Best Car Insurance in Florida (2026 Picks)

Top Rated Car Insurance Companies in Florida

The top-rated car insurance companies in Florida are:

Best and Cheapest Overall for Adult and Young Drivers: Travelers
Best Cheap for Drivers with a DUI: State Farm

Why You Can Trust MoneyGeek

MoneyGeek's proprietary methodology identified Florida's best car insurance by researching over 70 companies and analyzing actual quotes, verified customer reviews from trusted sources like J.D. Power, and coverage details. Our ratings prioritize what matters most: affordability (60%), customer experience (30%), and coverage options (10%).

Best Car Insurance Companies in Florida

Travelers is the best car insurance company in Florida, with a 4.9 out of 5 MoneyGeek score. It excels in affordability, customer service and coverage options.

State Farm offers Florida's most affordable car insurance for drivers with DUIs. The company provides competitive rates for high-risk drivers while maintaining strong customer service through over 850 local offices statewide.

Our recommendations provide a starting point, but your age, driving record and coverage needs determine which provider offers the best value. Compare these top companies to find the insurer that best fits your profile.

Data filtered by:


Travelers	4.90	$112	5.00	5.00	3.90
State Farm	4.60	$136	4.80	4.60	3.00
Nationwide	4.50	$168	4.60	4.40	3.90
Mercury Insurance	4.30	$198	4.30	4.50	3.70
Metropolitan Group	4.30	$163	4.60	4.10	2.50

*The rates above are based on a male driver insuring a 2012 Toyota Camry with good credit.

How much does car insurance in Florida cost?

How much car insurance do I need in Florida?

Best Overall Insurer in Florida: Progressive

Travelers

Best and Cheapest Overall for Adult and Young Drivers

MoneyGeek Rating

4.9/ 5

5/5Affordability

5/5Customer Experience

3.9/5Coverage Points

Average Monthly Full Coverage Cost
$112
Average Monthly Minimum Coverage Cost
$51
Unique Coverage Add-on
IntelliDrive Program

pros
- Earns MoneyGeek's highest score (4.9/5) for Florida insurers
- Offers competitive rates across all driver profiles
- Strong ratings for claims handling and customer service
cons
- Coverage options score lower than some competitors
- Fewer specialized add-ons compared to larger national carriers
Travelers earns MoneyGeek's highest score (4.9 out of 5) among Florida insurers. It ranks first in affordability and customer experience while maintaining strong coverage options.
Travelers offers competitive rates for both clean-record drivers and those rebuilding after violations. Florida drivers get comprehensive coverage at rates below the state average.
Travelers' monthly premiums range from $51 for minimum coverage to approximately $300 for high-risk drivers with full coverage. Most drivers with clean records pay $112 monthly for full coverage. Young drivers pay higher rates based on age and driving history.
These rates run below Florida averages, saving drivers money annually compared to typical market pricing.
Travelers offers additional savings through its IntelliDrive program, multi-policy bundling (typically 10% to 15% off when combining home and auto policies), and various discount programs for safe driving and vehicle safety features.
Travelers scores 5 out of 5 for customer satisfaction. The company operates claims centers across Florida that process standard claims efficiently. Customer service runs 24/7 with trained representatives available to handle policy questions and claims.
The mobile app provides essential features including claims filing, policy management and digital ID cards. Travelers maintains strong customer service ratings through responsive support and efficient claims processing.
Travelers scores 3.9 out of 5 for coverage options. Beyond standard liability, collision, comprehensive and medical payments coverage, Travelers offers protections that help Florida drivers customize their policies. Coverage options include:
- IntelliDrive: Usage-based insurance program that can lower premiums based on safe driving habits
- Accident forgiveness: First accident won't increase your rates after qualifying period
- New car replacement: Pays for a new vehicle if your car is totaled within the first model year
- Rental reimbursement: Covers rental car costs while your vehicle is being repaired
- Roadside assistance: 24/7 help for towing, flat tires, lockouts and fuel delivery
- Umbrella coverage: Additional liability protection beyond standard policy limits
Florida drivers can customize liability limits from state minimums (10/10/10) up to higher limits for additional protection.

Best Cheap for Drivers with a DUI in Florida: State Farm

State Farm

Best Cheap for Drivers with a DUI

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Customer Experience

3/5Coverage Points

Average Monthly Full Coverage Cost
$136
Average Monthly Minimum Coverage Cost
$62
Unique Coverage Add-on
Drive Safe & Save Program

pros
- Competitive rates for high-risk drivers including those with DUIs
- Over 850 local agents statewide provide face-to-face service
- Strong financial ratings demonstrate long-term stability
cons
- Coverage options rank below average compared to competitors
- Fewer specialized add-ons than larger carriers
State Farm charges the lowest rates in Florida with a 5 out of 5 affordability score and 3.6 overall MoneyGeek rating. Average monthly rates of $40 across all coverage levels make it the cheapest option among top-rated providers.

Coverage options stay simpler than Progressive or Farmers offerings. Over 850 Florida offices provide local agent access for drivers who want in-person service.
State Farm provides competitive pricing for Florida drivers with DUIs and other violations. State minimum coverage starts at $62 monthly. Full coverage for clean-record adults costs $136 monthly.
Drivers with violations pay higher rates based on their specific driving history. Young drivers and those rebuilding after incidents can still find accessible coverage through State Farm's local agent network.
Drive Safe & Save cuts premiums up to 30% through driving habit monitoring. Multi-policy bundles save around 15%. Good student discounts and accident-free rewards provide additional savings.
Customer experience scores 4.6 out of 5, supported by State Farm's widespread local presence. Over 850 Florida agents provide face-to-face interactions for drivers who prefer in-person service over digital options. Claims processing runs seven to 10 business days on average.
The mobile app includes basic features: ID cards, bill payments and claim tracking. Round-the-clock claims reporting works through the app, phone (800-STATE-FARM) or your local agent's office. Local agents handle complex claims and policy questions directly.
Coverage options score 3 out of 5, showing State Farm's focus on core protections over extensive add-ons. Coverage includes collision, liability, comprehensive and medical payments. Policy limits run from Florida's minimums (10/10/10) to 250/500/100. Add-on options:
- Drive Safe & Save: Tracks mileage and driving through mobile app or beacon, discounts up to 30%
- Rental car reimbursement: $25 to $100 daily
- Roadside assistance: Standard towing and emergency services
- Rideshare coverage: Financial protection for Uber and Lyft drivers

How to Find the Best Car Insurance in Florida

Finding the best car insurance in Florida is more than just clicking the first online quote you see. Your ideal coverage balances cost, protection and service quality, and that mix varies for every driver.

1
Understand Florida's Insurance Requirements
Before comparing car insurance quotes in Florida, know what the state requires: $10,000 bodily injury coverage per person, $10,000 per accident, $10,000 property damage coverage and $10,000 in personal injury protection (PIP). Most drivers need more than these minimums. If you own substantial assets or finance your vehicle, your lender will require comprehensive and collision coverage. Think about what you're protecting. A 10-year-old sedan with 150,000 miles probably doesn't need collision coverage. Skipping comprehensive on a $25,000 newer vehicle could cost you thousands in one incident.
2
Research Average Costs
Full coverage car insurance in Florida costs $1,860 to $2,400 per year. Your actual rate depends on your age, driving history, credit score, location and vehicle. Use this range as a baseline. Quotes over $3,000 annually for basic coverage with a clean record indicate you're probably overpaying. Your ZIP code affects your rate; urban areas cost more. So do your vehicle's safety ratings, annual mileage and even your education level with some insurers.
3
Identify Discounts That Apply to Your Situation
Florida drivers can tap into several car insurance discounts. Bundling multiple policies often saves 10% to 15%. Good student discounts reward young drivers who maintain B averages. Defensive driving courses approved by Florida's Department of Highway Safety and Motor Vehicles can lower your premium. Usage-based insurance programs track your actual driving habits. Travelers' IntelliDrive and State Farm's Drive Safe & Save can save safe drivers 15% to 30%. Ask about vehicle safety discounts if your car has anti-theft systems, airbags or electronic stability control.
4
Compare Insurance Companies, Not Just Prices
Affordable car insurance means more than finding the lowest premium. A $50 monthly policy with minimal coverage and poor claims handling isn't cheaper than a $65 policy from an insurer known for fast, fair settlements.
Read customer reviews about claims experiences. Check financial stability ratings from AM Best. Look at coverage options. Travelers leads Florida insurers in overall value. State Farm keeps options minimal but affordable.
5
Compare Quotes Through Multiple Means
Get car insurance quotes from at least three to five companies. Use direct insurer websites, independent agents and online comparison tools. Independent agents often access regional insurers not available through comparison sites. Provide the same information to every insurer. Otherwise, you're comparing different products instead of finding the best price for identical coverage.
6
Review Your Policy Every Year
Car insurance prices change constantly. Companies update rates and underwriting standards throughout the year. Set a calendar reminder to review your coverage and get new quotes annually. Last year's best deal might not be competitive today. Life changes impact your rates, too. Buying a home, paying off your car loan, adding a young driver or moving all affect what you pay. Many drivers overpay by keeping coverage they no longer need or by failing to switch car insurance companies.

Best Car Insurance Coverage in Florida

State minimums often don't provide enough financial protection for real accident costs. Florida's unique insurance requirements and traffic conditions create specific coverage needs for drivers.

An emergency room visit costs about $2,200 on average nationwide. A serious trauma case at a Miami, Orlando or Tampa hospital costs $35,000 to $50,000. Vehicle repairs after moderate collisions usually run over $15,000.

Minimum coverage won't cover you if you cause an accident that injures multiple people on I-4, I-95 or the Florida Turnpike. Lawsuits will drain your savings and garnish your wages.

Florida's 14.2 traffic deaths per 100,000 residents exceed the national average, while the state's 7.4% uninsured driver rate means roughly 530,000 drivers operate without required coverage, so comprehensive coverage decisions are important for protecting your financial security.

MoneyGeek recommends these coverage levels for Florida drivers:

Liability: 100/300/100 ($100,000 per person, $300,000 per accident, $100,000 property damage) costs just $15 to $25 more monthly than state minimums and covers most Florida drivers adequately.

Drivers with substantial assets (homeowners, business owners or high earners) should choose 250/500/100 limits. This costs $25 to $40 more monthly than minimums but covers your assets if you cause a serious accident. Florida's traffic density and accident rates make higher liability limits worth the cost.

Comprehensive and Collision: Add full coverage if your vehicle is worth more than $4,000 or carries a loan. Choose $500 or $1,000 deductibles based on your emergency savings---a $500 deductible costs $20 to $30 more monthly than $1,000 but lowers your out-of-pocket costs after incidents.

Comprehensive coverage matters in Florida, where weather-related incidents damage thousands of vehicles annually during hurricane season, and vehicle theft rates in major metropolitan areas exceed national averages. Collision coverage protects you in heavy traffic areas where accident rates spike during tourist season in Miami, Orlando and South Florida.

Personal Injury Protection (PIP): Florida requires $10,000 in PIP coverage, which pays for your medical expenses and lost wages regardless of fault. This no-fault coverage provides immediate medical payment without waiting for liability determinations.

Consider higher PIP limits ($25,000 to $50,000) if you don't have comprehensive health insurance. PIP coverage costs about $10 to $25 more monthly for each $10,000 increase in coverage limits---worthwhile protection given Florida's traffic risks and potential medical expenses.

Uninsured Motorist Coverage: Though not required in Florida, uninsured motorist (UM) coverage protects you when at-fault drivers can't pay for your damages. Match your liability limits for complete protection.

Florida has a significant percentage of uninsured drivers on its roads. This coverage fills gaps when responsible drivers carry only minimum limits insufficient to cover your medical bills and vehicle repairs. UM coverage typically costs $5 to $15 monthly for 100/300 limits.

Additional Coverage to Consider: Rental reimbursement ($30 to $50 daily) covers transportation costs while your car is in the shop. Roadside assistance provides towing, battery service and lockout help for $15 to $25 annually.

Gap insurance matters if you owe more on your vehicle loan than the car's current value. If your financed vehicle gets totaled, gap insurance protects you from paying thousands out of pocket.

Finding the Best Car Insurance Rates in Florida

Florida's insurance market maintains moderate pricing despite higher risk factors. State minimum coverage costs $67 monthly. Full coverage averages $155 monthly with a $1,000 deductible.

Compare your quotes with these averages using the table or our Florida car insurance calculator.

Data filtered by:


Clean	$67	$155	1
Texting While Driving	$71	$171	3
Not At Fault Accident ($1000-$1999 Prop Dmg)	$71	$163	2
Speeding 11-15 MPH over limit	$79	$180	4
At Fault Accident ($1000-$1999 Prop Dmg)	$86	$209	7
DUI - BAC >= .08	$97	$245	10

HOW VIOLATIONS AFFECT YOUR RATES IN FLORIDA

DUI convictions increase Florida car insurance rates by 45%, adding $90 monthly to full coverage and triggering SR-22 certificate requirements for three years. At-fault accidents raise rates by 35% ($54 monthly), while speeding violations add 16% ($25 monthly) to full coverage premiums.

Best Florida Auto Insurance: Bottom Line

Travelers ranks first for most Florida drivers with a 4.9 overall score, balancing competitive rates ($112 monthly full coverage), customer service and coverage options. State Farm offers competitive rates for drivers with DUIs while maintaining strong local service through over 850 offices.

Compare quotes from at least three insurers. Your age, driving record and coverage needs determine which company offers the best value, as rates vary widely by driver profile.

Best Auto Insurance in Florida: FAQ

Choosing the right car insurance hinges on your specific needs. These answers to common questions help you pick suitable coverage.

What do I need to get car insurance in Florida as a new resident?

New Florida residents need a valid driver's license, vehicle registration and VIN for each vehicle. Most insurers require your Social Security number to check your credit score, which affects your rate.

You must get coverage within 30 days of establishing residency. You'll also need to provide your five-year driving history, including any accidents and violations.

If transferring from another state, update your existing policy to meet Florida's minimum requirements, which include mandatory personal injury protection (PIP) coverage.

Can I drive in Florida with out-of-state insurance?

You can drive temporarily with valid out-of-state insurance. If you establish residency (get a job, register to vote or stay more than six months), you must get Florida insurance within 30 days.

Your out-of-state policy must meet Florida's minimum requirements, including personal injury protection (PIP). Military members stationed in Florida can keep their home-state insurance but should verify their policy meets state standards.

What happens if I get caught driving without insurance in Florida?

Driving without insurance in Florida results in immediate license suspension, a $150 reinstatement fee and potential vehicle registration suspension. Subsequent offenses increase penalties to $250 for license reinstatement and $500 for registration reinstatement.

You'll need SR-22 certification for three years, substantially increasing insurance costs. If you cause an accident while uninsured, you're personally liable for all damages and medical expenses with no insurance protection.

How do I switch car insurance companies in Florida?

Purchase your new policy before canceling coverage to avoid gaps that trigger license suspension. Start your new policy the same day or the day after your old policy ends. Request cancellation in writing from your current insurer with your policy number and cancellation date. Most Florida insurers don't charge cancellation fees for policies over six months old. You'll receive prorated refunds for any unused coverage paid in advance.

Does Florida offer car insurance discounts for military members?

Most Florida insurers offer military discounts ranging from 4% to 15% for active-duty members, veterans and military spouses. USAA, GEICO, Armed Forces Insurance and Navy Federal specialize in military coverage. Ask about storage discounts during deployment, emergency payment extensions, military defensive driving course discounts and waived deductibles for vehicles damaged during deployment.

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%): We looked at quotes for different driver profiles and compared rates within Florida. Our main rating is based on a 40-year-old man with good credit, no driving violations, no claims history and a valid license. We also checked other combinations to ensure you find the right fit.
Customer experience (30%): We used sources such as Google reviews, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board. We focused on Florida-specific feedback to get an accurate score.
Coverage options (10%): This score considers the number of coverage options a company offers and the uniqueness of the offering and benefits.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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