Here are CheapInsurance.com’s top picks for the cheapest car insurance in Florida
Car insurance in Florida is a must if you’re planning to own and drive a vehicle in the sunshine state. However, prices for auto insurance vary between insurance companies and you can end up paying a lot more each month for insurance.
This is why we’ve conducted research into car insurance prices for the five largest counties by population in Florida and looked at the costs of auto insurance policies for Florida drivers.
Read our guide to learn what you can expect to pay for different types of auto insurance in Florida, and how to find the best affordable car insurance.
Sunshine & Updates: Navigating Florida Roads & Insurance in 2024
Get ready to cruise the Sunshine State with these essential updates for 2024:
Florida Vehicle Code Changes:
- Texting while driving ban expands: As of October 1st, 2024, sending or receiving text messages while driving becomes illegal, even with a hands-free device. (Source: Florida Senate Bill 396)
- Increased penalties for driving without insurance: Expect harsher fines and potential vehicle impoundment for driving without valid auto insurance. (Source: Florida Statute 627.728)
- Updated motorcycle lane splitting regulations: Clarification on allowed lane positioning and speed differences for motorcycles in slow-moving traffic. (Source: Florida Department of Highway Safety and Motor Vehicles)
Reported Monthly Auto Insurance Rates in Florida (2024):
(Sources: Policygenius, NerdWallet)
Company | Minimum Coverage | Full Coverage |
State Farm | $237 | $560 |
Geico | $222 | $495 |
Progressive | $244 | $487 |
Nationwide | $259 | $541 |
Farmers | $289 | $612 |
Remember: Florida has some of the nation’s highest vehicle insurance rates due to factors like hurricanes, fraud, and uninsured drivers. Individual rates can vary significantly based on driving history, location, and vehicle type.
Cheapest Minimum Liability Car Insurance in Florida
Minimum liability car insurance is the least amount of insurance you need to have according to Florida’s state laws. These plans are for the lowest car insurance rates Florida drivers can buy but they only cover personal injury protection (PIP) and property damage liability (PDL).
Based on our research, we found that the average cost of minimum car insurance in Florida was around $2,072 per year and $173 per month.
The best inexpensive car insurance option we found in 2023 was from GEICO, with a quote of $58 per month for minimum liability coverage. Another strong contender was State Farm with average monthly rates of $114.
| Provider | Average Monthly Price | Monthly Price in Miami-Dade County | Monthly Cost in Broward County | Monthly cost in Palm Beach County | Monthly cost in Hillsborough County | Monthly cost in Orange County |
| GEICO | $58 | $53 | $99 | $40 | $54 | $46 |
| State Farm | $114 | $120 | $117.58 | $118.33 | $110 | $105 |
| Progressive | $217.92 | $79.66 | $214.83 | $240 | $245 | $310.10 |
| Allstate | $229.74 | $279.89 | $210 | $200 | $243 | $215.80 |
Key Point: Does Minimum Liability Insurance or Minimum Coverage Vary from State to State?
Yes, every state has its own laws regarding minimum liability insurance. Every four-wheeled vehicle needs to have car insurance in Florida before you can legally drive it.
Florida has one of the lowest minimum liability insurance requirements in the U.S.,
and you’ll need to have at least $10,000 in personal injury protection (PIP) and property damage liability (PDL) insurance.
Affordable Full Coverage Car Insurance in Florida
Full coverage car insurance is more expensive than minimum liability insurance. However, as the name suggests, it offers more insurance coverage options.
A full coverage auto insurance policy will cover damages caused by accidents to other vehicles as well as your own.
In Florida, the most affordable full coverage car insurance we found was offered by Direct Auto for an average monthly premium of $228.
Here are some of our other top picks for the cheapest full coverage car insurance in Florida from 2023:
| Provider | Average Monthly Price | Monthly Price in Miami-Dade County | Monthly Cost in Broward County | Monthly cost in Palm Beach County | Monthly cost in Hillsborough County | Monthly cost in Orange County |
| GEICO | $228 | $195 | $208.33 | $200 | $185 | $350.20 |
| State Farm | $234.91 | $347.25 | $199 | $215 | $250 | $163.30 |
| Allstate | $329.00 | $388.01 | $301 | $290.80 | $315 | $350.20 |
| Progressive | $381 | $245 | $450.83 | $585.83 | $320.17 | $301 |
| Direct Auto | $422.43 | $719.95 | $462 | $340 | $362.19 | $228 |
Key Point: How Can I Lower My Car Insurance Rates for Full Coverage Insurance?
There are a couple of ways that you can ensure cheap auto insurance.
- Most insurance companies offer a bundling option, which allows you to combine your auto insurance with other products such as home insurance, life insurance, and other car insurance policies you have.
- Another option is to increase your auto insurance deductible. This is the amount of money you would have to pay out-of-pocket before your insurance would kick in. By increasing your deductible, you are essentially taking on more risk, but you can save significantly on your monthly premium.
Cheapest Automobile Insurance for Bad Drivers (DUI, Traffic Ticket) in Florida
Unfortunately, people who don’t have a clean driving history will pay more for automobile insurance, and depending on your record you might have to pay up to double the normal price for people in your age group.
Some common reasons that cause people to be labeled as bad drivers include:
- Speeding tickets
- At-fault accidents
- DUI/ DWI
Our research found that GEICO offered the most affordable car insurance for a person with a bad driving history in Florida, with an average monthly car insurance premium of $261. Here are more car insurance quotes in Florida:
| Provider | Average Monthly Price | Monthly Price in Miami-Dade County | Monthly Cost in Broward County | Monthly cost in Palm Beach County | Monthly cost in Hillsborough County | Monthly cost in Orange County |
| GEICO | $261 | $258 | $215 | $320 | $245 | $265.70 |
| Progressive | $305.88 | $322.50 | $217.04 | $360.01 | $287.17 | $342.67 |
| State Farm | $313 | $418 | $215 | $410 | $200 | $320 |
| Allstate | $335.17 | $330.40 | $326.87 | $340.70 | $349.69 | $328.20 |
| The General | $418.98 | $504.97 | $444.24 | $382.03 | $290.03 | $473.65 |
Cheapest Auto Insurance for Good Drivers (Clean Driving Records) in Florida
A clean driving record can make a big impact on the amount you pay for car insurance. Insurance companies will look at your driving record for the last five years and check for traffic violations such as DUIs, speeding tickets, or SR-22 filings. This can secure you inexpensive auto insurance.
Our research found the most affordable auto insurance for good drivers to be from GEICO, charging an average of $135 per month across the five areas we’ve looked at. The car insurance company that achieved a strong second place was State Farm with an average monthly premium of $177.
| Provider | Average Monthly Price | Monthly Price in Miami-Dade County | Monthly Cost in Broward County | Monthly cost in Palm Beach County | Monthly cost in Hillsborough County | Monthly cost in Orange County |
| GEICO | $135 | $180 | $196 | $120 | $99 | $80 |
| State Farm | $177 | $260 | $117.58 | $220 | $187 | $100 |
| Progressive | $193 | $245 | $214.83 | $240 | $153.51 | $113.17 |
| Allstate | $254.21 | $296.05 | $201 | $256 | $220 | $298 |
| The General | $295 | N/A | N/A | $369.05 | $267.53 | $248.41 |
Inexpensive Car Insurance for Young Drivers in Florida
Young drivers will generally pay more for car insurance, because statistically they are considered a higher risk for auto insurance companies.
The average cost of insurance for a young driver according to our research was around $1,975 per year. This is approximately $320 more than an adult driver, who would pay $1,655 for car insurance.
Automobile insurance companies consider anyone between the ages of 16 and 25 as a young driver, and they charge higher premiums on insurance for teenagers compared to people in their twenties.
Here’s a breakdown of the cheapest auto insurance quotes for young Florida drivers in the five most populated counties in Florida.
| Provider | Average Monthly Price | Monthly Price in Miami-Dade County | Monthly Cost in Broward County | Monthly cost in Palm Beach County | Monthly cost in Hillsborough County | Monthly cost in Orange County |
| Progressive | $693.40 | $820 | $645 | $690 | $598 | $714 |
| Geico | $321 | $355 | $290 | $300 | $340 | $320 |
| Allstate | $369.42 | $317.66 | $299.23 | $599.20 | $315.50 | $315.50 |
| State Farm | $550 | $650 | $605 | $570 | $445 | $480 |
Key Point: What Does “No-Fault” Liability Mean?
No-Fault Liability is an insurance principle that states that each party must pay for damage to their own vehicles, regardless of who caused the accident.
With Fault Liability, the person who is responsible for causing an accident is responsible for the costs of repairs. This means you’ll need to get enough coverage to ensure that your car can be repaired or replaced if you’re involved in an accident.
Florida is one of 12 states in the U.S. that follows the No-Fault Liability principle. The others are Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.
Cheap Car Insurance Companies in Other States
If you’re looking for cheap auto insurance for other states, take a look at our other guides to find the best car insurance options. You can also use our auto insurancequote finderto find specific quotes in your county.
Texas
California
New York
Top Car Insurance Companies in Florida
1. GEICO
GEICO is a leading U.S. car insurance company that offers a wide range of car insurance coverage options, including liability, collision, and comprehensive coverage.
In addition to car insurance, GEICO also provides homeowners insurance, renters insurance, and life insurance. With over 18 million auto policyholders, GEICO is a popular choice for those looking for car insurance.
Better Business Bureau (BBB) Rating: A+
2. State Farm
State Farm is one of the most trusted car insurance providers in the U.S. With more than 80 years of experience and a commitment to customer service, State Farm has become one of the leading names in auto insurance.
Their wide range of offerings includes car insurance, home insurance, life insurance, and even health insurance.
Better Business Bureau (BBB) Rating: A+
3. Progressive
If you are looking for an auto insurance company with a long history and many different coverage options, Progressive may be the right choice for you.
The company was founded in 1937 and has since become one of the largest insurers in the U.S. that offers automobile insurance coverage.
Progressive offers both business liability and vehicle insurance and has around 18 million customers.
Better Business Bureau (BBB) Rating: A+
4. Allstate
Allstate has been in the insurance industry since 1931 and remains one of America’s most trusted insurers. They provide auto, home, and term life insurance to customers who want simple policies, affordable rates, and excellent service.
Better Business Bureau (BBB) Rating: A+
5. The General
The General is an auto insurance provider that operates in multiple states across the U.S. The company was originally founded in 1963 and specializes in car insurance for high-risk drivers and SR-22 insurance plans.
Better Business Bureau (BBB) Rating: A+
Average Car Insurance Costs in Different Parts of Florida
Car insurance providers calculate car insurance rates depending on a variety of factors, one of which is the vehicle’s location.
Here are the average annual prices for auto insurance within some of the largest Florida cities:
| City | Monthly Price |
| Jacksonville | $2,230 |
| Miami | $3,314 |
| Orlando | $2,405 |
| Tampa | $3,027 |
| Tallahassee | $2,043 |
| St. Petersburg | $2,662 |
| Hialeah | $3,405 |
| Naples | $1,947 |
| West Palm Beach | $3,101 |
| Ocala | $1,993 |
| Average Cost | $2,613 |
Tips for Choosing Auto Insurance in Florida
Licensing:Make sure that the insurance company you’re working with is licensed to do business in the state of Florida. You can check this easily enough by visiting the Florida Office of Insurance Regulation’s website.
Costs and benefits:Monthly auto insurance rates are a big consideration when choosing car insurance. Along with the cost of your car insurance premiums, you should also look at the benefits and coverage that companies will offer you.
In some cases, if you have other policies with the same insurance company, you may be able to get a discounted car insurance rate by bundling them on your car insurance policy. This helps with finding low priced car insurance.
Figure out how much coverage you need:When going over your insurance options, it’s important to figure out what you’d like to insure your car against. In some cases, if you have a vehicle that is worth less than $4000, you might need minimum liability coverage. However, if you’ve bought a new vehicle, you’ll want to consider affordable full coverage auto insurance.
Futurefinancial stability:It’s important to do research on the company you’re going to buy insurance through. You can also speak to a licensed insurance agent or broker to get an informed opinion about your preferred insurance company.
Florida Car Insurance FAQs
What is considered full coverage car insurance in Florida?
In Florida, minimum liability insurance is required by law. However, many drivers choose to purchase additional coverage beyond the state minimum. This is what’s known as full coverage auto insurance, which includes bodily injury liability, as well as comprehensive and collision coverage.
Do I need a Florida driver’s license to register a car in Florida?
Yes, to register a car in the state of Florida, you must have a valid driver’s license from the state. You will also need to show proof of car insurance. If you do not have a Florida driver’s license, you can get a temporary one. However, you will have only 30 days to get a permanent license.
Can I register a car in Florida with an out-of-state license?
Yes, you can register a car in Florida with an out-of-state driver’s license as long as you have auto insurance that meets the state’s minimum requirements.
To register your car, you will need to provide proof of automobile insurance, your current driver’s license, and your car’s title or registration papers. You may also need to provide additional information depending on the specific requirements of your local DMV office.
Does Florida require stacked insurance?
In the state of Florida, car insurance companies are not required to offer stacked insurance coverage. These policies allow policyholders to increase the amount of coverage they have in the event of an accident.
However, many insurers do offer this coverage as an option, and it can be a valuable form of protection for drivers.
What is the minimum personal injury protection (PIP) coverage in Florida?
The minimum amount of PIP coverage that car insurance companies must offer in Florida is $10,000. PIP coverage helps to pay for medical expenses and lost wages if you are injured in a car accident, regardless of who is at fault. In the state of Florida, car insurance companies must include personal injury protection (PIP) coverage as part of their standard car insurance policies.
