Reviews Report
- Allstate is Reviews.com’s top rated car insurance company in Florida, earning a 4.6 out of 5.
- State Farm has the lowest average premium for full coverage at $3,028.12.
- Allstate and Geico had the highest J.D. Power scores in 2020 for customer satisfaction.
Compared to other states, Florida drivers have higher-than-average rates for auto insurance, with costs on the rise. With this in mind, shopping around for great car insurance can help drivers get the coverage they need at a price they can afford.
To find the best auto insurance in Florida, we analyzed the top insurers by market share and compared AM Best ratings, J.D. Power rankings, coverages, available discounts, and average cost for auto insurance. We chose Geico as the top Florida car insurance carrier because it has excellent financial strength, customer satisfaction, coverage, and cost.
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* | Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. | 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 | $3,482.79 | $1,360.78 | 4.6 | A+ | 851 | |
| Pin Geico | $3,320.98 | $1,519.70 | 4.8 | A++ | 846 | |
| Pin State Farm | $3,028.12 | $1,639.15 | 4.4 | A++ | 826 | |
| Pin Progressive | $3,837.06 | $2,142.69 | 4.4 | A+ | 834 |
Information accurate as of April 2021
*Data provided by Coverage.com
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Florida region. Based on a 1,000-point scale.
Cheapest Car Insurance
Why we chose it
Why we chose it
Pros
- Excellent financial strength
- No. 1 for customer satisfaction in Florida
- Lower than average premiums
Cons
- Higher than average complaints
- Claims satisfaction guarantee not in all states
- Missing multi-car discount
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
Best for Customer Service
Why we chose it
Why we chose it
Pros
- Excellent financial strength
- Highly rated mobile app
- Affordable policies
Cons
- Lower than average claims satisfaction
- Few local agents
- Higher than average complaint index
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
Best for Premium Reducing Programs
Why we chose it
Why we chose it
Pros
- Wide customer service network
- Rideshare coverage available
- More discounts than competitors
Cons
- Higher than average premiums
- Higher than average complaints
- No gap insurance
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
Best for Discounts
Why we chose it
Why we chose it
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
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 Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Florida region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in Florida
According to Coverage.com, Florida is the most expensive state for full coverage with an average annual premium of $2,587. This is $1,032 more than the national average, which is currently $1,555.
Florida 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, insurance companies know that they will have a slew of claims to process each year that are unrelated to driving.
Top 3 Cheapest Car Insurance Companies in Florida
| Company | Average Annual Premium |
| Allstate | $1,360.78 |
| Direct General | $1,457.69 |
| Geico | $1,519.70 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Florida Auto Insurance Company Average Premiums
| Florida Auto Insurance Company | Full Coverage Avg. Premium | State Minimum Liability Avg. Premium |
| Metropolitan Cas Ins Co | $3,069.86 | $2,359.29 |
| Geico Ind Co | $4,152.32 | $2,176.79 |
| Progressive Select Ins Co | $3,837.06 | $2,142.69 |
| State Farm Fire & Cas Co | $3,438.59 | $2,007.73 |
| Direct Gen Ins Co | $3,620.62 | $1,457.69 |
| Metropolitan Gen Ins Co | $3,783.67 | $1,415.82 |
| Allstate Fire & Cas Ins Co | $3,482.79 | $1,360.78 |
| State Farm Mut Auto Ins Co | $2,617.65 | $1,270.56 |
| Geico Gen Ins Co | $2,905.31 | $1,191.16 |
| Government Employees Ins Co | $2,905.31 | $1,191.16 |
Top 3 Most Expensive Car Insurance Companies in Florida
| Company | Average Annual Premium |
| State Farm | $1,639.15 |
| Metropolitan | $1,887.56 |
| Progressive | $2,142.69 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Cheapest Cities for Car Insurance in Florida
| City | Average Annual Premium* |
| Marianna | $1,051.83 |
| Bonifay | $1,053.36 |
| Chipley | $1,053.40 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Most Expensive Cities for Car Insurance in Florida
| City | Average Annual Premium* |
| North Miami Beach | $2,347.01 |
| Westview | $2,357.90 |
| Sweetwater | $2,322.27 |
* Data provided by Coverage.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 340,472 car crashes in 2020, 91,998 were hit and run crashes resulting in 264 fatalities and 20,961 injuries.
Florida Minimum Insurance Requirements
Florida’s state requirements are currently only 10/20/10, which means each driver must have a policy that covers up to:
- $10,000 per person for bodily injury
- $20,000 per accident for bodily injury
- $10,000 for property damage
PIP pays for 80% of your injuries and lost wages, regardless of who is at fault. Property damage insurance pays for damage you or someone else causes while driving an insured vehicle, because this insurance coverage follows the car and not the person.
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 still requires you carry continuous coverage, even if the car isn’t operable. If you don’t maintain continuous coverage, you could have your license suspended and have to pay a fine of $500 to reinstate it once you get coverage back in force.
It’s also important to note if there are injuries involved or the at-fault driver is charged with a moving violation, the liability limits listed above apply. The requirements to meet if this coverage isn’t in effect at the time of the accident are noted in the next section.
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, it’s recommended to purchase additional car insurance to protect the vehicle and the driver. Recommended car insurance coverage in Florida 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; a must for Florida drivers where storm surge is a risk.
- Collision: Collision coverage comes in when your vehicle is involved in a crash with another vehicle or object. It’s not required in Florida’s car insurance state minimums, so it’s another strongly recommended additional coverage to purchase.
- Uninsured/underinsured motorist: This coverage for your injuries and car damages 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.
Florida’s No-Fault Law
Florida is considered a no-fault state, which means each person pays for their own damages if involved in a car accident. However, injuries or a moving violation change, according to Florida Financial Responsibility Law. The limits listed in the previous section apply. If the driver didn’t have those limits in place at the time of the accident, the at-fault party must:
- Purchase at least 10/20/10 liability coverage with an SR-22 filing and maintain this coverage for at least three years.
- Pay $15 to reinstate if needed.
- Obtain a release or post a security deposit with the department in amounts listed on the suspension notice.
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 auto insurance requirements for Florida 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 Coverage.com’s data of car insurance in Florida, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:
- $100K bodily injury liability per person
- $300K bodily injury liability coverage per crash
- $100K property damage liability coverage per crash
- $500 collision coverage deductible
- $500 comprehensive coverage deductible
Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.
About the Authors
Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.
