The state of Florida is no different than other states that require drivers to be insured before they get behind the wheel of a vehicle. In the case of Florida, drivers pay the highest average premium in the nation, at $948 for the state’s minimum required coverage and $2,587 for full coverage. Although you may only be required to carry liability coverage, full coverage is always a recommended option.
This article will review your options for the cheapest car insurance in Florida and a comparison of the cost of coverage from various insurers.
Cheapest Auto Insurance in Florida
If you are considering state minimum coverage in Florida, Allstate and Direct General are the cheapest insurers. Both companies offer state minimum coverage for less than $1,500. Compared to other insurers who offer full coverage, State Farm and Geico are the cheapest insurers, with both offering premiums for less than $3,400.
|Provider||Full Coverage||State Minimum|
Cheap Car Insurance in Florida by City
In Florida, the cities with the cheapest state minimum liability coverage are Marianna, Bonifay and Chipley. The cities with the cheapest full cover are High Springs and Alachua.
Where you live matters because one factor insurers review when determining your insurance premium is location. Urban areas are known to have higher rates of accidents, theft, and vandalism compared to rural areas or small towns. This means that you could be stuck paying a higher premium if you live in an urban area.
30 cities with the cheapest insurance in Florida
|City||Full Coverage||State Minimum Liability Only|
|Santa Rosa Beach||$2,834||$1,090|
|Fort Walton Beach||$2,914||$1,223|
|Fort Myers Beach||$2,934||$1,312|
|San Carlos Park||$2,939||$1,320|
Cheapest Car Insurance Rates in Florida With a Prior Accident
The cheapest car insurance after an accident in Florida is State Farm, which also has the lowest increase in premium, followed closely by Geico.
In addition to location, insurers will also review your driving record when making a decision about your rate. A good driving record is one free of accidents, so if you have one accident on your record, you can expect a higher premium.
|Provider||No Accident*||1 Accident*||Difference|
Average Auto Insurance Premiums in Florida by Credit Score
If you have poor credit, Direct General would be your best option, since your premium would be the same as someone with good credit. For other companies, you can expect a difference of up to 37% between a driver with good credit and one with poor credit.
Your credit score can also affect your car insurance premium. Since this three-digit number gives insurers insight into your financial responsibility, it is an important and necessary piece of information. If you have a good credit score, that will help you get a lower premium, while bad credit will likely get you a higher premium.
|Provider||Good Credit||Poor Credit||Difference|
Florida Car Insurance FAQs
Compared to other insurers, both Allstate and Direct General have the cheapest car insurance in Florida when purchasing state minimum coverage. State Farm and Geico offer drivers the cheapest insurance in Florida when purchasing full coverage.
Florida has the highest average car insurance in the U.S. The average cost of full coverage car insurance in Florida is $2,587, while the average cost for state minimum liability coverage is $948.
Car Insurance Profile
To select the cheapest car insurance in Florida we used Coverage.com’s data, 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.