Key Takeaways
- The average cost of car insurance in Florida is about 42% higher than the national average.
- Travelers, Geico and State Farm tend to offer the most affordable car insurance rates for Florida drivers.
- Comparing quotes from multiple providers and looking for discounts are the best ways to find the most affordable auto coverage.
Florida drivers pay some of the highest car insurance rates in the country. In this article, our MarketWatch Guides team will examine the average cost of car insurance in Florida for various driver profiles. We’ve also researched the best car insurance companies so we can highlight the best and most affordable providers in the Sunshine State.
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How Much Does Insurance Cost In Florida?
Florida is among the most expensive states for auto insurance. According to estimates from Quadrant Information Services, Florida drivers pay $134 per month or $1,605 per year on average for minimum-coverage auto insurance. This is nearly twice the national average for minimum coverage, which is $72 per month or $869 per year.
When it comes to full-coverage car insurance, drivers in the Sunshine State pay an average of $316 per month or $3,795 per year. This is around 42% more expensive than the national average cost of $223 per month or $2,681 per year.
Florida Minimum Car Insurance Requirements
Drivers in the Sunshine State are required to carry at least:
- $10,000 in personal injury protection (PIP)
- $10,000 in property damage liability insurance
Florida is a no-fault state, which means that regardless of who causes a car accident, each driver’s insurance covers medical expenses for them and their passengers. Florida is one of the few states that does not require bodily injury liability coverage.
It’s important to note that property damage liability coverage only pays for damage to another person’s vehicle. For that reason, many Florida drivers choose to purchase full-coverage policies that include both collision coverage and comprehensive protection.
Collision insurance pays for damage to your vehicle from an accident you cause, while comprehensive coverage protects your car against damage from natural disasters, theft and vandalism.
Affordable Florida Car Insurance
Compared to other states, which you can read about in our car insurance rates by state article, car insurance in Florida is generally quite expensive. Our data shows Florida is the sixth-most expensive state for full coverage and fifth-most expensive state for minimum coverage.
That said, it’s still possible to find affordable rates in the state. We’ll cover the cheapest Florida car insurance companies next. The following cost averages are for 35-year-old Florida motorists with clean driving records and good credit unless noted otherwise.
Cheapest Minimum-Liability Coverage in Florida
Geico, Travelers and State Farm tend to offer the most affordable minimum-liability auto insurance policies in Florida.
| Florida Car Insurance Provider | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Geico | $54 | $650 |
| Travelers | $96 | $1,150 |
| State Farm | $97 | $1,166 |
| National General | $144 | $1,727 |
| Nationwide | $150 | $1,797 |
Cheapest Full-Coverage Car Insurance in Florida
Geico, Travelers and State Farm also feature the lowest full-coverage car insurance rates in Florida.
| Florida Car Insurance Provider | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Geico | $174 | $2,087 |
| Travelers | $198 | $2,371 |
| State Farm | $246 | $2,947 |
| United Automobile Insurance Company (UAIC) | $266 | $3,192 |
| Nationwide | $273 | $3,272 |
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Florida Car Insurance Cost by City
The city you live in has a significant impact on how much you pay for car insurance. Here’s a look at average rates for full- and minimum-coverage car insurance in some of the most populous Florida cities and suburbs.
| City or Suburb | Full Coverage Annual Cost | Minimum Coverage Annual Cost |
|---|---|---|
| Country Club | $5,056 | $2,008 |
| Doral | $4,828 | $1,916 |
| Miami | $4,790 | $2,329 |
| Boynton Beach | $4,784 | $2,116 |
| Hialeah | $4,698 | $2,337 |
| Kendall | $4,655 | $1,731 |
| Town ‘n’ Country | $4,638 | $2,062 |
| Hollywood | $4,523 | $1,860 |
| Wellington | $4,454 | $1,823 |
| West Palm Beach | $4,359 | $1,962 |
| Coral Springs | $4,279 | $1,832 |
| Margate | $4,276 | $1,849 |
| Miramar | $4,268 | $1,730 |
| Brandon | $4,212 | $1,780 |
| $4,193 | $1,753 | |
| Jupiter | $3,727 | $1,499 |
| Kissimmee | $3,615 | $1,557 |
| Alafaya | $3,507 | $1,501 |
| Apopka | $3,453 | $1,491 |
| Port St. Lucie | $3,379 | $1,452 |
| $3,377 | $1,357 | |
| Oviedo | $3,290 | $1,369 |
| Sanford | $3,259 | $1,352 |
| Deltona | $3,252 | $1,328 |
| Palm Bay | $3,151 | $1,292 |
| Clermont | $3,127 | $1,257 |
| Palm Coast | $3,061 | $1,210 |
| Melbourne | $3,057 | $1,248 |
| Ormond Beach | $3,033 | $1,253 |
| The Villages | $2,831 | $1,163 |
| Gainesville | $2,792 | $1,103 |
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Florida Car Insurance Cost: Drivers With Violations
Floridians with an accident, speeding violation or a driving under the influence (DUI) conviction on their driving record pay significantly higher insurance rates than those with clean driving histories.
Cheapest Car Insurance for Florida Drivers With One Speeding Ticket
The following average rates are for drivers with a speeding violation of 16-20 miles per hour over the limit. Travelers is the cheapest option for full coverage while Geico is the cheapest for minimum coverage.
| Florida Car Insurance Provider | Full Coverage Per Month | Full Coverage Per Year |
|---|---|---|
| Travelers | $227 | $2,726 |
| State Farm | $260 | $3,124 |
| Nationwide | $293 | $3,518 |
| Geico | $302 | $3,620 |
| UAIC | $340 | $4,083 |
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| Florida Car Insurance Provider | Minimum Coverage Per Month | Minimum Coverage Per Year |
|---|---|---|
| Geico | $100 | $1,202 |
| State Farm | $106 | $1,277 |
| Travelers | $119 | $1,426 |
| National General | $177 | $2,122 |
| Allstate | $180 | $2,164 |
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Cheapest Car Insurance for Florida Drivers With a Single-Vehicle Accident
Even though everyone uses their own personal injury protection insurance for accidents, causing an accident can increase your rate for a few years. We found Travelers to be the cheapest company for full coverage and Geico the cheapest for minimum coverage in this situation.
| Car Insurance Provider | Full Coverage Per Month | Full Coverage Per Year |
|---|---|---|
| Travelers | $238 | $2,850 |
| Geico | $249 | $2,988 |
| State Farm | $272 | $3,269 |
| Nationwide | $312 | $3,746 |
| UAIC | $343 | $4,119 |
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| Car Insurance Provider | Minimum Coverage Per Month | Minimum Coverage Per Year |
|---|---|---|
| Geico | $81 | $978 |
| State Farm | $117 | $1,399 |
| Travelers | $130 | $1,559 |
| National General | $198 | $2,375 |
| Progressive | $217 | $2,604 |
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Cheapest Car Insurance for Florida Drivers With a DUI
Travelers and Geico rank at the top of the list for drivers with a DUI who want to save money. State Farm is also an affordable option for minimum and full coverage.
| Car Insurance Provider | Full Coverage Per Month | Full Coverage Per Year |
|---|---|---|
| Travelers | $251 | $3,015 |
| State Farm | $260 | $3,124 |
| Geico | $313 | $3,754 |
| Progressive | $317 | $3,809 |
| Nationwide | $384 | $4,610 |
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| Car Insurance Provider | Minimum Coverage Per Month | Minimum Coverage Per Year |
|---|---|---|
| Geico | $1,248 | $104 |
| State Farm | $1,277 | $106 |
| National General | $1,742 | $145 |
| Travelers | $1,755 | $146 |
| Progressive | $2,111 | $176 |
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Factors That Determine Car Insurance Costs
Along with your driving record, a range of criteria affect how much you pay for car insurance.
These are some of the key metrics insurance companies use to set coverage rates:
- Age: Teen drivers and young adults pay higher rates than older drivers.
- Gender: The gender listed on your driver’s license affects insurance costs. Male drivers typically pay higher rates than female drivers.
- Location: The population density and number of insurance claims where you live affect car insurance premiums. For example, insurance premiums might be higher in cities like Miami or Tampa as compared with rates in more rural locations.
- Vehicle type: The type of vehicle you drive and its value have major impacts on auto insurance premiums.
- Marital status: Married drivers usually pay less for auto coverage than their single peers.
- Credit history: Auto insurance companies look at your credit score as a sign of your financial responsibility. Those with high credit scores pay lower rates on average, while those with low credit pay higher average premiums.
How To Save Money on Car Insurance
Comparing quotes from multiple providers is one of the best ways to find cheap car insurance, but it’s not the only way to save money on auto coverage.
The following strategies can help you bring your car insurance costs down:
- Consider local providers: If large auto insurers aren’t the best option for you, consider a smaller company with local agents.
- Ask about discounts: Most providers offer car insurance discounts to help you save money on premiums. Some common discounts include insuring multiple vehicles, bundling policies, having a good student on your policy and being a safe driver.
- Increase your deductible: Boosting your deductible leads to lower car insurance premiums, but having a higher deductible means you’re responsible for more out-of-pocket expenses if you file a claim.
- Take a defensive driving course: Many auto insurers offer discounted rates to those who complete driver safety courses. Even if you have a clean driving history, completing a defensive driving course could help you earn significant savings.
- Drop unnecessary coverage: If you don’t have an auto loan or lease and are driving an older car, having comprehensive and collision coverage may not make sense. Review your coverage to make sure you aren’t paying for protection you don’t need.
Average Cost of Car Insurance in Florida: The Bottom Line
Florida drivers pay higher car insurance premiums than the nationwide average. The state’s minimum-liability requirements are also quite low, which means drivers in the state may want to consider purchasing full-coverage policies that include both collision and comprehensive coverage to ensure they’re fully protected.
Top Auto Insurance Recommendations
Comparing car insurance quotes is the best way to find quality coverage and the most affordable rates to fit your Florida auto insurance needs. We recommend checking out State Farm and Geico to begin your search.
State Farm: Best Customer Experience
Our review team gave State Farm our Best Customer Experience award for its combination of coverage options, affordable rates and excellent industry reputation. In addition to standard auto coverage choices, the company offers extras such as rideshare insurance, uninsured motorist coverage and trip interruption benefits for when you have a covered breakdown far from home.
State Farm’s telematics insurance program, known as , monitors your driving behaviors through a mobile app. Safe habits like slow acceleration and gradual braking can save you up to 30% when you renew your policy.
Read more: State Farm Insurance Review
Geico: Best for Budget-Conscious Drivers
Geico earns our recommendation by offering affordable car insurance across the board and maintaining a reputation for strong customer service. The company features higher coverage limits than many of its competitors.
Geico is also known for its wide variety of discounts, including those for bundling, safe drivers, military members, federal employees and more. The company’s usage-based program, DriveEasy™, can help safe drivers save more money.
Read more: Geico Insurance ReviewCompare: State Farm vs. Geico
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Average Cost of Car Insurance in Florida: FAQ
Below are frequently asked questions about the average cost of car insurance in Florida.
The average monthly cost of car insurance in Florida is $134 for minimum-liability coverage and $316 for full coverage. Florida car insurance rates are well above the national averages of $72 for minimum coverage and $223 for a full-coverage policy.
Extreme weather, a high rate of severe accidents and a large number of uninsured drivers contribute to Florida’s above-average car insurance costs.
No. The state only requires $10,000 in both personal injury protection and property damage liability coverage. A “100/300” plan would cover $100,000 per person for bodily injury and $300,000 for injuries per accident. That would provide extra protection but go well beyond Florida car insurance requirements.
According to Quadrant Information Services, 25-year-old Florida drivers with clean records pay an average of $365 per month for full coverage or $151 per month for minimum coverage. Young drivers typically pay more for coverage, but costs begin to level out as drivers age and gain more experience.
To meet the state’s minimum-liability insurance requirements, you need to have at least $10,000 in both personal injury protection (PIP) and property damage liability insurance. To avoid any penalties associated with being underinsured or operating a car as an uninsured driver, make sure you meet these limits.
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at [email protected].
