Cheapest Car Insurance in Florida

Travelers has the cheapest car insurance in Florida, with minimum liability coverage at $50 monthly and full coverage at $109. That's 23% to 27% below Florida's average, saving you up to $300 annually.

Find the lowest car insurance quotes in Florida below.

Written by Mark Fitzpatrick

Updated: November 23, 2025

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Compare the Cheapest Florida Car Insurance Quotes

Florida car insurance rates average $101 for minimum liability coverage $243 monthly for full coverage. These rats are higher than most U.S. states, primarily due to weather risks. To get the best rates, compare the cheapest monthly car insurance coverage from Florida Insurers below based on your age and driving history below:

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

Cheapest Florida rates analysis refreshed on November 19, 2025

Cheapest Minimum Liability Car Insurance in Florida

Travelers has the cheapest minimum liability coverage car insurance in Florida at $50 monthly or $582 annually, 23% below the state average. GEICO has the second-lowest rate at $57, followed by State Farm at $58, which are both below the state average for liability coverage.


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?

The least expensive coverage you can buy in Florida is minimum liability coverage. Florida requires $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Florida has low minimum liability 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 in Florida at $109 monthly or $1,284 annually. That's 27% below Florida's average. State Farm has the second least expensive option at $126 monthly, followed by UAIC at $136.


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 repair or replacement costs from Florida's weather risks and theft, valuable coverage given the state's frequent storms and high theft rates.

Cheapest Car Insurance Quotes in Florida by City

Car insurance rates in Florida vary by city. Minimum coverage ranges from $46 monthly in Cape Coral to $118 in Pompano Beach. Full coverage ranges from $99 monthly in Cape Coral to $238 in Pompano Beach. Travelers, State Farm and GEICO have the cheapest car insurance rates across most Florida cities. 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-olds, GEICO has the cheapest minimum coverage rates in Florida at $168 monthly, and State Farm has the lowest full coverage rate at $471. At age 20, Travelers has the lowest monthly cost for minimum ($91) and full coverage ($207). By age 25, rates drop, with Travelers being the least expensive option at $54 monthly for minimum and $120 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 the cheapest full coverage at $151. The lowest rates at age 80 are with Travelers at $64 monthly for minimum coverage and $139 for full coverage. At age 90, rates increase as drivers have a higher accident risk, with UAIC offering the most affordable full coverage at $161 monthly, though Travelers is the most competitive for minimum coverage.

Seniors in Florida can lower their rates by reducing their mileage estimates and by taking advantage of 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	$151	$1,811	49%
70	Travelers	$112	$1,342	69%
80	Travelers	$139	$1,668	71%
90	UAIC	$161	$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 for full coverage. Travelers is a low-cost alternative at $77 monthly for minimum coverage.


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 for full coverage. State Farm is the second least expensive option at $73 monthly for minimum and $156 for full coverage. GEICO also has low rates at $89 monthly for minimum coverage and $291 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) and State Farm ($68) are also affordable options. Choosing the cheapest provider saves you up to 47% compared to state averages.
After a ticket, your car insurance rates in Florida will be impacted for 3-years. To save, compare insurers to find a company that has a lower penalty for a ticket on your record.


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) and Metropolitan ($92) 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 38% compared to the state average by 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. Use these strategies to get cheaper rates:

1
Compare three quotes from Florida insurers
Get at least three quotes from major insurers to get the cheapest rates as rates in Florida vary by insurers. A driver paying $1,500/year with one company might pay $900/year with another for identical coverage. Rates change frequently as insurers adjust for Florida's hurricane season and claims activity, so shop annually.
2
Raise your deductibles
Increasing collision and comprehensive deductibles from $500 to $1,000 cuts your cost by an average of 14%. On a $1,500 annual policy, you'll save an average of $210 on Florida car insurance rates.
3
Bundle your policies
Combining auto with home or renters insurance in Florida saves you around 11% on both policies. Homeowners who bundle save an average of $450 annually in Florida.
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 in Florida. Only drop collision and comprehensive if you have cash savings for repairs and your car is fully paid off. Lenders and lease companies require full coverage regardless of vehicle value.
5
Take a Florida-approved defensive driving course
Taking a Florida-approved defensive driving course lowers your rate by up to 10%.
6
Stack your discounts and pay annually
Combine multiple discounts to maximize savings: good driver (10% to 20%), multi-car (10% to 25%), paperless billing (3% to 5%) and pay-in-full or automatic payment 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 $109 monthly with Travelers, while paid-off cars only need minimum coverage at $50. Dropping comprehensive and collision coverage after paying off your car saves you $59 monthly or $708 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 Calculated 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. Our analysis included more than 52 million rate comparisons 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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