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Last updated on Sep 16, 2020

The Best Florida Car Insurance Companies

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    The best Florida car insurance companies offer reliable and top-rated customer service, along with the best coverage options at competitive prices. We found Allstate and State Farm to be the best Florida car insurance companies based on these factors. 

    Our top picks were based on customer satisfaction, financial strength, coverage options, discounts available, and annual premiums.

    The 4 Best Car Insurance Companies in Florida

    Allstate State Farm GEICO Progressive
    Our Review Our Review Our Review Our Review
    A.M. Best Financial Strength Rating A+ A A++ A+
    J.D. Power 2019 Overall Customer Satisfaction Score 5/5 3/5 3/5 2/5
    Average Annual Premium $1,983 $885 $1,045 $1,780

    Quadrant car insurance rate data as of 07/01/2019.

    Allstate


    Allstate
    Allstate


    Pros

    • Exceptionally high customer satisfaction ratings
    • Simplified claims process

    Cons

    • High annual premiums
    • Claims satisfaction guarantee not available in Florida

    Allstate is the highest-ranked insurance company for the state of Florida on the 2019 J.D. Power Overall Customer Satisfaction Study, receiving a perfect 5 out of 5 rating. Allstate makes it easy to file a claim 24/7, using its online claims processing system, mobile app, or toll-free phone number. You can even file a claim in person at any of the physical offices throughout the U.S. 

    The downside is Allstate’s higher-than-average annual premiums. To ensure an accurate estimate though, request a personalized quote online. Allstate also does not offer the claims satisfaction guarantee in Florida, although J.D. Power rankings indicate high overall satisfaction. 

    State Farm


    State Farm
    State Farm


    Pros

    • Comparatively low annual premiums
    • Great for rideshare drivers

    Cons

    • Fewer discounts than competitors
    • No accident forgiveness

    State Farm offers competitive annual premiums in Florida, in addition to competitively priced rideshare coverage for all the Uber and Lyft drivers out there.

    While State Farm offers standard discounts (such as safe driver discounts and multi-vehicle discounts), it doesn’t offer as many discounts as competitors like Allstate (which includes discounts for things like making payments on time and paying premiums in full). State Farm also lacks an accident forgiveness feature, so you’re not protected against increased premiums following an accident.

    GEICO


    Geico

    Pros

    • Financial strength
    • Auto Repair Xpress for quick, convenient repairs

    Cons

    • Mediocre customer service
    • No discounts for hybrid/electric cars

    GEICO is the only Florida car insurance provider on our list to have an A++ financial strength rating with A.M. Best. This means you can be confident that GEICO has the means to complete payouts as expected. And with Auto Repair Xpress, the process of getting your car repaired after an incident is as quick and convenient as possible.

    However, despite the 4.5-star rating on the GEICO website, GEICO ranks just below average on the 2019 J.D. Power Overall Customer Satisfaction Study 

    Progressive


    Progressive
    Progressive


    Pros

    • Useful add-ons
    • Over 30 types of insurance coverage

    Cons

    • Higher-than-average annual premiums
    • Comparatively low customer satisfaction ratings

    A well-known name in auto insurance, Progressive offers useful add-ons, such as rental car coverage, roadside assistance, and gap coverage.

    Perhaps surprisingly, Progressive is among the more expensive providers in Florida. And despite the comparatively high cost, Progressive customers report lower levels of satisfaction, earning a rating of just 2 out of 5 on the 2019 J.D. Power Overall Customer Satisfaction Study.

    The Cheapest Car Insurance Companies in Florida

    Car Insurance CompaniesAverage Annual Premium
    Metropolitan P&C$655
    State Farm$886
    GEICO$1,046
    Direct General$1,676
    Progressive$1,781
    Allstate$1,983
    Average Across Carriers$1,435
    Credit Rating TierAverage Annual Premium
    Poor$2,590
    Below Fair$2,121
    Fair$1,815
    Average$1,661
    Good$1,495
    Excellent$1,214
    Average Across Credit Rating Tiers$2,007

    Quadrant car insurance rate data as of 07/01/2019.

    These rates are a sample set meant only for general comparison. Your own premium will vary. Learn how we tested rates for the cheapest car insurance companies below.

    Top 3 Cheapest Car Insurance Companies in Florida

    • Metropolitan Insurance – $654
    • State Farm – $885
    • GEICO – $1,045

    Top 3 Most Expensive Car Insurance Companies in Florida

    • Allstate – $1,983
    • Progressive – $1,780
    • Direct General – $1,675

    Metropolitan Insurance (more commonly known as MetLife), State Farm, and GEICO are among the cheapest car insurance companies in Florida. Allstate, Progressive, and Direct General are among the most expensive car insurance companies in Florida. 

    Compared to other states, Florida insurance requirements are minimal. You might think minimal coverage requirements would lead to lower rates, but the opposite is happening. Because so many drivers in Florida are effectively underinsured, insurance companies have to increase premiums for everyone to cover costs. 

    The finicky Florida weather also adds to the cost of insurance. With car owners regularly driving through wind and rain, there are naturally more accidents, requiring higher premiums. For these reasons, Florida has the third-highest auto insurance premiums in the country.

    The figures used to calculate the cheapest and most expensive insurers are based on general profiles. Your quote could vary greatly based on factors like age, driving history, location, credit score, and coverage selections. For more accurate estimates, specific to your unique circumstances, request personalized quotes from each provider. 

    Guide to Florida Car Insurance

    Florida Minimum Car Insurance Requirements

    Only two types of auto insurance are required in Florida. The first is Personal Injury Protection (PIP), which automatically pays up to 80% of any medical expenses for you and your passengers after a crash. The second is Personal Damage Liability (PDL), which covers damage to other people’s property if you’re at fault. 

    All vehicles registered in Florida are required to have a minimum of $10,000 in PIP, plus a minimum of $10,000 in PDL, according to the FLHSMV. Florida is a no-fault state, which means your insurance pays your claims even if the accident is your fault. 

    Don’t Settle for the Minimum

    Coverage minimums keep you from being fined for failure to meet insurance requirements, but this coverage is probably not enough to protect you against a financial loss in the event of a serious accident.

    For example, Florida doesn’t require Bodily Injury Liability (BIL) coverage. So if you cause injury to another driver and that person’s medical bills cost more than the amount covered by their own PIP, you’ll have to pay the remainder of his medical bills out of pocket if you only have the minimum required insurance.

    It’s generally a good idea to purchase as much insurance coverage as you can reasonably afford. Invest some time in getting insurance quotes for more coverage than the Florida minimum.

    How We Found the Best Florida Car Insurance Companies

    To find the best Florida car insurance companies, we started with the most popular providers and then looked at relevant factors like customer satisfaction, financial strength, coverage options, discounts available, and annual premiums. 

    We worked with Quadrant Information Services to provide data on auto insurance rates by company and credit score. Quadrant makes this information available using rate data insurers that are required to file with the state Department of Insurance. Rates are based on sample profiles created by Reviews.com for comparative purposes.  

    Florida Car Insurance Companies FAQ

    Is driving without auto insurance illegal in Florida?

    Yes, it’s illegal to drive in Florida without at least minimum liability insurance. Keep in mind that minimum coverage may not be fully adequate in the event of an accident. 

    What is the required car insurance in Florida?

    All vehicles registered in Florida are required to have a minimum of $10,000 in PIP, plus a minimum of $10,000 in PDL, according to the FLHSMV.

    Are there any Florida auto insurance companies for military personnel?

    While many auto insurance companies in Florida offer discounts to members of the military community, there’s one provider that specializes in serving military personnel. If you or someone in your family is an active member of the military or a veteran, consider USAA.

    What is a no-fault state? Is Florida a no-fault state?

    A no-fault state is a state in which your insurance company, regardless of who was at fault, pays the claims. Florida is one of only 12 no-fault states.

    About the Authors

    Michelle Clardie

    Michelle Clardie Contributing Writer

    Michelle Clardie has an MBA in management and strategy, and has worked in real estate. Her work has been featured on sites like Yahoo! News and Inman.

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