Cheapest Car Insurance in Florida


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Key Takeaways

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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.

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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).

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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 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.

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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$162
High
$112
Average
$71
Low

Rates updated:

Sep 02, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
GEICO

GEICO

85
/of 100
$71
2
93
/of 100
$72
3
82
/of 100
$99
4
Nationwide

Nationwide

90
/of 100
$108
5
84
/of 100
$124
6
69
/of 100
$145
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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 DriversTravelers$109
Adult DriversTravelers$51
Senior DriversTravelers$69
Drivers With An AccidentTravelers$69
Drivers With A DUIState Farm$68
Drivers With A Speeding TicketTravelers$65
Drivers With Bad CreditTravelers$91
Drivers With Low IncomeTravelers$58
Drivers With Newer CarsTravelers$36
Drivers With Old CarsState 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.

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LEARN MORE ABOUT THE BEST CHEAP 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:

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
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.

Data filtered by:Results filtered by:
Select
City:
JacksonvilleTravelers$53-43%$-66
MiamiTravelers$78-45%$-100
TampaTravelers$71-50%$-113
OrlandoTravelers$55-46%$-75
St. PetersburgTravelers$56-49%$-85
HialeahTravelers$89-43%$-107
Port St. LucieTravelers$51-44%$-64
TallahasseeTravelers$47-43%$-57
Cape CoralTravelers$46-54%$-84
Fort LauderdaleTravelers$75-46%$-103
Pembroke PinesTravelers$73-43%$-89
HollywoodTravelers$85-42%$-99
GainesvilleTravelers$49-38%$-47
MiramarTravelers$71-41%$-78
Palm BayTravelers$56-47%$-80
Coral SpringsTravelers$72-47%$-104
West Palm BeachTravelers$71-55%$-140
ClearwaterTravelers$58-50%$-91
LakelandTravelers$56-45%$-74
Pompano BeachTravelers$90-45%$-115
DavieTravelers$65-41%$-72
Miami GardensTravelers$91-44%$-114
Boca RatonTravelers$64-51%$-106
SunriseTravelers$61-50%$-95
PlantationTravelers$60-47%$-86
DeltonaTravelers$43-50%$-68
Palm CoastTravelers$38-57%$-79
Fort MyersTravelers$41-55%$-80
Boynton BeachTravelers$60-56%$-124
LargoTravelers$52-51%$-85
MelbourneTravelers$42-49%$-65
Daytona BeachTravelers$38-54%$-72
North MiamiTravelers$69-48%$-103
HomesteadTravelers$68-45%$-91
KissimmeeTravelers$52-47%$-73
DoralTravelers$68-45%$-89
LauderhillTravelers$62-51%$-103
Miami BeachTravelers$68-45%$-88
Delray BeachTravelers$60-57%$-127
TamaracTravelers$61-50%$-98
WellingtonTravelers$65-50%$-105
North PortTravelers$37-52%$-66
OcalaTravelers$46-47%$-65
Port OrangeTravelers$37-54%$-71
MargateTravelers$63-46%$-86
Coconut CreekTravelers$63-47%$-89
SanfordTravelers$44-49%$-66
SarasotaTravelers$40-53%$-70
PensacolaTravelers$51-42%$-59
BradentonTravelers$42-54%$-78
AlachuaTravelers$46-37%$-43
AlafayaTravelers$51-46%$-68
AlfordTravelers$46-31%$-33
Altamonte SpringsTravelers$49-43%$-60
AlthaTravelers$44-35%$-39
AltoonaTravelers$37-55%$-71
AlvaTravelers$38-55%$-73
Anna MariaTravelers$42-54%$-79
AnthonyTravelers$38-53%$-68
ApalachicolaTravelers$44-36%$-39
Apollo BeachTravelers$55-50%$-89
ApopkaTravelers$50-46%$-69
ArcadiaTravelers$39-51%$-65
ArcherTravelers$46-38%$-44
ArgyleState Farm$43-43%$-51
AripekaTravelers$53-54%$-97
AstatulaTravelers$42-48%$-63
AstorTravelers$37-55%$-71
AuburndaleTravelers$50-45%$-67
AventuraTravelers$66-49%$-100
Avon ParkTravelers$40-51%$-65
Babson ParkTravelers$47-47%$-67
BakerState Farm$43-40%$-47
BarbervilleTravelers$37-59%$-86
BardmoorTravelers$54-50%$-85
BartowTravelers$47-47%$-66
BascomState Farm$46-31%$-33
Bayshore GardensTravelers$43-54%$-80
Bee RidgeTravelers$39-52%$-68
BellState Farm$44-40%$-46
Bellair-Meadowbrook TerraceTravelers$49-43%$-59
Belleair BeachTravelers$53-49%$-80
Belle GladeTravelers$63-44%$-78
BelleviewTravelers$35-56%$-72
BellviewTravelers$44-44%$-56
BerrydaleState Farm$43-44%$-55
Big Pine KeyMetropolitan Group$53-32%$-43
BithloTravelers$51-45%$-66
BlountstownTravelers$44-36%$-39
Boca GrandeTravelers$37-54%$-68
BokeeliaTravelers$37-55%$-72
BonifayTravelers$44-33%$-35
Bonita SpringsTravelers$37-52%$-64
BostwickTravelers$45-50%$-71
Bowling GreenTravelers$44-47%$-62
BradleyTravelers$44-51%$-73
BrandonTravelers$55-54%$-104
BranfordTravelers$43-41%$-48
BristolState Farm$46-35%$-39
BrookerTravelers$46-43%$-54
BrooksvilleTravelers$57-47%$-80
BrycevilleTravelers$45-43%$-55
Buenaventura LakesTravelers$52-47%$-73
BunnellTravelers$38-53%$-69
BushnellState Farm$44-45%$-58
CallahanTravelers$43-46%$-58
CallawayTravelers$43-40%$-46
CampbelltonState Farm$46-31%$-32
Canal PointTravelers$63-43%$-77
CandlerTravelers$38-57%$-81
CantonmentState Farm$43-44%$-55
Cape CanaveralTravelers$41-49%$-64
CaptivaTravelers$37-54%$-69
CarrabelleState Farm$46-34%$-38
CarrollwoodTravelers$66-47%$-94
CaryvilleTravelers$44-33%$-35
CassadagaTravelers$50-46%$-69
CasselberryTravelers$51-41%$-57
Cedar KeyState Farm$44-40%$-46
Center HillState Farm$44-46%$-60
CenturyState Farm$43-43%$-53
ChattahoocheeState Farm$46-35%$-40
ChevalTravelers$53-55%$-102
ChieflandState Farm$44-40%$-47
ChipleyTravelers$44-34%$-36
ChokoloskeeTravelers$37-54%$-70
ChristmasTravelers$53-42%$-61
CitraTravelers$39-51%$-65
Citrus ParkTravelers$66-46%$-88
Citrus SpringsTravelers$41-50%$-66
ClarksvilleTravelers$44-36%$-40
Clearwater BeachTravelers$63-49%$-95
ClermontTravelers$42-49%$-64
ClewistonState Farm$46-47%$-64
CocoaTravelers$46-44%$-59
Cocoa BeachTravelers$41-50%$-65
ColemanState Farm$44-45%$-57
Cooper CityTravelers$61-44%$-77
CopelandTravelers$37-55%$-72
Coral GablesTravelers$73-41%$-79
Coral TerraceTravelers$69-42%$-80
CortezTravelers$42-54%$-79
CottondaleTravelers$44-33%$-35
Country ClubTravelers$71-45%$-92
CrawfordvilleTravelers$45-38%$-44
Crescent CityTravelers$37-54%$-70
CrestviewState Farm$43-40%$-46
Cross CityState Farm$44-40%$-46
Crystal BeachTravelers$52-51%$-88
Crystal RiverTravelers$44-48%$-66
Cutler BayTravelers$69-43%$-84
Cypress LakeTravelers$38-55%$-73
Dade CityTravelers$54-49%$-83
DaniaTravelers$63-48%$-91
DavenportTravelers$50-45%$-65
DebaryTravelers$43-49%$-67
Deerfield BeachTravelers$66-47%$-93
Defuniak SpringsState Farm$43-34%$-36
De Funiak SpringsState Farm$43-34%$-36
DelandTravelers$40-52%$-70
De Leon SpringsTravelers$39-53%$-71
DestinState Farm$43-40%$-46
Doctor PhillipsTravelers$50-47%$-70
Doctors InletTravelers$44-52%$-74
DoverTravelers$56-50%$-90
DundeeTravelers$48-48%$-70
DunedinTravelers$51-53%$-89
DunnellonTravelers$42-48%$-61
DurantTravelers$56-52%$-99
Eagle LakeTravelers$46-50%$-74
EarletonTravelers$44-38%$-44
East BronsonState Farm$44-42%$-50
East LakeTravelers$52-51%$-89
Eastlake WeirTravelers$37-53%$-67
East MiltonState Farm$43-46%$-59
East PalatkaTravelers$44-46%$-60
EastpointState Farm$46-33%$-37
Eaton ParkTravelers$46-53%$-82
EbroState Farm$46-33%$-36
EdgewaterTravelers$37-54%$-71
Eglin AFBState Farm$43-39%$-45
Egypt Lake-LetoTravelers$69-51%$-113
El JobeanTravelers$37-59%$-83
ElktonTravelers$43-45%$-56
EllentonTravelers$43-54%$-80
EnglewoodTravelers$37-52%$-65
EnsleyTravelers$44-45%$-57
EsteroTravelers$39-53%$-68
EustisTravelers$41-49%$-64
Everglades CityTravelers$37-53%$-67
EvinstonTravelers$44-47%$-62
FairfieldTravelers$44-48%$-66
Feather SoundTravelers$56-48%$-81
FeldaTravelers$38-55%$-73
FellsmereTravelers$41-52%$-72
Fernandina BeachTravelers$43-44%$-55
FerndaleTravelers$42-53%$-77
Fern ParkTravelers$49-43%$-60
Ferry PassTravelers$45-44%$-56
Fisher IslandState Farm$44-64%$-125
Fish HawkTravelers$52-53%$-93
Flagler BeachTravelers$38-53%$-68
Flagler EstatesTravelers$43-45%$-57
Fleming IslandTravelers$45-47%$-64
FlorahomeTravelers$45-45%$-58
Floral CityTravelers$42-50%$-67
Florida CityTravelers$68-46%$-91
Florida RidgeTravelers$43-50%$-69
Fort Mc CoyTravelers$39-51%$-64
Fort MeadeTravelers$44-50%$-69
Fort Myers BeachTravelers$38-53%$-69
Fort OgdenTravelers$39-56%$-79
Fort PierceTravelers$50-47%$-70
Fort Pierce NorthTravelers$50-47%$-71
Fort Walton BeachState Farm$43-39%$-45
Fort WhiteTravelers$43-47%$-60
FountainTravelers$44-40%$-46
FountainebleauTravelers$68-47%$-95
Four CornersTravelers$46-48%$-68
FreeportState Farm$43-35%$-37
FrostproofTravelers$44-50%$-69
Fruit CoveState Farm$48-39%$-50
Fruitland ParkTravelers$40-50%$-64
Fuller HeightsTravelers$49-45%$-65
GenevaTravelers$44-48%$-65
GeorgetownTravelers$37-54%$-70
GibsontonTravelers$56-52%$-97
GiffordTravelers$40-54%$-74
Glen St. MaryTravelers$45-44%$-57
Glenvar HeightsTravelers$69-40%$-75
GlenwoodTravelers$39-58%$-85
Golden GateTravelers$39-51%$-64
GoodlandTravelers$41-48%$-61
GothaTravelers$52-45%$-66
GouldsTravelers$73-42%$-85
GracevilleTravelers$44-33%$-35
GrahamTravelers$45-48%$-68
GrandinTravelers$38-58%$-83
Grand IslandTravelers$40-51%$-65
Grand RidgeTravelers$46-31%$-33
Grant-ValkariaTravelers$42-51%$-69
GreenacresTravelers$62-54%$-116
Green Cove SpringsTravelers$45-45%$-59
GreensboroState Farm$46-36%$-40
GreenvilleTravelers$43-41%$-47
GreenwoodState Farm$46-31%$-33
GretnaState Farm$46-36%$-41
GrovelandTravelers$43-48%$-63
Gulf BreezeTravelers$44-46%$-59
Gulf Gate EstatesTravelers$39-52%$-67
Gulf HammockState Farm$44-39%$-45
GulfportTravelers$56-49%$-86
Haines CityTravelers$47-49%$-72
Hallandale BeachTravelers$68-43%$-83
HamptonTravelers$46-43%$-54
HavanaTravelers$44-40%$-46
HawthorneTravelers$44-43%$-54
HernandoTravelers$41-52%$-71
Highland CityTravelers$49-46%$-66
High SpringsTravelers$46-35%$-39
HilliardTravelers$45-43%$-54
Hobe SoundTravelers$52-43%$-63
HolderTravelers$41-52%$-70
HolidayTravelers$53-55%$-101
HollisterTravelers$43-47%$-62
Holly HillTravelers$38-55%$-74
Holmes BeachTravelers$42-54%$-79
HoltState Farm$43-40%$-46
HomelandTravelers$47-48%$-68
Homosassa SpringsTravelers$43-51%$-70
Horseshoe BeachTravelers$43-41%$-47
HosfordTravelers$44-39%$-44
Howey-in-the-HillsState Farm$44-46%$-60
HudsonTravelers$52-54%$-98
Hurlburt FieldState Farm$43-40%$-46
ImmokaleeTravelers$38-54%$-73
IndialanticTravelers$43-47%$-61
Indian Lake EstatesTravelers$47-48%$-69
Indian Rocks BeachTravelers$54-48%$-80
IndiantownTravelers$50-46%$-68
InglisState Farm$44-39%$-46
Inlet BeachState Farm$43-38%$-43
Intercession CityTravelers$49-49%$-76
InterlachenTravelers$38-53%$-68
InvernessTravelers$43-49%$-67
Inverness Highlands SouthTravelers$42-50%$-69
IonaTravelers$38-55%$-72
Islamorada, Village of IslandsMetropolitan Group$53-34%$-48
Island GroveTravelers$46-45%$-59
IstachattaTravelers$48-54%$-89
Ives EstatesTravelers$68-48%$-99
Jacksonville BeachTravelers$47-43%$-58
Jasmine EstatesTravelers$55-52%$-94
JasperState Farm$46-37%$-43
JenningsState Farm$46-37%$-43
Jensen BeachTravelers$50-46%$-68
JupiterState Farm$55-48%$-82
Jupiter FarmsState Farm$55-48%$-80
Jupiter FarmsTravelers$55-48%$-80
KathleenTravelers$49-47%$-69
KenansvilleTravelers$53-45%$-68
Kendale LakesTravelers$72-43%$-86
KendallTravelers$66-43%$-78
Kendall WestTravelers$71-44%$-88
Key BiscayneState Farm$71-43%$-87
Key Colony BeachMetropolitan Group$53-32%$-44
Key LargoMetropolitan Group$53-36%$-51
KeystoneTravelers$53-55%$-100
Keystone HeightsTravelers$45-44%$-55
Key WestMetropolitan Group$53-30%$-39
KillarneyTravelers$52-48%$-78
LabelleTravelers$38-54%$-71
La CrosseTravelers$45-39%$-45
Lady LakeTravelers$32-59%$-74
Lake AlfredTravelers$47-48%$-69
Lake ButlerTravelers$48-43%$-59
Lake CityTravelers$43-47%$-61
Lake ComoTravelers$38-53%$-68
Lake GenevaTravelers$32-64%$-89
Lake HamiltonTravelers$47-50%$-74
Lake HarborTravelers$55-49%$-85
Lake HelenTravelers$44-48%$-65
Lakeland HighlandsTravelers$49-45%$-63
Lake LorraineState Farm$43-39%$-44
Lake MagdaleneTravelers$66-48%$-98
Lake MaryTravelers$42-50%$-68
Lake MonroeTravelers$42-54%$-79
Lake PanasoffkeeState Farm$44-45%$-58
Lake ParkTravelers$62-53%$-110
Lake PlacidTravelers$40-49%$-63
LakeshoreTravelers$47-48%$-69
Lake WalesTravelers$47-48%$-68
Lakewood ParkTravelers$43-54%$-79
Lake WorthTravelers$62-55%$-123
LamontTravelers$43-41%$-47
Lanark VillageState Farm$46-35%$-39
Land O' LakesTravelers$54-50%$-86
LaurelTravelers$38-51%$-62
Laurel HillState Farm$43-40%$-46
LawteyState Farm$46-43%$-55
LealmanTravelers$60-46%$-82
LecantoTravelers$44-48%$-64
LeeTravelers$42-41%$-47
LeesburgTravelers$40-51%$-65
Lehigh AcresTravelers$48-54%$-89
Live OakTravelers$43-41%$-47
LloydTravelers$43-48%$-64
LochloosaTravelers$45-46%$-61
LockhartTravelers$54-47%$-75
Longboat KeyTravelers$40-52%$-68
Long KeyTravelers$42-50%$-67
LongwoodTravelers$51-41%$-57
LoridaTravelers$40-50%$-63
LoughmanTravelers$49-47%$-69
LowellTravelers$45-48%$-65
LuluTravelers$45-46%$-61
LutzTravelers$54-53%$-99
Lynn HavenTravelers$43-41%$-48
MacclennyTravelers$45-44%$-57
Madeira BeachTravelers$54-49%$-83
MadisonTravelers$42-41%$-47
MaitlandTravelers$47-49%$-71
MalabarTravelers$44-49%$-67
MaloneState Farm$46-31%$-33
MangoTravelers$55-53%$-99
MarathonMetropolitan Group$53-31%$-42
Marathon ShoresMetropolitan Group$53-38%$-57
Marco IslandTravelers$41-47%$-59
MariannaState Farm$46-31%$-33
Mary EstherState Farm$43-40%$-45
MascotteTravelers$43-48%$-64
MayoTravelers$42-42%$-48
Mc AlpinTravelers$43-42%$-50
Mc DavidState Farm$43-44%$-54
Mc IntoshTravelers$45-40%$-47
Meadow WoodsTravelers$53-45%$-70
Melbourne BeachTravelers$43-47%$-61
MelroseTravelers$38-52%$-66
Merritt IslandTravelers$43-47%$-61
Mexico BeachTravelers$44-39%$-45
Miami SpringsTravelers$62-51%$-102
MicanopyTravelers$44-40%$-46
MiccoTravelers$42-50%$-67
MiddleburgTravelers$45-46%$-62
Mid FloridaTravelers$47-49%$-72
MidwayTravelers$44-42%$-51
MilliganState Farm$43-47%$-60
MiltonState Farm$43-45%$-57
MimsTravelers$38-53%$-69
MinneolaTravelers$42-49%$-64
Miramar BeachState Farm$43-38%$-43
MolinoTravelers$46-43%$-54
MonticelloTravelers$43-42%$-49
MontverdeTravelers$42-49%$-64
Moore HavenState Farm$46-44%$-57
MorristonState Farm$44-41%$-49
Mossy HeadState Farm$43-43%$-52
Mount DoraTravelers$42-48%$-62
MurdockTravelers$39-57%$-81
Myakka CityTravelers$41-55%$-79
Myrtle GroveTravelers$43-46%$-58
NalcrestTravelers$47-48%$-70
NaplesTravelers$40-50%$-65
Naples ManorTravelers$41-47%$-58
NavarreTravelers$44-45%$-57
Neptune BeachTravelers$47-44%$-58
NewberryTravelers$46-37%$-43
New Port RicheyTravelers$54-52%$-94
New Smyrna BeachTravelers$39-52%$-68
NicevilleState Farm$43-39%$-45
NicholsTravelers$49-49%$-75
NobletonTravelers$52-46%$-70
NocateeTravelers$44-45%$-57
NomaTravelers$44-42%$-51
North Fort MyersTravelers$39-54%$-73
North LauderdaleTravelers$65-48%$-94
North Miami BeachTravelers$68-51%$-111
North Palm BeachTravelers$56-51%$-94
North Weeki WacheeTravelers$53-45%$-70
Oak HillTravelers$38-54%$-72
Oakland ParkTravelers$63-48%$-94
Oakleaf PlantationTravelers$45-47%$-65
Oak RidgeTravelers$55-50%$-88
O BrienTravelers$42-42%$-48
OchopeeTravelers$38-53%$-68
OcklawahaTravelers$38-52%$-66
OcoeeState Farm$83-41%$-89
OkahumpkaState Farm$44-44%$-56
OkeechobeeTravelers$51-51%$-83
OldsmarTravelers$53-51%$-86
Old TownState Farm$44-40%$-46
OlusteeTravelers$42-47%$-60
OnaTravelers$39-52%$-68
OnecoTravelers$41-58%$-89
Opa-lockaTravelers$72-46%$-99
Orange CityTravelers$43-50%$-68
Orange LakeTravelers$45-40%$-47
Orange SpringsTravelers$37-53%$-68
Ormond BeachTravelers$38-53%$-68
Ormond-By-The-SeaTravelers$38-54%$-72
OspreyTravelers$38-51%$-63
OsteenTravelers$37-56%$-76
Otter CreekState Farm$44-39%$-46
OviedoTravelers$45-48%$-66
OxfordTravelers$49-56%$-101
OzonaTravelers$52-55%$-101
PaceTravelers$46-44%$-56
PahokeeTravelers$63-44%$-79
PaisleyTravelers$37-55%$-72
PalatkaTravelers$38-53%$-69
Palm BeachTravelers$63-55%$-122
Palm Beach GardensTravelers$56-51%$-94
Palm CityTravelers$50-46%$-67
PalmdaleTravelers$39-52%$-66
PalmettoTravelers$42-54%$-80
Palmetto BayTravelers$65-45%$-83
Palm HarborTravelers$52-51%$-88
Palm ValleyTravelers$44-45%$-57
PanaceaTravelers$44-39%$-44
Panama CityTravelers$43-40%$-47
Panama City BeachTravelers$44-40%$-47
ParrishTravelers$41-55%$-80
Patrick AFBTravelers$44-46%$-61
PaxtonState Farm$43-45%$-57
Pelican BayTravelers$39-49%$-59
PerryTravelers$42-41%$-47
PiersonTravelers$38-54%$-71
Pine CastleTravelers$53-51%$-88
PinecrestTravelers$64-46%$-86
Pine HillsTravelers$55-53%$-98
PinelandTravelers$39-51%$-64
Pinellas ParkTravelers$52-51%$-88
Pine RidgeState Farm$44-48%$-64
PinettaTravelers$42-42%$-48
PlacidaTravelers$37-52%$-63
Plant CityTravelers$55-51%$-90
PlymouthTravelers$37-62%$-97
PoincianaTravelers$50-49%$-77
Polk CityTravelers$50-44%$-63
Pomona ParkTravelers$37-54%$-70
Ponce de LeonState Farm$43-34%$-35
Port CharlotteTravelers$37-53%$-65
Port Saint LucieTravelers$80-40%$-85
Port St. JoeTravelers$44-35%$-38
Port St. JohnState Farm$46-43%$-57
PrincetonTravelers$70-43%$-85
Punta GordaTravelers$39-49%$-60
Putnam HallTravelers$37-58%$-81
QuincyTravelers$45-37%$-42
RaifordTravelers$44-44%$-56
ReddickTravelers$44-44%$-55
Richmond WestTravelers$68-46%$-91
Ridge ManorTravelers$54-48%$-79
River RanchTravelers$47-47%$-67
RiverviewTravelers$55-52%$-95
Riviera BeachTravelers$62-53%$-111
RockledgeTravelers$45-46%$-61
RotondaTravelers$37-53%$-65
Royal Palm BeachTravelers$65-51%$-107
RuskinTravelers$55-50%$-88
Safety HarborTravelers$53-51%$-86
Saint PetersburgTravelers$86-45%$-115
SalemTravelers$43-41%$-47
San AntonioTravelers$54-49%$-83
San Carlos ParkTravelers$37-55%$-72
SandersonTravelers$44-46%$-59
SanibelTravelers$37-54%$-69
San MateoTravelers$44-46%$-60
Santa Rosa BeachState Farm$43-35%$-37
Sarasota SpringsTravelers$39-52%$-68
Satellite BeachTravelers$44-45%$-58
SatsumaTravelers$44-46%$-60
ScottsmoorTravelers$45-51%$-74
SebastianTravelers$41-52%$-70
SebringTravelers$40-50%$-64
SeminoleTravelers$53-49%$-82
SevilleTravelers$38-54%$-71
Shady GroveTravelers$43-41%$-48
Shady HillsTravelers$51-50%$-81
Siesta KeyTravelers$38-53%$-68
Silver SpringsTravelers$38-54%$-70
SneadsTravelers$46-32%$-34
SopchoppyTravelers$44-39%$-44
SorrentoTravelers$43-48%$-65
South BayTravelers$62-45%$-81
South DaytonaTravelers$38-55%$-72
SouthgateTravelers$40-51%$-66
South Miami HeightsTravelers$73-42%$-85
South VeniceTravelers$37-52%$-63
SparrTravelers$38-56%$-77
Spring HillTravelers$58-47%$-82
StarkeTravelers$46-43%$-55
St. AugustineTravelers$42-45%$-55
St. Augustine ShoresTravelers$42-45%$-55
St. CloudTravelers$52-46%$-70
SteinhatcheeTravelers$43-41%$-48
St. James CityTravelers$37-55%$-72
St. LeoTravelers$55-49%$-86
St. MarksTravelers$45-38%$-44
St. Pete BeachTravelers$54-50%$-87
StuartTravelers$51-45%$-66
Sugarmill WoodsState Farm$44-49%$-67
SumatraState Farm$46-52%$-79
SummerfieldTravelers$35-55%$-70
Summerland KeyMetropolitan Group$53-31%$-41
SumtervilleState Farm$44-44%$-56
Sun CityTravelers$48-57%$-100
Sun City CenterTravelers$55-49%$-86
Sunny Isles BeachTravelers$66-49%$-102
SunsetTravelers$66-47%$-92
SurfsideTravelers$68-45%$-87
SuwanneeTravelers$44-40%$-47
SweetwaterTravelers$76-41%$-83
SydneyTravelers$48-57%$-101
TallevastTravelers$39-57%$-82
TamiamiTravelers$69-46%$-94
Tarpon SpringsTravelers$52-52%$-89
TavaresTravelers$39-52%$-67
TelogiaTravelers$43-47%$-61
Temple TerraceTravelers$59-52%$-101
TequestaTravelers$52-50%$-82
Terra CeiaTravelers$42-54%$-80
The AcreageTravelers$60-50%$-96
The CrossingsTravelers$72-42%$-81
The HammocksTravelers$68-45%$-88
The MeadowsTravelers$40-52%$-70
The VillagesTravelers$32-59%$-74
ThonotosassaTravelers$55-51%$-93
TitusvilleTravelers$46-44%$-58
Town 'n' CountryTravelers$65-50%$-101
TrentonState Farm$44-40%$-47
TrilbyTravelers$55-52%$-95
Tyndall AFBTravelers$43-41%$-46
UmatillaTravelers$37-54%$-69
UniversityTravelers$58-48%$-85
University ParkTravelers$76-41%$-82
Upper Grand LagoonTravelers$43-41%$-47
ValparaisoState Farm$43-39%$-45
ValricoTravelers$70-51%$-119
VeniceTravelers$37-52%$-63
VenusTravelers$39-51%$-64
VernonState Farm$46-31%$-34
Vero BeachTravelers$41-52%$-71
WabassoTravelers$41-52%$-71
WaldoTravelers$44-38%$-44
WarringtonTravelers$43-45%$-58
WauchulaTravelers$44-46%$-60
WausauState Farm$46-32%$-34
WebsterState Farm$44-47%$-64
WedgefieldTravelers$51-45%$-67
WeirsdaleTravelers$35-55%$-69
Wekiwa SpringsTravelers$42-51%$-70
WelakaTravelers$44-47%$-61
WellbornTravelers$43-43%$-51
Wesley ChapelTravelers$54-50%$-85
WestchaseTravelers$53-55%$-103
West LealmanTravelers$60-46%$-81
West Little RiverTravelers$71-47%$-99
West MelbourneTravelers$42-49%$-64
WestonTravelers$58-47%$-83
West PensacolaTravelers$44-45%$-58
WestviewTravelers$78-43%$-96
WestvilleTravelers$45-32%$-34
WewahitchkaTravelers$44-35%$-39
White SpringsTravelers$44-41%$-49
WildwoodState Farm$44-44%$-56
WillistonState Farm$44-42%$-50
WimaumaTravelers$52-52%$-89
Winter GardenTravelers$52-43%$-62
Winter HavenTravelers$47-49%$-72
Winter ParkTravelers$49-47%$-68
Winter SpringsTravelers$51-41%$-57
WrightState Farm$43-39%$-45
YalahaState Farm$44-45%$-59
YankeetownState Farm$44-39%$-46
YoungstownTravelers$44-39%$-46
YuleeTravelers$43-45%$-57
ZellwoodTravelers$50-45%$-65
ZephyrhillsTravelers$53-51%$-86
Zolfo SpringsTravelers$39-52%$-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%.

Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record: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 Adult Drivers in Florida

Travelers offers Florida's lowest rates for adult drivers: $51 monthly for minimum coverage and $112 for full coverage.

Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
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.

Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record: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

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.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
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.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
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).

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
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.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
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.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
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$1,1752%$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. 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. 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. 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. 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. 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. 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. 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:

    accident2 icon

    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.

    hurricane icon

    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.

    injury icon

    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.

    uninsured icon

    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.

    handcuffs2 icon

    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?

Who has the cheapest car insurance rates for young drivers in Florida?

Who offers the cheapest car insurance rates for seniors in Florida?

Who has the cheapest car insurance in Florida for bad credit?

Who has the cheapest car insurance in Florida with an accident?

Who has the cheapest car insurance in Florida with a DUI?

Who has the cheapest car insurance in Florida for those with a speeding ticket?

Should you buy the cheapest car insurance 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 headshot

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.


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