Cheapest Car Insurance in Florida

Travelers, State Farm, UAIC, and Metropolitan Group are the cheapest car insurance companies in Florida, but the lowest rate depends on your driving profile. Travelers is cheapest for full coverage at $112 per month, State Farm for minimum coverage at $45 per month, UAIC for drivers with bad credit, and Metropolitan Group for teen drivers. You should avoid Allstate and Nationwide due to their high prices in the Florida market.

Use the table below to find the cheapest Florida car insurance for your profile:

Minimum Coverage

State Farm is the cheapest option for minimum coverage at $45 per month and Travelers is the second most affordable at $51 per month. Florida's minimum coverage includes $10,000 in personal injury protection and $10,000 in property damage liability. Minimum coverage makes sense only if you drive an older car with low value and can cover out of pocket costs on your own.

Full Coverage

Travelers is the cheapest option for full coverage at $112 per month and State Farm is the second most affordable at $127 per month. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage for your own vehicle. In Florida, where hurricanes and severe storms are common, comprehensive coverage is worth having even on older vehicles.

How to Choose

Travelers at $112 per month is the cheapest full coverage option in Florida, or about half the state average of $243 per month. State Farm at $127 per month costs just $15 more and earns the highest MoneyGeek score of the five at 4.50/5, making it the better pick if service and claims quality matter as much as price. If you are deciding between minimum and full coverage, the $61 per month difference at Travelers is $732 per year, so it is worth considering whether your car's value justifies that cost.

Adding a teen to a family policy is the cheapest way to insure a young driver in Florida. State Farm is the cheapest for 16-year-old males at $707 per month for the full family policy, and Metropolitan Group is the cheapest for 16-year-old females at $595 per month. Travelers becomes the most affordable option at 17 and stays cheapest for both genders through age 24, ending at $308 per month at 25.

If your family is on State Farm, re-shop when your teen turns 17. Staying on State Farm past 16 costs more than Travelers charges at every age through 24.

For young adults buying their own policy, Country Financial is the cheapest standalone option in Florida at $154 per month but does not appear on most national comparison tools. Travelers is second most affordable at $176 per month. Get quotes from both before deciding.

*Gender is a rating factor in Florida, so male and female rates differ. 

Teens under 18 can't legally purchase auto insurance in Florida without a parent or guardian as a co-signer. These rates reflect adding a teen to a family policy, not the total household premium.

Travelers is the cheapest option for seniors at $159 per month and State Farm is the second most affordable at $161 per month. At just $2 apart, the better choice comes down to how you drive and how you like to be served.

State Farm's Drive Safe & Save program can bring that $161 down to around $113 per month at renewal for seniors driving fewer than 7,500 miles per year, which is cheaper than Travelers' base rate. If you drive less since retiring, that discount alone makes State Farm the better pick.

State Farm is the cheapest in Florida's four most expensive cities: Hialeah at $219 per month, Miami at $212, Fort Lauderdale at $177, and Tampa at $169. Travelers is the cheapest everywhere else in the state.

Florida is the only state in this series where your ZIP code alone can swing your rate by an average of $110 a month with the same insurer and same coverage. That is $1,320 a year purely based on where you live within the state. The same carrier charges $107 more per month in Hialeah than in Cape Coral for an identical driver. If you are moving anywhere in Florida, re-shop before you sign a lease.

State Farm prices a DUI identically to a texting violation: $145 per month for both. It is the only carrier in MoneyGeek's Florida data that doesn't tier impaired driving higher than distracted driving. Travelers is cheaper after a speeding ticket ($151) and an at-fault accident ($155).

UAIC prices poor credit below every other carrier's standard rates at $148 per month because nonstandard underwriting is its business model. The tradeoff: no online account management, no bundling discounts, limited service infrastructure. Once credit improves to good, Travelers at $112 per month is the better option, and the gap between UAIC and Travelers inverts.

Drivers with multiple violations can see additional options in Florida's high-risk car insurance market.

MoneyGeek analyzed rates from Quadrant Information Services across all residential ZIP codes in Florida. The analysis covers 11 car insurance companies for minimum and full coverage comparisons and violation profiles.

• Baseline driver profile: 40-year-old male, clean driving record, good credit, 100/300/100 full coverage, $1,000 deductible. All rates on this page reflect this profile unless the section specifies otherwise.
• Young drivers: Ages 16 through 25 on a family policy, split by gender. Florida uses gender as a rating factor.
• Seniors: 65-year-old driver, same vehicle and coverage as the baseline.
• Violations: Baseline profile with one driving record variable changed; all other variables held constant.
• Poor credit: Baseline profile with credit tier changed to poor. Florida allows credit as a rating factor. The spread between good-credit and poor-credit rates averages $34 per month across standard carriers in MoneyGeek's Florida data.
• Coverage tier: Full coverage reflects 100/300/100 liability limits with a $1,000 deductible. Minimum coverage reflects Florida's required minimums: $10,000 PIP and $10,000 property damage liability. Bodily injury liability is not required for most Florida drivers.
• USAA: Excluded from provider tables; available only to military, veterans, and immediate family. Eligible drivers should include USAA in any quote comparison.
• State-specific notes: Florida is a no-fault state; PIP covers first-party medical costs regardless of fault. UAIC is a specialty nonstandard insurer included for the bad credit profile. An FR-44 filing is required after a DUI in Florida; minimum liability limits of $100,000/$300,000/$50,000 per Florida Statute § 324.023; the filing period is three years from license reinstatement per the Florida Department of Highway Safety and Motor Vehicles. SB 522 (2026), which proposed eliminating PIP in favor of an at-fault system, died in committee on March 31, 2026; current minimums remain in effect.

See our full methodology.