Cheapest Car Insurance in Florida

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

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. That's 23 percent below Florida's average. GEICO has the second lowest rates at $57 monthly, followed by State Farm at $58 monthly. Minimum liability coverage works best for drivers with older, paid-off vehicles and emergency savings for repairs.

Florida requires $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Minimum coverage works for drivers with cars worth less than $5,000 and emergency savings for repairs.

Minimum coverage covers your medical bills but not vehicle damage. If you cause an accident, you pay for repairs out of pocket. If an uninsured driver hits you, your PIP covers your medical bills but not your car's damage.

Most experts recommend upgrading to 100/300/100 bodily injury and property damage limits. With 20 percent of Florida drivers uninsured, consider adding uninsured motorist coverage. If you want to protect your vehicle, add collision and comprehensive coverage. See our guide to how much car insurance you need.

Travelers has the cheapest full coverage car insurance Travelers in Florida at $107 monthly or $1,274 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.

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 weather, flooding, theft and vandalism. In Florida, full coverage is required if you're financing or leasing a vehicle. For paid-off cars, full coverage is optional but protects you from repair costs to your car after an accident. Choosing a higher deductible like $1,000 instead of $500 lowers your monthly cost.

Car insurance rates in Florida vary by city because of local accident rates, crime levels and weather risks. 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.

For 16-year-old teens, GEICO has the cheapest minimum coverage at $168 monthly and State Farm has the cheapest full coverage at $471 monthly. At age 20, Travelers is cheapest 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 cheapest option at $54 monthly for minimum and $120 monthly for full coverage. 

Younger drivers in Florida have higher rates than adults because they are inexperienced drivers. Teens save by staying on a family plan instead of buying individual policies.

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. 

Senior drivers in Florida have lower rates because of their driving experience and because they typically drive less. Florida insurers offer senior discounts and defensive driving course credits that can lower your rates by up to 10 percent.

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 50% to 200% in Florida, 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.

Travelers has the cheapest 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.

At-fault accidents in Florida increase your rates by 40 to 50 percent over a clean record. Accidents typically affect your rates for three to five years in Florida, but rates drop gradually as time passes. You'll see the biggest rate reductions after three years.

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 will double your insurance cost 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.

Our insurance experts answer common questions about finding the most affordable car insurance coverage 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 47 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 complete methodology guide.