Cheapest Car Insurance in Florida for 2026

Car insurance is so expensive in Florida because high population density and heavy tourist traffic in South Florida push accident frequency above the national average. The no-fault PIP system historically generates elevated medical fraud rates, raising costs for all policyholders. Florida's uninsured driver rate is approximately 20%, one of the highest nationally per the Insurance Research Council.

All of these factors together make average cost of car insurance in Florida the highest in the country.

Minimum coverage averages $101 a month statewide; full coverage averages $243 a month, a $142 a month ($1,704 a year) gap. With Travelers, the gap narrows to $61 a month ($51 minimum vs. $112 full coverage). Florida's $10,000 PIP covers first-party medical costs regardless of fault but nothing for vehicle damage. The $10,000 PDL limit is low, and a modern vehicle repair can easily exceed it.

The full coverage benchmark is 100/300/100: $100,000 per person bodily injury, $300,000 per accident and $100,000 property damage, plus comprehensive coverage and collision coverage with a $1,000 deductible. A crash causing $40,000 in medical costs for one person leaves the driver liable for the full $40,000 under Florida's minimum (no bodily injury liability required); the 100/300/100 benchmark covers the full amount. Comprehensive coverage matters especially in Florida for hurricane damage, flooding and hail. Use the car insurance calculator for Florida or figure out how much car insurance you need to choose the right level.

The tables below reflect rates for adding a young driver to a family policy add-on (not a standalone policy). Metropolitan Group at $595/month is the cheapest for females at age 16 on a family policy add-on; this figure is consistent with the intro section above. The standalone policy tables above show lower absolute figures (e.g., Travelers at $252/month for females age 16) because they reflect a different rating scenario — an individual policy rather than an add-on to an existing family policy. Both data series are sourced from the same Quadrant Information Services 2026 dataset but represent different policy structures.

Get quotes from Metropolitan Group for female drivers and State Farm for male drivers at age 16 on a family policy, then reassess annually as the cheapest provider shifts. Our guide to car insurance rates by age covers how premiums shift across age groups.

Travelers is the cheapest car insurance for seniors in Florida at $151 a month, $39 above its standard adult rate of $112 a month. That surcharge reflects Florida's elevated baseline combined with typical senior actuarial adjustments. State Farm is second at $163 a month, $12 more than Travelers. Allstate is the most expensive of the five at $289 a month, $138 more than Travelers ($1,656 a year).

Defensive driving course discounts and bundling home and auto can help offset Florida's high baseline rates.

Travelers is cheapest after a speeding ticket at $143 a month, $31 above its clean-record rate of $112 a month. State Farm at $145 a month is practically tied. Nationwide is the most expensive of the five at $190 a month, $47 more than Travelers ($564 a year).

Travelers is cheapest after an at-fault accident at $150 a month, $38 above its clean-record rate of $112 a month. State Farm is second at $155 a month. Nationwide is the most expensive of the five at $229 a month, $79 more than Travelers ($948 a year). Review high-risk car insurance in Florida for additional options.

State Farm is cheapest after a DUI at $145 a month. Travelers is second at $166 a month. Mercury is the most expensive of the five at $277 a month, $132 more than State Farm ($1,584 a year). After a DUI, Florida requires an SR-22 filing. Our guide to car insurance after a DUI in Florida covers provider options.

State Farm is cheapest after a texting while driving violation at $145 a month. Travelers is second at $153 a month. Nationwide is the most expensive of the five at $190 a month, $45 more than State Farm ($540 a year).

UAIC, a specialty nonstandard insurer, is cheapest for drivers with bad credit at $148 a month, $16 less than Travelers at $164 a month and well below most standard carriers. UAIC's positioning as a high-risk specialist makes it more competitive for drivers with bad credit. Progressive is the most expensive of the five at $214 a month, $66 more than UAIC ($792 a year).

Insurers use a credit-based insurance score (a proprietary measure from credit report data, distinct from a FICO score) to predict claim likelihood. Our guide to low-income car insurance in Florida covers additional options.