Cheapest Car Insurance in Florida

Travelers has the cheapest car insurance in Florida, with minimum coverage at $50 monthly and full coverage at $109 monthly. That's 23% below Florida's average rates, saving most drivers between $150 and $300 annually.

Find the lowest car insurance rates in Florida below.

Written by Mark Fitzpatrick

Updated: November 14, 2025

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Compare the Cheapest Florida Car Insurance Rates

Compare the cheapest monthly car insurance rates in Florida below based on your age and driving history:

Cheapest in Florida by coverage type

Full coverage: Travelers, $109
Minimum coverage: Travelers, $50

Cheapest by driver age

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

Cheapest by driving record and credit score

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

Florida Rates refreshed: November 14, 2025

Cheapest Minimum Liability Car Insurance in Florida

Travelers has the cheapest minimum coverage car insurance in Florida at $50 monthly or $582 annually, saving drivers 23% compared to Florida's average cost. GEICO has the second lowest rates at $57 monthly, followed by State Farm at $58 monthly.


Travelers	$50	$582	23%
GEICO	$57	$680	10%
State Farm	$58	$688	8%
Metropolitan	$58	$692	8%

What Is the Least Expensive Coverage You Can Buy in Florida?

Florida requires $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Florida has low minimum coverage requirements compared to most states, resulting in cheaper rates.

See our guide to how much car insurance you need.

Cheapest Full Coverage Car Insurance in Florida

Travelers has the cheapest full coverage car insurance Travelers in Florida at $109 monthly or $1,284 annually. That's 27 percent below Florida's average. State Farm has the second least expensive option at $126 monthly, followed by UAIC at $136 monthly.


Travelers	$109	$1,284	27%
State Farm	$126	$1,504	14%
UAIC	$136	$1,630	7%
Metropolitan	$143	$1,713	2%

Should you opt for cheaper minimum coverage or full coverage in Florida? Full coverage adds collision and comprehensive protection to your liability coverage. Collision covers damage to your car when you cause an accident or hit an object. Comprehensive covers damage from Florida's weather risks and theft and makes sense for most cars.

Cheapest Car Insurance in Florida by City

Car insurance rates in Florida vary by city. Minimum coverage ranges from $46 monthly in Cape Coral to $118 monthly in Pompano Beach. Full coverage ranges from $99 monthly in Cape Coral to $238 monthly in Pompano Beach. Travelers, State Farm and GEICO have the cheapest car insurance rates across most Florida cities and choosing the cheapest provider will save you up to 55% depending on where you live.


Cape Coral	Travelers	$46	$99	54%
Clearwater	State Farm	$73	$158	37%
Coral Springs	State Farm	$100	$206	30%
Fort Lauderdale	State Farm	$99	$201	33%
Gainesville	State Farm	$50	$109	37%
Hialeah	Geico	$72	$226	40%
Hollywood	State Farm	$104	$213	33%
Jacksonville	Metropolitan Group	$58	$143	34%
Lakeland	State Farm	$60	$129	43%
Miami	Geico	$69	$218	37%
Miramar	State Farm	$92	$202	23%
Orlando	State Farm	$64	$139	38%
Palm Bay	Metropolitan Group	$64	$152	36%
Pembroke Pines	State Farm	$84	$177	37%
Pompano Beach	State Farm	$118	$238	31%
Port St. Lucie	Metropolitan Group	$55	$137	35%
St. Petersburg	State Farm	$74	$162	32%
Tallahassee	State Farm	$52	$114	38%
Tampa	Travelers	$71	$155	50%
West Palm Beach	Travelers	$72	$157	55%

Cheapest Car Insurance for Teens and Young Drivers in Florida

For 16-year-old teens, GEICO has the cheapest minimum coverage rates in Florida at $168 monthly and State Farm has the cheapest full coverage at $471 monthly. At age 20, Travelers is the lowest cost for both minimum and full coverage at $91 monthly for minimum and $207 monthly for full coverage. By age 25, rates drop and Travelers is the least expensive option at $54 monthly for minimum and $120 monthly for full coverage.

Cheapest Full Coverage for Young Drivers in Florida


16	State Farm	$471	$5,643	72%
17	Travelers	$386	$4,632	72%
18	Travelers	$306	$3,666	75%
19	Travelers	$243	$2,916	69%
20	Travelers	$207	$2,480	71%
25	Travelers	$120	$1,440	71%

Cheapest Minimum Coverage for Young Drivers in Florida


16	GEICO	$168	$2,008	76%
17	GEICO	$161	$1,925	72%
18	Travelers	$132	$1,584	73%
19	Travelers	$107	$1,273	67%
20	Travelers	$91	$1,087	69%
25	Travelers	$54	$640	69%

Cheapest Car Insurance for Seniors in Florida (Ages 65+)

For 65-year-old drivers in Florida, Travelers has the cheapest minimum coverage at $69 monthly and cheapest full coverage at $151 monthly. The cheapest rates at age 80 are with Travelers at $64 monthly for minimum coverage and $139 monthly for full coverage. At age 90, rates increase as drivers have higher accident risk, and UAIC has the cheapest full coverage at $161 monthly, though Travelers is the most competitive for minimum coverage.

Seniors in Florida will get cheaper rates by lowering their mileage estimates if they drive less and by adding senior and defensive driver discounts.

Cheapest Florida Minimum Coverage for Seniors


65	Travelers	$69	$826	44%
70	Travelers	$53	$626	66%
80	Travelers	$64	$766	67%
90	GEICO	$74	$883	66%

Cheapest Florida Full Coverage for Seniors


65	Travelers	$1,811	$1,811	49%
70	Travelers	$1,342	$1,342	69%
80	Travelers	$1,668	$1,668	71%
90	UAIC	$1,927	$1,927	70%

Cheapest Car Insurance With a DUI in Florida

State Farm has the cheapest car insurance for drivers with a DUI in Florida at $68 monthly for minimum coverage and $147 monthly for full coverage. Travelers at $77 monthly is a low-cost alternative.


State Farm	$68	$146	52%
Travelers	$77	$167	45%
Metropolitan	$100	$243	22%
Mercury	$120	$278	9%

Cheapest Car Insurance With an Accident in Florida

Travelers has the cheapest Florida car insurance after an at-fault accident at $69 monthly for minimum coverage and $151 monthly for full coverage. State Farm is the second least expensive option at $73 monthly for minimum and $156 monthly for full coverage. GEICO also have low rates at $89 monthly for minimum coverage and $291 monthly for full coverage.


Travelers	$69	$151	53%
State Farm	$73	$156	51%
GEICO	$89	$291	18%
Metropolitan	$91	$222	32%
Nationwide	$109	$229	27%

Cheapest Florida Car Insurance With a Speeding Ticket

Travelers offers the cheapest rates with a speeding ticket in Florida at $65 monthly for minimum coverage. Metropolitan ($66 monthly) and State Farm ($68 monthly) are also affordable options. The cheapest provider in Florida will save you up to 47% compared to state averages.


Travelers	$65	$144	47%
Metropolitan	$66	$163	42%
State Farm	$68	$146	46%
Nationwide	$90	$190	29%
UAIC	$146	$161	23%

Cheapest Car Insurance for Bad Credit in Florida

GEICO has the cheapest car insurance for drivers with bad credit in Florida at $87 monthly for minimum coverage. Travelers ($91 monthly) and Metropolitan ($92 monthly) offer the next least expensive rates.
Poor credit will double your insurance cost compared to drivers with good credit, since Florida allows insurers to use credit-based insurance scores when setting rates. Drivers can reduce rates by up to 36% compared to the state average buy choosing the cheapest provider.


GEICO	$87	$200	26%
Travelers	$91	$165	35%
Metropolitan	$92	$230	17%
Nationwide	$96	$179	30%
UAIC	$139	$148	27%

How to Get the Cheapest Car Insurance in Florida

Florida's car insurance rates continue to increase. Here are the strategies Florida drivers can use to get cheaper rates:

1
Compare three quotes from Florida insurers
Get at least three quotes from Florida insurers to get the cheapest rates.
2
Raise your deductibles
Increasing collision and comprehensive deductibles from $500 to $1,000 cuts your cost by an average of 14% in Florida. On a $1,500 annual policy, you'll save $150 to $225 on Florida car insurance rates.
3
Bundle your policies to get cheaper rates in Florida
Combining auto with home or renters insurance in Florida saves you 11% on average on both policies. Florida homeowners who bundle save an average of $450 annually.
4
Drop collision and comprehensive on older cars
If your car is worth less than $3,000, you'll get cheaper rates by switching to liability-only, saving you $50 to $100 monthly. Make sure you have savings to cover the cost of repairs after an at-fault accident.
5
Take a Florida-approved defensive driving course
See approved classes in Florida to lower your rate by up to 10%.
6
Stack your discounts and pay annually
You'll get cheaper rates in Florida if you combine good driver (10% to 20%), multi-car (10% to 25%), paperless billing (3% to 5%) and automatic payment or pay in full discounts.

FAQ: Car Insurance in Florida

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

What's the cheapest way to insure multiple cars in Florida?

Insuring multiple cars on a single policy saves 10% to 25% compared to separate policies. Most insurers offer multi-car discounts that increase with each vehicle you add, with the largest savings on your second vehicle.

How much does car insurance cost for a financed vs. paid-off car in Florida?

Financed cars require full coverage at $107 monthly with Travelers, while paid-off cars only need minimum coverage at $49. Dropping comprehensive and collision coverage after paying off your car saves you $58 monthly or $696 annually.

What's the cheapest car insurance for military members in Florida?

USAA has the cheapest rates in Florida, but GEICO rates are competitive after their 15% military discount.

How We Calculate the Cheapest Car Insurance Rates in Florida

We gathered auto insurance data from the Florida Office of Insurance Regulation and analyzed quotes from major insurers across all residential ZIP codes in Florida. Our analysis included more than 52 million rate comparisons in Florida to find the cheapest options for different driver profiles, coverage types, and demographics. For detailed information on our research methodology, see our car insurance methodology guide.

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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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