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The Best Florida Car Insurance Companies

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    Reviews Report

    • Allstate, Geico, State Farm, and Progressive made our list of best car insurance companies in Florida.
    • Of the companies we reviewed, Geico has the lowest average annual premium for state minimum coverage at $841.
    • State Farm and Allstate had the highest J.D. Power scores in 2021 for customer satisfaction.

    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 so shopping around for car insurance quotes in Florida before you select a policy could save you money in the long run.

    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 its excellent financial strength, an overall high customer satisfaction rating, and average lower premium rate, we selected Geico as having the best auto insurance in Florida of carriers we reviewed. Although every quote is different, it’s important to be informed before shopping around for your next Florida car insurance policy. 

    The 4 Best Auto Insurance Companies in Florida

    • Allstate: Cheapest Car Insurance Company in Florida
    • Geico: Best Florida Car Insurance for Customer Service
    • State Farm: Best Florida Car Insurance for Premium-Reducing Programs
    • Progressive: Best Florida Car Insurance for Discounts

    Compare the Best Car Insurance Companies in Florida

    Full Coverage Annual Premium* State Minimum Annual Premium* AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction* J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Allstate$2,441$1,138 A+ 846
    Pin Geico$2,085$841 A++ 823
    Pin State Farm$1,739$842 A++848
    Pin Progressive$2,573$1,356 A+ 822

    Information accurate as of July 2021

    *Data provided by Bankrate.com

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Florida region. Based on a 1,000-point scale.

    Allstate

    Cheapest Car Insurance

    Why we chose it

    Florida is one of the most expensive states for car insurance in the nation. As a major provider, Allstate provides drivers with all of the tools they need an insurance company to have at the lowest price.
    • $1,138* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 846** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Florida is one of the most expensive states for car insurance in the nation. As a major provider, Allstate provides drivers with all of the tools they need an insurance company to have at the lowest price.

    Pros

    • Excellent financial strength
    • No. 1 for customer satisfaction in Florida
    • Lower than average premiums

    Cons

    • Higher than average complaints from NAIC
    • Claims satisfaction guarantee not in all states
    • Missing multi-car discount
    Read More

    Add-On Coverage

    • Full coverage
    • Sound system insurance
    • Roadside coverage
    • Rental reimbursement coverage
    • Medical payments

    Discounts Available

    • New car
    • Multiple policy
    • Smart student
    • Pay in full
    • Safe driving
    • Early signing

    More Allstate Insurance Reviews

    Geico

    Best for Customer Service

    Why we chose it

    Filing a claim is never stress free regardless of how easy it is. Geico’s customer service department knows this and scores top marks for how it treats its policyholders year after year.
    • $841* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 823** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Filing a claim is never stress free regardless of how easy it is. Geico’s customer service department knows this and scores top marks for how it treats its policyholders year after year.

    Pros

    • Excellent financial strength
    • Highly rated mobile app
    • Affordable policies

    Cons

    • Lower than average claims satisfaction from NAIC
    • Few local agents
    • Higher than average complaint index
    Read More

    Add-On Coverage

    • Uninsured/underinsured motorist
    • Emergency road service
    • Rental reimbursement
    • Mechanical breakdown insurance
    • Medical payments coverage

    Discounts Available

    • Good student
    • Accident forgiveness
    • Military
    • Federal employees
    • Driver’s education course
    • Multi-vehicle

    More Geico Insurance Reviews

    State Farm

    Best for Premium Reducing Programs

    Why we chose it

    Why we chose it: State Farm offers unique discount options such as Drive Safe & SaveTM, which uses your smartphone app to analyze your driving habits. Just as the name implies, if you drive safe you save.
    • $842* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 848** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Why we chose it: State Farm offers unique discount options such as Drive Safe & SaveTM, which uses your smartphone app to analyze your driving habits. Just as the name implies, if you drive safe you save.

    Pros

    • Wide customer service network
    • Rideshare coverage available
    • More discounts than competitors

    Cons

    • Higher than average complaints from NAIC
    • No gap insurance
    Read More

    Add-On Coverage

    • Collision 
    • Comprehensive
    • Rental reimbursement
    • Rideshare 
    • Teen drivers

    Discounts Available

    • Multi-line 
    • Safe driver
    • Good student
    • Accident free
    • Defensive driving course
    • Multiple auto

    More State Farm Insurance Reviews

    Progressive

    Best for Discounts

    Why we chose it

    Progressive offers a page full of discounts, most of which are easily obtainable. Choose to bundle policies, and drivers could save a lot of money on their car insurance in Florida.
    • $1,356* Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 822** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive offers a page full of discounts, most of which are easily obtainable. Choose to bundle policies, and drivers could save a lot of money on their car insurance in Florida.

    Pros

    • Multiple options for coverage
    • Wide range of discounts
    • Name Your Price Tool

    Cons

    • Average customer satisfaction in the region
    • Lower than average claims satisfaction
    • Higher than average premiums
    Read More

    Add-On Coverage

    • Gap insurance
    • Pet coverage
    • Rideshare
    • Custom parts and equipment
    • Deductible savings bank
    • Roadside assistance

    Discounts Available

    • Snapshot
    • Multi-policy
    • Continuous insurance
    • Homeowner
    • Paperless
    • Accident forgiveness

    More Progressive Insurance Reviews

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

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Florida region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Florida

    According to 2021 data from Bankrate.com, Florida is the one of the most expensive states in the nation for car insurance, with an average annual full coverage premium of $2,364. This is $690 more than the national average, which is currently $1,674 per year.

    Florida auto insurance costs more than other states for a variety of reasons. First and foremost, it has a pretty high death rate per 100,000 drivers. As of 2019, it was at 14.8 (the U.S. average was 11). It also has one of the highest uninsured motorist rates in the country. The Insurance Information Institute estimates that over 20% of the population is driving without insurance. Then there are, of course, natural disasters to consider. With hurricanes and floods occurring every year, Florida car insurance companies know that they will have a slew of claims to process each year that are unrelated to driving.

    Top 2 Cheapest Car Insurance Companies in Florida 

    CompanyAverage Annual Minimum Coverage Premium*
    Geico$841
    State Farm$842

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

    Florida Auto Insurance Company Average Premiums

    Florida Auto Insurance CompanyFull Coverage Avg. Annual PremiumState Minimum Liability Avg. Annual Premium
    Geico$2,085$841
    State Farm$1,739$842
    Allstate$2,441$1,138
    Progressive$2,573$1,356
    Direct General$2,766$1,379

    Top 2 Most Expensive Car Insurance Companies in Florida

    CompanyAverage Annual Minimum Coverage Premium*
    Progressive$1,356
    Direct General$1,379

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

    Top 3 Cheapest Cities for Car Insurance in Florida 

    CityAverage Annual Minimum Coverage Premium*
    Ponce de Leon$707
    Marianna$709
    Malone$709

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

    Top 3 Most Expensive Cities for Car Insurance in Florida 

    CityAverage Annual Minimum Coverage Premium*
    Egypt Lake-Leto$1,761
    Ocean Ridge$1,754
    Boynton Beach$1,718

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

    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. Drug-impaired crashes are on the rise, with drivers under 40 most often having marijuana in their system while drivers over 40 are impaired by other controlled substances. With a high incidence of hit and run crashes in the state, drivers should make sure to carry uninsured and underinsured motorist coverage to protect themselves from drivers who leave the scene of an accident. 

    • From 2018 to 2020, there were 2,975 drug-impaired crashes in the state, with 1,835 fatalities and 2,445 injuries resulting from the accidents.
    • According to the Insurance Institute for Highway Safety, 31% of crash deaths in 2019 were sedan occupants, while 19% were occupants in pickup trucks and SUVs.
    • Of the 340,918 car crashes in 2020, 92,134 were hit and run crashes resulting in 264 fatalities and 20,976 injuries.

    Florida Car Insurance Minimum Requirements

    Florida requires drives 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 pays for 80% of injuries and lost wages, up to the policy limits. 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. 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 you may have to pay a fine of $500 to reinstate it 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 used Bankrate.com’s data of car insurance in Florida, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:

    • $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.

    About the Authors

    Mandy Sleight is an insurance writer for Reviews.com. Over the last three years, she has covered insurance providers, coverage, costs of insurance, and more at MoneyGeek, Bankrate, and The Simple Dollar.

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