Reviews Report

• Allstate, Geico, State Farm, and Progressive made our list of best car insurance companies in Florida.
• Across recent 2025 Florida rate analyses, State Farm and Geico often return among the lowest average quotes for many driver profiles (actual premiums vary by ZIP, vehicle, and history; see Bankrate and NerdWallet).
• The latest J.D. Power U.S. Auto Insurance Study shows mixed satisfaction results by region; performance varies among large national carriers.

When choosing a Florida auto insurance company, it is important for consumers to have a peace of mind that their company will protect them in the event of an accident. To achieve that level of confidence, your car insurance policy should have adequate coverage at an affordable price. Unfortunately, the best car insurance rates in Florida are often higher on average than other states — and they have risen sharply since 2021 — so shopping around for car insurance quotes in Florida, comparing discounts/telematics, and bundling when appropriate can help. Recent data from Bankrate, NerdWallet and the BLS CPI all point to elevated premiums in 2024–2025.

To determine the best car insurance in Florida, we have analyzed the top insurance companies by market share and reviewed AM Best ratings, J.D. Power rankings, coverage availability, discounts, and average cost. Based on current stability, broad coverage options, and pricing tendencies seen in recent statewide comparisons, State Farm and Geico frequently price below the Florida average for many profiles, Progressive is often mid-pack, and Allstate often skews higher — but individual quotes vary widely. Use our methodology and shop multiple carriers to find your best fit. 

The 4 Best Auto Insurance Companies in Florida

• Allstate: Feature-rich options (e.g., accident forgiveness, new car replacement); often priced higher than the Florida average
• Geico: Often among the lowest average rates in Florida for many driver profiles
• State Farm: Strong telematics and discount programs; frequently returns low quotes
• Progressive: Best for broad discounts and Snapshot telematics; competitive for diverse profiles

Note: The comparison block above reflects 2021 figures. For current averages and rankings, see Bankrate’s Florida averages and the latest J.D. Power study.

*Some data originally provided by Bankrate.com; for updated figures, see Bankrate (Florida).

**J.D. Power U.S. Auto Insurance Study results are reported on a 1,000-point scale and vary by U.S. region.

Allstate

Geico

State Farm

Progressive

*Data provided by Bankrate.com, price based on the state minimum required policy.

**J.D. Power U.S. Auto Insurance Study results are reported on a 1,000-point scale and vary by U.S. region.

The Average Cost of Car Insurance in Florida

Recent 2025 analyses show Florida remains among the most expensive states for auto insurance. Typical statewide averages cluster around $3,000–$4,300 per year for full coverage and about $1,100–$1,700 per year for minimum coverage, depending on methodology and driver profile. See the latest Florida averages from Bankrate and NerdWallet.

Florida auto insurance costs more than other states for several reasons. Fatality risk remains higher than the national average (IIHS), the state still has a high share of uninsured motorists — about 16% as of 2022 (Insurance Information Institute) — and recurring hurricanes and floods drive large claim volumes and severity (NOAA). Nationally, the CPI for motor vehicle insurance saw sustained double‑digit increases through late 2024 and remained elevated into 2025, reflecting broader claim‑cost pressures.

Top 2 Cheapest Car Insurance Companies in Florida 

* Data source: Bankrate (2025 Florida analysis); prices vary by driver profile.

Florida Auto Insurance Company Average Premiums

Top 2 Most Expensive Car Insurance Companies in Florida

* Data source: Bankrate (2025 Florida analysis); prices vary by driver profile.

Top 3 Cheapest Cities for Car Insurance in Florida 

* Data source: Bankrate (2025 Florida analysis).

Top 3 Most Expensive Cities for Car Insurance in Florida 

* Data source: Bankrate (2025 Florida analysis).

Florida Car Insurance: What You Need to Know

In the Sunshine state, drivers get the best rates when they drive sober and avoid tickets and accidents. With a still-elevated share of uninsured motorists and frequent hurricane and flood exposure, adding uninsured and underinsured motorist coverage can help protect you if you’re hit by a driver who leaves the scene or lacks sufficient insurance. 

• About 16% of Florida drivers were uninsured in 2022 — above the U.S. average — according to the Insurance Information Institute’s summary of Insurance Research Council estimates (source).
• Auto insurance premiums have surged since 2021; the CPI for motor vehicle insurance recorded near 20% year-over-year increases through late 2024 and remained elevated into 2025.
• NOAA continues to track a high cadence of billion-dollar disasters, including hurricanes and flood events that affect Florida — factors that contribute to higher claim costs and premiums.

Florida Car Insurance Minimum Requirements

Florida requires drivers to carry at least the following minimum coverage limits:

• $10,000 personal injury protection (PIP)
• $10,000 property damage liability per accident

Florida is a no-fault state, which means that drivers must carry PIP coverage to help pay for injuries of an accident, regardless of who is at fault. PIP generally covers up to 80% of reasonable medical expenses and up to 60% of lost income and replacement services, subject to the $10,000 limit and any deductible. You must receive initial treatment within 14 days; without a diagnosed emergency medical condition, PIP medical benefits are capped at $2,500 (see Florida Stat. §627.736). Property damage liability coverage pays for damage you cause to another person’s vehicle or their property, like a fence or mailbox, if you are at-fault for an accident.

Unlike most other states, bodily injury liability is not required in Florida. However, to drive legally, you do have to show proof that you can pay for injuries that you cause. This is called a “financial responsibility law.” In Florida, most drivers likely opt to purchase car insurance to satisfy this law. After certain events — such as an at-fault crash causing injuries or a DUI conviction — higher liability limits become mandatory for three years (see Florida Stat. §324.023). If you buy bodily injury insurance coverage, the minimum required limits are:

• $10,000 bodily injury liability per person
• $20,000 bodily injury liability per accident

Florida car insurance companies must also offer uninsured motorist coverage, although it can be declined in writing.

Florida’s state minimum car insurance requirements are very low compared to other states. If a driver is hurt in an accident or causes damage to a high-value item, like a building or expensive luxury car, they could be sued if they don’t have enough coverage. Drivers in Florida are encouraged to have more coverage to provide financial protection. 

Though Florida’s minimum coverages aren’t the traditional bodily injury and property damage limits we usually see in other states, Florida car insurance laws require that drivers carry continuous coverage, even if the car isn’t operable. If you don’t maintain continuous coverage, your license may be suspended and reinstatement fees may apply once you get coverage back in force.

Additional Car Insurance Coverage in Florida

Although Florida drivers only have to carry $10,000 in personal injury protection and an additional $10,000 in property damage liability, many insurance experts recommend to purchase additional car insurance to protect the vehicle and the driver. Recommended Florida car insurance coverage includes:

• Bodily injury liability: Because Florida’s PIP minimums are so low, it’s highly encouraged to buy bodily injury liability to cover any incidents that result in medical injuries.
• Comprehensive: This optional coverage pays if your car is vandalized, stolen, if you hit an animal and for weather-related events, including storm surge.
• Collision: Collision coverage comes in when your vehicle is involved in a crash with another vehicle or object.
• Uninsured/underinsured motorist: This coverage for your injuries if someone else hits you and they either don’t have enough liability coverage, none at all, or you’re a victim of a hit and run. 

Self-Insurance in Florida 

In Florida, drivers have the option to self-insure instead of purchasing the minimum auto insurance coverage required by law.  Drivers who qualify for self-insurance can obtain a certificate from the insurance department. To qualify, you must have at least $40,000 in unencumbered net worth for the first car and $20,000 for each additional registered vehicle. 

Registered auto owners who self-insure must renew their certificate annually and prove their net worth to waive the minimum Florida auto insurance requirements for drivers. They will also be required to pay for anything they are deemed at fault for during an auto accident as a result of self-insuring.

How to Get Cheap Florida Car Insurance

Florida Car Insurance FAQ

Methodology

Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Florida, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

As for average pricing, we referenced recent statewide analyses (e.g., Bankrate’s Florida averages) and the latest customer-satisfaction results from J.D. Power, noting that methods and driver profiles vary across studies.

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. 

These are sample rates and should only be used for comparative purposes.

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