Cheapest Car Insurance in Florida

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

Cheapest by coverage type

• Full Coverage: Travelers, $107/mo
• Minimum Coverage: Travelers, $49/mo

Cheapest by driver age

• Teen Drivers (16): GEICO, $168/mo
• Young Drivers (20): Travelers, $91/mo
• Seniors (65+): Travelers, $69/mo

Cheapest by driving record

• Clean Record: Travelers, $52/mo
• Speeding ticket: Travelers, $65/mo
• At-fault accident: Travelers, $69/mo
• DUI: State Farm, $68/mo
• Bad credit: GEICO, $87/mo

Rates refreshed November 2nd, 2025

Travelers has the cheapest minimum coverage car insurance in Florida at $49 monthly or $582 annually, 23% lower than the state average. GEICO and State Farm charge $57 to $58 monthly, giving you multiple affordable car insurance companies for liability-only coverage that is below Florida's average cost.

Florida's minimum coverage requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Florida is one of only two states that doesn't require bodily injury liability coverage.

Florida operates under a no-fault insurance system. This means your own insurance company pays for your medical expenses and lost wages after an accident, regardless of who caused it. Your PIP coverage pays 80% of medical expenses and 60% of lost wages up to the $10,000 limit. The no-fault system only applies to injuries and vehicle damage claims work differently. You file property damage claims against the at-fault driver's insurance, not your own. 

Minimum coverage is not enough for most drivers. With 20% of Florida drivers uninsured, consider adding bodily injury liability (100/300/100 recommended) and uninsured motorist coverage to protect yourself when the at-fault driver has no insurance to pay for your injuries beyond your PIP limits. See our guide to how much car insurance you need.

Travelers has the cheapest full coverage car insurance in Florida at $107 monthly or $1,274 annually, 27% lower than the state average . State Farm ($126 monthly) and UAIC ($136 monthly) are low-cost alternatives when you need full coverage.

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.  Collision protects your car when an at-fault accident occurs and comprehensive protects your car from damage caused by Florida's hurricanes or flooding and for theft.

Car insurance rates in Florida vary by zip code based on local accident rates, crime levels and weather risks. Drivers in Miami pay $69 monthly for minimum coverage while Jacksonville residents pay just $58 monthly for identical coverage. Travelers, State Farm and GEICO offer the lowest rates across most Florida cities.

State Farm has the lowest full coverage rates for 16-year-old teen drivers and GEICO has the cheapest liability-only rates at $168 per month.  

For 18-year-olds, Travelers has the cheapest full coverage car insurance at $306 per month and the lowest rates for teen minimum coverage at $132 monthly. 

By age 25, rates drop and  Travelers is the least expensive at $54 monthly for minimum coverage and $120 monthly for full coverage. Young drivers pay more for car insurance, but will get lower rates by staying on a family plan, rather than an individual policy.

Travelers has the most affordable rates for seniors at $69 monthly for minimum coverage and $151 monthly for full coverage at age 65. Travelers continues to offer competitive rates for 80-year-old drivers, with minimum coverage at $64 monthly.  Florida seniors older than 80 will get the cheapest rates from GEICO starting at $74 per month. Senior discounts and Florida's state-approved defensive driving courses will lower your rates by up to 10% for three years.

The cheapest company varies by your specific violation type. Insurers weigh violations differently, so comparison shopping will help high-risk drivers save. 

• DUI: State Farm ($68/month minimum coverage), Travelers ($77/month)
• At-fault accident: Travelers ($69/month minimum coverage), State Farm ($73/month)
• Speeding ticket: Travelers ($65/month minimum coverage), Metropolitan Group ($66/month)
• Bad credit: GEICO ($87/month minimum coverage), Travelers ($91/month)

Violations increase your rates differently depending on severity. A DUI raises premiums by 150% to 200%, at-fault accidents by 40% to 50%, speeding tickets by 15% to 25%, and poor credit will double 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/mo for full coverage. Travelers at $77 monthly is a low-cost alternative. A DUI increases your rates by 50% to 200% over a clean record.

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.

Travelers has the cheapest rates after an at-fault accident at $69 monthly for minimum coverage and $151 monthly for full coverage. State Farm ($73 monthly) and GEICO ($89 monthly) are low-cost alternatives. An at-fault accident increases your rates by 40% to 50% over a clean record.

At-fault accidents in Florida affect your rates based on claim amount and severity. Minor accidents with small 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.

Travelers offers the lowest rates with a speeding ticket at $65 monthly for minimum coverage. Metropolitan Group ($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 Group ($92 monthly) offer the next least expensive rates. Poor credit can double your premiums 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 weight credit scores differently when calculating premiums.

Related article to help you find better rates in Florida:

• Best Car Insurance Companies in Florida - Compare top-rated insurers for customer service and coverage options
• Average Car Insurance Cost in Florida - See how your rates compare to state averages
• Best Home and Auto Bundle Insurance in Florida - Save 15% to 25% by bundling policies
• Non-Owner Car Insurance in Florida - Coverage if you don't own a vehicle
• Low-Income Car Insurance in Florida - Affordable options and assistance programs
• Florida Car Insurance Calculator - Get personalized rate estimates

Below, our insurance experts answer common questions about finding the most affordable car insurance coverage 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.