HomepageInsuranceCarThe Best Car Insurance Companies in Florida

The Best Florida Car Insurance Companies

Fact-checked with HomeInsurance.com ​
Insurance Disclosure This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Save money on auto coverage with our simple comparison tool.

Please enter a valid zip code

Powered by HomeInsurance.com (NPN: 8781838)

Click at least 2-3 companies to find the very best rate.

    Advertiser Disclosure

    Close icon.

    We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

    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.

    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.
    • 4.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,360.78* Average Premium Pricing data comes from our partners at Coverage.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.
    • 851** 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
    • 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.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,519.70* Average Premium Pricing data comes from our partners at Coverage.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

    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
    • 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.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,639.15* Average Premium Pricing data comes from our partners at Coverage.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.
    • 826** 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 premiums
    • Higher than average complaints
    • 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.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,142.69* Average Premium Pricing data comes from our partners at Coverage.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.
    • 834** 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 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 

    CompanyAverage 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

    CompanyAverage 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 

    CityAverage 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 

    CityAverage 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

    Lauren Ward Contributing Writer

    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.

    Table Of Contents