Cheapest Car Insurance in Florida

Compare the monthly 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, $107
• Minimum coverage: Travelers, $49

Cheapest by driver age

• Teen drivers (16): GEICO, $168
• Young drivers (20): Travelers, $91
• Seniors (65+): Travelers, $69

Cheapest by driving record

• Clean record: Travelers, $52
• Speeding ticket: Travelers, $65
• At-fault accident: Travelers, $69
• DUI: State Farm, $68
• Bad credit: GEICO, $87

Rates refreshed: November 2, 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 and $58 monthly. Both charge less than Florida's average cost.

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 don't require bodily injury liability coverage.

Florida operates under a no-fault insurance system. Your insurance company pays for your medical expenses and lost wages after an accident, regardless of who caused it. Your PIP coverage pays 80% of medical expenses and 60% of lost wages up to the $10,000 limit. Vehicle damage claims work differently: you file property damage claims against the at-fault driver's insurance, not your own.

Minimum coverage won't protect most drivers adequately. With 20% of Florida drivers uninsured, add bodily injury liability (100/300/100 recommended) and uninsured motorist coverage to protect yourself from uninsured drivers. 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 includes comprehensive and collision protection in addition to liability coverage. Collision covers damage to your vehicle from at-fault accidents. Comprehensive covers damage from hurricanes, flooding and theft.

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.

State Farm has the lowest full coverage rates for 16-year-old teen drivers in Florida. By age 25, rates drop. Minimum coverage costs $54 monthly, and full coverage costs $120 with Travelers. Teens save by staying on a family plan instead of buying individual policies.

Travelers has the most affordable rates for seniors at $69 monthly for minimum coverage and $151 for full coverage at age 65. Senior discounts and defensive driving courses lower rates by up to 10% for three years.

The cheapest company varies depending on the type of violation. Insurers weigh violations differently, so comparison shopping will help high-risk drivers save. 

• DUI: State Farm ($68 monthly for minimum coverage), Travelers ($77)
• At-fault accident: Travelers ($69 monthly for minimum coverage), State Farm ($73)
• Speeding ticket: Travelers ($65 monthly for minimum coverage), Metropolitan ($66)
• Bad credit: GEICO ($87 monthly for minimum coverage), Travelers ($91)

Violations increase your rates differently depending on severity. A DUI raises premiums by 150% to 200%, at-fault accidents by 40% to 50%, speeding tickets by 15% to 25%, and poor credit doubles your rates. If you need SR-22 insurance, see our guide to the cheapest SR-22 coverage in Florida.

State Farm has the cheapest car insurance for drivers with a DUI at $68 monthly for minimum coverage and $147 monthly for full coverage. Travelers at $77 monthly is a low-cost alternative. A DUI increases your rates by 50% 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 lowest rates after an at-fault accident at $69 monthly for minimum coverage and $151 for full coverage. State Farm ($73) and GEICO ($89) are low-cost alternatives. An at-fault accident increases your rates by 40% to 50% over a clean record.

At-fault accidents in Florida change your rates depending on how much you claim and how serious the crash was. Minor fender-benders affect rates for three years. Major accidents stay on your record for five years. Your rates drop gradually as time passes — you'll see the biggest drops after three years. Compare quotes annually, as insurers weigh accident history differently.

Travelers offers the lowest rates with a speeding ticket at $65 monthly for minimum coverage. Metropolitan ($66 monthly) and State Farm ($68 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 ($91 monthly) and Metropolitan ($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 weigh credit scores differently when calculating premiums.

Florida's unique insurance market, with high uninsured driver rates, frequent hurricanes and high accident frequencies, means insurers price policies differently based on your specific risk profile. The cheapest car insurance in Florida goes to drivers who compare quotes and use these targeted strategies to lower rates:

Related articles to help you find better rates in Florida:

• 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.
• 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.

Our insurance experts answer common questions about finding the most affordable car insurance coverage in Florida.

Our Research Approach

Florida drivers deal with frequent hurricanes, high uninsured motorist rates and high accident rates — all factors that drive up premiums. We identified which insurers offer the lowest rates across Florida's varied risk landscape, from coastal storm zones to urban areas with high theft rates.

Data Sources and Scope

We collected auto insurance data from the Florida Office of Insurance Regulation and Quadrant Information Services. Our analysis included quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Florida. This ZIP code-level analysis captures how local factors, from Miami's congestion to the Panhandle's hurricane exposure, affect your premiums.

Sample Profiles

We gathered quotes for driver profiles across Florida's age ranges and driving histories:

• Teen drivers (16 years old) and young adults (18 to 25 years old)
• Middle-aged drivers (35 to 55 years old) with clean records
• Senior drivers (65+ years old)
• High-risk drivers with DUIs, at-fault accidents, speeding tickets and poor credit

Coverage Levels Analyzed

We compared rates for both minimum coverage (Florida's required $10,000 PIP and $10,000 property damage liability) and full coverage (minimum coverage plus comprehensive and collision). This matters: financed vehicles require full coverage while paid-off cars can drop to minimum coverage, saving you $50 to $100 monthly.

Why This Methodology Helps You Save

Our ZIP code-level analysis shows that location affects rates. Miami drivers pay $69 monthly for the minimum coverage, while Jacksonville residents pay just $58 monthly for the same coverage. By analyzing rates across all Florida ZIP codes and multiple driver profiles, we identify which insurers offer the lowest premiums for your situation.

The cheapest insurer varies depending on the driver's profile and violation history. We analyzed rates for clean records alongside common violations because the company offering you the best rate depends on how each insurer weighs your risk factors.

For more information on our methodology, see details here.