pay for the balance of medical and repair bills. However, if you have an old car that’s not worth much and no savings or assets, state minimum liability coverage will suffice.

How much car insurance do you need?

If you’re moving to Florida from out of state, you’re probably familiar with the more common type of coverage, which includes property and bodily injury liability. The state of Florida replaces bodily injury with personal injury protection.

In addition, Florida minimums ($10,000) are extremely low. If you’ve ever had to repair a newer-model vehicle or pay for a hospitalization, $10,000 doesn’t get you very far. You’ll have to pay for any amount over the $10,000 limit out of pocket. For the best auto insurance in Florida, it’s advisable to bump up coverage limits to ensure you have enough financial protection in case of a serious accident.

How much is car insurance in Florida?

Car insurance Florida prices are much higher than the national average. The cost of a policy for the average Florida driver is $2,162, that’s about $400 more than the national average of $1,758.

If you have a clean driving record and good credit, here is how much you can expect to pay:

  • Liability only/State minimum: $828
  • Liability only, limits of 50/100/50: $1,100
  • Full coverage; liability limits of 100/300/100 with comprehensive and collision:$2,162

Some of the reasons Florida car insurance is higher than average include:

  • The largest number of uninsured drivers in the country: Almost 27% of drivers in Florida don’t have car insurance. If you’re involved in an accident, you’ll have little recourse against an uninsured driver.
  • Bad weather: Hurricanes, hail and tornadoes are a regular occurrence in the state of Florida. Strong rainfall and flooding are a regular hazard for drivers, causing frequent accidents. Vehicle damages can also occur from the high winds, hail and flooding during a hurricane.
  • Aging population: Florida has a large population of elderly drivers. Florida drivers of age 65 years and older were found to be twice as likely to be involved in a deadly crash.

Car insurance Florida recommendations

Based on Florida’s unique factors, upgrading your car insurance coverage would be a good idea, especially if you’re driving a newer-model car. Some optional coverages you should include to make sure you have the best car insurance in Florida include:

Bodily injury liability

Bodily Injury Liability (BIL) pays for serious and permanent injury or death to others should you cause a crash. If you have BIL insurance, your insurance company will not only pay for injuries up to the limits of your policy but it also will provide legal representation should you get sued. That's why, while not required, having bodily injury liability is highly recommended.

Uninsured/underinsured motorist

Uninsured/underinsured motorist (UM/UIM) coverage will provide you with extra coverage if the other party doesn’t have car insurance. It’s not mandatory coverage but when you consider that one in four drivers don’t have car insurance in Florida, it would be a good idea to add it.

Full coverage

Buying comprehensive and collision coverage is known as “full coverage”. If you’ve financed your car and making payments, you’re probably required to have full coverage. If you don’t owe money on your vehicle, it’s still a good idea to have full coverage.

Comprehensive insurance will cover your vehicle’s damages against fires, theft, vandalism, if you hit an animal, a tree branch falls on your vehicle, or severe weather causes damages to your car. Collision will pay to repair your vehicle if an object or vehicle strikes your car. Some examples include hitting a pothole or striking a pole while backing out of a parking spot.

5 tips on how to save on your auto insurance

Finding savings wherever you can get them can make a big difference on your car insurance. There are a few ways you can cut the cost of your premiums and still have the best auto insurance Florida coverage.

1. Take advantage of auto insurance discounts

The best car insurance companies in Florida have a variety of ways you can save on your coverage. You may even be able to take advantage of more than one. Some discounts include:

  • Payment discounts for prepayment, automatic payments and paperless billing
  • Safety and security vehicle equipment
  • Safe driver discounts for no claims or accidents
  • Occupational discounts for military, educators, doctors and more

2. Bundle your insurance

If you also own a home or have renter’s insurance, bundling all your policies with one insurance company can net you a nice discount. It will be much easier to manage them, too.

3. Compare car insurance quotes Florida

Before you sign up for coverage, get at least a couple more quotes. The same type of coverage could vary in price from one insurance company to another.

4. Lower your deductible

The vehicle deductible is the amount you’ll pay when you file a claim before the insurance company pays the rest. Consider raising the deductible higher to lower your monthly insurance premiums. Just make sure you can afford the higher deductible in the future.

5. Take a driving safety course

Many insurance carriers will give you a significant discount on your car insurance if you complete an approved defensive driving or driver safety course. The best part is, the discount will apply for the next three years.

Best car insurance companies in Florida

We looked at the long list of car insurance Florida carriers to narrow the list down to the best ones. There’s more to getting the best coverage than finding the lowest price. Insurance.com asked current policyholders what they thought of their car insurance company’s customer service, claims handling, mobile apps/websites and pricing to identify the best car insurance companies in Florida. Below you’ll see how major carriers ranked overall on these metrics in the survey. All scores are out of 100.

Overall rankingAuto insurance companyScore
1The Auto Club Group (ACG) - AAA91.89
2Auto Club of Southern California (Auto Club Enterprise Insurance Group)90.77
3CSAA Insurance Group89.67
4USAA88.54
5Mercury87.97
6Erie87.76
7Metlife86.71
8Nationwide86.34
9Progressive86.02
10Safeco85.7
11American Family85.47
12Hartford85.44
13Allstate85.32
14The General84.48
15State Farm83.6
16Geico83.22
17Liberty Mutual80.98
18Farmers80.24
19Esurance79.19
20Travelers76.07

Other things Florida drivers should know

If you’re new to Florida, it’s also important to be aware of the state’s rules and requirements.

Make sure you’re properly insured

If you move to Florida from another state, ask your insurance agent if your company writes in Florida (most do) and to transfer your insurance to Florida. You can look up insurance companies licensed to do business in Florida at the company directory on the Florida Office of Insurance Regulation.

Have proof of insurance with you at all times

Your insurance company will issue you a Florida Insurance I.D. card. Keep this card available to show any law enforcement officer who asks. If you don't carry a valid car insurance Florida policy and you’re stopped by the police or involved in a crash, you could lose your driver's license. The state of Florida could suspend your license for up to three years or until you prove you have purchased coverage. Driver’s license reinstatement fees in Florida are:

  • $150 for the first offense
  • $250 for a second offense within three years
  • $500 for a third offense

Register your out-of-state vehicle in 30 days

You’ll need to trade in your out-of-state tags for a Florida one within 10 days of moving to Florida. The registration fee is $225. To register your vehicle:

Auto insurance in Florida also applies to snowbirds

If you only live in Florida during the winter months, you still have to keep a valid car insurance policy in force. The state requires any vehicle with a Sunshine State license plate and registration to be covered by a Florida insurance policy. If you leave your car in Florida while you head north, it still must be insured while you are away. Some car insurance companies in Florida provide you with seasonal coverage — be sure to ask your insurance carrier about it.

Discounts for drivers over 55

If you have a Florida driver's License and you’re 55 or older, you may complete a six-hour motor vehicle accident prevention course. You can take the course online. As long as the completed course is recognized by the Florida Department of Highway Safety and Motor Vehicles, you’ll be eligible to receive a discount on your automobile insurance, good for three years.

Florida's graduated driving privileges

Florida is one of many states that has graduated drivers' licensing. You can apply for a learner's license after you turn 15. You’ll need to pass:

  • Traffic Law and Substance Abuse Course
  • Written test
  • Hearing exam
  • Vision test

Get a signed parental consent form and you can drive during daylight hours as long as a licensed driver who is at least 21 is in the front passenger seat.

Once you're 16, you can earn an intermediate license and drive between the hours of 6 a.m. and 11 p.m. When you're 17, you can drive between 5 a.m. and 1 a.m. When you turn 18, all restrictions are removed.