Cheapest Car Insurance in Florida

Compare the car insurance rates in Florida below based on your age and driving history to find your cheapest option:

Cheapest by coverage type

• Full Coverage: Travelers, $112/mo
• Minimum Coverage: Travelers, $52/mo

Cheapest by driver age

• Young Drivers: Travelers, $109/mo
• Seniors (65+): Travelers, $69/mo

Cheapest by driving record

• Clean Record: Travelers, $52/mo
• Speeding ticket: Travelers, $65/mo
• At-fault accident: Travelers, $69/mo
• DUI: State Farm, $67/mo
• Bad credit: GEICO, $87/mo

Rates refreshed October 25th 2025.

Travelers has the cheapest minimum coverage car insurance in Florida at $49 monthly or $582 annually, 23% lower than the state average. GEICO and State Farm charge $57 to $58 monthly, giving you several affordable options for liability-only coverage.

Florida's minimum coverage requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Florida is one of only two states that doesn't require bodily injury liability coverage. This is not enough coverage for most Florida drivers. With 20% of Florida drivers uninsured, strongly consider adding bodily injury liability (100/300/100 recommended) and uninsured motorist coverage to protect yourself when the at-fault driver has no insurance to pay for your injuries beyond your PIP limits. See our guide to how much car insurance you need.

Travelers has the cheapest full coverage car insurance in Florida at $107 monthly or $1,274 annually, 27% lower than the state average . State Farm ($126 monthly) and UAIC ($136 monthly) are low-cost alternatives.

Adding full coverage to your policy in Florida includes comprehensive and collision protection in addition to liability coverage, protecting your vehicle from accidents, weather damage and theft. These coverages protect you against Florida's hurricanes and flooding.

Car insurance rates in Florida vary by zip code based on local accident rates, crime levels and weather risks. Drivers in Miami pay $69 monthly for minimum coverage while Jacksonville residents pay just $58 monthly for identical coverage. Travelers, State Farm and GEICO offer the lowest rates across most Florida cities.

Young drivers in Florida pay the highest insurance costs. GEICO has the lowest rates for teen minimum coverage at $160 monthly for 18-year-olds, while Travelers offers the best full coverage rates at $175 monthly for 20-year-olds. By age 25, rates drop by 50%  with GEICO at $75 monthly for minimum coverage and Travelers at $94 monthly for full coverage.  Keep your young driver on a family plan, rather than a individual policy, to lower your cost.

Travelers has the most affordable rates for seniors at $81 monthly for minimum coverage and $116 monthly for full coverage at age 65. State Farm has competitive rates, especially for drivers 80 and older at $110 monthly for minimum coverage. Senior discounts and Florida's state-approved defensive driving courses can lower your rates by up to 10% for three years.

Drivers with violations, accidents or bad credit pay higher insurance costs in Florida, but affordable coverage is still available. The cheapest company varies by your specific violation type below.

State Farm has the cheapest car insurance for drivers with a DUI at $67 monthly for minimum coverage. Travelers ($76 monthly) is a low-cost alternative. A DUI increases your rates by 150% to 200% over a clean record.

Florida requires an FR-44 certificate for DUI convictions, which costs $15 to $25 to file with your insurer. The FR-44 mandates higher liability limits than standard policies and must stay active for three years. Any lapse in coverage restarts the three-year requirement. Shop annually after your first year with an FR-44, as some insurers offer rate reductions once you've maintained continuous coverage.

Travelers has the cheapest rates after an at-fault accident at $69 monthly for minimum coverage. State Farm ($73 monthly) and GEICO ($88 monthly) are low-cost alternatives. An at-fault accident increases your rates by 40% to 50% over a clean record.

At-fault accidents in Florida affect your rates based on claim amount and severity. Minor accidents with small claims affect rates for three years, while major accidents stay on your record for five years. Your rates drop gradually as the accident ages, with the largest decreases occurring after year three. Compare quotes annually as insurers weight accident history differently.

Travelers offers the lowest rates with a speeding ticket at $65 monthly for minimum coverage. Metropolitan Group ($66 monthly) and State Farm ($67 monthly) are also among the most affordable options. A speeding ticket increases your rates by 15% to 25% over a clean record and affects your rates for three years in Florida.

Speeding tickets in Florida add points to your license, with more points assigned for higher speeds over the limit. Some insurers offer accident forgiveness programs that also cover minor speeding tickets, keeping your rates from increasing after your first violation. Taking a traffic school course can remove points and qualify you for lower rates.

GEICO has the cheapest car insurance for drivers with bad credit at $87 monthly for minimum coverage. Travelers ($90 monthly) and Metropolitan Group ($92 monthly) offer the next least expensive rates. Poor credit can double your premiums compared to drivers with good credit, since Florida allows insurers to use credit-based insurance scores when setting rates.

Improving your credit score by even 50 to 100 points can lower your rates within six months to a year. Shop around every six months as you rebuild credit, since different insurers weight credit scores differently when calculating premiums.

The cheapest car insurance in Florida depends on your driver profile, but comparing quotes from multiple companies is the fastest way to find your lowest rate. Use the data tables above to identify which insurers offer the best rates for your age, credit score and driving history.

Related Florida Car Insurance Guides:

• Best Car Insurance Companies in Florida - Compare top-rated insurers for customer service and coverage options
• Average Car Insurance Cost in Florida - See how your rates compare to state averages
• Best Home and Auto Bundle Insurance in Florida - Save 15% to 25% by bundling policies
• SR-22 Insurance in Florida - Find affordable rates after license suspension
• High-Risk Car Insurance in Florida - Options for drivers with violations
• Non-Owner Car Insurance in Florida - Coverage if you don't own a vehicle
• Low-Income Car Insurance in Florida - Affordable options and assistance programs
• Florida Car Insurance Calculator - Get personalized rate estimates

Below, our insurance experts answer common questions about finding the most affordable car insurance coverage in Florida.

MoneyGeek collected auto insurance data from the Florida Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Florida.

For more detailed information on our methodology see details here.