Travelers has the lowest rates for 9 coverage and driver categories in Florida. State Farm and GEICO are the least expensive for the remaining 3 drives types. Compare rates in the table below based on your age, buyer profile and driving history to find the most affordable rates in Florida.
Cheapest Car Insurance in Florida
Updated: October 24, 2025
Advertising & Editorial Disclosure
Key Takeaways: Get the Cheapest Rates in Florida
Travelers has Florida's cheapest car insurance for most drivers, with minimum coverage at $52 monthly and full coverage at $112 monthly. State Farm and GEICO are low cost alternatives that are below the state's average insurance rates.
Your specific profile determines which company offers the lowest rates. Travelers has the cheapest rates for young drivers ($109/month), seniors ($69/month), and drivers with accidents ($69/month), while State Farm is cheapest for DUIs ($67/month) and GEICO for bad credit ($87/month).
Florida's average full coverage costs $234 monthly. Comparing quotes from three to five companies can save you over $1,400 annually, with rates varying by city, age, credit score and driving record.
Summary of the Cheapest Florida Car Insurance
Coverage & Driving Profile | Company | Cheapest Rate in FL |
|---|---|---|
Travelers | $52 | |
Travelers | $112 | |
Travelers | $65 | |
Travelers | $109 | |
Travelers | $69 | |
State Farm | $67 | |
Travelers | $69 | |
Travelers | $143 | |
GEICO | $87 | |
GEICO | $63 |
Cheapest Minimum Liability Car Insurance in Florida
Travelers has the cheapest minimum coverage car insurance in Florida at $52 monthly or $618 annually. GEICO, State Farm and Metropolitan Group charge $63-$64 monthly, giving you several affordable options for liability-only coverage. Minimum liability-only coverage is the cheapest type of car insurance in Florida.
| Travelers | $52 | -52% |
| Geico | $63 | -22% |
| State Farm | $64 | -41% |
| Metropolitan Group | $64 | -35% |
| Nationwide | $82 | -25% |
TIP: MINIMUM LIABILITY COVERAGE REQUIREMENTS IN FLORIDA - IS IT ENOUGH?
Low minimum state car insurance requirements in Florida means lower rates for drivers because you won't be legally required to buy higher coverage.
Florida is a no-fault state, meaning your PIP coverage pays your medical bills regardless of who caused the accident. The state's minimum coverage ($10,000 PIP and $10,000 property damage) meets legal requirements. The average bodily injury claim in Florida is $22,734 and 20.4% of drivers are uninsured, so consider adding bodily injury liability (100/300/100 recommended) and uninsured motorist coverage.
The Cheapest Full Coverage Car Insurance in Florida
Travelers has the cheapest full coverage car insurance in Florida at $112 monthly or $1,343 annually. State Farm ($138 monthly) and Metropolitan Group ($161 monthly) are low cost providers, while Nationwide ($176 monthly) and GEICO ($203 monthly) round out the most affordable options for full coverage.
| Travelers | $112 | $1,343 |
| State Farm | $138 | $1,660 |
| Metropolitan Group | $161 | $1,927 |
| Nationwide | $176 | $2,107 |
| Geico | $203 | $2,433 |
Adding “full coverage” to your policy in Florida includes comprehensive and collision protection in addition to liability coverage, protecting your vehicle from accidents, weather damage and theft. These coverages protect you against Florida's hurricanes and flooding.
Cheapest Car Insurance in Florida by City
Travelers has the cheapest car insurance across nearly all Florida cities. Car insurance rates in Florida vary by zip code based on local accident rates, crime levels and weather risks, with drivers in Miami paying $78 monthly while Jacksonville residents pay just $53 monthly for identical minimum coverage.
| Cape Coral | Travelers | $46 | -54% | $-84 |
| Clearwater | Travelers | $58 | -50% | $-91 |
| Coral Springs | Travelers | $72 | -47% | $-104 |
| Fort Lauderdale | Travelers | $75 | -46% | $-103 |
| Gainesville | Travelers | $49 | -38% | $-47 |
| Hialeah | Travelers | $89 | -43% | $-107 |
| Hollywood | Travelers | $85 | -42% | $-99 |
| Jacksonville | Travelers | $53 | -43% | $-66 |
| Lakeland | Travelers | $56 | -45% | $-74 |
| Miami | Travelers | $78 | -45% | $-100 |
| Miramar | Travelers | $71 | -41% | $-78 |
| Orlando | Travelers | $55 | -46% | $-75 |
| Palm Bay | Travelers | $56 | -47% | $-80 |
| Pembroke Pines | Travelers | $73 | -43% | $-89 |
| Pompano Beach | Travelers | $90 | -45% | $-115 |
| Port St. Lucie | Travelers | $51 | -44% | $-64 |
| St. Petersburg | Travelers | $56 | -49% | $-85 |
| Tallahassee | Travelers | $47 | -43% | $-57 |
| Tampa | Travelers | $71 | -50% | $-113 |
| West Palm Beach | Travelers | $71 | -55% | $-140 |
*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 for Teens & Young Drivers in Florida
Young drivers in Florida pay the highest insurance costs. Travelers has the lowest rates at $109 monthly for minimum coverage and $252 monthly for full coverage, saving young drivers 49% compared to Florida's average for this age group. GEICO ($121 monthly) and Metropolitan Group ($125 monthly) are the next most affordable options.
Data filtered by:
State Minimum Liability Only
Male
Good
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 Seniors in Florida (Ages 65+)
GEICO has the most affordable minimum coverage for seniors at $69 monthly or $827 annually. For full coverage, Travelers is the lowest cost 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 GEICO. Senior discounts and defensive driving course credits can lower car insurance rates even further.
Data filtered by:
State Minimum Liability Only
Male
Good
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
Drivers with violations, accidents or bad credit pay higher insurance costs in Florida, but affordable coverage is still available. The cheapest company varies by your specific violation type including:
Bad Credit | GEICO | $87/month | $148/month |
DUI | State Farm | $67/month | $145/month |
At-Fault Accident | Travelers | $69/month | $144/month |
Speeding Ticket | Travelers | $65/month | $143/month |
Texting While Driving | GEICO | $63/month | $145/month |
Cheapest Car Insurance With a DUI in Florida
If you have a DUI, here are the best rates in Florida:
- Cheapest option: State Farm at $67/month (minimum coverage)
- Low-cost alternatives: Travelers at $76/month
- Rate increase: 150-200% over clean record
- FR-44 filing required for 3 years with 100/300/50 limits
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.
Cheapest Car Insurance With an Accident in Florida
If you have an at-fault accident on your record, these are your most affordable rates:
- Cheapest option: Travelers at $69/month (minimum coverage)
- Low-cost alternatives: State Farm at $73/month, GEICO at $88/month
- Rate increase: 40-50% over clean record
- Accident affects rates for 3-5 years depending on severity
At-fault accidents in Florida affect your rates based on claim amount and severity. Minor accidents with claims affect rates for three years, while major accidents stay on your record for five years. Your rates drop gradually as the accident ages, with the largest decreases occurring after year three. Compare quotes annually as insurers weight accident history differently when determining your price.
Cheapest Car Insurance With a Speeding Ticket
If you have a speeding ticket in the last three years, these are the lowest rates in Florida:
- Cheapest option: Travelers at $65/month (minimum coverage)
- Low-cost alternatives: Metropolitan Group at $66/month, State Farm at $67/month
- Rate increase: 15-25% over clean record
- Ticket affects rates for 3 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 will qualify you for lower rates.
Cheap Car Insurance With a Texting While Driving Violation
Texting while driving has become a more common violation in Florida. GEICO has the cheapest rates for texting while driving violations at $63 monthly for minimum coverage. Metropolitan Group ($66 monthly) and State Farm ($67 monthly) are low cost alternatives. For full coverage, State Farm has the most affordable option at $145 monthly.
Cheapest Car Insurance for Bad Credit in Florida
If you have a low credit score, here are you cheapest car insurance options in Florida:
- Most affordable option: GEICO at $87/month (minimum coverage)
- Low-cost alternatives: Travelers at $90/month, Metropolitan Group at $92/month
- Rate increase: 100% (doubles your rate) over good credit
- Improves as credit score increases over time
Florida allows insurers to use credit-based insurance scores when setting rates, which means poor credit can double your premiums compared to drivers with good credit. 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.
Cheap Car Insurance in Florida: Bottom Line
Travelers has the cheapest car insurance in Florida for most drivers, with minimum coverage at $52 monthly and full coverage at $112 monthly. State Farm and GEICO offer the next most affordable rates across most driver profiles and coverage types.
Your specific profile determines your cheapest option. Compare quotes from at least three to five companies, stack discounts like bundling and pay-in-full, and maintain good credit and a clean driving record to get the lowest rates in Florida.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN FLORIDA
Below are additional guides to help you in your search for the best and most affordable car insurance in Florida for your unique driver profile.
FAQ's: Getting Cheaper Car Insurance in Florida
Below, our insurance experts answer common questions about finding affordable car insurance coverage in Florida.
Does my credit score affect my car insurance rates in Florida?
Yes, drivers with poor credit pay up to twice as much as those with good credit for identical coverage in Florida. Improving your credit from fair to good can save you $1,200+ annually on car insurance.
How much does car insurance cost in Florida with a DUI?
A DUI doubles or triples your insurance costs due to FR-44 requirements. State Farm offers the cheapest DUI rates at $67 monthly for minimum coverage. Your rates will remain elevated for at least three years while the FR-44 filing is required.
Can I get cheap car insurance in Florida if I'm under 25?
Yes, but you'll pay higher rates than older drivers. Travelers offers the cheapest rates for young drivers at $109 monthly for minimum coverage. Stay on a parent's policy if possible, maintain good grades for student discounts, and take a defensive driving course to lower costs.
What's the fastest way to lower my car insurance rates in Florida?
Compare quotes from multiple insurance companies in Florida. Raise your deductibles from $500 to $1,000 to save 10% to 15% immediately. Bundle your auto and home or renters insurance to save another 15% to 25%. These three changes alone can cut your premium by 25% to 40%.
Do Florida seniors get cheaper car insurance rates?
Yes, senior drivers (65+) pay less than young drivers but rates can increase as you age past 70. Travelers and GEICO tie for the cheapest senior rates at $69 monthly for minimum coverage.
How We Calculate 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.
For more detailed information on our methodology see details here.
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.
sources
- Insurance Information Institute. "Facts + Statistics: Auto insurance." Accessed October 20, 2025.
- Insurance Information Institute. "Facts + Statistics: Hurricanes." Accessed October 20, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists." Accessed October 20, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023." Accessed October 20, 2025.