Cheapest Car Insurance in Florida

Florida car insurance rates average $101 for minimum liability coverage and $243 monthly for full coverage. These rates are higher than most U.S. states, primarily due to weather risks and high uninsured driver rates. To get the best deals and most competitive pricing, compare the cheapest monthly car insurance coverage from Florida insurers below based on your age and driving history:

Cheapest in Florida by coverage type

• Full coverage: Travelers, $109
• Minimum coverage: Travelers, $50

Cheapest by driver age

• Teen drivers (16): GEICO, $168
• Young drivers (20): Travelers, $91
• Seniors (65+): Travelers, $69

Cheapest by driving record and credit score

• Speeding ticket: Travelers, $65
• At-fault accident: Travelers, $69
• DUI: State Farm, $68
• Bad credit: GEICO, $87

Cheapest Florida rates analysis refreshed on December 2nd, 2025

Travelers has the cheapest minimum liability coverage car insurance in Florida at $50 monthly or $600 annually, 23% below the state average for reduced premiums. GEICO offers the second-lowest rate at $53 per month, followed by State Farm at $57, which are both below the state average for liability coverage and deliver significant savings.

The least expensive coverage you can buy in Florida is minimum liability coverage. Florida requires $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Florida has low minimum liability requirements compared to most states, resulting in cheaper rates for this coverage type and more budget-friendly options for cost-conscious drivers.  Almost all drivers should consider higher liability coverage of 50/100/50 or 100/300/100 to protect them in the case of an at-fault accident.

See our guide to how much car insurance you need.

Travelers has the cheapest full coverage car insurance in Florida at $109 monthly or $1,284 annually. That's 27% below Florida's average cost for full coverage and represents the most affordable comprehensive protection available. State Farm has the second least expensive option at $124 monthly, saving you 14% or approximately $240 annually on reduced premiums. UAIC is an affordable regional insurer at $136 monthly and is also below the state's average cost, providing budget-friendly alternatives.

Should you buy cheaper minimum liability or full coverage in Florida? Full coverage adds collision and comprehensive protection to your liability coverage. Collision covers damage to your car when you cause an accident or hit an object. Comprehensive covers repair or replacement costs from Florida's weather risks and theft which is valuable coverage given the state's frequent storms and high theft rates. If you finance or lease your car in Florida, full coverage is required, though you can still find affordable options across multiple insurers.

Car insurance rates in Florida vary a lot by city. Minimum coverage ranges from $46 monthly in Cape Coral to $118 in Pompano Beach. Full coverage ranges from $99 monthly in Cape Coral to $238 in Pompano Beach. Travelers, State Farm and GEICO have the cheapest car insurance rates across most Florida cities and offer the lowest rates in your area. Choosing the most affordable provider will save you up to 55%, depending on where you live.

For 16-year-olds, GEICO has the cheapest minimum coverage rates in Florida at $168 monthly, and State Farm has the lowest full coverage rate at $472 and is the most affordable options for teen drivers. At age 20, Travelers has the lowest monthly cost for minimum ($91) and full coverage ($207), offering budget-friendly protection. By age 25, rates drop significantly, with Travelers being the least expensive option at $54 monthly for minimum and $120 for full coverage.

Teen drivers pay among the highest insurance rates nationally, and when combined with Florida's high insurance costs, finding affordable coverage can be challenging. Teens can save on car insurance by staying on a family plan, qualifying for good student discounts, and choosing a car that's less expensive to insure.

For 65-year-old drivers in Florida, Travelers has the cheapest minimum coverage at $69 monthly and the most affordable full coverage at $151. The lowest rates at age 80 are with Travelers at $64 monthly for minimum coverage and $139 for full coverage. At age 90, rates increase as drivers have a higher accident risk, with UAIC offering the most affordable full coverage at $161 monthly, though Travelers remains competitive for budget-conscious seniors seeking minimum coverage.

Seniors have lower rates than most demographics, but rates start to increase for drivers over 70. Seniors in Florida can lower their rates by reducing their mileage estimates and by taking advantage of senior and defensive driver discounts to save even more.

State Farm has the cheapest car insurance for drivers with a DUI in Florida at $68 monthly for minimum coverage and $147 for full coverage. Travelers is a low-cost alternative at $77 monthly for minimum coverage.

After a DUI conviction in Florida, you will need to file an SR-22 for three years and your rates will increase at least double, but shopping around with insurers who specialize in high-risk and SR-22 drivers can help you find more affordable rates than standard insurers. Completing an approved DUI education program or substance abuse treatment may qualify you for discounts that offset some of the rate increase.

Travelers has the cheapest Florida car insurance after an at-fault accident at $69 monthly for minimum coverage and $151 for full coverage. State Farm is the second least expensive option at $73 monthly for minimum and $156 for full coverage. GEICO also has low rates at $89 monthly for minimum coverage and $291 for full coverage.

After an accident, your rates will increase, but you can still save by shopping around with multiple insurers, as many weigh accidents differently and offer varying rates. You can also increase your deductible, take a defensive driving course for a discount, bundle policies, and maintain good credit to help offset the accident-related increase.

Travelers offers the cheapest rates with a speeding ticket in Florida at $65 monthly for minimum coverage. Metropolitan ($66) and State Farm ($68) are also affordable options. Choosing the cheapest provider saves you up to 47% compared to state averages.

There are lesser-know rules in Florida that help you lower your car insurance rates if you get a ticket. Florida allows drivers to take an approved traffic school course to have a ticket dismissed and prevent points from appearing on their driving record, which keeps your insurance rates from increasing. You can also reduce existing points by completing a defensive driving course once every 12 months.

GEICO has the cheapest car insurance for drivers with bad credit in Florida at $87 monthly for minimum coverage. Travelers ($91) and Metropolitan ($92) offer the next least expensive rates. 

Poor credit will double your insurance cost compared to drivers with good credit, since Florida allows insurers to use credit-based insurance scores when setting rates. Drivers can reduce rates by up to 38% compared to the state average by choosing the cheapest provider.

Our insurance experts answer common questions about finding the most affordable car insurance coverage in Florida.

We gathered auto insurance data from the Florida Office of Insurance Regulation and analyzed quotes from major insurers across all residential ZIP codes. Our analysis included more than 52 million rate comparisons to find the cheapest options for different driver profiles, coverage types and demographics.

For detailed information on our research methodology, see our car insurance methodology guide.