Cheapest Car Insurance in Florida

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Updated: September 30, 2025

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Cheap Car Insurance in Florida: Key Takeaways

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Travelers has Florida's cheapest car insurance across profiles. Minimum coverage starts at $52 monthly and full coverage at $112 monthly, saving you 52% compared to Florida's average rates.

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Your specific profile determines your cheapest car insurance option in Florida. Travelers has the lowest rates for young drivers ($109/month), seniors ($69/month), and drivers with accidents ($69/month) or speeding tickets ($65/month). State Farm is the most affordable for DUI violations ($68/month), while Auto-Owners is cheapest for texting violations ($46/month).

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Minimum coverage in Florida is not enough protection. The state only requires $10,000 PIP and $10,000 property damage, with no bodily injury requirement. Add comprehensive coverage for hurricane damage, uninsured motorist protection (20% of Florida drivers lack insurance), and bodily injury liability to avoid paying thousands out of pocket after an accident.

Which Companies Have the Cheapest Minimum Coverage Car Insurance in Florida?

Travelers has the cheapest liability-only car insurance in Florida at $52 monthly or $618 annually. GEICO ($63 monthly), State Farm ($64 monthly), and Metropolitan Group ($64 monthly) follow close behind, giving you several affordable options for meeting Florida's legal requirements. Nationwide rounds out the top five at $82 monthly.

Florida's competitive insurance market keeps pricing relatively tight among major insurers. You won't see massive gaps between the top carriers like you might in other states, so it pays to compare at least three quotes to find your personal best rate.

Travelers$52-52%
Geico$63-22%
State Farm$64-41%
Metropolitan Group$64-35%
Nationwide$82-25%

Florida's minimum requirements are unusually low. The state requires $10,000 for property damage and $10,000 for personal injury protection (PIP), but no bodily injury liability coverage unless you've had certain violations. While minimum coverage meets legal requirements, consider full coverage with higher liability limits plus comprehensive and collision protection.

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Ensure you're getting the best rate for your insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

Which Companies Have the Cheapest Full Coverage Car Insurance in Florida?

Travelers offers the cheapest full coverage car insurance in Florida at $112 monthly or $1,343 annually. State Farm ($138 monthly) and Metropolitan Group ($161 monthly) provide competitive alternatives, while Nationwide ($176 monthly) and GEICO ($203 monthly) round out the affordable options.

Travelers$112$1,343
State Farm$138$1,660
Metropolitan Group$161$1,927
Nationwide$176$2,107
Geico$203$2,433

Full coverage adds comprehensive and collision protection to your liability coverage. Comprehensive covers damage to your car from weather events, theft, vandalism, and falling objects. Collision covers damage to your vehicle when you cause an accident or hit an object. Together, these coverages protect you against Florida's hurricane damage, flooding, vehicle theft, and the financial impact of at-fault accidents. With the state's high uninsured driver rate (20.4%), full coverage often is the best option unless you have a very low value car.

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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:

Compare the Cheapest Car Insurance in Florida for You

The tables above show overall winners, but the cheapest car insurance in Florida for you depends on your unique profile. Your driving record, credit score, age, and vehicle type all influence which company offers the most affordable rates in Florida. A company that's cheapest for a 40-year-old with good credit might be expensive for a young driver or someone with a DUI. This matters more in Florida than other states because insurers weigh risk factors differently in high-cost markets. Use the personalized comparison tool below to filter by your profile.

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$2,233-40%$-1,477
UAIC$187$2,249-39%$-1,461
Nationwide$212$2,543-31%$-1,166
Geico$239$2,868-23%$-841
Metropolitan Group$271$3,256-12%$-453

*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

Travelers offers the cheapest car insurance across nearly all Florida cities. The company charges as little as $32 monthly in Lady Lake but $91 monthly in Miami Gardens for the same coverage. A driver in Miami paying $78 monthly for minimum coverage would pay just $53 monthly for identical coverage in Jacksonville, saving $300 annually simply by living in a different city. 

Your city affects your car insurance costs based on traffic density, accident rates, crime levels, and local weather risks. Urban areas like Miami and Fort Lauderdale see higher premiums due to congested roads and elevated theft rates, while rural areas with less traffic offer cheaper rates.

Data filtered by:Results filtered by:
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City:
JacksonvilleTravelers$53-43%$-66
MiamiTravelers$78-45%$-100
TampaTravelers$71-50%$-113
OrlandoTravelers$55-46%$-75
St. PetersburgTravelers$56-49%$-85
HialeahTravelers$89-43%$-107
Port St. LucieTravelers$51-44%$-64
TallahasseeTravelers$47-43%$-57
Cape CoralTravelers$46-54%$-84
Fort LauderdaleTravelers$75-46%$-103
Pembroke PinesTravelers$73-43%$-89
HollywoodTravelers$85-42%$-99
GainesvilleTravelers$49-38%$-47
MiramarTravelers$71-41%$-78
Palm BayTravelers$56-47%$-80
Coral SpringsTravelers$72-47%$-104
West Palm BeachTravelers$71-55%$-140
ClearwaterTravelers$58-50%$-91
LakelandTravelers$56-45%$-74
Pompano BeachTravelers$90-45%$-115
DavieTravelers$65-41%$-72
Miami GardensTravelers$91-44%$-114
Boca RatonTravelers$64-51%$-106
SunriseTravelers$61-50%$-95
PlantationTravelers$60-47%$-86
DeltonaTravelers$43-50%$-68
Palm CoastTravelers$38-57%$-79
Fort MyersTravelers$41-55%$-80
Boynton BeachTravelers$60-56%$-124
LargoTravelers$52-51%$-85
MelbourneTravelers$42-49%$-65
Daytona BeachTravelers$38-54%$-72
North MiamiTravelers$69-48%$-103
HomesteadTravelers$68-45%$-91
KissimmeeTravelers$52-47%$-73
DoralTravelers$68-45%$-89
LauderhillTravelers$62-51%$-103
Miami BeachTravelers$68-45%$-88
Delray BeachTravelers$60-57%$-127
TamaracTravelers$61-50%$-98
WellingtonTravelers$65-50%$-105
North PortTravelers$37-52%$-66
OcalaTravelers$46-47%$-65
Port OrangeTravelers$37-54%$-71
MargateTravelers$63-46%$-86
Coconut CreekTravelers$63-47%$-89
SanfordTravelers$44-49%$-66
SarasotaTravelers$40-53%$-70
PensacolaTravelers$51-42%$-59
BradentonTravelers$42-54%$-78
AlachuaTravelers$46-37%$-43
AlafayaTravelers$51-46%$-68
AlfordTravelers$46-31%$-33
Altamonte SpringsTravelers$49-43%$-60
AlthaTravelers$44-35%$-39
AltoonaTravelers$37-55%$-71
AlvaTravelers$38-55%$-73
Anna MariaTravelers$42-54%$-79
AnthonyTravelers$38-53%$-68
ApalachicolaTravelers$44-36%$-39
Apollo BeachTravelers$55-50%$-89
ApopkaTravelers$50-46%$-69
ArcadiaTravelers$39-51%$-65
ArcherTravelers$46-38%$-44
ArgyleState Farm$43-43%$-51
AripekaTravelers$53-54%$-97
AstatulaTravelers$42-48%$-63
AstorTravelers$37-55%$-71
AuburndaleTravelers$50-45%$-67
AventuraTravelers$66-49%$-100
Avon ParkTravelers$40-51%$-65
Babson ParkTravelers$47-47%$-67
BakerState Farm$43-40%$-47
BarbervilleTravelers$37-59%$-86
BardmoorTravelers$54-50%$-85
BartowTravelers$47-47%$-66
BascomState Farm$46-31%$-33
Bayshore GardensTravelers$43-54%$-80
Bee RidgeTravelers$39-52%$-68
BellState Farm$44-40%$-46
Bellair-Meadowbrook TerraceTravelers$49-43%$-59
Belleair BeachTravelers$53-49%$-80
Belle GladeTravelers$63-44%$-78
BelleviewTravelers$35-56%$-72
BellviewTravelers$44-44%$-56
BerrydaleState Farm$43-44%$-55
Big Pine KeyMetropolitan Group$53-32%$-43
BithloTravelers$51-45%$-66
BlountstownTravelers$44-36%$-39
Boca GrandeTravelers$37-54%$-68
BokeeliaTravelers$37-55%$-72
BonifayTravelers$44-33%$-35
Bonita SpringsTravelers$37-52%$-64
BostwickTravelers$45-50%$-71
Bowling GreenTravelers$44-47%$-62
BradleyTravelers$44-51%$-73
BrandonTravelers$55-54%$-104
BranfordTravelers$43-41%$-48
BristolState Farm$46-35%$-39
BrookerTravelers$46-43%$-54
BrooksvilleTravelers$57-47%$-80
BrycevilleTravelers$45-43%$-55
Buenaventura LakesTravelers$52-47%$-73
BunnellTravelers$38-53%$-69
BushnellState Farm$44-45%$-58
CallahanTravelers$43-46%$-58
CallawayTravelers$43-40%$-46
CampbelltonState Farm$46-31%$-32
Canal PointTravelers$63-43%$-77
CandlerTravelers$38-57%$-81
CantonmentState Farm$43-44%$-55
Cape CanaveralTravelers$41-49%$-64
CaptivaTravelers$37-54%$-69
CarrabelleState Farm$46-34%$-38
CarrollwoodTravelers$66-47%$-94
CaryvilleTravelers$44-33%$-35
CassadagaTravelers$50-46%$-69
CasselberryTravelers$51-41%$-57
Cedar KeyState Farm$44-40%$-46
Center HillState Farm$44-46%$-60
CenturyState Farm$43-43%$-53
ChattahoocheeState Farm$46-35%$-40
ChevalTravelers$53-55%$-102
ChieflandState Farm$44-40%$-47
ChipleyTravelers$44-34%$-36
ChokoloskeeTravelers$37-54%$-70
ChristmasTravelers$53-42%$-61
CitraTravelers$39-51%$-65
Citrus ParkTravelers$66-46%$-88
Citrus SpringsTravelers$41-50%$-66
ClarksvilleTravelers$44-36%$-40
Clearwater BeachTravelers$63-49%$-95
ClermontTravelers$42-49%$-64
ClewistonState Farm$46-47%$-64
CocoaTravelers$46-44%$-59
Cocoa BeachTravelers$41-50%$-65
ColemanState Farm$44-45%$-57
Cooper CityTravelers$61-44%$-77
CopelandTravelers$37-55%$-72
Coral GablesTravelers$73-41%$-79
Coral TerraceTravelers$69-42%$-80
CortezTravelers$42-54%$-79
CottondaleTravelers$44-33%$-35
Country ClubTravelers$71-45%$-92
CrawfordvilleTravelers$45-38%$-44
Crescent CityTravelers$37-54%$-70
CrestviewState Farm$43-40%$-46
Cross CityState Farm$44-40%$-46
Crystal BeachTravelers$52-51%$-88
Crystal RiverTravelers$44-48%$-66
Cutler BayTravelers$69-43%$-84
Cypress LakeTravelers$38-55%$-73
Dade CityTravelers$54-49%$-83
DaniaTravelers$63-48%$-91
DavenportTravelers$50-45%$-65
DebaryTravelers$43-49%$-67
Deerfield BeachTravelers$66-47%$-93
Defuniak SpringsState Farm$43-34%$-36
De Funiak SpringsState Farm$43-34%$-36
DelandTravelers$40-52%$-70
De Leon SpringsTravelers$39-53%$-71
DestinState Farm$43-40%$-46
Doctor PhillipsTravelers$50-47%$-70
Doctors InletTravelers$44-52%$-74
DoverTravelers$56-50%$-90
DundeeTravelers$48-48%$-70
DunedinTravelers$51-53%$-89
DunnellonTravelers$42-48%$-61
DurantTravelers$56-52%$-99
Eagle LakeTravelers$46-50%$-74
EarletonTravelers$44-38%$-44
East BronsonState Farm$44-42%$-50
East LakeTravelers$52-51%$-89
Eastlake WeirTravelers$37-53%$-67
East MiltonState Farm$43-46%$-59
East PalatkaTravelers$44-46%$-60
EastpointState Farm$46-33%$-37
Eaton ParkTravelers$46-53%$-82
EbroState Farm$46-33%$-36
EdgewaterTravelers$37-54%$-71
Eglin AFBState Farm$43-39%$-45
Egypt Lake-LetoTravelers$69-51%$-113
El JobeanTravelers$37-59%$-83
ElktonTravelers$43-45%$-56
EllentonTravelers$43-54%$-80
EnglewoodTravelers$37-52%$-65
EnsleyTravelers$44-45%$-57
EsteroTravelers$39-53%$-68
EustisTravelers$41-49%$-64
Everglades CityTravelers$37-53%$-67
EvinstonTravelers$44-47%$-62
FairfieldTravelers$44-48%$-66
Feather SoundTravelers$56-48%$-81
FeldaTravelers$38-55%$-73
FellsmereTravelers$41-52%$-72
Fernandina BeachTravelers$43-44%$-55
FerndaleTravelers$42-53%$-77
Fern ParkTravelers$49-43%$-60
Ferry PassTravelers$45-44%$-56
Fisher IslandState Farm$44-64%$-125
Fish HawkTravelers$52-53%$-93
Flagler BeachTravelers$38-53%$-68
Flagler EstatesTravelers$43-45%$-57
Fleming IslandTravelers$45-47%$-64
FlorahomeTravelers$45-45%$-58
Floral CityTravelers$42-50%$-67
Florida CityTravelers$68-46%$-91
Florida RidgeTravelers$43-50%$-69
Fort Mc CoyTravelers$39-51%$-64
Fort MeadeTravelers$44-50%$-69
Fort Myers BeachTravelers$38-53%$-69
Fort OgdenTravelers$39-56%$-79
Fort PierceTravelers$50-47%$-70
Fort Pierce NorthTravelers$50-47%$-71
Fort Walton BeachState Farm$43-39%$-45
Fort WhiteTravelers$43-47%$-60
FountainTravelers$44-40%$-46
FountainebleauTravelers$68-47%$-95
Four CornersTravelers$46-48%$-68
FreeportState Farm$43-35%$-37
FrostproofTravelers$44-50%$-69
Fruit CoveState Farm$48-39%$-50
Fruitland ParkTravelers$40-50%$-64
Fuller HeightsTravelers$49-45%$-65
GenevaTravelers$44-48%$-65
GeorgetownTravelers$37-54%$-70
GibsontonTravelers$56-52%$-97
GiffordTravelers$40-54%$-74
Glen St. MaryTravelers$45-44%$-57
Glenvar HeightsTravelers$69-40%$-75
GlenwoodTravelers$39-58%$-85
Golden GateTravelers$39-51%$-64
GoodlandTravelers$41-48%$-61
GothaTravelers$52-45%$-66
GouldsTravelers$73-42%$-85
GracevilleTravelers$44-33%$-35
GrahamTravelers$45-48%$-68
GrandinTravelers$38-58%$-83
Grand IslandTravelers$40-51%$-65
Grand RidgeTravelers$46-31%$-33
Grant-ValkariaTravelers$42-51%$-69
GreenacresTravelers$62-54%$-116
Green Cove SpringsTravelers$45-45%$-59
GreensboroState Farm$46-36%$-40
GreenvilleTravelers$43-41%$-47
GreenwoodState Farm$46-31%$-33
GretnaState Farm$46-36%$-41
GrovelandTravelers$43-48%$-63
Gulf BreezeTravelers$44-46%$-59
Gulf Gate EstatesTravelers$39-52%$-67
Gulf HammockState Farm$44-39%$-45
GulfportTravelers$56-49%$-86
Haines CityTravelers$47-49%$-72
Hallandale BeachTravelers$68-43%$-83
HamptonTravelers$46-43%$-54
HavanaTravelers$44-40%$-46
HawthorneTravelers$44-43%$-54
HernandoTravelers$41-52%$-71
Highland CityTravelers$49-46%$-66
High SpringsTravelers$46-35%$-39
HilliardTravelers$45-43%$-54
Hobe SoundTravelers$52-43%$-63
HolderTravelers$41-52%$-70
HolidayTravelers$53-55%$-101
HollisterTravelers$43-47%$-62
Holly HillTravelers$38-55%$-74
Holmes BeachTravelers$42-54%$-79
HoltState Farm$43-40%$-46
HomelandTravelers$47-48%$-68
Homosassa SpringsTravelers$43-51%$-70
Horseshoe BeachTravelers$43-41%$-47
HosfordTravelers$44-39%$-44
Howey-in-the-HillsState Farm$44-46%$-60
HudsonTravelers$52-54%$-98
Hurlburt FieldState Farm$43-40%$-46
ImmokaleeTravelers$38-54%$-73
IndialanticTravelers$43-47%$-61
Indian Lake EstatesTravelers$47-48%$-69
Indian Rocks BeachTravelers$54-48%$-80
IndiantownTravelers$50-46%$-68
InglisState Farm$44-39%$-46
Inlet BeachState Farm$43-38%$-43
Intercession CityTravelers$49-49%$-76
InterlachenTravelers$38-53%$-68
InvernessTravelers$43-49%$-67
Inverness Highlands SouthTravelers$42-50%$-69
IonaTravelers$38-55%$-72
Islamorada, Village of IslandsMetropolitan Group$53-34%$-48
Island GroveTravelers$46-45%$-59
IstachattaTravelers$48-54%$-89
Ives EstatesTravelers$68-48%$-99
Jacksonville BeachTravelers$47-43%$-58
Jasmine EstatesTravelers$55-52%$-94
JasperState Farm$46-37%$-43
JenningsState Farm$46-37%$-43
Jensen BeachTravelers$50-46%$-68
JupiterState Farm$55-48%$-82
Jupiter FarmsState Farm$55-48%$-80
Jupiter FarmsTravelers$55-48%$-80
KathleenTravelers$49-47%$-69
KenansvilleTravelers$53-45%$-68
Kendale LakesTravelers$72-43%$-86
KendallTravelers$66-43%$-78
Kendall WestTravelers$71-44%$-88
Key BiscayneState Farm$71-43%$-87
Key Colony BeachMetropolitan Group$53-32%$-44
Key LargoMetropolitan Group$53-36%$-51
KeystoneTravelers$53-55%$-100
Keystone HeightsTravelers$45-44%$-55
Key WestMetropolitan Group$53-30%$-39
KillarneyTravelers$52-48%$-78
LabelleTravelers$38-54%$-71
La CrosseTravelers$45-39%$-45
Lady LakeTravelers$32-59%$-74
Lake AlfredTravelers$47-48%$-69
Lake ButlerTravelers$48-43%$-59
Lake CityTravelers$43-47%$-61
Lake ComoTravelers$38-53%$-68
Lake GenevaTravelers$32-64%$-89
Lake HamiltonTravelers$47-50%$-74
Lake HarborTravelers$55-49%$-85
Lake HelenTravelers$44-48%$-65
Lakeland HighlandsTravelers$49-45%$-63
Lake LorraineState Farm$43-39%$-44
Lake MagdaleneTravelers$66-48%$-98
Lake MaryTravelers$42-50%$-68
Lake MonroeTravelers$42-54%$-79
Lake PanasoffkeeState Farm$44-45%$-58
Lake ParkTravelers$62-53%$-110
Lake PlacidTravelers$40-49%$-63
LakeshoreTravelers$47-48%$-69
Lake WalesTravelers$47-48%$-68
Lakewood ParkTravelers$43-54%$-79
Lake WorthTravelers$62-55%$-123
LamontTravelers$43-41%$-47
Lanark VillageState Farm$46-35%$-39
Land O' LakesTravelers$54-50%$-86
LaurelTravelers$38-51%$-62
Laurel HillState Farm$43-40%$-46
LawteyState Farm$46-43%$-55
LealmanTravelers$60-46%$-82
LecantoTravelers$44-48%$-64
LeeTravelers$42-41%$-47
LeesburgTravelers$40-51%$-65
Lehigh AcresTravelers$48-54%$-89
Live OakTravelers$43-41%$-47
LloydTravelers$43-48%$-64
LochloosaTravelers$45-46%$-61
LockhartTravelers$54-47%$-75
Longboat KeyTravelers$40-52%$-68
Long KeyTravelers$42-50%$-67
LongwoodTravelers$51-41%$-57
LoridaTravelers$40-50%$-63
LoughmanTravelers$49-47%$-69
LowellTravelers$45-48%$-65
LuluTravelers$45-46%$-61
LutzTravelers$54-53%$-99
Lynn HavenTravelers$43-41%$-48
MacclennyTravelers$45-44%$-57
Madeira BeachTravelers$54-49%$-83
MadisonTravelers$42-41%$-47
MaitlandTravelers$47-49%$-71
MalabarTravelers$44-49%$-67
MaloneState Farm$46-31%$-33
MangoTravelers$55-53%$-99
MarathonMetropolitan Group$53-31%$-42
Marathon ShoresMetropolitan Group$53-38%$-57
Marco IslandTravelers$41-47%$-59
MariannaState Farm$46-31%$-33
Mary EstherState Farm$43-40%$-45
MascotteTravelers$43-48%$-64
MayoTravelers$42-42%$-48
Mc AlpinTravelers$43-42%$-50
Mc DavidState Farm$43-44%$-54
Mc IntoshTravelers$45-40%$-47
Meadow WoodsTravelers$53-45%$-70
Melbourne BeachTravelers$43-47%$-61
MelroseTravelers$38-52%$-66
Merritt IslandTravelers$43-47%$-61
Mexico BeachTravelers$44-39%$-45
Miami SpringsTravelers$62-51%$-102
MicanopyTravelers$44-40%$-46
MiccoTravelers$42-50%$-67
MiddleburgTravelers$45-46%$-62
Mid FloridaTravelers$47-49%$-72
MidwayTravelers$44-42%$-51
MilliganState Farm$43-47%$-60
MiltonState Farm$43-45%$-57
MimsTravelers$38-53%$-69
MinneolaTravelers$42-49%$-64
Miramar BeachState Farm$43-38%$-43
MolinoTravelers$46-43%$-54
MonticelloTravelers$43-42%$-49
MontverdeTravelers$42-49%$-64
Moore HavenState Farm$46-44%$-57
MorristonState Farm$44-41%$-49
Mossy HeadState Farm$43-43%$-52
Mount DoraTravelers$42-48%$-62
MurdockTravelers$39-57%$-81
Myakka CityTravelers$41-55%$-79
Myrtle GroveTravelers$43-46%$-58
NalcrestTravelers$47-48%$-70
NaplesTravelers$40-50%$-65
Naples ManorTravelers$41-47%$-58
NavarreTravelers$44-45%$-57
Neptune BeachTravelers$47-44%$-58
NewberryTravelers$46-37%$-43
New Port RicheyTravelers$54-52%$-94
New Smyrna BeachTravelers$39-52%$-68
NicevilleState Farm$43-39%$-45
NicholsTravelers$49-49%$-75
NobletonTravelers$52-46%$-70
NocateeTravelers$44-45%$-57
NomaTravelers$44-42%$-51
North Fort MyersTravelers$39-54%$-73
North LauderdaleTravelers$65-48%$-94
North Miami BeachTravelers$68-51%$-111
North Palm BeachTravelers$56-51%$-94
North Weeki WacheeTravelers$53-45%$-70
Oak HillTravelers$38-54%$-72
Oakland ParkTravelers$63-48%$-94
Oakleaf PlantationTravelers$45-47%$-65
Oak RidgeTravelers$55-50%$-88
O BrienTravelers$42-42%$-48
OchopeeTravelers$38-53%$-68
OcklawahaTravelers$38-52%$-66
OcoeeState Farm$83-41%$-89
OkahumpkaState Farm$44-44%$-56
OkeechobeeTravelers$51-51%$-83
OldsmarTravelers$53-51%$-86
Old TownState Farm$44-40%$-46
OlusteeTravelers$42-47%$-60
OnaTravelers$39-52%$-68
OnecoTravelers$41-58%$-89
Opa-lockaTravelers$72-46%$-99
Orange CityTravelers$43-50%$-68
Orange LakeTravelers$45-40%$-47
Orange SpringsTravelers$37-53%$-68
Ormond BeachTravelers$38-53%$-68
Ormond-By-The-SeaTravelers$38-54%$-72
OspreyTravelers$38-51%$-63
OsteenTravelers$37-56%$-76
Otter CreekState Farm$44-39%$-46
OviedoTravelers$45-48%$-66
OxfordTravelers$49-56%$-101
OzonaTravelers$52-55%$-101
PaceTravelers$46-44%$-56
PahokeeTravelers$63-44%$-79
PaisleyTravelers$37-55%$-72
PalatkaTravelers$38-53%$-69
Palm BeachTravelers$63-55%$-122
Palm Beach GardensTravelers$56-51%$-94
Palm CityTravelers$50-46%$-67
PalmdaleTravelers$39-52%$-66
PalmettoTravelers$42-54%$-80
Palmetto BayTravelers$65-45%$-83
Palm HarborTravelers$52-51%$-88
Palm ValleyTravelers$44-45%$-57
PanaceaTravelers$44-39%$-44
Panama CityTravelers$43-40%$-47
Panama City BeachTravelers$44-40%$-47
ParrishTravelers$41-55%$-80
Patrick AFBTravelers$44-46%$-61
PaxtonState Farm$43-45%$-57
Pelican BayTravelers$39-49%$-59
PerryTravelers$42-41%$-47
PiersonTravelers$38-54%$-71
Pine CastleTravelers$53-51%$-88
PinecrestTravelers$64-46%$-86
Pine HillsTravelers$55-53%$-98
PinelandTravelers$39-51%$-64
Pinellas ParkTravelers$52-51%$-88
Pine RidgeState Farm$44-48%$-64
PinettaTravelers$42-42%$-48
PlacidaTravelers$37-52%$-63
Plant CityTravelers$55-51%$-90
PlymouthTravelers$37-62%$-97
PoincianaTravelers$50-49%$-77
Polk CityTravelers$50-44%$-63
Pomona ParkTravelers$37-54%$-70
Ponce de LeonState Farm$43-34%$-35
Port CharlotteTravelers$37-53%$-65
Port Saint LucieTravelers$80-40%$-85
Port St. JoeTravelers$44-35%$-38
Port St. JohnState Farm$46-43%$-57
PrincetonTravelers$70-43%$-85
Punta GordaTravelers$39-49%$-60
Putnam HallTravelers$37-58%$-81
QuincyTravelers$45-37%$-42
RaifordTravelers$44-44%$-56
ReddickTravelers$44-44%$-55
Richmond WestTravelers$68-46%$-91
Ridge ManorTravelers$54-48%$-79
River RanchTravelers$47-47%$-67
RiverviewTravelers$55-52%$-95
Riviera BeachTravelers$62-53%$-111
RockledgeTravelers$45-46%$-61
RotondaTravelers$37-53%$-65
Royal Palm BeachTravelers$65-51%$-107
RuskinTravelers$55-50%$-88
Safety HarborTravelers$53-51%$-86
Saint PetersburgTravelers$86-45%$-115
SalemTravelers$43-41%$-47
San AntonioTravelers$54-49%$-83
San Carlos ParkTravelers$37-55%$-72
SandersonTravelers$44-46%$-59
SanibelTravelers$37-54%$-69
San MateoTravelers$44-46%$-60
Santa Rosa BeachState Farm$43-35%$-37
Sarasota SpringsTravelers$39-52%$-68
Satellite BeachTravelers$44-45%$-58
SatsumaTravelers$44-46%$-60
ScottsmoorTravelers$45-51%$-74
SebastianTravelers$41-52%$-70
SebringTravelers$40-50%$-64
SeminoleTravelers$53-49%$-82
SevilleTravelers$38-54%$-71
Shady GroveTravelers$43-41%$-48
Shady HillsTravelers$51-50%$-81
Siesta KeyTravelers$38-53%$-68
Silver SpringsTravelers$38-54%$-70
SneadsTravelers$46-32%$-34
SopchoppyTravelers$44-39%$-44
SorrentoTravelers$43-48%$-65
South BayTravelers$62-45%$-81
South DaytonaTravelers$38-55%$-72
SouthgateTravelers$40-51%$-66
South Miami HeightsTravelers$73-42%$-85
South VeniceTravelers$37-52%$-63
SparrTravelers$38-56%$-77
Spring HillTravelers$58-47%$-82
StarkeTravelers$46-43%$-55
St. AugustineTravelers$42-45%$-55
St. Augustine ShoresTravelers$42-45%$-55
St. CloudTravelers$52-46%$-70
SteinhatcheeTravelers$43-41%$-48
St. James CityTravelers$37-55%$-72
St. LeoTravelers$55-49%$-86
St. MarksTravelers$45-38%$-44
St. Pete BeachTravelers$54-50%$-87
StuartTravelers$51-45%$-66
Sugarmill WoodsState Farm$44-49%$-67
SumatraState Farm$46-52%$-79
SummerfieldTravelers$35-55%$-70
Summerland KeyMetropolitan Group$53-31%$-41
SumtervilleState Farm$44-44%$-56
Sun CityTravelers$48-57%$-100
Sun City CenterTravelers$55-49%$-86
Sunny Isles BeachTravelers$66-49%$-102
SunsetTravelers$66-47%$-92
SurfsideTravelers$68-45%$-87
SuwanneeTravelers$44-40%$-47
SweetwaterTravelers$76-41%$-83
SydneyTravelers$48-57%$-101
TallevastTravelers$39-57%$-82
TamiamiTravelers$69-46%$-94
Tarpon SpringsTravelers$52-52%$-89
TavaresTravelers$39-52%$-67
TelogiaTravelers$43-47%$-61
Temple TerraceTravelers$59-52%$-101
TequestaTravelers$52-50%$-82
Terra CeiaTravelers$42-54%$-80
The AcreageTravelers$60-50%$-96
The CrossingsTravelers$72-42%$-81
The HammocksTravelers$68-45%$-88
The MeadowsTravelers$40-52%$-70
The VillagesTravelers$32-59%$-74
ThonotosassaTravelers$55-51%$-93
TitusvilleTravelers$46-44%$-58
Town 'n' CountryTravelers$65-50%$-101
TrentonState Farm$44-40%$-47
TrilbyTravelers$55-52%$-95
Tyndall AFBTravelers$43-41%$-46
UmatillaTravelers$37-54%$-69
UniversityTravelers$58-48%$-85
University ParkTravelers$76-41%$-82
Upper Grand LagoonTravelers$43-41%$-47
ValparaisoState Farm$43-39%$-45
ValricoTravelers$70-51%$-119
VeniceTravelers$37-52%$-63
VenusTravelers$39-51%$-64
VernonState Farm$46-31%$-34
Vero BeachTravelers$41-52%$-71
WabassoTravelers$41-52%$-71
WaldoTravelers$44-38%$-44
WarringtonTravelers$43-45%$-58
WauchulaTravelers$44-46%$-60
WausauState Farm$46-32%$-34
WebsterState Farm$44-47%$-64
WedgefieldTravelers$51-45%$-67
WeirsdaleTravelers$35-55%$-69
Wekiwa SpringsTravelers$42-51%$-70
WelakaTravelers$44-47%$-61
WellbornTravelers$43-43%$-51
Wesley ChapelTravelers$54-50%$-85
WestchaseTravelers$53-55%$-103
West LealmanTravelers$60-46%$-81
West Little RiverTravelers$71-47%$-99
West MelbourneTravelers$42-49%$-64
WestonTravelers$58-47%$-83
West PensacolaTravelers$44-45%$-58
WestviewTravelers$78-43%$-96
WestvilleTravelers$45-32%$-34
WewahitchkaTravelers$44-35%$-39
White SpringsTravelers$44-41%$-49
WildwoodState Farm$44-44%$-56
WillistonState Farm$44-42%$-50
WimaumaTravelers$52-52%$-89
Winter GardenTravelers$52-43%$-62
Winter HavenTravelers$47-49%$-72
Winter ParkTravelers$49-47%$-68
Winter SpringsTravelers$51-41%$-57
WrightState Farm$43-39%$-45
YalahaState Farm$44-45%$-59
YankeetownState Farm$44-39%$-46
YoungstownTravelers$44-39%$-46
YuleeTravelers$43-45%$-57
ZellwoodTravelers$50-45%$-65
ZephyrhillsTravelers$53-51%$-86
Zolfo SpringsTravelers$39-52%$-69

*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

Your age significantly impacts your car insurance rates in Florida. Young drivers pay the highest premiums due to inexperience and higher accident rates, while rates decrease as drivers gain experience and reach their senior years. We analyzed rates across three age groups to find the cheapest options for each.
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 rates:

  • Young drivers can get the lowest rates from Travelers, starting at $109 per month
  • Adult drivers find the best rates with Travelers, from $51 per month
  • Senior drivers get the most affordable coverage from Travelers, as low as $69 per month

Cheapest Car Insurance for Young Drivers in Florida

Young drivers in Florida have the highest insurance costs, but Travelers offers the most affordable rates. Minimum coverage costs $109 monthly, saving young drivers 49% compared to Florida's average for this age group. Travelers also provides the cheapest full coverage at $252 monthly, which is 53% below average.

GEICO ($121 monthly) and Metropolitan Group ($125 monthly) have low cost alternatives if Travelers doesn't work for you.

Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Travelers$109$1,313-49%$-1,272
Geico$121$1,455-44%$-1,131
Metropolitan Group$125$1,503-42%$-1,082
State Farm$129$1,550-40%$-1,036
Nationwide$166$1,988-23%$-597

Cheapest Car Insurance for Adult Drivers in Florida

Adult drivers get Florida's lowest insurance rates overall. Travelers offers the most affordable coverage at $51 monthly for minimum coverage and $112 monthly for full coverage. State Farm ($62 monthly) and GEICO ($63 monthly) are affordable options.

Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Travelers$51$617-46%$-535
State Farm$62$750-35%$-402
Geico$63$758-34%$-394
Metropolitan Group$66$786-32%$-365
Nationwide$78$941-18%$-210

Cheapest Car Insurance for Senior Drivers in Florida

Travelers and GEICO tie for the most affordable minimum coverage at $69 monthly or $827 annually. For full coverage, Travelers leads at $151 monthly or $1,810 annually.

State Farm ($76 monthly) and Metropolitan Group ($81 monthly) offer low cost rates for seniors who want alternatives to Travelers and GEICO. Senior discounts and defensive driving course credits can lower car insurance rates even further.

Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Travelers$69$826-44%$-641
Geico$69$827-44%$-640
State Farm$76$917-37%$-549
Metropolitan Group$81$978-33%$-489
Nationwide$109$1,313-10%$-154

Cheapest Car Insurance for High-Risk Drivers in Florida

High-risk driver classifications increase your insurance costs in Florida. Insurers view bad credit, DUIs, accidents, speeding tickets, and texting violations as indicators of future claims, resulting in higher costs. The cheapest company for one high-risk category differs from others, so finding your specific best rate requires targeted comparison shopping. 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 Texting While Driving Violation: Auto-Owners (From $46/mo)

Cheapest Car Insurance for Bad Credit in Florida

Bad credit will double your car insurance rates in Florida on average, but GEICO offers the most affordable coverage for drivers with poor credit. Minimum coverage costs $87 monthly or $1,043 annually, while full coverage runs $148 monthly or $1,770 annually. Travelers ($90 monthly) and Metropolitan Group ($92 monthly) also have low cost coverage.
Improving your credit score over time will lower your rates with any insurer, making it worth monitoring your credit and addressing any errors on your report.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
Geico$87$1,043-31%$-479
Travelers$90$1,084-29%$-438
Metropolitan Group$92$1,104-28%$-419
Nationwide$96$1,146-25%$-376
Progressive$116$1,393-8%$-129

Cheapest Car Insurance With a DUI in Florida

State Farm has the cheapest car insurance rates in Florida for DUI drivers at $67 monthly or $808 annually for minimum coverage. Travelers ($76 monthly) provides the next best rate. Your insurance premiums will double or triple after a DUI conviction due to both the higher coverage requirements and your high-risk classification. Your DUI will affect your rates for at least three years while you maintain the FR-44 filing.

A DUI conviction increases your insurance costs and requires an FR-44 filing in Florida. The FR-44 requires higher liability limits of 100/300/50 ($100,000 per person for bodily injury, $300,000 per accident for bodily injury, and $50,000 for property damage) for three years.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
State Farm$67$808-49%$-774
Travelers$76$913-42%$-669
AIG$99$1,183-25%$-399
Metropolitan Group$100$1,198-24%$-384
Geico$108$1,301-18%$-281

Cheapest Car Insurance With an Accident in Florida

Travelers has the cheapest coverage for Florida drivers with accidents on their record. Minimum coverage costs $69 monthly or $825 annually, while full coverage runs $144 monthly or $1,720 annually. State Farm ($73 monthly) and GEICO ($88 monthly) also have affordable coverage. 

Your accident will affect your rates for three to five years, depending on the severity and your Florida insurer's policies. The impact on your premiums depends on the damage amount and whether anyone was injured. Minor fender benders increase rates less than serious accidents.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Travelers$69$825-49%$-797
State Farm$73$870-46%$-753
Geico$88$1,058-35%$-564
Metropolitan Group$91$1,090-33%$-532
Nationwide$108$1,299-20%$-324

Cheapest Car Insurance With a Speeding Ticket

Travelers has the cheapest rates for Florida drivers with speeding tickets at $65 monthly or $779 annually for minimum coverage. Full coverage costs $143 monthly or $1,720 annually. Metropolitan Group ($66 monthly) and State Farm ($67 monthly) offer nearly identical rates, giving you multiple affordable options.  A speeding ticket increases your rates less dramatically than DUIs or accidents, but you'll still pay more than drivers with clean records.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
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%

Cheapest Car Insurance With a Texting While Driving Violation

Auto-Owners offers the cheapest car insurance rates for drivers with a texting while driving violation. Minimum coverage costs just $46 monthly or $547 annually. GEICO ($50 monthly) provides a close alternative.

For full coverage after this violation, State Farm has the most affordable option at $145 monthly. Florida treats texting violations seriously because distracted driving causes thousands of accidents annually.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Auto Owners$46$547-53%$-610
Geico$50$595-49%$-561
Central Insurance$74$893-23%$-264
Progressive$79$949-18%$-207
Donegal Insurance$98$1,1752%$19

How to Get the Cheapest Car Insurance in Florida

Use these strategies to get cheaper car insurance in Florida:

  1. 1

    Shop quotes from at least three to five companies

    Florida's competitive insurance market keeps pricing tight among major carriers, but rates still vary between companies for identical coverage. A driver profile that gets the best rate from Travelers might pay less with State Farm or GEICO depending on specific risk factors. Compare at least three to five quotes to ensure you're capturing the lowest available rate in Florida.

  2. 2

    Know Florida's unique minimum requirements

    Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) to register a vehicle. Unlike most states, Florida doesn't require bodily injury liability coverage unless you've had certain violations like a DUI. While these minimums meet legal requirements, they leave you exposed to significant financial risk. Adding bodily injury liability coverage costs relatively little compared to the protection it provides.

  3. 3

    Raise deductibles if you can afford it

    Choosing higher deductibles for comprehensive and collision coverage lowers your premiums. Moving from a $500 deductible to $1,000 will save you 10% to 15% on these coverages. This trade-off only makes sense if you have enough savings to handle the higher out-of-pocket cost after a claim. In Florida, some insurers also offer separate hurricane deductibles that apply to storm damage, so understand which deductible applies to different types of claims.

  4. 4

    Stack discounts to maximize savings

    Florida's high insurance costs make discount stacking a big cost saver. Bundle your auto and home or renters policies to save 15% to 25%. Pay your premium in full rather than monthly to save 5% to 10%. Go paperless for another 3% to 5%. If you insure multiple vehicles, ask about multi-car discounts which save 10% to 25% depending on the number of vehicles.

  5. 5

    Choose coverage that fits Florida’s risks

    Florida's unique risks require specific coverage considerations:

    • Comprehensive coverage pays for theft, flooding, wind damage, hail, and falling objects. Florida ranks fourth nationally for vehicle thefts and has regular hurricane threats.
    • Collision coverage pays to repair or replace your vehicle after an at-fault accident.
    • Uninsured/underinsured motorist coverage (UM/UIM) protects you when hit by uninsured drivers. With over 20% of Florida drivers lacking insurance, this coverage is important.
    • Gap insurance covers the difference between what you owe on a financed vehicle and its actual cash value if it's totaled.
  6. 6

    Improve your driving record and credit score

    A DUI in Florida requires an FR-44 filing with liability limits of 100/300/50 for three years. Speeding tickets, at-fault accidents, and texting violations all increase your rates for three to five years. Keeping a clean driving record is one of the most effective ways to maintain affordable rates.

    Your credit score also impacts your insurance costs. Drivers with poor credit pay twice as much as those with good credit for identical coverage. Pay bills on time, reduce credit card balances, and check your credit report for errors. Improving your credit from fair to good can save you hundreds of dollars annually on car insurance in Florida.

  7. 7

    Use FAJUA only as a last resort

    If you cannot get coverage in the standard market due to multiple violations or claims, you can apply through the Florida Automobile Joint Underwriting Association (FAJUA). FAJUA premiums are much higher than standard market rates, so only use this option if regular insurers turn you down.

Risks of Getting the Cheapest Car Insurance in Florida

Florida's minimum required car insurance has a unique structure with $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability, but no bodily injury liability requirement for most drivers. Minimum coverage meets legal requirements but leaves you exposed to the following financial risks:

    accident2 icon

    Your vehicle damage won't be covered if you're at fault

    Without collision coverage, you'll pay all repair costs for your car 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.

    hurricane icon

    Weather damage to your car isn'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. Minimum 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.

    injury icon

    You're personally liable for injuries you cause

    While Florida doesn't require bodily injury liability coverage, accidents involving serious injuries can exceed your PIP coverage limits. The average bodily injury claim in Florida reached $22,734 in 2023, and you will 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 or 100/300/100 for better financial protection.

    uninsured icon

    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 and causes serious injuries, your PIP coverage only pays $10,000 for medical expenses and limited lost wages. Without uninsured motorist coverage, you're personally responsible for medical bills beyond $10,000, additional lost income, pain and suffering, and other damages.

    handcuffs2 icon

    Vehicle theft leaves you with nothing

    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.

Mark_F icon
GEEK SPEAK: MARK'S THOUGHTS ON LIABILITY-ONLY INSURANCE

Florida's no-fault system is confusing, but here's what matters: your PIP coverage pays your medical bills regardless of who caused the accident. Sounds great, right? But you're still on the hook financially if you seriously injure someone else without bodily injury liability.

And skipping comprehensive coverage in hurricane country? That's a gamble. Between flying debris, flooding, and the occasional sinkhole, Florida throws some unique risks at your car that minimum coverage won't touch.

Sure, you'll meet legal requirements, but consider whether these limits actually protect your wallet when things go south. The cheapest insurer isn't necessarily the best for your situation. If you want full coverage, scroll down for Florida's cheapest options.

Insurance Coverage Recommendations for Florida Drivers

Florida's minimum coverage requirements aren't enough coverage for almost every driver.  Here are coverage recommendations in Florida to consider:

  1. 1

    Liability Coverage in Florida

    Florida only requires $10,000 property damage liability and doesn't mandate bodily injury liability for most drivers.  We recommend:

    • 100/300/50 liability limits ($100,000 per person bodily injury, $300,000 per accident bodily injury, $50,000 property damage)
    • Higher limits if you own significant assets like a home or investment accounts
    • These limits protect you from lawsuits after serious accidents where medical bills and property damage quickly exceed Florida's minimums
  2. 2

    Uninsured/Underinsured Motorist Coverage

    With 20.4% of Florida drivers lacking insurance, UM/UIM coverage is important to protect you from uninsured drivers. Match your UM/UIM limits to your liability limits (100/300/50 minimum).

  3. 3

    Comprehensive Coverage in Florida

    Comprehensive protects your car from weather damage and theft. Florida is high risk for theft, hurricane damage, and flooding. Keep comprehensive coverage if your car is worth more than $5,000. Drop it when your annual comprehensive premium exceeds 10% of your car's actual cash value.

  4. 4

    Collision Coverage in Florida

    Keep collision coverage if your car is financed or leased as it's required by lenders in Florida.  Follow the 10% rule: drop collision when your annual premium exceeds 10% of your car's value. If you cause an accident without collision coverage, you'll pay all repair costs out of pocket.

  5. 5

    Personal Injury Protection (PIP)

    Florida requires at least $10,000 PIP coverage. Avoid choosing a PIP deductible unless the savings are meaningful. A $500 deductible might save you $20 annually but leaves you paying the first $500 of every claim out of pocket.

  6. 6

    Additional Coverage for Florida Drivers

    • Gap insurance: Required if you financed or leased your vehicle. Florida's vehicle depreciation from hurricane damage means you could owe more than your car is worth if it's totaled.
    • Rental reimbursement: Helpful in Florida where repair shops often get backed up after major storms.
    • Roadside assistance: Valuable in Florida's heat and humidity, which can cause battery failures and tire issues.

Minimum Coverage Requirements in Florida

Florida uses a no-fault insurance system, which means your own policy pays for your medical expenses after an accident, regardless of who caused it. To register and operate a vehicle, Florida drivers must have the following minimum coverage:

Insurance Coverage Type
Minimum Car Insurance Required

Personal Injury Protection (PIP)

$10,000

Property Damage Liability (PDL)

$10,000

Unlike most states, Bodily Injury Liability (BI) is not required for most drivers in Florida. However, BI coverage can be added to protect you financially if you injure others in a crash. Some drivers, such as those with a DUI conviction, may be required to carry BI at higher limits.

These minimums satisfy state law but may not be enough to fully protect against medical bills, property repairs, or lawsuits. Many Florida drivers choose to add BI, comprehensive, collision, and uninsured/underinsured motorist coverage to reduce their financial risk.

Cheapest Car Insurance in Florida: Bottom Line

Travelers has the cheapest car insurance rates in Florida for most driver profiles and coverage types, with minimum coverage starting at $52 monthly and full coverage at $112 monthly. State Farm and GEICO consistently rank as the second cheapest options across most categories, making them strong alternatives if Travelers doesn't fit your needs.

Don't let price be your only factor when choosing coverage. Florida's minimum requirements of $10,000 PIP and $10,000 property damage leave you financially exposed to serious accidents, uninsured drivers (20.4% statewide), and weather-related damage. Add bodily injury liability, comprehensive, collision, and uninsured motorist coverage to protect yourself from Florida's unique risks.

To get the cheapest car insurance in Florida, compare quotes from at least three to five companies, stack multiple discounts (bundling, telematics, pay-in-full), raise your deductibles strategically, and maintain a clean driving record and good credit score. These strategies can save you hundreds to thousands of dollars annually in Florida.

FAQ's About Cheaper Car Insurance in Florida

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

What are the cheapest car insurance companies in Florida?

Does Florida require bodily injury liability insurance?

Should you buy the cheapest car insurance in Florida?

How much does car insurance cost in Florida with a DUI?

Should I get uninsured motorist coverage in Florida?

What's the difference between stacked and non-stacked UM coverage?

Does my credit score affect my car insurance rates in Florida?

How often should I shop for car insurance 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 headshot

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.

Read Full Bio »
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