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The Best Florida Car Insurance Companies

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    Residents of the Sunshine State pay the most expensive auto insurance in the U.S. To find the best car insurance in Florida, drivers will need to compare coverages to try to find the most competitive price on top of looking for reliable and top-rated customer service.

    Our team compared customer satisfaction, financial strength, coverage options, discounts available, and annual premiums to come up with Florida’s best car insurance companies. Three of our favorite providers for the state also made it to our list of the best car insurance companies in the nation.

    The 4 Best Car Insurance Companies in Florida

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score A.M. Best Financial Strength J.D. Power Overall Customer Satisfaction
    Pin State Farm$1,619.43$3,028.124.4/5A++826/1,000
    Pin Geico$1,519.70$3,320.984.4/5A++846/1,000
    Pin Progressive$2,142.69$3,387.064.4/5A+834/1,000
    Pin Allstate$1,360.78$3,482.794.6/5A+851/1,000

    Information accurate as of 10/21/2020 *Data provided by Coverage.com

    State Farm

    Best for Customer Service

    Why we chose it

    State Farm offers great customer service with nearly 19,000 agents and plenty of online support options.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,619* 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

    State Farm offers great customer service with nearly 19,000 agents and plenty of online support options.

    Pros

    • Impressive financial strength
    • High claims satisfaction ratings
    • Great discounts

    Cons

    • Expensive policies
    • Fewer add-on coverage options than competitors
    • No accident forgiveness
    Read More

    Types of Coverage Offered

    • Rental car and travel expenses 
    • Roadside assistance
    • Rideshare driver

    Discounts Available

    • Policy bundling 
    • Accident-free 
    • Defensive driving course 
    • Student away at school 
    • Good driver 
    • Driving training 
    • Good student 
    • Vehicle safety 
    • Passive restraint 
    • Anti-theft device
    • Multi-vehicle

    *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.

    Further Reading on State Farm:

    Geico

    Best for Affordable Policies

    Why we chose it

    Geico is known for offering cheap car insurance policies, even for high-risk drivers and drivers with poor credit.
    • 4.4 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

    Geico is known for offering cheap car insurance policies, even for high-risk drivers and drivers with poor credit.

    Pros

    • Low-priced policies and good discounts
    • Above average customer service
    • Strong financial ratings
    • Fast and convenient auto repairs

    Cons

    • No discounts for hybrid/electric cars
    • Coverage might be subject to affiliated and non-affiliated companies
    • Does not offer gap insurance
    Read More

    Types of Coverage Offered

    • Personal injury protection 
    • Roadside assistance 
    • Rental car reimbursement 
    • Mechanical breakdown
    • Medical coverage 
    • Uninsured motorist
    • Collision
    • Comprehensive

    Discounts Available

    • Vehicle safety features (airbags, anti-lock brakes, anti-theft system and daytime lights) 
    • New vehicle 
    • Good driver 
    • Seat belt use 
    • Defensive driving course 
    • Driver education course 
    • Good student
    • Emergency deployment 
    • Federal employee 
    • Employee membership 
    • Military 
    • Multi-vehicle
    • Multi-policy

    * 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.

    Progressive

    Best for Discounts

    Why we chose it

    Progressive offers a long list of discounts that can help drivers lower their auto insurance premiums.
    • 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 long list of discounts that can help drivers lower their auto insurance premiums.

    Pros

    • Great discounts
    • Fast and efficient claims handling
    • Variety of add-on policies for customization

    Cons

    • Average customer service ratings
    • Some discounts not offered in certain states
    Read More

    Types of Coverage Offered

    • Roadside assistance 
    • Gap insurance 
    • Rental car reimbursement 
    • Custom parts and equipment
    • Rideshare coverage 
    • Deductible savings bank

    Discounts Available

    • Multi-policy 
    • Multi-vehicle 
    • Continuous insurance 
    • Snapshot program 
    • Teen driver 
    • Good student 
    • Distant student 
    • Homeowner
    • Online quote 
    • Sign online 
    • Paperless billing 
    • Pay in full 
    • AutoPay

    * 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.

    Further Reading on Progressive:

    Allstate

    Best for Wide Coverage

    Why we chose it

    Allstate car insurance offers an ample variety of coverage to ensure customers get the protection they need.
    • 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

    Allstate car insurance offers an ample variety of coverage to ensure customers get the protection they need.

    Pros

    • Streamlined claims process
    • Strong online policy management and learning materials
    • 24/7 claims center
    • Drivewise program

    Cons

    • Claims satisfaction guarantee not available in Florida
    • Missing some common discounts
    Read More

    Types of Coverage Offered

    • Collision 
    • Comprehensive
    • Liability 
    • Medical payments
    • Personal injury protection 
    • Personal umbrella policy 
    • Rental reimbursement coverage 
    • Roadside coverage 
    • Sound system insurance
    • Uninsured and underinsured motorist coverage

    Discounts available

    • Anti-lock brake discount 
    • Anti-theft device discount 
    • Automatic withdrawal discount 
    • Early signing discount 
    • Full-pay discount 
    • Multi-policy discount 
    • New car discount 
    • Paperless discount 
    • Responsible payer discount 
    • Safe driver discount 
    • Smart student discount

    * 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.

    Further Reading on Allstate:

    The average cost of car insurance in Florida

    Florida has the most expensive average cost for auto insurance in the United States, according to Coverage.com. While the national average a driver pays is $1,555 for full coverage insurance, Florida drivers’ average rates are $2,587. The main reason why Floridians have higher rates is that this state is prone to natural disasters like hurricanes and floods, so auto insurance claims are more likely to happen. With car owners regularly driving through wind and rain, there are naturally more accidents, requiring higher premiums.

    At the same time, Florida insurance requirements are minimal, so you might think it would lead to lower rates. But the fact is that many drivers in this state are effectively underinsured, which leads insurance companies to increase premiums for everyone. Individual factors like driving history, age, gender, location and credit score could impact your car insurance premiums, for more accurate estimates, you will need to compare quotes.

    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.

    Top 3 Most Expensive Car Insurance Companies in Florida

    CompanyAverage Annual Premium*
    Progressive$2,142.69
    Metropolitan Insurance $1,887.56
    State Farm $1,639.15

    * 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*
    Westview$2,357.90
    North Miami Beach  $2,347.01 
    Sweetwater $2,322.27 

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

    Guide to Florida Car Insurance 

    Living in Florida does come with a price, not only is this state prone to natural disasters, but it has the most expensive car insurance across all the United States. In an annual study on the states with the worst drivers, Florida came in fourth place in 2019. The study also states that just 73.30% of drivers in this state have car insurance, the lowest rate in the nation. 

    Although all vehicles are required to have a minimum insurance policy, the reality is that more than 26% of drivers in the state are uninsured. We remind you that it is essential that you, as a driver, get the right coverage for your belongings. If you want to learn more about Florida insurance requirements, we recommend visiting the Florida Highway Safety and Motor Vehicles official website.

    Key things to know about car insurance in Florida

    • In the state of Florida, you will need to have continuous coverage even if the vehicle is not being driven or if it is inoperable. If you want to cancel your insurance, you will need to surrender the license plate/tag before doing so.
    • If you are driving in weather conditions like rain, smoke or fog are happening, you must turn on your headlights.
    • According to the Florida Highway Safety and Motor Vehicles Department, in 2019, Florida had more than 400,000 car crashes, leading to 254,472 injuries and 3,262 fatalities from all crashes.
    • Florida is one of the last states to enact a no-texting and driving law.

    Car Insurance Add-Ons That Will Further Protect You 

    Coverage minimums keep you from being fined for failure to meet insurance requirements. Still, this coverage is probably not enough to protect you against a financial loss in the event of a severe accident. 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. Here are some add-ons we recommend:

    • Bodily injury liability coverage: It usually has two coverage limits, a per-person limit and a per-accident limit. The first one applies to each person injured in an accident and their medical expenses. The per-accident limit coverage applies to each party involved in the accident, with costs up to the combined quantity of your liability.
    • Optional basic economic loss (OBEL): In addition to the basic no-fault coverage, you can have this add-on to provide an extra amount for expenses on top of your coverage limit.
    • Uninsured motorist coverage: If an uninsured motorist caused an accident, this protection pays for injuries caused to you or your passengers.
    • Collision coverage: This coverage reimburses damages caused to your vehicle from impacting another car or object.
    • Comprehensive coverage: With this extra coverage, you will be covered if your car is stolen or damaged by hitting an animal, hail or vandalism. 
    • Medical payments: Should an accident happen, this coverage reimburses medical or funeral expenses, no matter which party was responsible for it.

    Florida Minimum Insurance Requirements

    The state of Florida only requires two types of auto coverage. The first is personal injury protection (PIP), covering up to 80% of any medical expenses you and your passengers have to pay after a crash. The second one is known as personal damage liability (PDL) and covers damages of other people’s property if you are at fault. 

    Minimum liability required in the state of Florida is divided as follows:

    • $10,000 in personal injury protection
    • $10,000 in property damage liability

    Florida’s No-Fault Law 

    Florida is one of the 12 no-fault states, which means that your insurance company will pay for the claims made if an accident happens regardless of who was at fault. The reimbursement that your insurer will payout includes medical costs and other losses after the accident.

    Florida Car Insurance Companies 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, based on the profiles of 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

    Nina Rodríguez-Quirós

    Nina Rodríguez-Quirós Feature Writer

    Nina Rodríguez-Quirós is a feature writer for Reviews.com. Over the last year, she has covered insurance providers, claims handling, coverage and more. She has been featured in Allconnect.com and holds a Master’s Degree in Theory and Research of Communications from the University of Puerto Rico. Her favorite review is Millennials and Auto Insurance.

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