Travelers offers Florida's cheapest car insurance with minimum coverage at $52 monthly and full coverage at $112 monthly. This saves Florida drivers up to $90 monthly (52%) compared to other major providers. State Farm, Metropolitan Group, Nationwide and GEICO also provide competitive rates worth comparing.
Cheapest Car Insurance in Florida
Travelers has the cheapest rates in Florida with minimum coverage at $618 annually or $52 monthly and full coverage at $1,343 per year or $112 monthly.
Find the cheapest Florida car insurance for you below.

Updated: August 28, 2025
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Key Takeaways
Travelers offers Florida's cheapest car insurance, with minimum coverage at $52 monthly and full coverage at $112 monthly which is 52% below the state average.
Travelers offers the lowest rates for most Florida driver profiles, including young drivers ($109), seniors ($69), drivers with accidents ($69) and speeding tickets ($65), while State Farm provides better rates for drivers with DUIs ($68) and older cars ($42).
Florida car insurance costs can be as low as $38 monthly for minimum coverage and $68 for full coverage policies
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Who Has the Cheapest Car Insurance in Florida?
Travelers | $52 | $112 | -52% | $-90 |
State Farm | $64 | $138 | -41% | $-71 |
Metropolitan Group | $64 | $161 | -35% | $-59 |
Nationwide | $82 | $176 | -25% | $-43 |
Geico | $63 | $203 | -22% | $-39 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
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Best Car Insurance Rates by Category in Florida
Travelers has the cheapest rates in eight out of 10 driver categories we analyzed. The company provides the lowest premiums for young drivers ($109), adult drivers ($51), seniors ($69), drivers with accidents ($69), drivers with speeding tickets ($65), drivers with bad credit ($91), low-income drivers ($58) and those with newer cars ($36). State Farm beats Travelers in only two categories: drivers with DUIs at $68 monthly and drivers with older cars at $42 monthly.
Young Drivers | Travelers | $109 |
Adult Drivers | Travelers | $51 |
Senior Drivers | Travelers | $69 |
Drivers With An Accident | Travelers | $69 |
Drivers With A DUI | State Farm | $68 |
Drivers With A Speeding Ticket | Travelers | $65 |
Drivers With Bad Credit | Travelers | $91 |
Drivers With Low Income | Travelers | $58 |
Drivers With Newer Cars | Travelers | $36 |
Drivers With Old Cars | State Farm | $42 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN FLORIDA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Florida:
Compare the Cheapest Car Insurance in Florida for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Travelers offers the lowest rates at $186 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Travelers | $186 | $2,233 | -40% | $-1,477 |
UAIC | $187 | $2,249 | -39% | $-1,461 |
Nationwide | $212 | $2,543 | -31% | $-1,166 |
Geico | $239 | $2,868 | -23% | $-841 |
Metropolitan Group | $271 | $3,256 | -12% | $-453 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Florida by City
Where you live in Florida affects your insurance costs based on local crime, accidents and traffic density. Travelers charges as little as $32 in Lady Lake but $91 in Miami Gardens. Here are the cheapest providers for every Florida city.
Jacksonville | Travelers | $53 | -43% | $-66 |
Miami | Travelers | $78 | -45% | $-100 |
Tampa | Travelers | $71 | -50% | $-113 |
Orlando | Travelers | $55 | -46% | $-75 |
St. Petersburg | Travelers | $56 | -49% | $-85 |
Hialeah | Travelers | $89 | -43% | $-107 |
Port St. Lucie | Travelers | $51 | -44% | $-64 |
Tallahassee | Travelers | $47 | -43% | $-57 |
Cape Coral | Travelers | $46 | -54% | $-84 |
Fort Lauderdale | Travelers | $75 | -46% | $-103 |
Pembroke Pines | Travelers | $73 | -43% | $-89 |
Hollywood | Travelers | $85 | -42% | $-99 |
Gainesville | Travelers | $49 | -38% | $-47 |
Miramar | Travelers | $71 | -41% | $-78 |
Palm Bay | Travelers | $56 | -47% | $-80 |
Coral Springs | Travelers | $72 | -47% | $-104 |
West Palm Beach | Travelers | $71 | -55% | $-140 |
Clearwater | Travelers | $58 | -50% | $-91 |
Lakeland | Travelers | $56 | -45% | $-74 |
Pompano Beach | Travelers | $90 | -45% | $-115 |
Davie | Travelers | $65 | -41% | $-72 |
Miami Gardens | Travelers | $91 | -44% | $-114 |
Boca Raton | Travelers | $64 | -51% | $-106 |
Sunrise | Travelers | $61 | -50% | $-95 |
Plantation | Travelers | $60 | -47% | $-86 |
Deltona | Travelers | $43 | -50% | $-68 |
Palm Coast | Travelers | $38 | -57% | $-79 |
Fort Myers | Travelers | $41 | -55% | $-80 |
Boynton Beach | Travelers | $60 | -56% | $-124 |
Largo | Travelers | $52 | -51% | $-85 |
Melbourne | Travelers | $42 | -49% | $-65 |
Daytona Beach | Travelers | $38 | -54% | $-72 |
North Miami | Travelers | $69 | -48% | $-103 |
Homestead | Travelers | $68 | -45% | $-91 |
Kissimmee | Travelers | $52 | -47% | $-73 |
Doral | Travelers | $68 | -45% | $-89 |
Lauderhill | Travelers | $62 | -51% | $-103 |
Miami Beach | Travelers | $68 | -45% | $-88 |
Delray Beach | Travelers | $60 | -57% | $-127 |
Tamarac | Travelers | $61 | -50% | $-98 |
Wellington | Travelers | $65 | -50% | $-105 |
North Port | Travelers | $37 | -52% | $-66 |
Ocala | Travelers | $46 | -47% | $-65 |
Port Orange | Travelers | $37 | -54% | $-71 |
Margate | Travelers | $63 | -46% | $-86 |
Coconut Creek | Travelers | $63 | -47% | $-89 |
Sanford | Travelers | $44 | -49% | $-66 |
Sarasota | Travelers | $40 | -53% | $-70 |
Pensacola | Travelers | $51 | -42% | $-59 |
Bradenton | Travelers | $42 | -54% | $-78 |
Alachua | Travelers | $46 | -37% | $-43 |
Alafaya | Travelers | $51 | -46% | $-68 |
Alford | Travelers | $46 | -31% | $-33 |
Altamonte Springs | Travelers | $49 | -43% | $-60 |
Altha | Travelers | $44 | -35% | $-39 |
Altoona | Travelers | $37 | -55% | $-71 |
Alva | Travelers | $38 | -55% | $-73 |
Anna Maria | Travelers | $42 | -54% | $-79 |
Anthony | Travelers | $38 | -53% | $-68 |
Apalachicola | Travelers | $44 | -36% | $-39 |
Apollo Beach | Travelers | $55 | -50% | $-89 |
Apopka | Travelers | $50 | -46% | $-69 |
Arcadia | Travelers | $39 | -51% | $-65 |
Archer | Travelers | $46 | -38% | $-44 |
Argyle | State Farm | $43 | -43% | $-51 |
Aripeka | Travelers | $53 | -54% | $-97 |
Astatula | Travelers | $42 | -48% | $-63 |
Astor | Travelers | $37 | -55% | $-71 |
Auburndale | Travelers | $50 | -45% | $-67 |
Aventura | Travelers | $66 | -49% | $-100 |
Avon Park | Travelers | $40 | -51% | $-65 |
Babson Park | Travelers | $47 | -47% | $-67 |
Baker | State Farm | $43 | -40% | $-47 |
Barberville | Travelers | $37 | -59% | $-86 |
Bardmoor | Travelers | $54 | -50% | $-85 |
Bartow | Travelers | $47 | -47% | $-66 |
Bascom | State Farm | $46 | -31% | $-33 |
Bayshore Gardens | Travelers | $43 | -54% | $-80 |
Bee Ridge | Travelers | $39 | -52% | $-68 |
Bell | State Farm | $44 | -40% | $-46 |
Bellair-Meadowbrook Terrace | Travelers | $49 | -43% | $-59 |
Belleair Beach | Travelers | $53 | -49% | $-80 |
Belle Glade | Travelers | $63 | -44% | $-78 |
Belleview | Travelers | $35 | -56% | $-72 |
Bellview | Travelers | $44 | -44% | $-56 |
Berrydale | State Farm | $43 | -44% | $-55 |
Big Pine Key | Metropolitan Group | $53 | -32% | $-43 |
Bithlo | Travelers | $51 | -45% | $-66 |
Blountstown | Travelers | $44 | -36% | $-39 |
Boca Grande | Travelers | $37 | -54% | $-68 |
Bokeelia | Travelers | $37 | -55% | $-72 |
Bonifay | Travelers | $44 | -33% | $-35 |
Bonita Springs | Travelers | $37 | -52% | $-64 |
Bostwick | Travelers | $45 | -50% | $-71 |
Bowling Green | Travelers | $44 | -47% | $-62 |
Bradley | Travelers | $44 | -51% | $-73 |
Brandon | Travelers | $55 | -54% | $-104 |
Branford | Travelers | $43 | -41% | $-48 |
Bristol | State Farm | $46 | -35% | $-39 |
Brooker | Travelers | $46 | -43% | $-54 |
Brooksville | Travelers | $57 | -47% | $-80 |
Bryceville | Travelers | $45 | -43% | $-55 |
Buenaventura Lakes | Travelers | $52 | -47% | $-73 |
Bunnell | Travelers | $38 | -53% | $-69 |
Bushnell | State Farm | $44 | -45% | $-58 |
Callahan | Travelers | $43 | -46% | $-58 |
Callaway | Travelers | $43 | -40% | $-46 |
Campbellton | State Farm | $46 | -31% | $-32 |
Canal Point | Travelers | $63 | -43% | $-77 |
Candler | Travelers | $38 | -57% | $-81 |
Cantonment | State Farm | $43 | -44% | $-55 |
Cape Canaveral | Travelers | $41 | -49% | $-64 |
Captiva | Travelers | $37 | -54% | $-69 |
Carrabelle | State Farm | $46 | -34% | $-38 |
Carrollwood | Travelers | $66 | -47% | $-94 |
Caryville | Travelers | $44 | -33% | $-35 |
Cassadaga | Travelers | $50 | -46% | $-69 |
Casselberry | Travelers | $51 | -41% | $-57 |
Cedar Key | State Farm | $44 | -40% | $-46 |
Center Hill | State Farm | $44 | -46% | $-60 |
Century | State Farm | $43 | -43% | $-53 |
Chattahoochee | State Farm | $46 | -35% | $-40 |
Cheval | Travelers | $53 | -55% | $-102 |
Chiefland | State Farm | $44 | -40% | $-47 |
Chipley | Travelers | $44 | -34% | $-36 |
Chokoloskee | Travelers | $37 | -54% | $-70 |
Christmas | Travelers | $53 | -42% | $-61 |
Citra | Travelers | $39 | -51% | $-65 |
Citrus Park | Travelers | $66 | -46% | $-88 |
Citrus Springs | Travelers | $41 | -50% | $-66 |
Clarksville | Travelers | $44 | -36% | $-40 |
Clearwater Beach | Travelers | $63 | -49% | $-95 |
Clermont | Travelers | $42 | -49% | $-64 |
Clewiston | State Farm | $46 | -47% | $-64 |
Cocoa | Travelers | $46 | -44% | $-59 |
Cocoa Beach | Travelers | $41 | -50% | $-65 |
Coleman | State Farm | $44 | -45% | $-57 |
Cooper City | Travelers | $61 | -44% | $-77 |
Copeland | Travelers | $37 | -55% | $-72 |
Coral Gables | Travelers | $73 | -41% | $-79 |
Coral Terrace | Travelers | $69 | -42% | $-80 |
Cortez | Travelers | $42 | -54% | $-79 |
Cottondale | Travelers | $44 | -33% | $-35 |
Country Club | Travelers | $71 | -45% | $-92 |
Crawfordville | Travelers | $45 | -38% | $-44 |
Crescent City | Travelers | $37 | -54% | $-70 |
Crestview | State Farm | $43 | -40% | $-46 |
Cross City | State Farm | $44 | -40% | $-46 |
Crystal Beach | Travelers | $52 | -51% | $-88 |
Crystal River | Travelers | $44 | -48% | $-66 |
Cutler Bay | Travelers | $69 | -43% | $-84 |
Cypress Lake | Travelers | $38 | -55% | $-73 |
Dade City | Travelers | $54 | -49% | $-83 |
Dania | Travelers | $63 | -48% | $-91 |
Davenport | Travelers | $50 | -45% | $-65 |
Debary | Travelers | $43 | -49% | $-67 |
Deerfield Beach | Travelers | $66 | -47% | $-93 |
Defuniak Springs | State Farm | $43 | -34% | $-36 |
De Funiak Springs | State Farm | $43 | -34% | $-36 |
Deland | Travelers | $40 | -52% | $-70 |
De Leon Springs | Travelers | $39 | -53% | $-71 |
Destin | State Farm | $43 | -40% | $-46 |
Doctor Phillips | Travelers | $50 | -47% | $-70 |
Doctors Inlet | Travelers | $44 | -52% | $-74 |
Dover | Travelers | $56 | -50% | $-90 |
Dundee | Travelers | $48 | -48% | $-70 |
Dunedin | Travelers | $51 | -53% | $-89 |
Dunnellon | Travelers | $42 | -48% | $-61 |
Durant | Travelers | $56 | -52% | $-99 |
Eagle Lake | Travelers | $46 | -50% | $-74 |
Earleton | Travelers | $44 | -38% | $-44 |
East Bronson | State Farm | $44 | -42% | $-50 |
East Lake | Travelers | $52 | -51% | $-89 |
Eastlake Weir | Travelers | $37 | -53% | $-67 |
East Milton | State Farm | $43 | -46% | $-59 |
East Palatka | Travelers | $44 | -46% | $-60 |
Eastpoint | State Farm | $46 | -33% | $-37 |
Eaton Park | Travelers | $46 | -53% | $-82 |
Ebro | State Farm | $46 | -33% | $-36 |
Edgewater | Travelers | $37 | -54% | $-71 |
Eglin AFB | State Farm | $43 | -39% | $-45 |
Egypt Lake-Leto | Travelers | $69 | -51% | $-113 |
El Jobean | Travelers | $37 | -59% | $-83 |
Elkton | Travelers | $43 | -45% | $-56 |
Ellenton | Travelers | $43 | -54% | $-80 |
Englewood | Travelers | $37 | -52% | $-65 |
Ensley | Travelers | $44 | -45% | $-57 |
Estero | Travelers | $39 | -53% | $-68 |
Eustis | Travelers | $41 | -49% | $-64 |
Everglades City | Travelers | $37 | -53% | $-67 |
Evinston | Travelers | $44 | -47% | $-62 |
Fairfield | Travelers | $44 | -48% | $-66 |
Feather Sound | Travelers | $56 | -48% | $-81 |
Felda | Travelers | $38 | -55% | $-73 |
Fellsmere | Travelers | $41 | -52% | $-72 |
Fernandina Beach | Travelers | $43 | -44% | $-55 |
Ferndale | Travelers | $42 | -53% | $-77 |
Fern Park | Travelers | $49 | -43% | $-60 |
Ferry Pass | Travelers | $45 | -44% | $-56 |
Fisher Island | State Farm | $44 | -64% | $-125 |
Fish Hawk | Travelers | $52 | -53% | $-93 |
Flagler Beach | Travelers | $38 | -53% | $-68 |
Flagler Estates | Travelers | $43 | -45% | $-57 |
Fleming Island | Travelers | $45 | -47% | $-64 |
Florahome | Travelers | $45 | -45% | $-58 |
Floral City | Travelers | $42 | -50% | $-67 |
Florida City | Travelers | $68 | -46% | $-91 |
Florida Ridge | Travelers | $43 | -50% | $-69 |
Fort Mc Coy | Travelers | $39 | -51% | $-64 |
Fort Meade | Travelers | $44 | -50% | $-69 |
Fort Myers Beach | Travelers | $38 | -53% | $-69 |
Fort Ogden | Travelers | $39 | -56% | $-79 |
Fort Pierce | Travelers | $50 | -47% | $-70 |
Fort Pierce North | Travelers | $50 | -47% | $-71 |
Fort Walton Beach | State Farm | $43 | -39% | $-45 |
Fort White | Travelers | $43 | -47% | $-60 |
Fountain | Travelers | $44 | -40% | $-46 |
Fountainebleau | Travelers | $68 | -47% | $-95 |
Four Corners | Travelers | $46 | -48% | $-68 |
Freeport | State Farm | $43 | -35% | $-37 |
Frostproof | Travelers | $44 | -50% | $-69 |
Fruit Cove | State Farm | $48 | -39% | $-50 |
Fruitland Park | Travelers | $40 | -50% | $-64 |
Fuller Heights | Travelers | $49 | -45% | $-65 |
Geneva | Travelers | $44 | -48% | $-65 |
Georgetown | Travelers | $37 | -54% | $-70 |
Gibsonton | Travelers | $56 | -52% | $-97 |
Gifford | Travelers | $40 | -54% | $-74 |
Glen St. Mary | Travelers | $45 | -44% | $-57 |
Glenvar Heights | Travelers | $69 | -40% | $-75 |
Glenwood | Travelers | $39 | -58% | $-85 |
Golden Gate | Travelers | $39 | -51% | $-64 |
Goodland | Travelers | $41 | -48% | $-61 |
Gotha | Travelers | $52 | -45% | $-66 |
Goulds | Travelers | $73 | -42% | $-85 |
Graceville | Travelers | $44 | -33% | $-35 |
Graham | Travelers | $45 | -48% | $-68 |
Grandin | Travelers | $38 | -58% | $-83 |
Grand Island | Travelers | $40 | -51% | $-65 |
Grand Ridge | Travelers | $46 | -31% | $-33 |
Grant-Valkaria | Travelers | $42 | -51% | $-69 |
Greenacres | Travelers | $62 | -54% | $-116 |
Green Cove Springs | Travelers | $45 | -45% | $-59 |
Greensboro | State Farm | $46 | -36% | $-40 |
Greenville | Travelers | $43 | -41% | $-47 |
Greenwood | State Farm | $46 | -31% | $-33 |
Gretna | State Farm | $46 | -36% | $-41 |
Groveland | Travelers | $43 | -48% | $-63 |
Gulf Breeze | Travelers | $44 | -46% | $-59 |
Gulf Gate Estates | Travelers | $39 | -52% | $-67 |
Gulf Hammock | State Farm | $44 | -39% | $-45 |
Gulfport | Travelers | $56 | -49% | $-86 |
Haines City | Travelers | $47 | -49% | $-72 |
Hallandale Beach | Travelers | $68 | -43% | $-83 |
Hampton | Travelers | $46 | -43% | $-54 |
Havana | Travelers | $44 | -40% | $-46 |
Hawthorne | Travelers | $44 | -43% | $-54 |
Hernando | Travelers | $41 | -52% | $-71 |
Highland City | Travelers | $49 | -46% | $-66 |
High Springs | Travelers | $46 | -35% | $-39 |
Hilliard | Travelers | $45 | -43% | $-54 |
Hobe Sound | Travelers | $52 | -43% | $-63 |
Holder | Travelers | $41 | -52% | $-70 |
Holiday | Travelers | $53 | -55% | $-101 |
Hollister | Travelers | $43 | -47% | $-62 |
Holly Hill | Travelers | $38 | -55% | $-74 |
Holmes Beach | Travelers | $42 | -54% | $-79 |
Holt | State Farm | $43 | -40% | $-46 |
Homeland | Travelers | $47 | -48% | $-68 |
Homosassa Springs | Travelers | $43 | -51% | $-70 |
Horseshoe Beach | Travelers | $43 | -41% | $-47 |
Hosford | Travelers | $44 | -39% | $-44 |
Howey-in-the-Hills | State Farm | $44 | -46% | $-60 |
Hudson | Travelers | $52 | -54% | $-98 |
Hurlburt Field | State Farm | $43 | -40% | $-46 |
Immokalee | Travelers | $38 | -54% | $-73 |
Indialantic | Travelers | $43 | -47% | $-61 |
Indian Lake Estates | Travelers | $47 | -48% | $-69 |
Indian Rocks Beach | Travelers | $54 | -48% | $-80 |
Indiantown | Travelers | $50 | -46% | $-68 |
Inglis | State Farm | $44 | -39% | $-46 |
Inlet Beach | State Farm | $43 | -38% | $-43 |
Intercession City | Travelers | $49 | -49% | $-76 |
Interlachen | Travelers | $38 | -53% | $-68 |
Inverness | Travelers | $43 | -49% | $-67 |
Inverness Highlands South | Travelers | $42 | -50% | $-69 |
Iona | Travelers | $38 | -55% | $-72 |
Islamorada, Village of Islands | Metropolitan Group | $53 | -34% | $-48 |
Island Grove | Travelers | $46 | -45% | $-59 |
Istachatta | Travelers | $48 | -54% | $-89 |
Ives Estates | Travelers | $68 | -48% | $-99 |
Jacksonville Beach | Travelers | $47 | -43% | $-58 |
Jasmine Estates | Travelers | $55 | -52% | $-94 |
Jasper | State Farm | $46 | -37% | $-43 |
Jennings | State Farm | $46 | -37% | $-43 |
Jensen Beach | Travelers | $50 | -46% | $-68 |
Jupiter | State Farm | $55 | -48% | $-82 |
Jupiter Farms | State Farm | $55 | -48% | $-80 |
Jupiter Farms | Travelers | $55 | -48% | $-80 |
Kathleen | Travelers | $49 | -47% | $-69 |
Kenansville | Travelers | $53 | -45% | $-68 |
Kendale Lakes | Travelers | $72 | -43% | $-86 |
Kendall | Travelers | $66 | -43% | $-78 |
Kendall West | Travelers | $71 | -44% | $-88 |
Key Biscayne | State Farm | $71 | -43% | $-87 |
Key Colony Beach | Metropolitan Group | $53 | -32% | $-44 |
Key Largo | Metropolitan Group | $53 | -36% | $-51 |
Keystone | Travelers | $53 | -55% | $-100 |
Keystone Heights | Travelers | $45 | -44% | $-55 |
Key West | Metropolitan Group | $53 | -30% | $-39 |
Killarney | Travelers | $52 | -48% | $-78 |
Labelle | Travelers | $38 | -54% | $-71 |
La Crosse | Travelers | $45 | -39% | $-45 |
Lady Lake | Travelers | $32 | -59% | $-74 |
Lake Alfred | Travelers | $47 | -48% | $-69 |
Lake Butler | Travelers | $48 | -43% | $-59 |
Lake City | Travelers | $43 | -47% | $-61 |
Lake Como | Travelers | $38 | -53% | $-68 |
Lake Geneva | Travelers | $32 | -64% | $-89 |
Lake Hamilton | Travelers | $47 | -50% | $-74 |
Lake Harbor | Travelers | $55 | -49% | $-85 |
Lake Helen | Travelers | $44 | -48% | $-65 |
Lakeland Highlands | Travelers | $49 | -45% | $-63 |
Lake Lorraine | State Farm | $43 | -39% | $-44 |
Lake Magdalene | Travelers | $66 | -48% | $-98 |
Lake Mary | Travelers | $42 | -50% | $-68 |
Lake Monroe | Travelers | $42 | -54% | $-79 |
Lake Panasoffkee | State Farm | $44 | -45% | $-58 |
Lake Park | Travelers | $62 | -53% | $-110 |
Lake Placid | Travelers | $40 | -49% | $-63 |
Lakeshore | Travelers | $47 | -48% | $-69 |
Lake Wales | Travelers | $47 | -48% | $-68 |
Lakewood Park | Travelers | $43 | -54% | $-79 |
Lake Worth | Travelers | $62 | -55% | $-123 |
Lamont | Travelers | $43 | -41% | $-47 |
Lanark Village | State Farm | $46 | -35% | $-39 |
Land O' Lakes | Travelers | $54 | -50% | $-86 |
Laurel | Travelers | $38 | -51% | $-62 |
Laurel Hill | State Farm | $43 | -40% | $-46 |
Lawtey | State Farm | $46 | -43% | $-55 |
Lealman | Travelers | $60 | -46% | $-82 |
Lecanto | Travelers | $44 | -48% | $-64 |
Lee | Travelers | $42 | -41% | $-47 |
Leesburg | Travelers | $40 | -51% | $-65 |
Lehigh Acres | Travelers | $48 | -54% | $-89 |
Live Oak | Travelers | $43 | -41% | $-47 |
Lloyd | Travelers | $43 | -48% | $-64 |
Lochloosa | Travelers | $45 | -46% | $-61 |
Lockhart | Travelers | $54 | -47% | $-75 |
Longboat Key | Travelers | $40 | -52% | $-68 |
Long Key | Travelers | $42 | -50% | $-67 |
Longwood | Travelers | $51 | -41% | $-57 |
Lorida | Travelers | $40 | -50% | $-63 |
Loughman | Travelers | $49 | -47% | $-69 |
Lowell | Travelers | $45 | -48% | $-65 |
Lulu | Travelers | $45 | -46% | $-61 |
Lutz | Travelers | $54 | -53% | $-99 |
Lynn Haven | Travelers | $43 | -41% | $-48 |
Macclenny | Travelers | $45 | -44% | $-57 |
Madeira Beach | Travelers | $54 | -49% | $-83 |
Madison | Travelers | $42 | -41% | $-47 |
Maitland | Travelers | $47 | -49% | $-71 |
Malabar | Travelers | $44 | -49% | $-67 |
Malone | State Farm | $46 | -31% | $-33 |
Mango | Travelers | $55 | -53% | $-99 |
Marathon | Metropolitan Group | $53 | -31% | $-42 |
Marathon Shores | Metropolitan Group | $53 | -38% | $-57 |
Marco Island | Travelers | $41 | -47% | $-59 |
Marianna | State Farm | $46 | -31% | $-33 |
Mary Esther | State Farm | $43 | -40% | $-45 |
Mascotte | Travelers | $43 | -48% | $-64 |
Mayo | Travelers | $42 | -42% | $-48 |
Mc Alpin | Travelers | $43 | -42% | $-50 |
Mc David | State Farm | $43 | -44% | $-54 |
Mc Intosh | Travelers | $45 | -40% | $-47 |
Meadow Woods | Travelers | $53 | -45% | $-70 |
Melbourne Beach | Travelers | $43 | -47% | $-61 |
Melrose | Travelers | $38 | -52% | $-66 |
Merritt Island | Travelers | $43 | -47% | $-61 |
Mexico Beach | Travelers | $44 | -39% | $-45 |
Miami Springs | Travelers | $62 | -51% | $-102 |
Micanopy | Travelers | $44 | -40% | $-46 |
Micco | Travelers | $42 | -50% | $-67 |
Middleburg | Travelers | $45 | -46% | $-62 |
Mid Florida | Travelers | $47 | -49% | $-72 |
Midway | Travelers | $44 | -42% | $-51 |
Milligan | State Farm | $43 | -47% | $-60 |
Milton | State Farm | $43 | -45% | $-57 |
Mims | Travelers | $38 | -53% | $-69 |
Minneola | Travelers | $42 | -49% | $-64 |
Miramar Beach | State Farm | $43 | -38% | $-43 |
Molino | Travelers | $46 | -43% | $-54 |
Monticello | Travelers | $43 | -42% | $-49 |
Montverde | Travelers | $42 | -49% | $-64 |
Moore Haven | State Farm | $46 | -44% | $-57 |
Morriston | State Farm | $44 | -41% | $-49 |
Mossy Head | State Farm | $43 | -43% | $-52 |
Mount Dora | Travelers | $42 | -48% | $-62 |
Murdock | Travelers | $39 | -57% | $-81 |
Myakka City | Travelers | $41 | -55% | $-79 |
Myrtle Grove | Travelers | $43 | -46% | $-58 |
Nalcrest | Travelers | $47 | -48% | $-70 |
Naples | Travelers | $40 | -50% | $-65 |
Naples Manor | Travelers | $41 | -47% | $-58 |
Navarre | Travelers | $44 | -45% | $-57 |
Neptune Beach | Travelers | $47 | -44% | $-58 |
Newberry | Travelers | $46 | -37% | $-43 |
New Port Richey | Travelers | $54 | -52% | $-94 |
New Smyrna Beach | Travelers | $39 | -52% | $-68 |
Niceville | State Farm | $43 | -39% | $-45 |
Nichols | Travelers | $49 | -49% | $-75 |
Nobleton | Travelers | $52 | -46% | $-70 |
Nocatee | Travelers | $44 | -45% | $-57 |
Noma | Travelers | $44 | -42% | $-51 |
North Fort Myers | Travelers | $39 | -54% | $-73 |
North Lauderdale | Travelers | $65 | -48% | $-94 |
North Miami Beach | Travelers | $68 | -51% | $-111 |
North Palm Beach | Travelers | $56 | -51% | $-94 |
North Weeki Wachee | Travelers | $53 | -45% | $-70 |
Oak Hill | Travelers | $38 | -54% | $-72 |
Oakland Park | Travelers | $63 | -48% | $-94 |
Oakleaf Plantation | Travelers | $45 | -47% | $-65 |
Oak Ridge | Travelers | $55 | -50% | $-88 |
O Brien | Travelers | $42 | -42% | $-48 |
Ochopee | Travelers | $38 | -53% | $-68 |
Ocklawaha | Travelers | $38 | -52% | $-66 |
Ocoee | State Farm | $83 | -41% | $-89 |
Okahumpka | State Farm | $44 | -44% | $-56 |
Okeechobee | Travelers | $51 | -51% | $-83 |
Oldsmar | Travelers | $53 | -51% | $-86 |
Old Town | State Farm | $44 | -40% | $-46 |
Olustee | Travelers | $42 | -47% | $-60 |
Ona | Travelers | $39 | -52% | $-68 |
Oneco | Travelers | $41 | -58% | $-89 |
Opa-locka | Travelers | $72 | -46% | $-99 |
Orange City | Travelers | $43 | -50% | $-68 |
Orange Lake | Travelers | $45 | -40% | $-47 |
Orange Springs | Travelers | $37 | -53% | $-68 |
Ormond Beach | Travelers | $38 | -53% | $-68 |
Ormond-By-The-Sea | Travelers | $38 | -54% | $-72 |
Osprey | Travelers | $38 | -51% | $-63 |
Osteen | Travelers | $37 | -56% | $-76 |
Otter Creek | State Farm | $44 | -39% | $-46 |
Oviedo | Travelers | $45 | -48% | $-66 |
Oxford | Travelers | $49 | -56% | $-101 |
Ozona | Travelers | $52 | -55% | $-101 |
Pace | Travelers | $46 | -44% | $-56 |
Pahokee | Travelers | $63 | -44% | $-79 |
Paisley | Travelers | $37 | -55% | $-72 |
Palatka | Travelers | $38 | -53% | $-69 |
Palm Beach | Travelers | $63 | -55% | $-122 |
Palm Beach Gardens | Travelers | $56 | -51% | $-94 |
Palm City | Travelers | $50 | -46% | $-67 |
Palmdale | Travelers | $39 | -52% | $-66 |
Palmetto | Travelers | $42 | -54% | $-80 |
Palmetto Bay | Travelers | $65 | -45% | $-83 |
Palm Harbor | Travelers | $52 | -51% | $-88 |
Palm Valley | Travelers | $44 | -45% | $-57 |
Panacea | Travelers | $44 | -39% | $-44 |
Panama City | Travelers | $43 | -40% | $-47 |
Panama City Beach | Travelers | $44 | -40% | $-47 |
Parrish | Travelers | $41 | -55% | $-80 |
Patrick AFB | Travelers | $44 | -46% | $-61 |
Paxton | State Farm | $43 | -45% | $-57 |
Pelican Bay | Travelers | $39 | -49% | $-59 |
Perry | Travelers | $42 | -41% | $-47 |
Pierson | Travelers | $38 | -54% | $-71 |
Pine Castle | Travelers | $53 | -51% | $-88 |
Pinecrest | Travelers | $64 | -46% | $-86 |
Pine Hills | Travelers | $55 | -53% | $-98 |
Pineland | Travelers | $39 | -51% | $-64 |
Pinellas Park | Travelers | $52 | -51% | $-88 |
Pine Ridge | State Farm | $44 | -48% | $-64 |
Pinetta | Travelers | $42 | -42% | $-48 |
Placida | Travelers | $37 | -52% | $-63 |
Plant City | Travelers | $55 | -51% | $-90 |
Plymouth | Travelers | $37 | -62% | $-97 |
Poinciana | Travelers | $50 | -49% | $-77 |
Polk City | Travelers | $50 | -44% | $-63 |
Pomona Park | Travelers | $37 | -54% | $-70 |
Ponce de Leon | State Farm | $43 | -34% | $-35 |
Port Charlotte | Travelers | $37 | -53% | $-65 |
Port Saint Lucie | Travelers | $80 | -40% | $-85 |
Port St. Joe | Travelers | $44 | -35% | $-38 |
Port St. John | State Farm | $46 | -43% | $-57 |
Princeton | Travelers | $70 | -43% | $-85 |
Punta Gorda | Travelers | $39 | -49% | $-60 |
Putnam Hall | Travelers | $37 | -58% | $-81 |
Quincy | Travelers | $45 | -37% | $-42 |
Raiford | Travelers | $44 | -44% | $-56 |
Reddick | Travelers | $44 | -44% | $-55 |
Richmond West | Travelers | $68 | -46% | $-91 |
Ridge Manor | Travelers | $54 | -48% | $-79 |
River Ranch | Travelers | $47 | -47% | $-67 |
Riverview | Travelers | $55 | -52% | $-95 |
Riviera Beach | Travelers | $62 | -53% | $-111 |
Rockledge | Travelers | $45 | -46% | $-61 |
Rotonda | Travelers | $37 | -53% | $-65 |
Royal Palm Beach | Travelers | $65 | -51% | $-107 |
Ruskin | Travelers | $55 | -50% | $-88 |
Safety Harbor | Travelers | $53 | -51% | $-86 |
Saint Petersburg | Travelers | $86 | -45% | $-115 |
Salem | Travelers | $43 | -41% | $-47 |
San Antonio | Travelers | $54 | -49% | $-83 |
San Carlos Park | Travelers | $37 | -55% | $-72 |
Sanderson | Travelers | $44 | -46% | $-59 |
Sanibel | Travelers | $37 | -54% | $-69 |
San Mateo | Travelers | $44 | -46% | $-60 |
Santa Rosa Beach | State Farm | $43 | -35% | $-37 |
Sarasota Springs | Travelers | $39 | -52% | $-68 |
Satellite Beach | Travelers | $44 | -45% | $-58 |
Satsuma | Travelers | $44 | -46% | $-60 |
Scottsmoor | Travelers | $45 | -51% | $-74 |
Sebastian | Travelers | $41 | -52% | $-70 |
Sebring | Travelers | $40 | -50% | $-64 |
Seminole | Travelers | $53 | -49% | $-82 |
Seville | Travelers | $38 | -54% | $-71 |
Shady Grove | Travelers | $43 | -41% | $-48 |
Shady Hills | Travelers | $51 | -50% | $-81 |
Siesta Key | Travelers | $38 | -53% | $-68 |
Silver Springs | Travelers | $38 | -54% | $-70 |
Sneads | Travelers | $46 | -32% | $-34 |
Sopchoppy | Travelers | $44 | -39% | $-44 |
Sorrento | Travelers | $43 | -48% | $-65 |
South Bay | Travelers | $62 | -45% | $-81 |
South Daytona | Travelers | $38 | -55% | $-72 |
Southgate | Travelers | $40 | -51% | $-66 |
South Miami Heights | Travelers | $73 | -42% | $-85 |
South Venice | Travelers | $37 | -52% | $-63 |
Sparr | Travelers | $38 | -56% | $-77 |
Spring Hill | Travelers | $58 | -47% | $-82 |
Starke | Travelers | $46 | -43% | $-55 |
St. Augustine | Travelers | $42 | -45% | $-55 |
St. Augustine Shores | Travelers | $42 | -45% | $-55 |
St. Cloud | Travelers | $52 | -46% | $-70 |
Steinhatchee | Travelers | $43 | -41% | $-48 |
St. James City | Travelers | $37 | -55% | $-72 |
St. Leo | Travelers | $55 | -49% | $-86 |
St. Marks | Travelers | $45 | -38% | $-44 |
St. Pete Beach | Travelers | $54 | -50% | $-87 |
Stuart | Travelers | $51 | -45% | $-66 |
Sugarmill Woods | State Farm | $44 | -49% | $-67 |
Sumatra | State Farm | $46 | -52% | $-79 |
Summerfield | Travelers | $35 | -55% | $-70 |
Summerland Key | Metropolitan Group | $53 | -31% | $-41 |
Sumterville | State Farm | $44 | -44% | $-56 |
Sun City | Travelers | $48 | -57% | $-100 |
Sun City Center | Travelers | $55 | -49% | $-86 |
Sunny Isles Beach | Travelers | $66 | -49% | $-102 |
Sunset | Travelers | $66 | -47% | $-92 |
Surfside | Travelers | $68 | -45% | $-87 |
Suwannee | Travelers | $44 | -40% | $-47 |
Sweetwater | Travelers | $76 | -41% | $-83 |
Sydney | Travelers | $48 | -57% | $-101 |
Tallevast | Travelers | $39 | -57% | $-82 |
Tamiami | Travelers | $69 | -46% | $-94 |
Tarpon Springs | Travelers | $52 | -52% | $-89 |
Tavares | Travelers | $39 | -52% | $-67 |
Telogia | Travelers | $43 | -47% | $-61 |
Temple Terrace | Travelers | $59 | -52% | $-101 |
Tequesta | Travelers | $52 | -50% | $-82 |
Terra Ceia | Travelers | $42 | -54% | $-80 |
The Acreage | Travelers | $60 | -50% | $-96 |
The Crossings | Travelers | $72 | -42% | $-81 |
The Hammocks | Travelers | $68 | -45% | $-88 |
The Meadows | Travelers | $40 | -52% | $-70 |
The Villages | Travelers | $32 | -59% | $-74 |
Thonotosassa | Travelers | $55 | -51% | $-93 |
Titusville | Travelers | $46 | -44% | $-58 |
Town 'n' Country | Travelers | $65 | -50% | $-101 |
Trenton | State Farm | $44 | -40% | $-47 |
Trilby | Travelers | $55 | -52% | $-95 |
Tyndall AFB | Travelers | $43 | -41% | $-46 |
Umatilla | Travelers | $37 | -54% | $-69 |
University | Travelers | $58 | -48% | $-85 |
University Park | Travelers | $76 | -41% | $-82 |
Upper Grand Lagoon | Travelers | $43 | -41% | $-47 |
Valparaiso | State Farm | $43 | -39% | $-45 |
Valrico | Travelers | $70 | -51% | $-119 |
Venice | Travelers | $37 | -52% | $-63 |
Venus | Travelers | $39 | -51% | $-64 |
Vernon | State Farm | $46 | -31% | $-34 |
Vero Beach | Travelers | $41 | -52% | $-71 |
Wabasso | Travelers | $41 | -52% | $-71 |
Waldo | Travelers | $44 | -38% | $-44 |
Warrington | Travelers | $43 | -45% | $-58 |
Wauchula | Travelers | $44 | -46% | $-60 |
Wausau | State Farm | $46 | -32% | $-34 |
Webster | State Farm | $44 | -47% | $-64 |
Wedgefield | Travelers | $51 | -45% | $-67 |
Weirsdale | Travelers | $35 | -55% | $-69 |
Wekiwa Springs | Travelers | $42 | -51% | $-70 |
Welaka | Travelers | $44 | -47% | $-61 |
Wellborn | Travelers | $43 | -43% | $-51 |
Wesley Chapel | Travelers | $54 | -50% | $-85 |
Westchase | Travelers | $53 | -55% | $-103 |
West Lealman | Travelers | $60 | -46% | $-81 |
West Little River | Travelers | $71 | -47% | $-99 |
West Melbourne | Travelers | $42 | -49% | $-64 |
Weston | Travelers | $58 | -47% | $-83 |
West Pensacola | Travelers | $44 | -45% | $-58 |
Westview | Travelers | $78 | -43% | $-96 |
Westville | Travelers | $45 | -32% | $-34 |
Wewahitchka | Travelers | $44 | -35% | $-39 |
White Springs | Travelers | $44 | -41% | $-49 |
Wildwood | State Farm | $44 | -44% | $-56 |
Williston | State Farm | $44 | -42% | $-50 |
Wimauma | Travelers | $52 | -52% | $-89 |
Winter Garden | Travelers | $52 | -43% | $-62 |
Winter Haven | Travelers | $47 | -49% | $-72 |
Winter Park | Travelers | $49 | -47% | $-68 |
Winter Springs | Travelers | $51 | -41% | $-57 |
Wright | State Farm | $43 | -39% | $-45 |
Yalaha | State Farm | $44 | -45% | $-59 |
Yankeetown | State Farm | $44 | -39% | $-46 |
Youngstown | Travelers | $44 | -39% | $-46 |
Yulee | Travelers | $43 | -45% | $-57 |
Zellwood | Travelers | $50 | -45% | $-65 |
Zephyrhills | Travelers | $53 | -51% | $-86 |
Zolfo Springs | Travelers | $39 | -52% | $-69 |
*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 in Florida by Driver Age Group
We analyzed car insurance rates across Florida for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from Travelers, starting at $109 per month
- Adult drivers find the best deals with Travelers, with rates from $51 per month
- Senior drivers see the most affordable coverage through Travelers, beginning at $69 per month
Cheapest Car Insurance For Young Drivers in Florida
Young drivers in Florida get their best rates from Travelers. Minimum coverage costs $109 per month, saving drivers 49% compared to other providers. Travelers also leads for full coverage at $252 monthly, saving young drivers 53%.
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 Adult Drivers in Florida
Travelers offers Florida's lowest rates for adult drivers: $51 monthly for minimum coverage and $112 for full coverage.
Travelers | $51 | $617 | -46% | $-535 |
State Farm | $62 | $750 | -35% | $-402 |
Geico | $63 | $758 | -34% | $-394 |
Metropolitan Group | $66 | $786 | -32% | $-365 |
Nationwide | $78 | $941 | -18% | $-210 |
Cheapest Car Insurance For Senior Drivers in Florida
Travelers offers Florida seniors the most affordable car insurance rates for both coverage types. Full coverage costs $1,810 annually, while minimum coverage runs $826 per year.
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
We studied four core areas for profiles insurers consider particularly high-risk in Florida including those with bad credit, DUIs, accidents, speeding tickets and texting while driving violation. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: Travelers (From $91/mo)
- Cheapest With a DUI: State Farm (From $68/mo)
- Cheapest With an Accident: Travelers (From $69/mo)
- Cheapest With a Texting While Driving Violation: GEICO (From $63/mo)
Cheapest Car Insurance For Bad Credit in Florida
UAIC offers Florida drivers with bad credit the most affordable car insurance rates. Annual premiums start at $1,043 for minimum liability coverage and $1,770 for full coverage policies with comprehensive and collision protection.
Geico | $87 | $1,043 | -31% | $-479 |
Travelers | $90 | $1,084 | -29% | $-438 |
Metropolitan Group | $92 | $1,104 | -28% | $-419 |
Nationwide | $96 | $1,146 | -25% | $-376 |
Progressive | $116 | $1,393 | -8% | $-129 |
Cheapest Car Insurance With a DUI in Florida
State Farm ranks as the most affordable option for Florida drivers with DUIs, offering annual rates of $808. Travelers provides the next best value with premiums of $913 per year.
State Farm | $67 | $808 | -49% | $-774 |
Travelers | $76 | $913 | -42% | $-669 |
AIG | $99 | $1,183 | -25% | $-399 |
Metropolitan Group | $100 | $1,198 | -24% | $-384 |
Geico | $108 | $1,301 | -18% | $-281 |
Cheapest Car Insurance With an Accident in Florida
Florida drivers with an accident on their record can find the most affordable coverage through Travelers at $69 per month ($825 annually).
Travelers | $69 | $825 | -49% | $-797 |
State Farm | $73 | $870 | -46% | $-753 |
Geico | $88 | $1,058 | -35% | $-564 |
Metropolitan Group | $91 | $1,090 | -33% | $-532 |
Nationwide | $108 | $1,299 | -20% | $-324 |
Cheapest Car Insurance With a Speeding Ticket
Florida drivers with speeding tickets can find the lowest insurance rates with Travelers. The provider offers minimum coverage at $779 per year, while full coverage costs $1,720 annually.
Travelers | $65 | $779 | -43% |
Metropolitan Group | $66 | $786 | -43% |
State Farm | $67 | $808 | -41% |
Nationwide | $89 | $1,069 | -22% |
Geico | $105 | $1,262 | -8% |
Cheapest Car Insurance With a Texting While Driving Violation
In Florida, GEICO offers the cheapest rates for drivers with a texting-while-driving violation, with minimum coverage averaging about $63 per month. For full coverage, State Farm provides the lowest option at around $145 per month.
Auto Owners | $46 | $547 | -53% | $-610 |
Geico | $50 | $595 | -49% | $-561 |
Central Insurance | $74 | $893 | -23% | $-264 |
Progressive | $79 | $949 | -18% | $-207 |
Donegal Insurance | $98 | $1,175 | 2% | $19 |
How to Get the Cheapest Car Insurance in Florida
Price shopping alone won't get you Florida's lowest rates. Use these strategies to reduce your car insurance costs in Florida.
- 1
Shop quotes through multiple providers and sources
Rates in Florida change depending on where you buy coverage. Get quotes from independent agents, comparison sites, and insurers directly. Even with the same driver profile, premiums often differ.
- 2
Know Florida’s minimum requirements
To register a vehicle, Florida drivers must carry $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Bodily Injury Liability (BI) is not required, but adding BI coverage lowers the risk of paying out of pocket after a serious crash and usually costs little compared to the protection it provides.
- 3
Raise deductibles if you can afford it
Choosing higher deductibles for comprehensive or collision lowers premiums. This trade-off only makes sense if you have enough savings to handle the higher out-of-pocket cost after a claim.
- 4
Use Florida-specific discounts
Premiums in Florida run higher than average due to storm exposure and legal costs. Save money by enrolling in safe-driver or telematics programs, bundling auto with home or renters coverage, paying in full, or going paperless.
- 5
Choose coverage that fits Florida’s risks
- Comprehensive coverage pays for theft, flooding, wind damage, or hail — all common in Florida.
- Collision coverage is important if your car would be expensive to repair or replace.
- Uninsured/underinsured motorist coverage (UM/UIM) protects you if you’re hit by one of the state’s many uninsured drivers.
- 6
Avoid costly violations
A DUI in Florida requires an FR-44 filing and liability limits of 100/300/50 for three years. This sharply raises premiums. Keeping a clean record is one of the most effective ways to maintain affordable rates.
- 7
Last resort option through FAJUA
If you cannot get coverage in the standard market, you can apply through the Florida Automobile Joint Underwriting Association (FAJUA). Premiums are higher, so it should only be used if standard insurers turn you down.
Risks of Getting the Cheapest Car Insurance in Florida
Florida's minimum required car insurance coverage follows a unique 0/0/10 structure plus mandatory Personal Injury Protection (PIP). As a no-fault state, Florida requires $10,000 in PIP coverage and $10,000 in Property Damage Liability, but doesn't require bodily injury liability coverage for most drivers. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Florida, average property damage claims hit $4,525 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Florida gets hit with severe weather that damages cars regularly. Hurricane Ian alone caused $60 billion in insured losses in 2022, damaging thousands of vehicles. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against floods, hurricanes and falling trees. You need this protection in Florida's storm-prone climate.
Bodily injury liability is optional but highly recommended
While Florida doesn't require bodily injury liability coverage, accidents involving serious injuries can quickly exceed your PIP coverage limits. The average bodily injury claim in Florida reached $22,734 in 2023, and you could be personally liable for costs beyond your PIP coverage if you cause a serious accident. Consider adding bodily injury liability coverage with limits of at least 25/50/25 for better financial protection.
Not having uninsured motorist coverage opens you up to unexpected costs
Florida has a serious uninsured driver problem, with 20.4% of drivers lacking insurance - the sixth highest rate nationwide. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Florida, which ranks fourth nationally for vehicle thefts in 2023. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.
Minimum Coverage Requirements in Florida
Florida uses a no-fault insurance system, which means each driver’s own policy pays for medical expenses after an accident, regardless of who caused it. To register and operate a vehicle, Florida drivers must carry the following minimum coverage:
Coverage Type | Minimum Required Limit |
---|---|
Personal Injury Protection (PIP) | $10,000 |
Property Damage Liability (PDL) | $10,000 |
Unlike most states, Bodily Injury Liability (BI) is not required for most drivers in Florida. However, BI coverage can be added to protect you financially if you injure others in a crash. Some drivers, such as those with a DUI conviction, may be required to carry BI at higher limits.
These minimums satisfy state law but may not be enough to fully protect against medical bills, property repairs, or lawsuits. Many Florida drivers choose to add BI, comprehensive, collision, and uninsured/underinsured motorist coverage to reduce their financial risk.
Cheap Car Insurance in Florida: Bottom Line
Travelers offers the lowest car insurance rates in Florida for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Florida: FAQ
Below, our insurance experts answer common questions about finding affordable car insurance coverage in Florida.
What are the cheapest car insurance companies in Florida?
Travelers provides the most affordable car insurance in Florida, with average annual rates of $618 for minimum coverage and $1,343 for full coverage. State Farm, Nationwide, GEICO and Metropolitan Group also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Florida?
Travelers provides the most budget-friendly rates for young drivers in Florida, with monthly premiums starting at $109.
Who offers the cheapest car insurance rates for seniors in Florida?
Senior drivers in Florida can find the most competitive rates with Travelers, offering policies for those 65 and older at an average of $69 per month.
Who has the cheapest car insurance in Florida for bad credit?
Travelers provides the lowest rates for bad-credit drivers in Florida, with monthly premiums averaging $91 for minimum coverage and $164 for full coverage.
Who has the cheapest car insurance in Florida with an accident?
Travelers offers the most affordable car insurance rates for Florida drivers with an accident history, starting at $69 per month for minimum coverage.
Who has the cheapest car insurance in Florida with a DUI?
State Farm provides the cheapest car insurance after a DUI in Florida, with rates of $68 monthly for minimum coverage and $148 monthly for full coverage.
Who has the cheapest car insurance in Florida for those with a speeding ticket?
If you've gotten a speeding ticket in Florida, Travelers offers the lowest rates at $65 monthly for minimum coverage and $143 for full coverage.
Should you buy the cheapest car insurance in Florida?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Travelers balances low prices with solid coverage options in Florida.
How We Found 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.
Florida Driver Profile Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Florida We compared car insurance companies in Florida that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Florida.
As a no-fault state, Florida requires drivers to carry:
- $10,000 in Personal Injury Protection (PIP) coverage
- $10,000 for property damage liability
Note: Florida does not require bodily injury liability coverage for most drivers, making it unique among U.S. states.
For full coverage policy rates, we used the following liability limits:
- $25,000 for bodily injury liability per person (recommended addition)
- $50,000 for bodily injury liability per accident (recommended addition)
- $10,000 for property damage liability
- $10,000 in Personal Injury Protection (PIP) coverage (required)
- Comprehensive and collision coverage with a $1,000 deductible
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Auto insurance." Accessed July 31, 2025.
- Insurance Information Institute. "Facts + Statistics: Hurricanes." Accessed July 31, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists." Accessed July 31, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023." Accessed July 31, 2025.