BestAuto InsuranceFloridaThe Best Car Insurance in Florida for 2023
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The best car insurers balance customer satisfaction, affordability and financial stability. Based on MoneyGeek’s scoring system, the top car insurance company in Florida is GEICO. It ranked first in affordability, first in financial stability and second in customer satisfaction.
However, the best choice for you will rely on your driving profile. For instance, USAA is better for military families, whereas Nationwide is a great choice for low-mileage drivers.
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.
BestAuto InsuranceFloridaThe Best Car Insurance in Florida
Best Overall - GEICO
Best for Customer Service - Esurance
Best for Minimum Coverage - GEICO
Best for Young Drivers - GEICO
Best for Seniors - GEICO
Best for Bad Driving Records - GEICO
Best for Military - USAA
Best for New Cars - Travelers
Best for Low-Mileage Drivers - Nationwide
Best Full Coverage Car Insurance Companies in Florida: Overall
The best overall car insurance company in Florida is GEICO. Based on MoneyGeek’s analysis, the best car insurance providers in Florida are:
- GEICO: MoneyGeek score of 81 out of 100 ($1,337 per year)
- State Farm: MoneyGeek score of 69 out of 100 ($1,867 per year)
To determine the top car insurance companies in Florida, MoneyGeek evaluated average cost, claims ratings and user satisfaction scores. MoneyGeek also looked into the cheapest full coverage auto insurance in Florida for people looking to save money.
THE TOP CAR INSURANCE COMPANIES IN FLORIDA
1
GEICOBest Overall
Score:91
GEICO ranked first among Florida auto insurance companies for affordability. It also ranked second for satisfaction and claims. GEICO offers mechanical breakdown insurance as an add-on coverage.
The average annual cost of car insurance from GEICO is around $1,337.
More About GEICO
GEICO’s mechanical breakdown insurance (MBI) is available to policyholders with vehicles that are less than 15 months old and have fewer than 15,000 miles on the odometer. This unique add-on provides better coverage at a lower cost than a typical extended warranty. The coverage is exclusive to GEICO and includes all parts and systems. Having this insurance could reduce your out-of-pocket expenses for unforeseen auto repairs.
Accident forgiveness is another useful coverage available with GEICO. In getting this endorsement for your auto insurance policy, your premium will not increase as a result of your first at-fault accident. Accident forgiveness can be purchased or earned by drivers over 21 who have stayed accident-free for at least five years. Read MoneyGeek’s GEICO auto insurance review to learn more.
2
GEICO
Score:91
GEICO ranked first among Florida auto insurance companies for affordability. It also ranked second for satisfaction and claims. GEICO offers mechanical breakdown insurance as an add-on coverage.
The average annual cost of car insurance from GEICO is around $1,337.
More About GEICO
GEICO’s mechanical breakdown insurance (MBI) is available to policyholders with vehicles that are less than 15 months old and have fewer than 15,000 miles on the odometer. This unique add-on provides better coverage at a lower cost than a typical extended warranty. The coverage is exclusive to GEICO and includes all parts and systems. Having this insurance could reduce your out-of-pocket expenses for unforeseen auto repairs.
Accident forgiveness is another useful coverage available with GEICO. In getting this endorsement for your auto insurance policy, your premium will not increase as a result of your first at-fault accident. Accident forgiveness can be purchased or earned by drivers over 21 who have stayed accident-free for at least five years. Read MoneyGeek’s GEICO auto insurance review to learn more.
3
Progressive
Score:77
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.
4
Progressive
Score:77
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.
5
State Farm
Score:74
State Farm ranked as the second most affordable car insurance company in Florida. It also ranked second for claims and customer satisfaction. State Farm customers can add rideshare insurance to their coverage.
The average cost of car insurance from State Farm is approximately $1,867 per year.
More About State Farm
State Farm's only unique coverage is rideshare insurance — it does not have accident forgiveness or gap insurance, which are common among insurers. The rideshare add-on coverage ensures that your personal car insurance policy's medical, rental car reimbursement coverage and roadside assistance remain in force while working for a rideshare operator like Uber or Lyft. The deductible from your policy also applies to this coverage.
When the rideshare app is active and you're ready for hire, State Farm's rideshare insurance coverages — except liability insurance — remain in effect once you match with a potential rider and transport a rider. Based on your policy limits, available discounts and other variables, rideshare coverage typically increases your State Farm premium by 15% to 20%.
6
State Farm
Score:74
State Farm ranked as the second most affordable car insurance company in Florida. It also ranked second for claims and customer satisfaction. State Farm customers can add rideshare insurance to their coverage.
The average cost of car insurance from State Farm is approximately $1,867 per year.
More About State Farm
State Farm's only unique coverage is rideshare insurance — it does not have accident forgiveness or gap insurance, which are common among insurers. The rideshare add-on coverage ensures that your personal car insurance policy's medical, rental car reimbursement coverage and roadside assistance remain in force while working for a rideshare operator like Uber or Lyft. The deductible from your policy also applies to this coverage.
When the rideshare app is active and you're ready for hire, State Farm's rideshare insurance coverages — except liability insurance — remain in effect once you match with a potential rider and transport a rider. Based on your policy limits, available discounts and other variables, rideshare coverage typically increases your State Farm premium by 15% to 20%.
7
Travelers
Score:73
Travelers, which has an average cost of $2,335 per year, tied first for claims, second for satisfaction and fourth for 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 Plan owners get an accident forgiveness feature that protects the premium from increasing if you get into an accident within a specified period.
8
Travelers
Score:73
Travelers, which has an average cost of $2,335 per year, tied first for claims, second for satisfaction and fourth for 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 Plan owners get an accident forgiveness feature that protects the premium from increasing if you get into an accident within a specified period.
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 user satisfaction scores from J.D. Power and claims handling based on the National Association of Insurance Commissioners (NAIC) consumer complaint index. For more information about the sample drivers, check out MoneyGeek’s methodology.
MoneyGeek's Florida Car Insurance Resources:
Best Car Insurance in Florida for Customer Service
In terms of customer service, Esurance scored as the top insurer in Florida. The best insurance providers in Florida for customer service are:
- Esurance: MoneyGeek score of 95 out of 100
- The Hartford: MoneyGeek score of 86 out of 100
MoneyGeek rated the top car insurance companies in Florida based on claims and user satisfaction scores without considering rates.
THE TOP TWO CAR INSURANCE COMPANIES IN FLORIDA FOR SERVICE QUALITY
1
EsuranceBest for Customer Service
Score:95
Esurance, an Allstate subsidiary, received a perfect score of 5 for user satisfaction. It tied for 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 have the option to purchase custom parts and equipment coverage, a unique offering from the company. This endorsement offers protection for the after-market parts not originally installed by the manufacturer. Custom parts and equipment coverage pays for repairs and upgrades to those parts up to a maximum limit of $4,000.
Gap insurance is another add-on that you may purchase from Esurance. If your car is totaled, gap coverage from Esurance will pay up to 25% more than the actual cash value of your car to help you pay down your loan or lease. Read MoneyGeek’s Esurance auto review for an in-depth analysis of this company.
2
Esurance
Score:95
Esurance, an Allstate subsidiary, received a perfect score of 5 for user satisfaction. It tied for 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 have the option to purchase custom parts and equipment coverage, a unique offering from the company. This endorsement offers protection for the after-market parts not originally installed by the manufacturer. Custom parts and equipment coverage pays for repairs and upgrades to those parts up to a maximum limit of $4,000.
Gap insurance is another add-on that you may purchase from Esurance. If your car is totaled, gap coverage from Esurance will pay up to 25% more than the actual cash value of your car to help you pay down your loan or lease. Read MoneyGeek’s Esurance auto review for an in-depth analysis of this company.
3
The Hartford
Score:86
The 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 for third with a score of 3.5 out of 5.
More About The Hartford
Full auto glass insurance is one add-on coverage offered by The Hartford that may be useful for Florida drivers. Usually, your comprehensive coverage may contribute to the cost of replacing a windshield damaged by rocks, hail or some other blunt-force object, but only after meeting your deductible. However, Florida regulations waive the deductible for auto glass replacement, so if you get full auto glass coverage from The Hartford, you can repair or replace your damaged windshield or glass with no deductible.
The Hartford's deductible modification coverage is an additional endorsement worth considering. By keeping a clean driving record, drivers who go for deductible modification coverage can enjoy decreasing collision deductibles over time.
4
The Hartford
Score:86
The 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 for third with a score of 3.5 out of 5.
More About The Hartford
Full auto glass insurance is one add-on coverage offered by The Hartford that may be useful for Florida drivers. Usually, your comprehensive coverage may contribute to the cost of replacing a windshield damaged by rocks, hail or some other blunt-force object, but only after meeting your deductible. However, Florida regulations waive the deductible for auto glass replacement, so if you get full auto glass coverage from The Hartford, you can repair or replace your damaged windshield or glass with no deductible.
The Hartford's deductible modification coverage is an additional endorsement worth considering. By keeping a clean driving record, drivers who go for deductible modification coverage can enjoy decreasing collision deductibles over time.
Best Car Insurance in Florida for Minimum Coverage
MoneyGeek ranked the best cheap auto insurance companies in Florida based on affordability and service quality for minimum coverage car insurance that only meets Florida’s minimum coverage requirements. If you are looking for affordable coverage, the best insurance providers for Florida drivers on a budget are:
- GEICO: MoneyGeek score of 83 out of 100 ($590 per year for state minimum coverage)
- Travelers: MoneyGeek score of 69 out of 100 ($1,120 per year for state minimum coverage)
See MoneyGeek’s full breakdown of companies offering Florida’s cheapest minimum coverage auto insurance for individuals who are cost conscious.
MoneyGeek’s Pick: GEICO
pros
Affordable minimum coverage policy at $590 per year.
Discounts for safe driving, bundling policies and for having an anti-theft system.
MoneyGeek claims rating of 4 out of 5.
MoneyGeek user satisfaction score of 4 out of 5.
cons
GEICO does not offer lower rates for policyholders paying in full.
No discounts for paperless billing.
COMPANY HIGHLIGHTS
Policyholders in the state of Florida who have GEICO auto insurance are eligible for a variety of discounts. These savings opportunities include a discount for safe driving (if you stay accident-free for at least five years), a multiple car discount (for insuring more than one vehicle with GEICO) and a bundling discount (for having a car insurance policy with another type of GEICO insurance, such as home, renters, condo or mobile home insurance).
GEICO also places high importance on safety and security components. A policyholder may be eligible for discounts on their auto insurance premium if their car is equipped with an anti-theft system, anti-lock brakes or airbags. Similarly, outfitting your vehicle with daytime running lights may render you eligible for significant discounts.
Best Car Insurance in Florida for Young Drivers and Students
GEICO also took the top spot as the best car insurance company in Florida for young drivers and students. The best car insurance companies for young drivers in Florida are:
- GEICO: MoneyGeek score of 88 out of 100
- State Farm: MoneyGeek score of 76 out of 100
MoneyGeek's review covered rates for Florida high school and college students in their late teens or early 20s.
Insurance rates for young drivers and students can be pricey. However, MoneyGeek also found the cheapest car insurance in Florida for young drivers to help you save money.
MoneyGeek’s Pick: GEICO
pros
Affordable premium for young drivers at $2,902 annually.
Good student discount and driver’s education course discount.
MoneyGeek claims rating of 4 out of 5.
MoneyGeek user satisfaction rating of 4 out of 5.
cons
Does not offer distant student discount.
COMPANY HIGHLIGHTS
Adding young drivers to a policy can make car insurance extremely expensive. However, GEICO offers an affordable option with good customer service. Stress is the last thing you want when filing a claim, and quality customer service goes a long way in smoothing the process. This is especially important when insuring younger or more inexperienced drivers, who tend to file more claims.
GEICO also offers significant discounts for families with young drivers. One is the student discount, which provides saving opportunities for full-time students with good academic records. Drivers who complete a driver’s education or defensive driving course are also liable to save on their premiums.
Best Car Insurance in Florida for Seniors
MoneyGeek ranked the best Florida auto insurance companies for senior drivers based on affordability and customer service reputation amongst older adults. These companies are:
- GEICO: MoneyGeek score of 88 out of 100 ($1,304 per year)
- State Farm: MoneyGeek score of 77 out of 100 ($1,787 per year)
The company scores for this category weighed affordability and service for seniors equally. MoneyGeek also identified several other companies offering cheap, high-quality car insurance for Florida seniors.
MoneyGeek’s Pick: GEICO
pros
Affordable rates for seniors at an average of $1,304 per year.
Offers roadside assistance, rental car reimbursement and accident forgiveness.
Offers senior discounts for drivers over 50.
MoneyGeek claims and user satisfaction ratings of 4 out of 5.
cons
Does not offer discounts for paying in full or going paperless, which are typically offered by insurers.
COMPANY HIGHLIGHTS
Although car insurance rates for seniors are generally higher than for middle-aged adults, GEICO provides a combination of reasonable premiums and excellent service. Seniors can take advantage of the company's roadside assistance if they get a flat tire or are locked out of their car and find themselves stranded. Additional services like towing and jumpstarting are part of this coverage. With GEICO's rental car reimbursement coverage, senior drivers can get reimbursed for the cost of renting a vehicle if their vehicle is rendered inoperable for more than 24 hours due to a covered accident.
GEICO also offers elderly drivers the opportunity to save on their premiums. Most suitable for seniors, the company provides a discount to drivers over 50 years old. Also, seniors who complete a defensive driving course may receive additional discounts.
Best Car Insurance in Florida for Bad Driving Records
If you have a poor driving record, GEICO is the best option in Florida for you. Based on MoneyGeek’s analysis, the best companies in Florida after an at-fault accident are:
- GEICO: MoneyGeek score of 83 out of 100 ($1,859 per year)
- State Farm: MoneyGeek score of 78 out of 100 ($2,170 per year)
Your driving record will affect the cost of your car insurance in Florida. MoneyGeek rated the best insurance providers for drivers with an at-fault accident on their record based on customer service and average rates.
For drivers looking to save money, MoneyGeek also analyzed the cheapest car insurance in Florida for drivers with DUIs or bad driving records.
MoneyGeek’s Pick: GEICO
pros
Full coverage policy for drivers after an at-fault accident is $1,859 per year.
Offers roadside assistance, rental car reimbursement and accident forgiveness.
MoneyGeek claims rating of 4 out of 5.
MoneyGeek user satisfaction score of 4 out of 5.
cons
Does not offer gap insurance.
No better car replacement coverage.
COMPANY HIGHLIGHTS
For drivers with a spotty driving record looking for top car insurance in Florida, GEICO is a company with some of the best policies and most affordable premiums. Its average rate is $1,859 per year. This insurer also received a high claims rating and user satisfaction score of 4 out of 5.
Additionally, GEICO offers the following three add-on coverages that can help if you get into an accident:
- Roadside Assistance: This helps you if you’re stranded on the road due to an issue like a flat tire or getting locked out of your vehicle.
- Rental Car Reimbursement: This coverage pays for you to rent a car if yours is undergoing repairs after a covered accident.
- Accident Forgiveness: This endorsement guarantees 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 perfect score of 100. It also has low average annual premiums of $406 for state minimum coverage and $1,225 for military drivers with an at-fault accident on their records.
MoneyGeek’s Pick: USAA
pros
An affordable full coverage policy for poor drivers at $1,225 per year.
Rideshare insurance coverage.
Mileage discount.
Claims rating of 5 out of 5.
User satisfaction score of 5 out of 5.
cons
Only military members, veterans and their families qualify for USAA policies.
COMPANY HIGHLIGHTS
USAA has some of the most affordable car insurance policies and best service ratings in Florida. This company is known across the country for its stellar reputation. USAA also offers various coverages and discounts, including:
- Rideshare Insurance: Rideshare gap coverage is a great option if your standard insurance policy does not cover you while you're waiting for a rideshare request. The additional coverage can be included for as little as $6 per month.
- Accident Forgiveness: By remaining accident-free for at least five years, your premium will not go up after your first at-fault accident if you obtain USAA's accident forgiveness coverage.
- Mileage Discount: Florida drivers are eligible for this USAA discount based on how much you drive in a year.
- Vehicle Storage Discount: Get up to a 60% discount if you store an insured car while you are deployed.
MONEYGEEK EXPERT TIP
GEICO has multiple discounts available to active-duty military personnel and veterans. Even Reserves and National Guard members and members of some military-related organizations may be eligible for a discount with GEICO. If you qualify, you may save up to 15% on your total premium. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Best Car Insurance in Florida for Those With New Cars
MoneyGeek also evaluated Florida auto insurance companies offering new car replacement coverage and found that Travelers is the highest-rated company for drivers with new cars in Florida.
- Travelers: MoneyGeek score of 65 out of 100 ($2,335 per year)
This add-on coverage pays to replace your car with a brand new one of a similar make and model if it gets totaled within a given time.
MoneyGeek’s Pick: Travelers
pros
MoneyGeek claims rating of 5 out of 5.
MoneyGeek stability rating of 5 out of 5.
New car replacement coverage.
cons
Relatively expensive premium at $2,335 per year on average.
COMPANY HIGHLIGHTS
Travelers offers new car replacement coverage, making it MoneyGeek's choice for new car owners. Typically, vehicles lose value immediately after being driven off the lot. If your new car is totaled in a covered loss within five years of owning it, Travelers' Premier New Car Replacement coverage will cover the costs of replacing it with a brand-new vehicle of the same make and model.
Travelers' new car replacement excludes any applicable deductibles. It also includes gap coverage, which covers the difference between the car's actual cash value and the remaining loan or lease balance.
Best Car Insurance in Florida for Low-Mileage Drivers
In Florida, the best option for drivers with low mileage is Nationwide SmartMiles. 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.
MoneyGeek’s Pick: Nationwide
pros
MoneyGeek claims rating of 4.5 of 5.
New car replacement coverage.
cons
Relatively expensive premium at $2,014 per year on average.
MoneyGeek user satisfaction score of 3.5 out of 5.
COMPANY HIGHLIGHTS
With Nationwide SmartMiles, two factors make up your premium: a base rate and a variable rate (cost per mile). You first pay the base rate, after which a variable charge applies to any additional miles driven. Since the variable part of your rate is mileage-based, it will fluctuate from one month to another depending on the distance you drive.
Following the company's road trip exemption, you only have to pay for the first 250 miles traveled in a single day. Additionally, you may receive a 10% discount for safe driving.
How to Find the Best Car Insurance in Florida 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 the NAIC complaint index were also analyzed. You can check this information to compare providers. It will also help to review Florida’s auto insurance regulations.
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 every area 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. Insurers with lower financial stability ratings 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
- What is the best way to figure out which insurer is best for me in Florida?
- What are the best coverages to add to your car insurance policy in Florida?
- How important is it for drivers in Florida to get car insurance from a provider with a great service reputation?
Charles Yang, Ph.D.
Kaye Insurance Research Fellow in Insurance and Professor at Florida Atlantic University
Dr. Andrew Burnstine
Associate Professor of Marketing at Lynn University
About Mark Fitzpatrick
sources
- GEICO. "What Is Mechanical Breakdown Insurance?." Accessed August 12, 2022.
- State Farm. "Rideshare Coverage." Accessed August 12, 2022.
- Nationwide. "SmartMiles." Accessed August 12, 2022.
- Travelers. "New Car Replacement Coverage." Accessed August 25, 2022.