The Best Car Insurance in Florida for 2022

The best car insurers balance customer satisfaction, affordability and financial stability. Based on these considerations, the top car insurance company in Florida is GEICO. It ranked first in affordability, tied first in financial stability and tied second in customer satisfaction.

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Last Updated: 5/12/2022
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While GEICO is the best auto insurance company in Florida overall, the top option for you will depend on your own unique circumstances and the type of coverage you’re looking for. MoneyGeek analyzed insurance providers based on customer service, cost of insurance and other considerations.

If you want to find the most affordable insurance coverage, regardless of the quality of customer service, MoneyGeek also evaluated the cheapest car insurance companies in Florida.

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The Best Car Insurance in Florida

Best Car Insurance Companies in Florida: Overall

To determine the top car insurance companies in Florida, MoneyGeek evaluated average cost, claims ratings and user satisfaction.

The best car insurance providers in the state based on these scores are:

  • GEICO: MoneyGeek score of 4.1 out of 5
  • State Farm: MoneyGeek score of 3.5 out of 5

USAA also received top ranking, with a MoneyGeek score of 5 out of 5. It was excluded from the analysis because only active-duty military members, veterans and their families are qualified for USAA policies. However, it is the best car insurance in Florida for active-duty military or veterans.

The Top 5 Car Insurance Companies in Florida

1
GEICO
Score:4.1

3.9/5

Affordability

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

With an average cost of $1,337 per year, GEICO ranked first among Florida auto insurance companies for affordability. It also tied second for satisfaction and claims. GEICO offers mechanical breakdown insurance as an add-on.

More About GEICO

The mechanical breakdown insurance (MBI) is available to GEICO policyholders whose car is less than 15 months old and has less than 15,000 miles on it. Mechanical breakdown insurance offers better coverage than a typical extended warranty — and at a lower price. The coverage includes all parts and systems, and is a unique offer that may not be found in other car insurance companies.

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:3.5

2.4/5

Affordability

4/5

User Satisfaction

3.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm, which has an average annual rate of $1,867, ranked as the second most affordable car insurance company in Florida. It also tied second for claims and customer satisfaction. State Farm customers can add rideshare insurance to their coverage.

More About State Farm

The rideshare insurance add-on ensures that you’re covered while working for a ridesharing company. It applies to your policy coverage, except liability insurance, when you accept or are transporting a rider while driving for a transportation network company. Policyholders can also add coverage for car rental and travel expenses, as well as emergency road assistance.

Read MoneyGeek's State Farm auto Insurance Review
3
MetLife
Score:3.5

2/5

Affordability

3.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

MetLife tied first for claims and third for satisfaction and affordability. It costs $2,014 a year on average. Policyholders can opt to add new car replacement coverage.

More About MetLife

MetLife was acquired by Farmers, so MetLife policyholders get the same coverage as Farmers’ policyholders. It offers new car replacement coverage as an add-on for Florida drivers. This coverage applies for the first 12 months you own the vehicle or 15,000 miles, whichever comes first.

Read MoneyGeek's MetLife auto Insurance Review
4
Travelers
Score:3.2

1.1/5

Affordability

3.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Travelers, which has an average cost of $2,335 annually, tied first for claims, second for satisfaction and fourth in affordability among auto insurance companies in Florida. It offers Premier New Car Replacement® and accident forgiveness as add-ons.

More About Travelers

The Premier New Car Replacement® coverage will replace your car with a new one of the same make and model if you total it in the first five years. Responsible Driver PlanSM owners get an accident forgiveness feature that protects the premium from increasing if you get into an accident within a specified period.

Read MoneyGeek's Travelers auto Insurance Review
5
Progressive
Score:2.5

0/5

Affordability

3.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Progressive policies average $2,728, giving it the lowest affordability ranking among Florida’s top five car insurers. It had the highest claims rating and tied second-best for customer satisfaction. Progressive offers an optional custom parts coverage.

More About Progressive

The custom parts and equipment (CPE) coverage is an optional feature that covers expenses for the repair or replacement of items added to a vehicle. These include custom wheels, navigation system, paint job, stereo and even after-market accessories not installed by the original manufacturer. The maximum CPE coverage amount is typically $5,000.

Read MoneyGeek's Progressive auto Insurance Review
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HOW WE DETERMINED THE BEST INSURANCE IN FLORIDA

To find the best full coverage car insurance in Florida, MoneyGeek collected quotes for full coverage policies across different insurance providers based on a sample driver and evaluated claims ratings and user satisfaction scores from J.D. Power and NAIC. For more information about the sample drivers, check out MoneyGeek’s methodology.

MoneyGeek's Florida Car Insurance Resources:

Compare the Best Insurance Options in Florida

An insurance company’s ranking in terms of cost, service and financial stability affects car insurance premium prices. While these factors can help determine the best auto insurance in Florida, you also should consider whether the insurance provider offers coverage suitable for your specific situation. MoneyGeek’s in-depth review can help you compare the top car insurance companies in Florida.

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Best Car Insurance in Florida for Customer Service

MoneyGeek rated the top car insurance companies in Florida based on claims and user satisfaction scores without considering rates.

Based on these factors, the best insurance providers in the state are:

  • Esurance: MoneyGeek score of 4.7 out of 5
  • Hartford: MoneyGeek score of 4.3 out of 5
The Top 2 Car Insurance Companies in Florida for Service Quality

1
Esurance
Score:4.7

4.5/5

Claims

5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Esurance received a perfect score of 5 for user satisfaction. It tied second place for claims, with a 4.5 rating. Customer service is an essential factor, especially when it comes to filing claims.

More About Esurance

Esurance policyholders can opt to add custom parts and equipment coverage, which provides protection for after-market upgrades. It covers expenses for damages to upgrades and anything not installed by the manufacturer. The maximum limit is $4,000. Another add-on you can get is gap insurance, which pays up to 25% more than the actual cash value of the vehicle.

Read MoneyGeek's Esurance auto Insurance Review
2
The Hartford
Score:4.3

5/5

Claims

3.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Hartford is the highest-scoring company in terms of claims out of the top car insurance companies in Florida. When it comes to customer satisfaction, it tied third with a score of 3.5 out of 5.

More About The Hartford

One of the unique add-ons Hartford offers is full glass coverage. It will cover expenses for the repair of headlights, mirrors and windows with no deductible. Drivers who get the optional disappearing deductible feature can enjoy lower collision deductibles over time if they maintain a clean driving record.

Read MoneyGeek's The Hartford auto Insurance Review

Best Car Insurance in Florida for Drivers on a Budget

For some drivers, a policy that only meets the state minimum coverage requirements is enough. MoneyGeek ranked the best auto insurance companies in Florida for minimum coverage based on affordability.

MoneyGeek’s study found that the best insurance providers for Florida drivers on a budget are:

  • GEICO: MoneyGeek score of 4.2 out of 5
  • Travelers: MoneyGeek score of 3.5 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

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Affordable minimum coverage policy at $590 per year.

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Discounts for safe driving, bundling policies and for having an anti-theft system.

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MoneyGeek claims rating of 4 out of 5.

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MoneyGeek user satisfaction score of 4 out of 5.

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GEICO does not offer lower rates for policyholders paying in full.

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No discounts for paperless billing.

COMPANY HIGHLIGHTS

GEICO offers various discounts for car insurance policyholders in Florida. These include saving opportunities for safe driving and multiple car coverage, and for bundling with other types of insurance.

Additionally, GEICO values safety and security features. Having an anti-theft system and airbags installed in the vehicle can help a policyholder get discounts. You can also take advantage of significant discounts by completing a defensive driving class.

Best Car Insurance in Florida for Poor Driving Records

Your driving record will also affect the cost of your car insurance in Florida. MoneyGeek rated the best insurance providers based on customer service and average rates for drivers with an at-fault accident on their record.

Based on MoneyGeek’s analysis, the best companies in Florida that balance affordability after an at-fault accident and customer service are:

  • GEICO: MoneyGeek score of 4.2 out of 5
  • State Farm: MoneyGeek score of 3.9 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

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Full coverage policy for drivers after an at-fault accident is $1,859 per year.

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Offers roadside assistance, rental car reimbursement and accident forgiveness.

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MoneyGeek claims rating of 4 out of 5.

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MoneyGeek user satisfaction score of 4 out of 5.

cons

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Does not offer gap insurance.

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No better car replacement coverage.

COMPANY HIGHLIGHTS

For drivers with a poor driving record looking for the best car insurance in Florida, GEICO is a company with some of the best policies and most affordable premiums. The average rate is $1,859 per year. The insurer also received a high claims rating and user satisfaction score.

Additionally, GEICO offers the following coverage that can help if you get into an accident:

  • Roadside assistance: This helps you if you’re stranded due to a vehicle problem.
  • Rental car reimbursement: This pays for car rental if your vehicle is under repair due to a covered claim.
  • Accident forgiveness: This ensures that insurance premiums will not increase after your first at-fault accident.

Best Car Insurance in Florida for a Military Background

MoneyGeek analyzed companies in Florida to find the best providers for military members. USAA ranked the highest with a score of 5 out of 5 across all categories. It also has low average annual premiums of $406 for a state minimum coverage and $1,225 for military drivers with an at-fault accident on their record.

MoneyGeek’s Pick: USAA

USAA

pros

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An affordable full coverage policy for poor drivers at $1,225 per year.

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Rideshare insurance coverage.

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Mileage discount.

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Claims rating of 5 out of 5.

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User satisfaction score of 5 out of 5.

cons

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Only military members and their families qualify for USAA policies.

COMPANY HIGHLIGHTS

USAA has some of the most affordable car insurance premium rates and best service in Florida. Additionally, it also has one of the best reputations in the country.

The company also offers various policies and discounts, including:

  • Rideshare gap insurance: This is a great option if you have standard coverage that does not include rideshare insurance.
  • Accident forgiveness: If you remain accident-free for at least five years, you will not be charged an additional premium on your first at-fault accident.
  • Mileage discount: USAA offers discounts based on how much you drive in a year.
  • Vehicle storage: Get up to a 60% discount if you store an insured car.

Best Car Insurance in Florida for Young Drivers and Students

MoneyGeek found the best car insurance companies in Florida for young drivers and students.

The best providers for young drivers in the state are:

  • GEICO: MoneyGeek score of 4.4 out of 5
  • State Farm: MoneyGeek score of 3.8 out of 5

MoneyGeek’s Pick: GEICO

pros

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Affordable premium for young drivers at $2,902 annually.

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Good student discount and driver’s education course discount.

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MoneyGeek claims rating of 4 out of 5.

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MoneyGeek user satisfaction rating of 4 out of 5.

cons

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Does not offer distant student discount.

COMPANY HIGHLIGHTS

Typically, adding young drivers to a policy can make car insurance extremely expensive. However, GEICO offers an affordable option and good customer service. Filing a claim is always stressful, which makes customer service really important to the overall process.

GEICO offers significant discounts for families with young drivers. One of these is the student discount, which offers saving opportunities for full-time students with good academic records. If you complete a driver’s education course, you can also save on your premium.

Best Car Insurance in Florida for Those With New Cars

MoneyGeek’s analysis includes an evaluation of the top auto insurance companies in Florida for drivers looking for a policy with new car replacement coverage. This add-on coverage pays for the replacement of a new car with a brand new one of a similar make and model if it gets totaled within a given period.

MetLife, which was acquired by Farmers and offers the same features, is the highest-rated company for people looking for this type of coverage in Florida. It has a MoneyGeek customer satisfaction score of 3.5 out of 5.

MoneyGeek’s Pick: MetLife

MetLife

pros

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MoneyGeek claims rating of 4.5 of 5.

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New car replacement coverage.

cons

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Relatively expensive premium at $2,014 per year on average.

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MoneyGeek user satisfaction score of 3.5 out of 5.

COMPANY HIGHLIGHTS

MetLife offers new car replacement coverage, making it a great option for new car owners. Typically, vehicles lose value immediately after being driven off the lot. This coverage will allow you to get a new car again in the event of an accident soon after buying a car.

Farmers has acquired MetLife, which means MetLife offers the same coverage as Farmers. The new car replacement coverage will pay to replace your car with a new one of the same make and model if the accident totals your car during the first two years and 24,000 miles.

Best Car Insurance in Florida for Low-Mileage Drivers

Many insurance companies are adopting the pay-per-mile car insurance coverage system, which allows drivers to pay for car insurance based on how many miles they drive. In Florida, the best option for drivers with low mileage is Nationwide SmartMiles.

MoneyGeek’s Pick: Nationwide

Nationwide

pros

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Affordable car insurance for low-mileage drivers.

cons

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People who drive a lot may find it more expensive than standard auto insurance.

COMPANY HIGHLIGHTS

With Nationwide SmartMiles, you pay for a base rate, and then a variable rate kicks in for the miles you drive over that base rate. The company offers a road trip exception, in which you only pay for the first 250 miles in a single day. Additionally, you can earn up to a 10% discount if you are a safe driver.

How to Find the Best Car Insurance in Florida in For You

To find the best auto insurance in Florida, you will have to consider various factors. Choose the insurance provider that balances cost, quality service and financial stability.

MoneyGeek analyzed insurance providers in the state to determine the best options based on these factors. However, you can further learn about each company by going through the process yourself.

1

Research Customer Service Reputations in Florida

MoneyGeek collected quotes across various insurance companies in Florida for a sample driver to find the best insurers. J.D. Power customer satisfaction scores and NAIC complaint ratios were also analyzed. You can check these ratings to compare providers. It will also help to review Florida’s Office of Insurance Regulation.

2

Compare Quotes for Yourself

The quotes MoneyGeek used for this analysis are averages based on a sample driver. While they apply to various locations in the state, this study does not cover the whole of Florida. To find more accurate costs and find the best coverage based on your needs, consider comparing personalized quotes from at least three companies.

3

Make Sure the Company Has Coverages You Want in Florida

When shopping for car insurance, make sure you review the coverage and discounts each company offers. While some insurers advertise certain offers, they may not be available in all states. Check with the companies if the offer you are looking for is provided in Florida.

4

Double-Check Financial Stability Ratings

Financial stability is among the essential factors you should check when choosing an insurance company. Typically, larger companies tend to be financially more robust, which means they are more likely able to pay legitimate claims. Regional insurers may have lower financial stability ratings and may be less able to process claims.

FAQs About the Best Car Insurance in Florida

There are many factors affecting the cost of auto insurance in Florida. Here are some of the most common questions to help you find the best provider.

Expert Advice: Finding the Best Auto Insurance in Florida

  1. What is the best way to figure out which insurer is best for me in Florida?
  2. What are the best coverages to add to your car insurance policy in Florida?
  3. How important is it for drivers in Florida to get car insurance from a provider with a great service reputation?
Dr. Andrew Burnstine
Dr. Andrew Burnstine

Associate Professor of Marketing at Lynn University

Methodology

MoneyGeek collected information on car insurance costs in Florida in collaboration with Quadrant Information Services. These rates are for a sample driver as described on MoneyGeek’s methodology page unless noted otherwise.

To calculate scores, MoneyGeek used industry-leading evaluations by J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). Additionally, MoneyGeek obtained all information about coverages and discounts from each insurance company’s website or their quote tools.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.