Cheapest Car Insurance in Florida for 2026

Florida ranks as the most expensive state for car insurance, with full coverage averaging $243/month, about twice the national average. Travelers, State Farm, Metropolitan Group, and UAIC are the cheapest insurers in the Florida, depending on your unique driver profile:  

Cheapest in Florida by coverage type

• Full coverage: State Farm, $127/month
• Minimum coverage: Travelers, $59/month

Cheapest by driver age

• Teen drivers (age 16) on a family policy add-on: Metropolitan Group, $595/month (female) / State Farm, $707/month (male)
• Seniors (65+): Travelers, $151/month

Cheapest by driving record and credit score

• Speeding ticket: Travelers, $143/month
• At-fault accident: Travelers, $150/month
• DUI: State Farm, $145/month
• Texting while driving: State Farm, $145/month
• Bad credit: UAIC, $148/month

Travelers is the cheapest for minimum coverage in Florida at $59 per month, but State Farm is only $3 more per month.. State Farm is the lowest cost for for full coverage at $127 per month versus  Rates between insurers in the state vary more than most states and  choosing State Farm over GEICO for full coverage saves $71 per month or $852 per year. 
Based on our analysis, we recommend State Farm for both full coverage and liability-only coverage due to its stronger customer service and claims scores, giving it a rating of 4.8 versus Travelers at 4.38 rating out of 5. For a broader look at insurer customer service scores alongside price, see the best car insurance in Florida.

Florida is the most expensive state for car insurance, driven by a 20% uninsured driver rate, frequent weather-related claims, and other factors. There are several ways to lower your car insurance rate despite the state's higher rates:

• Compare at least three quotes. The gap between Travelers at $131 per month and Allstate at $380 per month for identical full coverage is $3,000 per year. No other single action saves more based on our analysis.
• Raise your deductible if you live inland. Moving from a $500 to $1,000 deductible saves 15% to 30% on comprehensive and collision premiums.
• Re-shop when violations age off. Most violations affect your rate for three years in Florida. Shopping after this time will get you lower standard rates.
• Improve your credit score before renewal. Carriers use credit-based insurance scoring in Florida. Improving your credit score can drop your rate by as much as 50%.
• Enroll in a telematics program. Travelers IntelliDrive and State Farm Drive Safe & Save are offered in Florida and will lower the rate of low-mileage drivers in Florida See our guide to usage-based and pay-per-mile car insurance.
• Bundle home and auto. Most Florida carriers offer 10% to 25% off when you combine policies. Given Florida's higher rates, the dollar savings from bundling are higher here than in most states.

Travelers is the cheapest provider in six of the ten cities we analyzed. State Farm leads in the four most expensive markets: Miami, Hialeah, Fort Lauderdale and Tampa. Cape Coral is the cheapest city at $112 per month and Hialeah is the most expensive at $219 per month, a $107 per month or $1,284 per year gap within the same state for the same coverage level. Use our personalized Florida car insurance calculator for coverage and rate estimates.

South Florida consistently produces the highest rates in the state. Miami, Hialeah and Fort Lauderdale all top $175 per month, driven by high traffic density, weather risk, elevated fraud rates and a concentration of uninsured drivers above the statewide average. North and inland Florida costs less. Tallahassee at $114 per month, Jacksonville at $118 per month and Orlando at $129 per month reflect lower population density, lower weather risk, and fewer fraud-related claims.

Age is one of the biggest factors in what you pay for car insurance in Florida. 

Teen drivers pay the most, rates fall steadily through your 20s and reach their lowest point in middle age.  Rates in Florida increase slowly over time for seniors after the age of 65 due to increased risk of accident as driver age.

Travelers is cheapest for speeding tickets ($143/month) and at-fault accidents ($150/month). State Farm is cheapest for DUI ($145/month) and texting while driving ($145/month). UAIC, a specialty nonstandard insurer, is cheapest for bad credit at $148/month, a rate most standard carriers can't match for drivers with poor credit history. 
According to the Florida Department of Highway Safety and Motor Vehicles, traffic violations remain on your driving record for 3 or 7 years, based on the severty of the violation. After this period, your rates in Florida will start to decrease and its a great time to comparison shop for insurance. Drivers with multiple violations can see additional options in Florida's high-risk car insurance market.

Buying the cheapest minimum coverage in Florida won't protect the assets of most drivers and it won't protect your car unless you add comprehensive and collision Instead, determine the coverage you need and then find the cheapest insurer for that coverage. See how much car insurance you need.   

Florida's Minimum Car Insurance Requirement

Florida has extremely low minimum coverage requirements. It requires every driver to carry $10,000 in Personal Injury Protection and $10,000 in property damage liability. Property damage liability covers damage you cause to other vehicles or property. 

What Florida does not require is bodily injury liability, which is the coverage that pays for injuries you cause to other people in an accident you cause. "Most Florida drivers do not realize their minimum policy offers essentially no protection for the person they injure," says Mark Friedlander, Property and Casualty Insurance expert. "In a state with a 20% uninsured driver rate and no bodily injury requirement, carrying only the minimum is one of the riskiest financial decisions a driver can make."