Travelers leads Florida's insurance market with the lowest rates, offering minimum coverage at $52 monthly and full coverage at $112 monthly. Florida drivers can save $90 (52%) compared to other major providers. Get quotes from State Farm, Metropolitan Group, Nationwide and GEICO too.
Cheapest Car Insurance in Florida
Updated: August 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
Travelers, State Farm and Metropolitan Group are the cheapest car insurance companies for most Florida drivers, with average savings of up to 52%.
Car insurance costs can be as low as $38 monthly for minimum coverage and $68 for full coverage policies on average in Florida.
To get the cheapest car insurance in Florida, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Florida?
| Travelers | $52 | $112 | -52% |
| State Farm | $64 | $138 | -41% |
| Metropolitan Group | $64 | $161 | -35% |
| Nationwide | $82 | $176 | -25% |
| Geico | $63 | $203 | -22% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN FLORIDA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Florida:
Best Car Insurance Rates by Category in Florida
Travelers offers the most affordable rates for Florida drivers, ranking as the cheapest option in 8 out of our 10 driver categories, while State Farm provides the lowest rates in the remaining two categories for drivers with DUIs and older cars. Find your specific rates in the table:
| Young Drivers | Travelers | $109 |
| Adult Drivers | Travelers | $51 |
| Senior Drivers | Travelers | $69 |
| Drivers With An Accident | Travelers | $69 |
| Drivers With A DUI | State Farm | $68 |
| Drivers With A Speeding Ticket | Travelers | $65 |
| Drivers With Bad Credit | Travelers | $91 |
| Drivers With Low Income | Travelers | $58 |
| Drivers With Newer Cars | Travelers | $36 |
| Drivers With Old Cars | State Farm | $42 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Florida for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Travelers offers the lowest rates at $186 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $186 | $2,233 | -40% |
| UAIC | $187 | $2,249 | -39% |
| Nationwide | $212 | $2,543 | -31% |
| Geico | $239 | $2,868 | -23% |
| Metropolitan Group | $271 | $3,256 | -12% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Florida by City
Where you live in Florida affects your insurance costs based on local crime, accidents and traffic density. Travelers charges as little as $32 in Lady Lake but $91 in Miami Gardens. Here are the cheapest providers for every Florida city.
Data filtered by:Results filtered by:
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City:Alachua
| Alachua | Travelers | $46 | -37% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Florida by Driver Age Group
We analyzed car insurance rates across Florida for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from Travelers, starting at $109 per month
- Adult drivers find the best deals with Travelers, with rates from $51 per month
- Senior drivers see the most affordable coverage through Travelers, beginning at $69 per month
Cheapest Car Insurance For Young Drivers in Florida
Young drivers in Florida get their best rates from Travelers. Minimum coverage costs $109 per month, saving drivers 49% compared to other providers. Travelers also leads for full coverage at $252 monthly, saving young drivers 53%.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $109 | $1,313 | -49% |
| Geico | $121 | $1,455 | -44% |
| Metropolitan Group | $125 | $1,503 | -42% |
| State Farm | $129 | $1,550 | -40% |
| Nationwide | $166 | $1,988 | -23% |
Cheapest Car Insurance For Adult Drivers in Florida
Travelers offers Florida's lowest rates for adult drivers: $51 monthly for minimum coverage and $112 for full coverage.
Data filtered by:Results filtered by:
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coverage_user_friendly:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $51 | $617 | -46% |
| State Farm | $62 | $750 | -35% |
| Geico | $63 | $758 | -34% |
| Metropolitan Group | $66 | $786 | -32% |
| Nationwide | $78 | $941 | -18% |
Cheapest Car Insurance For Senior Drivers in Florida
Travelers offers Florida seniors the most affordable car insurance rates for both coverage types. Full coverage costs $1,810 annually, while minimum coverage runs $826 per year.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $69 | $826 | -44% |
| Geico | $69 | $827 | -44% |
| State Farm | $76 | $917 | -37% |
| Metropolitan Group | $81 | $978 | -33% |
| Nationwide | $109 | $1,313 | -10% |
Cheapest Car Insurance For High-Risk Drivers in Florida
We studied four core areas for profiles insurers consider particularly high-risk in Florida including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: Travelers (From $91/mo)
- Cheapest With a DUI: State Farm (From $68/mo)
- Cheapest With an Accident: Travelers (From $69/mo)
- Cheapest With a Speeding Ticket: Travelers (From $65/mo)
Cheapest Car Insurance For Bad Credit in Florida
UAIC offers Florida drivers with bad credit the most affordable car insurance rates. Annual premiums start at $1,043 for minimum liability coverage and $1,770 for full coverage policies with comprehensive and collision protection.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Geico | $87 | $1,043 | -31% |
| Travelers | $90 | $1,084 | -29% |
| Metropolitan Group | $92 | $1,104 | -28% |
| Nationwide | $96 | $1,146 | -25% |
| Progressive | $116 | $1,393 | -8% |
Cheapest Car Insurance With a DUI in Florida
State Farm ranks as the most affordable option for Florida drivers with DUIs, offering annual rates of $808. Travelers provides the next best value with premiums of $913 per year.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $67 | $808 | -49% |
| Travelers | $76 | $913 | -42% |
| AIG | $99 | $1,183 | -25% |
| Metropolitan Group | $100 | $1,198 | -24% |
| Geico | $108 | $1,301 | -18% |
Cheapest Car Insurance With an Accident in Florida
Florida drivers with an accident on their record can find the most affordable coverage through Travelers at $69 per month ($825 annually).
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Travelers | $69 | $825 | -49% |
| State Farm | $73 | $870 | -46% |
| Geico | $88 | $1,058 | -35% |
| Metropolitan Group | $91 | $1,090 | -33% |
| Nationwide | $108 | $1,299 | -20% |
Cheapest Car Insurance With a Speeding Ticket
Florida drivers with speeding tickets can find the lowest insurance rates with Travelers. The provider offers minimum coverage at $779 per year, while full coverage costs $1,720 annually.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
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Credit Alignment:Good
| Travelers | $65 | $779 | -43% |
| Metropolitan Group | $66 | $786 | -43% |
| State Farm | $67 | $808 | -41% |
| Nationwide | $89 | $1,069 | -22% |
| Geico | $105 | $1,262 | -8% |
How to Get the Cheapest Car Insurance in Florida
Comparing prices alone won't get you the lowest rates in Florida. Here are proven ways to save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from multiple companies through different channels: directly from insurers, independent agents and comparison sites. Your rates can vary widely depending on how you get quotes, so try all these options.
- 2
Determine Your Coverage Needs
Figure out what coverage you need before you shop. This helps you avoid paying for extras you don't need while getting enough financial protection. You'll make better choices about coverage levels and add-ons.
- 3
Consider Lower Coverage Amounts
If you're trying to cut costs, you can lower your coverage levels and raise your deductibles. First check your finances, how much you drive and what your car is worth to make sure this makes sense.
- 4
Research Costs and Discounts
Look up average costs for drivers like you so you know what's normal. Check what discounts you qualify for and see if bundling home and auto insurance saves you money.
- 5
Explore Alternative Insurance Options
If you don't drive much, check out pay-per-mile insurance or telematics programs that track your driving. These options can save you money compared to regular policies.
- 6
Improve Your Risk Profile
Improve your credit score and keep a clean driving record. Better credit and safe driving usually mean lower rates over time.
- 7
Choose a Cost-Effective Vehicle
If you're buying a car, pick one that's cheaper to insure. Older, reliable cars usually cost less for insurance and repairs than newer or luxury models.
Risks of Getting the Cheapest Car Insurance in Florida
Florida's minimum required car insurance coverage follows a unique 0/0/10 structure plus mandatory Personal Injury Protection (PIP). As a no-fault state, Florida requires $10,000 in PIP coverage and $10,000 in Property Damage Liability, but doesn't require bodily injury liability coverage for most drivers. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Florida, average property damage claims hit $4,525 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Florida gets hit with severe weather that damages cars regularly. Hurricane Ian alone caused $60 billion in insured losses in 2022, damaging thousands of vehicles. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against floods, hurricanes and falling trees. You need this protection in Florida's storm-prone climate.
Bodily injury liability is optional but highly recommended
While Florida doesn't require bodily injury liability coverage, accidents involving serious injuries can quickly exceed your PIP coverage limits. The average bodily injury claim in Florida reached $22,734 in 2023, and you could be personally liable for costs beyond your PIP coverage if you cause a serious accident. Consider adding bodily injury liability coverage with limits of at least 25/50/25 for better financial protection.
Not having uninsured motorist coverage opens you up to unexpected costs
Florida has a serious uninsured driver problem, with 20.4% of drivers lacking insurance - the sixth highest rate nationwide. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Florida, which ranks fourth nationally for vehicle thefts in 2023. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Florida: Bottom Line
Travelers offers the lowest car insurance rates in Florida for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Florida: FAQ
Below, our insurance experts answer common questions about finding affordable car insurance coverage in Florida.
What are the cheapest car insurance companies in Florida?
Travelers provides the most affordable car insurance in Florida, with average annual rates of $618 for minimum coverage and $1,343 for full coverage. State Farm, Nationwide, GEICO and Metropolitan Group also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Florida?
Travelers provides the most budget-friendly rates for young drivers in Florida, with monthly premiums starting at $109.
Who offers the cheapest car insurance rates for seniors in Florida?
Senior drivers in Florida can find the most competitive rates with Travelers, offering policies for those 65 and older at an average of $69 per month.
Who has the cheapest car insurance in Florida for bad credit?
Travelers provides the lowest rates for bad-credit drivers in Florida, with monthly premiums averaging $91 for minimum coverage and $164 for full coverage.
Who has the cheapest car insurance in Florida with an accident?
Travelers offers the most affordable car insurance rates for Florida drivers with an accident history, starting at $69 per month for minimum coverage.
Who has the cheapest car insurance in Florida with a DUI?
State Farm provides the cheapest car insurance after a DUI in Florida, with rates of $68 monthly for minimum coverage and $148 monthly for full coverage.
Who has the cheapest car insurance in Florida for those with a speeding ticket?
If you've gotten a speeding ticket in Florida, Travelers offers the lowest rates at $65 monthly for minimum coverage and $143 for full coverage.
Should you buy the cheapest car insurance in Florida?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Travelers balances low prices with solid coverage options in Florida.
How We Found the Most Affordable Car Insurance 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.
Florida Driver Profile Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Florida We compared car insurance companies in Florida that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Florida.
As a no-fault state, Florida requires drivers to carry:
- $10,000 in Personal Injury Protection (PIP) coverage
- $10,000 for property damage liability
Note: Florida does not require bodily injury liability coverage for most drivers, making it unique among U.S. states.
For full coverage policy rates, we used the following liability limits:
- $25,000 for bodily injury liability per person (recommended addition)
- $50,000 for bodily injury liability per accident (recommended addition)
- $10,000 for property damage liability
- $10,000 in Personal Injury Protection (PIP) coverage (required)
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Auto insurance." Accessed July 31, 2025.
- Insurance Information Institute. "Facts + Statistics: Hurricanes." Accessed July 31, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists." Accessed July 31, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023." Accessed July 31, 2025.