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Nick Dauk is a content writer specializing in business, entrepreneurship, personal finance, and travel who's been writing for Compare.com since 2023. His work has been featured in The New York Post, BBC, Business Insider, Fox Business, and Bisnow.
Nick’s global adventures have also been featured on Inside Hook, Houston Chronicle, Chicago Magazine, and The Telegraph.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Florida is among the most expensive states in the U.S. for auto insurance — its average car insurance rate is $193 per month. A big reason for this is Florida’s no-fault auto insurance laws, but its high population, heavy traffic congestion, high rate of uninsured drivers, and several other factors also come into play.
But just because Florida has some of the highest auto insurance rates in the country doesn’t mean you’re stuck. In fact, State Farm and a few other auto insurers offer affordable rates to Florida drivers.
In this guide, we’ll break down the cheapest car insurance companies for all types of Florida drivers, plus outline some expert advice on how to save on your monthly bill.
The average Florida driver pays $193 per month for auto insurance.
You can find liability policies for as little as $69 per month from companies like State Farm.
Florida has a high rate of uninsured drivers, making having adequate auto insurance coverage even more important.
Car insurance rates can vary widely depending on where you live — drivers in neighboring states can have dramatically different average rates.
Let’s look at how Florida stacks up to the rest of the U.S. as a whole.
State ▲▼ | Average Monthly Liability Premium ▲▼ | Average Monthly Full-Coverage Premium ▲▼ | Average Monthly Premium for All Policies ▲▼ |
|---|---|---|---|
| Florida | $153 | $233 | $193 |
| National average | $107 | $197 | $152 |
On average, drivers in Florida pay $153 per month for liability-only insurance and $233 per month for full coverage. But car insurance costs vary from driver to driver based on a variety of factors, including age, driving record, and ZIP code.
Compare personalized quotes from Florida’s top insurers.
As we mentioned above, Florida has some of the highest average car insurance rates in the country — and that’s because of several factors.
First, Florida is what’s known as a “no-fault” state. This means that if you get into an accident in Florida, you file a claim with your own insurance company to cover your injuries, regardless of who’s at fault.
Another reason is Florida’s high population density. As of the 2020 U.S. Census, Florida had the 10th-highest density of any state. Generally speaking, a higher population density means more people on the road — and more people on the road means more accidents. These accidents lead to insurance claims, which, in turn, mean increased auto insurance rates.
But perhaps the largest factor contributing to Florida’s high auto insurance rates is its number of uninsured drivers. The Insurance Research Council found that more than 20% of Florida drivers are uninsured — that’s nearly eight percentage points higher than the national average.
Combining no-fault insurance regulations, higher population densities, greater congestion, and a high percentage of uninsured drivers only leads to one thing — expensive auto insurance.
Florida’s average auto insurance rates are $193 per month, though you can still find ways to save by shopping around. Below are the five most affordable companies for Florida drivers, based on average rates from Compare.com.
Company ▲▼ | Column name ▲▼ |
|---|---|
| State Farm | $69 |
| GEICO | $71 |
| Mile Auto | $115 |
| Allstate | $121 |
| Travelers | $144 |
| Direct Auto | $160 |
| Mercury | $160 |
| Root | $160 |
| Progressive | $190 |
| Infinity | $201 |
| Foremost | $208 |
| GAINSCO | $228 |
| Bristol West | $240 |
| Dairyland | $243 |
| The General | $301 |
State Farm offers the lowest rates in Florida, at $69 per month. But these are broad averages, and the cheapest insurer for you will depend on your unique driver profile.
At the end of the day, finding the cheapest car insurance in Florida means finding the coverage that’s best for you at a rate you can afford. If you have room in your budget, it’s often wise to purchase liability coverage above state minimum requirements, as well as comprehensive and collision coverage, for greater protection, advises Mark Friedlander, director of corporate communications for the Insurance Information Institute (Triple-I).
“Regardless of where you live, we recommend all U.S. drivers carry liability coverage levels of at least 100/300/100 ($100,000 in bodily injury liability per person, $300,000 per accident, and $100,000 in property damage liability coverage) to ensure they have adequate financial protection from at-fault accidents,” Friedlander says. “Additionally, we suggest carrying uninsured/underinsured motorist coverage in high-risk states like Florida, where more than 20% of the drivers are uninsured.”
Read on to see the average rates for specific driver demographics in Florida.
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Unfortunately, there isn’t one company that’s the best choice for all drivers. Since each company calculates rates differently and every driver has different priorities when purchasing a policy, the best company for you might be totally different from a friend or family member.
With that in mind, it may seem like an impossible task to know where to start, but we’ve compiled a few of the best Florida insurers for some of the most common types of drivers in the Sunshine State.
Among the cheapest rates in Florida
Excellent mobile app
Range of discounts available
Expensive for high-risk drivers
No gap insurance
Few optional coverages available
You’ve probably seen Jake from State Farm on commercials advertising great rates. You’ve probably even thought, “Is State Farm really cheaper?” In Florida, the answer to that question is a resounding “yes.”
State Farm is a great choice for Florida drivers who value price the most. The company offers some of the lowest average rates in Florida. In fact, it’s also among the cheapest options, on average, for several age groups.
And you don’t have to sacrifice customer service for great rates, either. In its latest U.S. Auto Insurance Study, J.D. Power ranked State Farm as the second-best insurer in Florida in its Overall Customer Satisfaction Index.
Among the lowest rates for retirees
Plenty of coverage options
Above-average customer satisfaction
Below-average claims satisfaction
Accident forgiveness not available
More expensive than some competitors
The Hartford may be smaller than other insurers, but it’s a fantastic option for Florida’s sizable senior population. Through its partnership with AARP, The Hartford offers senior drivers great rates and a unique reward program.
We don’t currently have data for The Hartford’s average rates in Florida, but the company advertises average annual savings of up to $649 for seniors who switch to its AARP Auto Insurance Program. The company punches above its weight when it comes to customer service, too — scoring above average in J.D. Power’s Overall Customer Satisfaction Index.
Plenty of teen discounts
Great mobile app
Above-average customer satisfaction
Poor claims satisfaction
Only one local insurance agent
Few additional coverages available
It’s no secret that teens pay some of the highest rates of any group when it comes to auto insurance. Fortunately, teen drivers in Florida have options. GEICO’s average rates are among the lowest for teens — it’s a great choice, whether you’re a teen being added to your family policy or getting your own plan.
GEICO also offers a wide array of discounts teen drivers can take advantage of to save even more, including a good student discount and a discount for taking an approved driver safety course.
The insurance giant also scores well when it comes to customer service — ranking fifth out of all Florida insurers in J.D. Power’s Overall Customer Satisfaction Index Ranking — so Florida teens can rest assured they’re in good hands with GEICO.
Compare personalized quotes from Florida’s cheapest companies.
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Your policy rate is directly related to the amount of coverage you have. Liability-only coverage tends to have some of the lowest rates because these policies often only include the state’s minimum coverage requirements. You’d then be financially responsible for all other damages or injuries that your policy doesn’t cover.
The following chart highlights the cheapest companies for liability insurance in Florida, according to Compare.com data.
Purchasing only minimum coverage can leave you financially vulnerable after an accident. That’s why insurance experts recommend purchasing more than basic protection. Next, we’ll explore the cheapest options for drivers who want a more robust full-coverage insurance policy.
“Full-coverage” policies usually include comprehensive and collision insurance. These coverages provide added protection for damages or injuries to you and your property, but they typically raise rates, as well.
The chart below shows the cheapest car insurance companies in Florida for full coverage, according to Compare.com data.
In the sections below, we’ll look at how age and driving record affect rates and the cheapest companies for each demographic.
Age is one of the most influential factors for car insurance rates. Young drivers — especially teenagers — tend to cause more accidents than drivers older than 20, which is why their rates are often the highest. Adults older than 65 may see their rates rise due to cognitive and physical impairments that increase the likelihood of accidents.
In the table below, we break down how car insurance rates change based on age and the cheapest insurance for each age group, according to our data.
Age Group ▲▼ | Statewide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $325 | GEICO | $115 |
| 40s | $192 | State Farm | $66 |
| 60s | $157 | State Farm | $53 |
Teenagers are the most expensive drivers to insure because they have four times the crash rates than drivers 20 and older. A lack of driving experience, distracted driving, overconfidence, and peer pressure can contribute to crashes. Rates typically begin to drop for younger drivers after they reach 25 years of age.
Teen drivers in Florida pay an average of $325 per month for car insurance. GEICO has the cheapest car insurance on average for Florida teens, at $115 per month, according to Compare.com data.
As you approach retirement age, you might receive some of the cheapest rates possible. Rates may continue to drop as you enjoy your retirement due to infrequent driving. But it’s important to note that not all rates will be significantly low. Due to visual, physical, and cognitive impairments, older drivers are still at a higher risk of accidents, which can cause rate increases.
The average senior driver in Florida pays $157 per month, but they can find cheaper coverage with State Farm. Its average rates are $53 per month, according to our analysis.
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Your driving record can be one of the most important factors insurers use when determining your rates. Mistakes that display risky driving behavior or an increase in claim potential — such as at-fault accidents, tickets, or DUIs — can increase your rates. The following sections show how different incidents affect your premiums.
The following table also shows the cheapest insurer by age in Florida and its corresponding average monthly premium.
Driving Record ▲▼ | Statewide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $193 | State Farm | $69 |
| Speeding ticket | $236 | State Farm | $83 |
| At-fault accident | $254 | State Farm | $89 |
| DUI | $293 | State Farm | $109 |
Speeding is considered a risky behavior in the eyes of an insurer. It has consistently been a significant contributing factor in motor vehicle fatalities for decades, according to the National Highway Traffic Safety Administration (NHTSA).
Even if it doesn’t cause an accident, you’ll likely receive a rate increase from a single speeding ticket. In fact, a speeding ticket raises average rates by 27%, according to Compare.com data.
Florida drivers pay an average of $236 per month after a ticket, according to our research. But State Farm is the cheapest option. Florida drivers with a ticket who choose the insurer pay $83 per month on average.
Most drivers know that an at-fault accident can increase your rate, but you might not know that claims such as these can stay on your record for three years. The average driver sees their rates go up by 34% after an at-fault accident, according to our data.
The average premium for Florida drivers with at-fault accidents is $254, according to our data. Florida drivers with an accident on their record pay the cheapest rates with State Farm, at $89 per month.
A DUI can cause your rates to increase substantially — average rates rise by 50% after a DUI, according to Compare.com data. Along with fines ranging from $500 to over $4,000 and potential jail time, the state can suspend your driver’s license for at least 180 days if you’re convicted of a DUI in Florida.
Your insurance company may drop you from your policy or choose not to renew it. The state will also require you to secure insurance through a company that’ll file an FR-44 (certificate of financial responsibility required for DUI drivers) on your behalf.
In Florida, drivers with DUIs spend $293 per month, according to our research. But State Farm is the cheapest auto insurer for this group. Florida drivers who choose the insurer pay $109 per month on average after a DUI.
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According to the Florida Department of Highway Safety and Motor Vehicles, state law requires drivers of all registered vehicles to have the following minimum insurance coverage:
$10,000 of personal injury protection (PIP) coverage
$10,000 of property damage liability coverage
You must maintain this insurance from the start of the vehicle registration until you surrender the vehicle’s license plate. Florida always requires this coverage no matter if you don’t drive or if your vehicle is inoperable.
Florida is a no-fault state, which means you’ll file a claim with your insurance company after an accident, no matter who was at fault. Drivers in no-fault states are required to purchase personal injury protection coverage.
In a collision, both drivers would file claims with their insurers. Each insurance company would then pay for its policyholder’s medical bills, lost wages, or funeral expenses. And, because you’re filing a claim, your insurer could raise your rates unless you were found not at fault.
Personal injury protection — or PIP — is an insurance product that covers medical expenses if you’re involved in an accident, no matter if you’re at fault or not.
PIP insurance is required in no-fault states like Florida. These states require you to file a claim when you’re involved in an accident (which may increase your rates). PIP insurance can cover medical expenses — similar to health insurance — as well as lost wages due to injury and funeral expenses.
SR-22 insurance isn’t a type of insurance coverage, like comprehensive or collision. Instead, it’s a certificate you file to prove you hold the state-required liability insurance.
In Florida, an SR-22 ensures you have bodily injury liability and property damage liability coverage in line with the reinstatement requirements of the Florida financial responsibility law.
Florida replaced its SR-22 form with an FR-44 form to uphold higher liability limit requirements. Drivers convicted of a DUI will need to file an FR-44 to reinstate their license and registration and will need to maintain the FR-44 insurance requirement for three years.
Florida requires drivers to maintain at least the minimum required insurance throughout their registration period, even if you don’t drive for that period or if your car is inoperable. A lapse of coverage — even when canceling your insurance right before surrendering your license plate — can trigger non-compliance.
Non-compliance can result in the immediate suspension of your driver’s license and registration for up to three years. You’ll have to pay a fee of up to $500 for reinstatement. A second offense could result in more fees, and driving on a suspended license can result in further fees or even jail time.
Use these tips to lower your car insurance rates in Florida:
Reduce optional insurance on older vehicles: The Insurance Information Institute suggests lowering optional insurance coverage if your vehicle is worth less than 10 times your premium. Retaining only the minimally required coverage can keep your rate as low as possible.
Ask about discounts: Most insurers offer discounts for policyholders based on things like driving habits, affinity memberships, payment methods, vehicle safety features, and more. Some don’t advertise all of their discounts, so ask your agent if there are any you qualify for.
Improve your credit: Improving your credit score could improve your credit-based insurance score, which might lower your rate during renewal periods.
Raise your deductible: Raising your deductible puts more financial responsibility on you in the event of an accident. In most cases, a higher deductible leads to lower premiums — but just make sure you can afford the extra expenseif you have to file a claim.
Shop around and compare rates often: The industry is highly competitive, and insurers are constantly adjusting their rates, discounts, and incentives. Shopping around and comparing quotes from multiple companies is the best way to save.
Compare personalized quotes from the cheapest insurers in California.
Whether it’s your first time getting car insurance or you’ve recently moved to Florida, it’s good to know the basics of the state’s auto insurance requirements. Here are answers to the most commonly asked questions about Florida car insurance.
State Farm is the cheapest auto insurance company in Florida, with an average rate of $69 per month, according to our data.
But rates vary quite a bit depending on your personal insurance profile, so it’s important to shop around and compare quotes to find the company that’s cheapest for you.
The average monthly premium for car insurance in Florida is $193, according to Compare.com data. But car insurance rates in Florida can range dramatically, depending on your location, age, and driving record.
Because a wide array of factors affect your auto insurance rates, there isn’t one company that’s best for all drivers. That said, we’ve found that GEICO and State Farm are great choices for Florida drivers looking for cheap policies without sacrificing customer service.
Florida requires all drivers to maintain PIP and PDL insurance at a minimum of $10,000 each. This insurance must be met even if your vehicle is inoperable and up until after the license plate or registration tag is surrendered.
Penalties for getting caught driving without a license in Florida include a suspension of your driver’s license and license plate for up to three years, as well as a reinstatement fee of $500.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Sources
Florida Highway Safety and Motor Vehicles, “Florida Insurance Requirements,” accessed November 7, 2024.
J.D. Power “2024 U.S. Auto Insurance Study,” accessed November 7, 2024.
Insurance Information Institute, “Facts + Statistics: Uninsured Motorists,” accessed November 7, 2024.
United States Census Bureau, “Population Density of the 50 States, the District of Columbia, and Puerto Rico: 1910 to 2020,” accessed November 7, 2024.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Nick Dauk is a content writer specializing in business, entrepreneurship, personal finance, and travel who's been writing for Compare.com since 2023. His work has been featured in The New York Post, BBC, Business Insider, Fox Business, and Bisnow.
Nick’s global adventures have also been featured on Inside Hook, Houston Chronicle, Chicago Magazine, and The Telegraph.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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