Cheapest Car Insurance in Florida

Florida car insurance rates average $101 for minimum liability coverage $243 monthly for full coverage.  These rates are higher than most U.S. states, primarily due to weather risks and high uninsured driver rates. To get the best rates, compare the cheapest monthly car insurance coverage from Florida Insurers below based on your age and driving history below:

Cheapest in Florida by coverage type

• Full coverage: Travelers, $109
• Minimum coverage: Travelers, $50

Cheapest by driver age

• Teen drivers (16): GEICO, $168
• Young drivers (20): Travelers, $91
• Seniors (65+): Travelers, $69

Cheapest by driving record and credit score

• Speeding ticket: Travelers, $65
• At-fault accident: Travelers, $69
• DUI: State Farm, $68
• Bad credit: GEICO, $87

Cheapest Florida rates analysis refreshed on December 2nd, 2025

Travelers has the cheapest minimum liability coverage car insurance in Florida at $50 monthly or $600 annually, 23% below the state average. GEICO has the second-lowest rate at $53 per month, followed by State Farm at $57, which are both below the state average for liability coverage.

The least expensive coverage you can buy in Florida is minimum liability coverage. Florida requires $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Florida has low minimum liability requirements compared to most states, resulting in cheaper rates for this coverage type.

See our guide to how much car insurance you need.

Travelers has the cheapest full coverage car insurance in Florida at $109 monthly or $1,284 annually. That's 27% below Florida's average cost for full coverage. State Farm has the second least expensive option at $124 monthly, saving you 14% or approximately $240 annually. UAIC is an affordable regional insurer at $136 month and is also below the states average cost.

Should you opt for cheaper minimum liability-only coverage or full coverage in Florida? Full coverage adds collision and comprehensive protection to your liability coverage. Collision covers damage to your car when you cause an accident or hit an object. Comprehensive covers repair or replacement costs from Florida's weather risks and theft, which is valuable coverage given the state's frequent storms and high theft rates. Also, if you finance or lease your car in Florida, full coverage is required.

Car insurance rates in Florida vary by city. Minimum coverage ranges from $46 monthly in Cape Coral to $118 in Pompano Beach. Full coverage ranges from $99 monthly in Cape Coral to $238 in Pompano Beach. Travelers, State Farm and GEICO have the cheapest car insurance rates across most Florida cities. Choosing the cheapest provider will save you up to 55%, depending on where you live.

For 16-year-olds, GEICO has the cheapest minimum coverage rates in Florida at $168 monthly, and State Farm has the lowest full coverage rate at $471. At age 20, Travelers has the lowest monthly cost for minimum ($91) and full coverage ($207). By age 25, rates drop, with Travelers being the least expensive option at $54 monthly for minimum and $120 for full coverage.

For 65-year-old drivers in Florida, Travelers has the cheapest minimum coverage at $69 monthly and the cheapest full coverage at $151. The lowest rates at age 80 are with Travelers at $64 monthly for minimum coverage and $139 for full coverage. At age 90, rates increase as drivers have a higher accident risk, with UAIC offering the most affordable full coverage at $161 monthly, though Travelers is the most competitive for minimum coverage. 

Seniors in Florida can lower their rates by reducing their mileage estimates and by taking advantage of senior and defensive driver discounts.

State Farm has the cheapest car insurance for drivers with a DUI in Florida at $68 monthly for minimum coverage and $147 for full coverage. Travelers is a low-cost alternative at $77 monthly for minimum coverage.

Travelers has the cheapest Florida car insurance after an at-fault accident at $69 monthly for minimum coverage and $151 for full coverage. State Farm is the second least expensive option at $73 monthly for minimum and $156 for full coverage. GEICO also has low rates at $89 monthly for minimum coverage and $291 for full coverage.

Travelers offers the cheapest rates with a speeding ticket in Florida at $65 monthly for minimum coverage. Metropolitan ($66) and State Farm ($68) are also affordable options. Choosing the cheapest provider saves you up to 47% compared to state averages.
After a ticket, your car insurance rates in Florida will be impacted for 3 years.  To save, compare insurers to find a company that has a lower penalty for a ticket on your record.

GEICO has the cheapest car insurance for drivers with bad credit in Florida at $87 monthly for minimum coverage. Travelers ($91) and Metropolitan ($92) offer the next least expensive rates. 

Poor credit will double your insurance cost compared to drivers with good credit, since Florida allows insurers to use credit-based insurance scores when setting rates. Drivers can reduce rates by up to 38% compared to the state average by choosing the cheapest provider.

Our insurance experts answer common questions about finding the most affordable car insurance coverage in Florida.

We gathered auto insurance data from the Florida Office of Insurance Regulation and analyzed quotes from major insurers across all residential ZIP codes. Our analysis included more than 52 million rate comparisons to find the cheapest options for different driver profiles, coverage types and demographics.

For detailed information on our research methodology, see our car insurance methodology guide.