Florida car insurance costs are among the highest in the nation. In 2025, recent statewide analyses place typical averages around $1,150–$1,500 per year for minimum coverage and roughly $3,800–$4,800 for full coverage, depending on methodology and driver profile. See: Bankrate (2025), Forbes Advisor (2025), The Zebra (2025), ValuePenguin (2025), and NerdWallet (2025). Florida requires Personal Injury Protection (PIP) and Property Damage Liability (PDL); Bodily Injury liability is not required at the state minimum. Typical statutory minimums are $10,000 PIP and $10,000 PDL (see Bankrate’s Florida overview). Opting for full coverage is often recommended for broader protection. Rates remain elevated in 2025 due to loss-cost inflation (e.g., higher parts/labor and medical costs), complex/ADAS-equipped vehicle repairs, severe weather/comprehensive losses, Florida’s legal environment, and its PIP/no-fault system. For context, see BLS CPI (2024–2025), CCC Crash Course (2024), and Florida cost drivers cited by Bankrate and Forbes Advisor. This article provides insights into the cheapest car insurance options in Florida and compares costs from various insurers.
Cheapest Auto Insurance in Florida
Across multiple 2025 studies, State Farm and Geico frequently quote among the lowest premiums for good drivers, with USAA often the cheapest for eligible active/retired military and their families. Progressive is often competitive for higher-risk profiles or when telematics discounts apply, while Nationwide and Travelers can be price leaders in selected ZIP codes. Rankings vary by profile (young drivers, prior accidents, poor credit) and location; verify with live quotes. See: NerdWallet (cheapest companies), Forbes Advisor (cheapest companies), The Zebra (State of Auto Insurance), and Bankrate (Florida averages).
| Provider | Full Coverage | Minimum Coverage |
| State Farm | $3,900–$4,600 | $1,150–$1,350 |
| Geico | $3,900–$4,700 | $1,150–$1,400 |
| Allstate | $4,400–$5,200 | $1,300–$1,550 |
| Progressive | $4,200–$5,000 | $1,250–$1,500 |
| Direct General | $4,400–$5,300 | $1,350–$1,550 |
*Figures synthesize 2025 statewide averages and company patterns reported by Bankrate, Forbes Advisor, The Zebra, ValuePenguin, and NerdWallet. Actual prices vary by ZIP code, driver history, credit tier (where permitted), vehicle, and coverage selections.
Cheap Car Insurance in Florida by City
In 2025 comparisons, Gainesville and Tallahassee commonly rank among the least expensive larger Florida cities for full coverage, often about 15%–30% below Florida’s statewide average for comparable good-driver profiles, while South Florida metros (Miami–Hialeah/Fort Lauderdale) price materially higher. See city-level patterns in Bankrate (2025) and The Zebra (2025). Urban density, claim frequency/litigation, theft, and severe-weather exposure contribute to regional differences.
30 Cities with the Cheapest Insurance in Florida
| City | Full Coverage | Minimum Coverage |
| Santa Rosa Beach | $2,500 | $1,020 |
| Freeport | $2,520 | $1,030 |
| Defuniak Springs | $2,540 | $1,040 |
| Niceville | $2,520 | $1,050 |
| Alachua | $2,600 | $1,100 |
*City benchmarks are directional, synthesized from 2025 city comparisons: Gainesville typically ~$2,400–$2,800 (full) and ~$900–$1,200 (minimum); Tallahassee ~$2,500–$3,000 (full) and ~$950–$1,250 (minimum). Local quotes vary widely by ZIP code and profile. Sources: Bankrate (2025), The Zebra (2025).
Cheapest Car Insurance Rates in Florida With a Prior Accident
Across 2025 analyses, a single recent at-fault accident typically raises a full-coverage premium by about 40%–60%, with the exact impact varying by severity, insurer, and state rules. State Farm and Progressive often quote more competitively after a first at-fault crash; Geico and USAA (if eligible) may also be strong options depending on ZIP code and telematics discounts. See: Bankrate (2025), NerdWallet (2025), and The Zebra (2025).
Insurers evaluate driving records over an experience period; surcharges for chargeable at-fault crashes generally last about 3–5 years, while not-at-fault accidents are often excluded from surcharges. See NAIC Consumer Guide.
| Provider | No Accident | 1 Accident | Difference |
| State Farm | $4,200 | $5,880 | 40% |
| Geico | $4,300 | $6,020 | 40% |
| Allstate | $4,700 | $7,050 | 50% |
| Progressive | $4,600 | $7,360 | 60% |
| Direct General | $4,900 | $7,840 | 60% |
*2025 typical impact range based on cross-source studies: ~40%–60% after one recent at-fault crash; surcharges often last 3–5 years. Sources: Bankrate (2025), NerdWallet (2025), The Zebra (2025).
Average Auto Insurance Premiums in Florida by Credit Score
Credit-based insurance scores affect premiums in most states. Recent market analyses show drivers with poor credit often pay roughly 60%–110% more for auto insurance than those with excellent credit where credit use is permitted; three states (California, Hawaii, Massachusetts) prohibit credit for auto rating. See: Insurance Information Institute, Bankrate (credit and car insurance), and NAIC; also see the FTC report on predictiveness and consumer impacts.
As of 2025, Florida’s average full-coverage premium typically falls around $3,800–$4,800 per year for drivers with “good” credit, while minimum coverage averages roughly $1,150–$1,500; drivers with poor credit may price well above these ranges in Florida. Sources: Bankrate (2025), Forbes Advisor (2025), The Zebra (2025), ValuePenguin (2025), NerdWallet (2025).
Florida Car Insurance FAQs
Methodology
Reviews.com evaluates insurers on affordability, customer support, coverage options, customer satisfaction, and digital experience. Pricing context and rankings here synthesize multiple 2025 rate studies to reflect how averages differ by driver profile, vehicle, and coverage. We also consider market dynamics affecting 2025 pricing (e.g., elevated motor-vehicle-insurance CPI) to explain why quotes may be higher than prior years (BLS CPI).
Pricing references are drawn from 2025 updates by Bankrate, Forbes Advisor, The Zebra, ValuePenguin, and NerdWallet, generally modeling a 40-year-old male and female with a clean record. Figures are for comparative purposes only and will vary by carrier and ZIP code.
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
Minimum coverage limits meet state requirements. In Florida, this typically means $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL); Bodily Injury liability is not required at the state minimum. Our base-profile drivers own a 2019 Toyota Camry, commute five days a week, and drive about 12,000 miles annually. See Bankrate’s Florida guide for state coverage rules and averages.
Credit-Based Insurance Scores: Rates consider poor, average, good (base), and excellent credit tiers, where permitted. California, Hawaii, and Massachusetts prohibit use of credit for auto insurance. Learn more from the Insurance Information Institute and NAIC; see the FTC report on predictiveness and consumer impacts.
Incidents: Rates are evaluated with a clean record (base) and a single recent at-fault accident for comparison. Typical surcharges persist ~3–5 years depending on state and company; see NAIC Consumer Guide and 2025 rate-change analyses from Bankrate and NerdWallet.
