Best Cheap Car Insurance in Florida: Affordable Companies (2026)

Our analysis of rates and coverage across Florida's top carriers found that the best car insurance starts at $148/month, and the highest-rated carrier averages just $167/month.

Written by Mark Fitzpatrick

Updated: August 20, 2026

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Best Cheap Car Insurance Companies in Florida

Our analysis of rates and coverage across Florida found that the carriers with the lowest premiums aren't always the ones with the weakest coverage, and the ones with the strongest service records aren't always the most expensive. For most Florida drivers, the goal is finding the best car insurance company that keeps costs down without giving up valuable protection. The right pick shifts based on your age, driving history, where you live and what coverage level you're carrying.

State Farm tops our Florida rankings with a 4.50/5 MoneyGeek score and full coverage averaging $167/month, 14% below the state average. Our top five carriers all come in below the state average of $194/month for full coverage, but rates vary by as much as $35/month depending on the provider:

State Farm: Best Overall in Florida
GEICO: Best for Budget-Conscious Drivers
Allstate: Best Customer Experience
Progressive: Best for Drivers With Violations
Travelers: Best Coverage Variety


State Farm	4.5	$167	$72
GEICO	4.3	$148	$63
Allstate	4.25	$179	$78
Progressive	4.2	$176	$76
Travelers	4.15	$183	$81

Why You Can Trust MoneyGeek's Florida Ratings

MoneyGeek evaluated 15 insurance companies in Florida, including national carriers and Florida regional insurers. Rankings combine rate analysis, customer feedback, and coverage assessments across three weighted factors. MoneyGeek does not receive compensation tied to which companies rank highest. Rate data comes from Quadrant Information Services, which sources actual insurance filings across every ZIP code.

Affordability (60% of total score)

Rate quotes were gathered for multiple driver profiles using a baseline 40-year-old male driver with good credit, a clean driving record, and no prior claims. Quotes covered full coverage at 100/300/100,000 limits with a $1,000 comprehensive and collision deductible, plus state-minimum coverage. Additional quotes covered young drivers and senior drivers. Driver profiles with violations were also tested, including DUI convictions, at-fault accidents, and speeding tickets, to measure how each carrier prices each category. Affordability scores reflect the carrier's performance across all of these driver profiles, with a baseline adult-driver clean-record rate weighted most heavily.

Customer experience (30% of total score)

Customer satisfaction data was compiled from J.D. Power studies (including the 2025 U.S. Auto Insurance Study and the 2025 U.S. Auto Claims Satisfaction Study), AM Best financial strength ratings, and multi-platform review aggregation. NAIC complaint indexes also feed the composite score. J.D. Power scores shown in each carrier section are one input to the composite, not the full ranking.

Coverage options (10% of total score)

Coverage scoring measures each provider's range of coverage types and Florida-specific add-on availability. Standard coverages (bodily injury liability, property damage liability, uninsured/underinsured motorist, medical payments / PIP, comprehensive, collision) are included in the baseline score. Add-on coverages weighted in the score include accident forgiveness, new car replacement, rideshare endorsements, gap insurance, custom parts coverage, mechanical breakdown insurance, and pay-per-mile or telematics-based programs. Coverages restricted or unavailable under state law are excluded from the score for all carriers.

Rates and rankings on this page reflect a 40-year-old male driver with good credit and a clean record. Full coverage rates use 100/300/100,000 liability limits with a $1,000 comprehensive and collision deductible. Minimum coverage rates use Florida's mandatory $10K PIP + $10K PDL (Florida does NOT require Bodily Injury Liability for most private passenger vehicles) liability limits, without comprehensive or collision.

USAA is excluded from all rankings because it is available only to military members and their families, which limits its accessibility for most readers.

Best Florida Car Insurance Company Ratings

State Farm

Best Overall in Florida

MoneyGeek Rating

4.5/ 5

4.7/5Affordability

4.4/5Customer Experience

4.1/5Coverage Points

Average Monthly Full Coverage Rate
$167
Average Monthly Minimum Coverage Rate
$72

pros
- Highest MoneyGeek score in Florida at 4.50/5
- Full coverage averages $167/month, 14% below the state average
- Minimum coverage averages $72/month, second-lowest in the top five
cons
- Full coverage costs $19/month more than GEICO for clean-record drivers
- Gap insurance is not offered in Florida
State Farm earns a 4.50/5 MoneyGeek score, the highest among Florida's top-ranked carriers, and it leads on affordability. Full coverage averages $167/month with the provider, 14% below the Florida state average of $194/month. That combination of low rates and strong overall performance is what puts it at the top of our rankings. State Farm holds an AM Best A++ financial strength rating and ranks first in affordability across clean-record adult drivers.

GEICO

Best for Budget-Conscious Drivers

MoneyGeek Rating

4.3/ 5

4.6/5Affordability

4/5Customer Experience

3.9/5Coverage Points

Average Monthly Full Coverage Rate
$148
Average Monthly Minimum Coverage Rate
$63

pros
- Lowest full coverage rate in the top five at $148/month
- Lowest minimum coverage rate in the top five at $63/month
- DriveEasy telematics can lower already-competitive base rates further
cons
- J.D. Power 2025 score of 635 doesn't stand out for satisfaction
- Highest DUI rate among the top five at $341/month
- New car replacement is not available in Florida
GEICO has Florida's lowest full coverage rate among the top five at $148/month, 24% below the state average of $194/month, and minimum coverage costs just $63/month. For drivers whose primary goal is keeping premiums as low as possible, GEICO is the strongest pick in the group. It scores 4.30/5 overall and earns a 635 in J.D. Power's 2025 U.S. Auto Insurance Study, matching the regional average.

Allstate

Best Customer Experience

MoneyGeek Rating

4.3/ 5

4.2/5Affordability

4.6/5Customer Experience

4.3/5Coverage Points

Average Monthly Full Coverage Rate
$179
Average Monthly Minimum Coverage Rate
$78

pros
- Full coverage averages $179/month, 8% below the state average
- Highest J.D. Power 2025 score among Florida's top five at 638
- Gap insurance, new car replacement, and accident forgiveness all available
cons
- Full coverage rate is second-highest in the top five
- Young driver rates average $312/month, second-highest in the top five
- Drivewise telematics program has mixed reviews on rate impact
Allstate scores 638 in J.D. Power's 2025 U.S. Auto Insurance Study, the highest among Florida's top five and 3 points above the 635 regional average, and its 4.25/5 MoneyGeek score reflects both that service edge and the broadest coverage selection in the group. Full coverage averages $179/month, 8% below the state average, so it's not the cheapest option in the top five, but it's competitive for what it delivers. Drivers who want strong claims support and the widest set of add-ons, including gap insurance, new car replacement, and accident forgiveness, will find the rate difference worth it.

Progressive

Best for Drivers With Violations

MoneyGeek Rating

4.2/ 5

4.1/5Affordability

3.8/5Customer Experience

4.2/5Coverage Points

Average Monthly Full Coverage Rate
$176
Average Monthly Minimum Coverage Rate
$76

pros
- Lowest DUI rate in the top five at $263/month
- Snapshot telematics offers meaningful savings for low-mileage drivers
- Name Your Price tool helps drivers find coverage within budget
cons
- Full coverage of $176/month trails State Farm and GEICO for clean-record drivers
- J.D. Power 2025 score of 624 ranks last among the top five
- Minimum coverage averages $76/month, higher than State Farm or GEICO
Progressive offers Florida's most competitive rates for drivers with a DUI conviction among the top five, averaging $263/month after a DUI, well below the state average for that profile. Its 4.20/5 MoneyGeek score reflects that pricing advantage, along with the Name Your Price tool and Snapshot telematics program, which can drive costs down further for low-mileage drivers. Progressive's full coverage rate of $176/month is mid-pack for clean-record drivers, making it a more affordable option for drivers with violations than those without.

Travelers

Best Coverage Variety

MoneyGeek Rating

4.2/ 5

4/5Affordability

4.1/5Customer Experience

4.5/5Coverage Points

Average Monthly Full Coverage Rate
$183
Average Monthly Minimum Coverage Rate
$81

pros
- Full coverage averages $183/month, 6% below the state average
- Highest coverage score in the top five at 4.50/5
- New car replacement available for vehicles totaled within five years
cons
- Highest full coverage rate in the top five at $183/month
- Highest minimum coverage rate in the top five at $81/month
- J.D. Power 2025 score of 627 is fourth among the top five
Travelers leads the top five on coverage options, offering gap insurance, new car replacement, and rideshare endorsements in Florida, and its 4.15/5 MoneyGeek score reflects that depth. Full coverage averages $183/month, the highest rate among the top five but still 6% below the state average of $194/month and one of the more affordable providers in the state. For drivers who recently purchased or financed a vehicle, Travelers' coverage depth may justify the higher premium.

WHAT'S DIFFERENT ABOUT CAR INSURANCE IN FLORIDA

Florida's required coverage is minimal by design, but that creates real gaps for most drivers. The state only requires $10,000 in personal injury protection and $10,000 in property damage liability, and there's no bodily injury liability requirement at all. If you cause an accident and someone is seriously hurt, anything beyond that $10,000 comes out of your pocket. Florida's 20.6% uninsured driver rate makes that risk worse: if an uninsured driver hits you, your own uninsured motorist coverage is the only thing standing between you and uncovered costs.

Florida's hurricane exposure also makes comprehensive coverage a practical necessity, not an optional add-on. And if you have a DUI on your record, expect stricter requirements than most states — Florida's FR-44 filing demands higher liability limits than a standard SR-22 and stays on your record for three years.

Cheap Rates From Florida's Best Car Insurance Companies

Florida's full coverage state average is $194/month, compared to the national average of $148/month — and every carrier in our top five comes in below that state benchmark. GEICO offers the lowest rates for both full and minimum coverage among the top five, but the right choice depends on your driver profile, location, and coverage needs. The state's no-fault PIP structure, 20.6% uninsured driver rate and hurricane exposure all contribute to Florida's above-average premiums.


GEICO	$148	$63	24% below
State Farm	$167	$72	14% below
Progressive	$176	$76	9% below
Allstate	$179	$78	8% below
Travelers	$183	$81	6% below

Cheapest Florida Car Insurers by City

Travelers offers the best combination of quality and affordability across many of Florida's most populated cities, earning the highest MoneyGeek score and lowest full coverage rate in every city in our analysis. Rates range from $99/month in Cape Coral to $191/month in Hialeah, reflecting how much location alone can shift what you pay. That city-level performance stands in contrast to Travelers' statewide ranking, where it places fifth among the top five on affordability — a reminder that statewide averages don't always predict what you'll pay in your specific market.


Cape Coral	Travelers	$99
Fort Lauderdale	Travelers	$166
Hialeah	Travelers	$191
Jacksonville	Travelers	$117
Miami	Travelers	$171
Orlando	Travelers	$121
Port St. Lucie	Travelers	$112
St. Petersburg	Travelers	$122
Tallahassee	Travelers	$104
Tampa	Travelers	$155

Rates vary beyond city averages too. Use our Florida car insurance calculator to see what your specific profile and ZIP code would pay.

Coverage Options at Florida's Top Car Insurance Companies

Getting good coverage at a low price means knowing what each carrier actually offers. All five top-rated carriers in Florida cover the essentials, but add-on availability varies. Florida's hurricane exposure, high uninsured driver rate and no-fault PIP structure make coverage selection more consequential than in most states.


Bodily injury liability	✓	✓	✓	✓	✓
Property damage liability	✓	✓	✓	✓	✓
Comprehensive	✓	✓	✓	✓	✓
Collision	✓	✓	✓	✓	✓
Uninsured/underinsured motorist	✓	✓	✓	✓	✓
Medical payments / PIP	✓	✓	✓	✓	✓
Roadside assistance	✓	✓	✓	✓	✓
Rental reimbursement	✓	✓	✓	✓	✓
Accident forgiveness	✓	—	✓	✓	✓
New car replacement	—	—	✓	—	✓
Rideshare coverage	—	✓	✓	✓	✓
Gap insurance	—	—	✓	✓	✓
Custom parts coverage	—	✓	✓	✓	✓
Coverage total	9/13	10/13	13/13	12/13	13/13

Comprehensive coverage is the most important optional coverage for Florida drivers. It covers wind, hail, fallen trees, and hurricane debris, but not flood damage from storm surge. All five carriers offer it, and Allstate and Travelers both pair it with new car replacement for drivers whose vehicles could be totaled in a storm.
Uninsured motorist coverage is optional in Florida but worth adding: one in five Florida drivers is uninsured, and PIP only covers up to $10,000 in medical costs. Without UM/UIM, you're responsible for anything beyond that if an uninsured driver hits you. All five carriers offer it.
For drivers with a newer vehicle, Travelers' new car replacement is the strongest add-on in the group. It pays for a brand-new vehicle of the same make and model if yours is totaled within the first five years, a valuable protection given Florida's hurricane and collision coverage claim frequency.

How to Find the Best and Cheapest Car Insurance in Florida for Your Profile

The right carrier depends on your driver profile, location, and what you need from a policy. Here's where each of our top picks delivers the best value.

If you want the lowest possible rate:
GEICO offers Florida's lowest full coverage rate among the top five at $148/month, 24% below the state average of $194/month, and minimum coverage at just $63/month. See the full cheapest Florida car insurance breakdown for all available options by profile.
If you want the best balance of price and quality:
State Farm leads Florida with a 4.50/5 MoneyGeek score and full coverage at $167/month, the second-lowest rate in the top five. Its coverage selection includes the standard Florida risk profile, including PIP, comprehensive for hurricane exposure and UM/UIM, without the higher premiums of Allstate or Travelers.
If you want strong claims support without overpaying:
Allstate's full coverage averages $179/month, 8% below the state average, and it scores highest among the top five for customer satisfaction at 638 in J.D. Power's 2025 U.S. Auto Insurance Study. It's not the cheapest option, but it delivers more value per dollar than its rate alone suggests.
If you have a young driver in your household:
GEICO averages $264/month for young drivers in Florida, the lowest rate in the top five for that profile. Bundling home and auto can reduce that cost further.
If you have a DUI or violation on your record:
Progressive averages $263/month for drivers with a DUI in Florida, the lowest rate in the top five for that profile. Florida requires FR-44 filing with higher liability limits than a standard SR-22, maintained for three years after reinstatement. See DUI car insurance in Florida for full filing requirements and carrier comparisons.
If you live in a major Florida metro:
Travelers offers the lowest rates across Florida's most populated cities in our analysis, including Miami, Tampa and Orlando, despite ranking fifth on statewide affordability.

Best and Cheapest Florida Car Insurance: FAQ

Florida requires $10,000 in personal injury protection (PIP) and $10,000 in property damage liability, but doesn't require bodily injury liability for most drivers. That's one of the lowest coverage floors in the country, which means a basic policy may leave you personally responsible for another driver's medical bills if you cause a serious accident. Most Florida drivers should add bodily injury liability and uninsured motorist coverage given the state's 20.6% uninsured rate.

Florida's rates run high for several reasons: hurricane and tropical storm season drives up comprehensive coverage claims statewide, one in five drivers is uninsured which shifts costs to everyone else, and Miami-Dade's traffic density and litigation environment push premiums even higher. No-fault PIP also generates frequent medical claims regardless of fault.

A DUI conviction in Florida triggers FR-44 filing, which is stricter than the SR-22 required in most other states. FR-44 requires higher liability limits of 100/300/50 and must be maintained for three years after your license is reinstated. Florida and Virginia are the only states that use FR-44. For non-DUI violations, a standard SR-22 still applies.

Florida's PIP pays 80% of your medical costs and 60% of lost wages up to $10,000 per person, regardless of who caused the accident. You need to seek treatment within 14 days of the accident to qualify. One important limit: the full $10,000 benefit only applies if a doctor determines you have an Emergency Medical Condition. Otherwise your benefit is capped at $2,500, which can run out quickly in a serious accident.

Hurricane and tropical storm damage, including wind, hail, fallen trees and wind-driven debris, is covered only with comprehensive coverage. Standard comprehensive does NOT cover flood damage from storm surge or rising water; that requires separate flood insurance, which is uncommon on auto policies. Florida is the most hurricane-exposed state, so comprehensive is a practical necessity for most drivers.

No, but declining it is a significant risk. Insurers are required to offer uninsured motorist coverage at limits matching your bodily injury liability, but you can reject it in writing. With one in five Florida drivers uninsured, PIP's $10,000 cap can run out fast in a serious accident. Without UM/UIM, you'd be responsible for any costs beyond that out of pocket.

Sources

Florida Highway Safety and Motor Vehicles. “Florida Insurance Requirements.”
Florida Senate. “Florida Statute Section 627.736: Required personal injury protection benefits.”
Insurance Information Institute (III). "Facts + Statistics: Uninsured Motorists."
J.D. Power. "2025 U.S. Auto Insurance Study."
AM Best. “Ratings Services.”

For the complete breakdown of MoneyGeek's scoring weights and rate baseline construction, see our full auto insurance methodology.

About Mark Fitzpatrick

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the insurance market at LendingTree and MoneyGeek, analyzing hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

Read Full Bio »

Best Cheap Car Insurance in Florida: Affordable Companies (2026)

Best Cheap Car Insurance Companies in Florida

Best Florida Car Insurance Company Ratings

State Farm

GEICO

Allstate

Progressive

Travelers

Cheap Rates From Florida's Best Car Insurance Companies

Cheapest Florida Car Insurers by City

Coverage Options at Florida's Top Car Insurance Companies

How to Find the Best and Cheapest Car Insurance in Florida for Your Profile

If you want the lowest possible rate:

If you want the best balance of price and quality:

If you want strong claims support without overpaying:

If you have a young driver in your household:

If you have a DUI or violation on your record:

If you live in a major Florida metro:

Best and Cheapest Florida Car Insurance: FAQ

What is the minimum car insurance required in Florida?

Why is car insurance so expensive in Florida?

What is Florida's FR-44 requirement after a DUI?

What does Florida no-fault PIP cover?

Does my Florida auto policy cover hurricane and flood damage?

Is UM/UIM coverage required in Florida?

Sources

About Mark Fitzpatrick