Travelers is Florida's best car insurance company, earning a MoneyGeek score of 4.89 out of 5 for its exceptional affordability and customer service. Since insurance needs vary by driver, we also recommend exploring State Farm, Nationwide, Mercury and GEICO.
Best Car Insurance in Florida
Updated: August 26, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Florida is Travelers, ranking first in both affordability and customer satisfaction.
Travelers offers excellent coverage for drivers in multiple categories, including senior drivers and those with driving violations.
Florida drivers should determine their coverage needs first, research provider costs and compare plenty of quotes to find the most affordable rates.
Best Car Insurance Companies in Florida
| Travelers | 4.89 | $82 | 1 | 4 |
| State Farm | 4.53 | $101 | 3 | 7 |
| Nationwide | 4.39 | $129 | 6 | 4 |
| Mercury | 4.28 | $146 | 4 | 5 |
| GEICO | 4.27 | $133 | 5 | 7 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Florida by Driver Profile
Travelers is Florida's most affordable car insurance provider, taking the top spot in the categories we analyzed. From young drivers to those with accidents, Travelers consistently offers the lowest rates across every driver profile.
| Young Drivers | Travelers | 1 | 1 | 4 |
| Adult Drivers | Travelers | 1 | 1 | 4 |
| Senior Drivers | Travelers | 1 | 1 | 4 |
| Drivers With an Accident | Travelers | 1 | 1 | 4 |
| Drivers With a DUI | Travelers | 2 | 1 | 4 |
| Drivers With a Speeding Ticket | Travelers | 1 | 1 | 4 |
| Drivers With Bad Credit | Travelers | 1 | 1 | 4 |
| Drivers With Low Income | Travelers | 1 | 1 | 4 |
| Drivers With Newer Cars | Travelers | 1 | 1 | 3 |
| Drivers With Old Cars | Travelers | 2 | 1 | 3 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Florida Car Insurance Recommendations
Our general recommendations might not fit your specific situation. Compare these five top-rated insurance providers to find coverage that matches your personal profile and needs.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | 4.89 | $186 | 1 | 4 |
| Nationwide | 4.61 | $212 | 6 | 4 |
| Progressive | 4.42 | $301 | 2 | 2 |
| GEICO | 4.42 | $239 | 5 | 7 |
| UAIC | 4.25 | $187 | 11 | 8 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Florida Car Insurance Reviews
See detailed service comparisons for our top-rated insurance providers below.
Travelers
Best Cheap Overall in Florida
MoneyGeek Rating
4.9/ of 5
5/5Affordability
5/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Cost
$112For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$52For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
State Farm
Strong Customer Experience in Florida
MoneyGeek Rating
4.5/ of 5
4.8/5Affordability
4.6/5Customer Experience
2.9/5Coverage Options
Average Monthly Full Coverage Cost
$138For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$64For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Drive Safe & Save Program
How to Find the Best Car Insurance in Florida
Finding the right car insurance in Florida can be difficult. This guide helps you choose coverage that fits your needs and budget.
- 1
Decide on coverage needs before you buy
Know what coverage you need. Review your driving patterns, vehicle value and financial situation while ensuring you meet Florida required minimums.
- 2
Research average costs and discounts you may qualify for
Start by checking average car insurance costs in Florida to understand typical pricing for your situation. Look into savings opportunities like home and auto insurance bundles, usage-based insurance and safe driver discounts. Taking a defensive driving program can also reduce your premium .
- 3
Look through provider customer experiences and coverage options thoroughly
Research customer experiences to avoid companies with poor claims handling and to find coverage options.
- 4
Consider non-standard coverage options
Explore alternatives like manufacturer insurance, non-owner car insurance, and pay-per-mile policies that might better suit your needs. If you require an SR-22 in Florida, be sure to factor this into your provider selection.
- 5
Compare plenty of quotes through multiple means
Shop around extensively to find the cheapest option possible. Get quotes through insurance company websites, independent agents and comparison tools since rates can vary between channels.
- 6
Reassess annually
Compare quotes and review your coverage needs yearly to find the best choice.
Best Florida Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Travelers is the top-rated company overall, while State Farm and Nationwide are also good options for drivers in Florida.
Best Auto Insurance in Florida: FAQ
Finding the right car insurance depends on your unique situation, so we'll answer common questions to help you choose coverage that matches your needs.
What is the best car insurance company in Florida?
Travelers stands as the best car insurance company in Florida, offering full coverage at an average monthly premium of $112.
What is the best car insurance company for minimum coverage in Florida?
Travelers offers the most cost-effective minimum coverage in Florida, with average rates starting at $618 per year.
What is the best car insurance in Florida for young drivers?
Travelers is the top insurance choice for young adults in Florida, providing excellent value with strong customer service and competitive rates averaging $181 per month.
What is the best car insurance for Florida drivers who value customer service?
Travelers ranks highest for customer experience in Florida with a 5 out of 5 score. The company excels in their purchase experience, agent interactions, digital tools and claims handling process.
What is the best car insurance in Florida if you have driving offenses?
Travelers offers the best insurance for Florida drivers with violations. Monthly premiums average $65 for minimum coverage and $143 for full coverage with a speeding ticket on record.
How We Rated the Best Car Insurance in Florida
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Florida. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Florida. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Florida-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.