Best Car Insurance in Florida for 2025 [Review the Top 10 Companies Here]

Geico, Travelers, and Progressive offer the best car insurance in Florida, starting at $16 a month. Geico is the top choice for its cost savings and 25% bundling discount. Travelers offer the best customer service, while Progressive is renowned for its NameYourPrice tool tailored to the local drivers in Florida.

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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Feb 4, 2025

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Top Pick in Florida: Geico
4.5

Table of Contents

Company Facts

Full Coverage in Florida

$89/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • 24/7 customer support with an easy-to-use mobile app
  • Discounts for bundling and multiple vehicles
  • Accident forgiveness program available for eligible drivers
  • Highly rated for claims satisfaction by many customers
  • Higher rates for drivers with a history of accidents
  • Limited local agent availability compared to other insurers
  • Rate increases reported after the initial policy term
Best Service in Florida: Travelers
4.4

Company Facts

Full Coverage in Florida

$166/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Competitive pricing for multi-policy discounts
  • Highly rated customer service and claims process
  • Nationwide availability with flexible policy options
  • Solid reputation for insuring high-risk drivers
  • Premium rates can increase without clear reason
  • Limited availability of local agents in certain regions
  • Slow response times reported by some customers
Best Tools in Florida: Progressive
4.4

Company Facts

Full Coverage in Florida

$153/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

  • Affordable Rates for Most Drivers
  • Robust Digital Tools
  • UBI Program Snapshot
  • Generous Discounts
  • Low Customer Loyalty
  • Unexpected Rate Increases
  • Snapshot Can Increase Rates

The companies that offer the best car insurance in Florida are Geico, Travelers, and Progressive, with monthly rates beginning at $16 only for comprehensive coverage.

Best Car Insurance in Florida: Nationwide, The Hartford, and Travelers

Aside from these companies offering the most comprehensive premiums and excellent assistance, Florida is known for higher-than-average car insurance rates.

Read our car insurance guide to understand better how to get cheap Florida car insurance.

Our Top 10 Company Picks: Best Car Insurance in Florida

CompanyRankBundling DiscountA.M. BestBest ForJump to Pros/Cons
Geico: Best Car Insurance in Florida#125%A++Cost SavingsGeico
Travelers: Best Car Insurance in Florida.#213%A++Customer ServiceTravelers
Progressive: Best Car Insurance in Florida#310%A+Budgeting ToolsProgressive
Allstate: Best Car Insurance in Florida#425%A+UBI SavingsAllstate
State Farm: Best Car Insurance in Florida#517%BGood StudentState Farm
American Family: Best Car Insurance in Florida#625%AYoung VolunteersAmerican Family
Farmers: Best Car Insurance in Florida#720%AFamily PlansFarmers
Liberty Mutual: Best Car Insurance in Florida#825%ABusiness VehiclesLiberty Mutual
Nationwide: Best Car Insurance in Florida#920%A+Fleet ManagementNationwide
USAA: Best Car Insurance in Florida#1010%A++Military BenefitsUSAA

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Get a Florida car insurance quotes comparison right now using our free comparison tool. Enter your ZIP code to start comparing cheap Florida car insurance rates now.

Can't-Miss Facts

  • Geico, Travelers, and Progressive are the best car insurance in Florida
  • Geico ranked first with rates for as low as $30 per month for coverage
  • Travelers and Progressive provide convenience through service and tools

#1 – Geico: Top Overall Pick

Geico: Best Car Insurance in Florida

Pros

  • Cheaper Rates: Offers an incredible rate for premiums in Florida. Read below to know more about premiums and if will Geico insure a car not under your name.
  • Big Savings: Provides a discount of 25% for home and auto policies combined.
  • User-Friendly Mobile App: Features quick claims filing, roadside assistance, and policy management.

Cons

  • Limited Support: Only a few local agents are available for in-person assistance.
  • Post-Accident Increases: After accidents or violations, premiums rise significantly.

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#2 – Travelers: Best for Customer Service

Travelers: Best Car Insurance in Florida

Pros

  • Outstanding Customer Service: Empowers the trust and satisfaction of customers in Florida through excellent support and assistance.
  • Coverage Options Diversity: Provides unique add-ons for the special needs of the state’s insurance landscape.
  • Eco-Friendly Discount: Helps environmentally conscious drivers in Florida, especially savings for hybrid and electric vehicles.

Cons

  • Increasing Premiums: The increasing rate and premium may not suit all budgets in the region.
  • Limited Youth Discounts: Younger Florida drivers might lack opportunities for savings. To capture more ideas, read our car insurance with telematics guide.

#3 – Progressive: Best for Budgeting Tools

Progressive: Best Car Insurance in Florida

Pros

  • Innovative Budgeting Tools: Helps Florida drivers align their budgets to the coverage to uplift affordability for their needs.
  • Unique Coverage: Specialized options, including rideshare insurance, are the best for gig workers in Florida’s growing economy.
  • Advanced Digital Tools: Creates policy comparisons and management as a critical advantage of a state with high insurance costs.

Cons

  • Penalties for Driving Behavior: Drivers in Florida may unexpectedly face increases due to strict monitoring. For assistance, read our Progressive car insurance review.
  • Costly for Risky Drivers: This option might find less forgiving by high-risk drivers in Florida when it comes to rates.

#4 – Allstate: Best for UBI Savings

Allstate: Best Car Insurance in Florida

Pros

  • Usage-Based Savings: The Drivewise program rewards drivers with safe habits and is renowned as an ideal choice for responsible Florida drivers.
  • Strong Agent Network: As one of the industry’s largest agent networks, Florida drivers benefit greatly from personal support.
  • Bundling Benefits: It helps residents maximize their dollars by combining life, home, and even auto coverage in one package.

Cons

  • Increasing Base Rates: This may not be ideal and fascinating to cost-conscious drivers seeking affordable insurance in Florida.
  • Program Dependency: Florida drivers might find it inappropriate if discounts are tied to some programs available. Seek more details through our Allstate car insurance review.

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#5 – State Farm: Best for Good Student

State Farm: Best Car Insurance in Florida

Pros

  • Discounts for Students: Academically successful young drivers in Florida are rewarded, supporting affordability for their families.
  • Extensive Agent Network: Face-to-face accessibility in Florida is provided to help the residents conveniently.
  • Reliable Claims Service: The consistent branding for quick claims resolution makes it the best option in Florida’s market.

Cons

  • No Green Vehicle Perks: Florida residents with hybrid or electric vehicles are only offered little incentive. Visit our State Farm car insurance review for guidance.
  • Outdated Digital Tools: This may be a drawback behind competitors’ tech-savvy features and the digital-first market in Florida.

#6 – American Family: Best for Young Volunteers

American Family: Best Car Insurance in Florida

Pros

  • Youth Volunteer Discounts: Renowned for encouraging community involvement by offering discounts to Florida drivers.
  • Policy Customization: With millions of population in Florida, tailored plans help meet driver’s needs.
  • Strong Safety Features: Drivers in Florida who allot money in safety features through technology, are being rewarded.

Cons

  • Limited Availability: Drivers of Florida in rural areas can see fewer options than larger providers. Compare these providers through our American Family vs. State Farm review.
  • Increased Average Rates: May not be competent in the crowded market of Florida, specifically for budget-conscious drivers.

#7 – Farmers: Best for Family Plans

Farmers: Best Car Insurance in Florida

Pros

  • Family-Oriented Plans: As the best option for multi-driver households in Florida, it is designed with families in mind.
  • Comprehensive Policy Options: Extensive add-ons are offered to Florida’s insurance needs, like roadside assistance and rental car coverage.
  • Claims Forgiveness Program: As a rare perk in the state, it keeps rates steady for Floridians after their first accident.

Cons

  • Limited Discounts: Florida drivers might feel disappointed with the limited savings opportunities. Find details through our Farmers car insurance review.
  • Premiums for Inexperienced Drivers: Inexperienced driving enthusiasts may pay higher and more expensive premiums.

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#8 – Liberty Mutual: Best for Business Vehicles

Liberty Mutual: Best Car Insurance in Florida

Pros

  • Business Vehicle Coverage: This feature creates opportunities for entrepreneurs since it offers tailored policies for business fleets.
  • Editable Discounts: Provides options on how to save, ensuring efficiency and affordability for Florida drivers. See information through our Liberty Mutual car insurance review.
  • Strong Online Tools: Easy-to-use applications and sites make managing policies easier for busy residents in Florida.

Cons

  • Customer Service Inconsistency: As a factor that impacts overall satisfaction, Floridians report disappointing service assistance.
  • High Deductibles: Policies may require increasing costs, which is unsuitable for budget-focused Florida drivers.

#9 – Nationwide: Best for Fleet Management

Nationwide: Best Car Insurance in Florida

Pros

  • Fleet Management Expertise: Provides special plans for businesses in Florida, perfect for large-scale operations.
  • Vanishing Deductible: Rewards safe driving habits in Florida through deduction over time for customers to save money.
  • Strong Financial Ratings: A strong brand image ensures Floridians that their claims will be paid on time. Understand it better through our Nationwide car insurance review.

Cons

  • Limited Local Agents: There is a big difference in the provided level of assistance in rural areas of Florida.
  • Higher Base Rates: This feature may not be competent when shopping for cheap car insurance in Florida.

#10 – USAA: Best for Military Benefits

USAA: Best Car Insurance in Florida

Pros

  • Exclusive Military Benefits: Policies including deployment discounts and other significant options were made for military families in Florida.
  • Low Rates: Budget-friendly rates ensure help from Florida residents to save their dollars efficiently. Find more details through our USAA car insurance review.
  • Claims Satisfaction Superiority: Highly rated for efficiently solving claims, making drivers in Florida feel at ease.

Cons

  • Eligibility Restrictions: Restricted for military members and their families only, creating a great wall and access for normal people in Florida.
  • Limited Local Offices: The reliance on virtual assistance through phone is not ideal for Floridians seeking in-person service.

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Car Insurance Coverage and Rates in Florida

Insurance will always be required no matter which state you drive in. To help you find the best car insurance in Florida for young adults, we have provided the monthly car insurance coverage and rates in Florida below to help you understand the right car insurance provider that can benefit you.

Florida Car Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Best Car Insurance in Florida$61$183
American Family: Best Car Insurance in Florida$63$188
Farmers: Best Car Insurance in Florida$76$227
Geico: Best Car Insurance in Florida$30$89
Liberty Mutual: Best Car Insurance in Florida$54$161
Nationwide: Best Car Insurance in Florida$34$103
Progressive: Best Car Insurance in Florida$51$153
State Farm: Best Car Insurance in Florida$33$99
Travelers: Best Car Insurance in Florida.$56$166
USAA: Best Car Insurance in Florida$16$47

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The right car insurance provider can help you understand Florida’s car insurance laws. Continue reading to learn how additional types of coverage can bail you out should you ever find yourself in high water.

Many factors affect car insurance rates, but understanding them can help you save. We’ll show you how to lower your costs and find the best car insurance in Florida for seniors.

Car Insurance Discounts From Top Florida Providers

Insurance CompanyBundlingGood StudentMulti-VehicleSafe DriverDistant Student
Allstate: Best Car Insurance in Florida15%25%25%30%10%
American Family: Best Car Insurance in Florida18%25%25%30%10%
Farmers: Best Car Insurance in Florida18%25%25%30%10%
Geico: Best Car Insurance in Florida25%25%25%22%10%
Liberty Mutual: Best Car Insurance in Florida25%25%25%30%10%
Nationwide: Best Car Insurance in Florida15%25%25%30%10%
Progressive: Best Car Insurance in Florida7%25%25%30%10%
State Farm: Best Car Insurance in Florida23%25%25%30%10%
Travelers: Best Car Insurance in Florida.11%25%25%30%10%
USAA: Best Car Insurance in Florida6%25%25%30%10%

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We are here to help you understand car insurance in the Sunshine State and to simplify the data you will need to make an educated decision when choosing a car insurance provider and the types of coverage that are best for you.

Keep scrolling to determine the different types of car insurance coverage required by Florida State law, how much insurance you need for your car, and how we can help you get the most for your money. To begin, enter your ZIP code below.

Average Monthly Car Insurance Rates in Florida by Age and Gender

Like any other factors, age and gender can impact how much you pay for your car insurance needs, whatever state you live in. See the details below to understand better the average monthly car insurance rates in Florida by age and gender.

Remember that factors like age, gender, and marital status can influence your car insurance rates. Understanding how these impact your premiums can help you make more informed coverage options.

Jeffrey Manola Licensed Insurance Agent

It is interesting to note that a single 25-year-old female pays about the same as a female who is 60 years old and married, whereas the rates for males tend to decrease with age.

Florida Car Insurance Monthly Rates by Provider, Age, & Gender

Insurance CompanyAge: 18 FemaleAge: 18 MaleAge: 25 FemaleAge: 25 MaleAge: 30 FemaleAge: 30 MaleAge: 65 FemaleAge: 65 Male
Allstate: Best Car Insurance in Florida$789$831$270$271$251$252$257$240
American Family: Best Car Insurance in Florida$659$894$269$317$250$295$244$246
Farmers: Best Car Insurance in Florida$1,311$1,379$378$394$351$367$299$297
Geico: Best Car Insurance in Florida$228$298$141$145$131$135$115$117
Liberty Mutual: Best Car Insurance in Florida$423$640$223$272$207$253$211$211
Nationwide: Best Car Insurance in Florida$415$522$163$171$151$159$137$135
Progressive: Best Car Insurance in Florida$609$673$277$267$258$248$210$200
State Farm: Best Car Insurance in Florida$332$416$151$160$141$149$130$130
Travelers: Best Car Insurance in Florida.$1,195$1,668$240$261$224$243$215$218
USAA: Best Car Insurance in Florida$200$233$84$90$78$84$62$61

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Your age and gender are not the only things that can impact your car insurance rates. Your credit rating and driving history also significantly affect Florida auto insurance rates. To understand deeply how these factors can impact your premiums and identify ways to lower your costs, explore our car insurance quotes, tips, and savings.

Monthly Car Insurance Rates in FL for Liability, Collision, and Comprehensive

Now, we’ll cover some of the Florida car insurance laws because getting the most out of every dollar you spend on car insurance means understanding what is required of you as a car owner in Florida.

Best Car Insurance in Florida: Factors That Affect Car Insurance Rates Definition Card

First, understand the car insurance requirements for Florida, research the car insurance companies available in your area, and then shop around for the best rates from each that can help keep your costs down.

5 Most Common Car Insurance Claims in Florida

Claim TypePortion of ClaimsCost per Claim
Collision30%$3,000
Liability25%$2,500
Comprehensive20%$1,500
Personal Injury Protection (PIP)15%$5,000
Uninsured/Underinsured Motorist10%$4,000

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Why is Florida car insurance so expensive? Florida has a dense population with major metropolitan areas across the state. It also has no-fault insurance, which tends to drive up rates. Continue reading to see how much the average car insurance rate will cost in those areas.

Read more: “Dollar-a-Day Insurance Coverage

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Cheapest Florida Car Insurance Rates by ZIP Code

Most people don’t know that their address can impact their car insurance rates. Where you live can determine the car insurance rate that you might receive. Check out car insurance by zip code in this section to find the best bang for your buck car insurance.

Florida Report Card: Car Insurance Premiums

CategoryGradeExplanation
Traffic Density B-Dense traffic raises accident risk
Vehicle Theft Rate C+Slightly above-average theft rates
Average Claim SizeCHigh repair costs increase premiums
Uninsured Drivers Rate D+Many drivers lack active insurance
Weather-Related RisksDHurricanes and flooding increase claims

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The list of car insurance companies in Miami, Florida, is competitive and expensive. Take advantage of discounts to lower car insurance rates that are higher than average.

Florida Minimum Car Insurance Requirements

CoverageLimits
Property Damage Liability$10,000
Personal Injury Protection (PIP)$10,000

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While living in the city may be convenient, the data reveals that living outside the city center could have advantages, particularly when it comes to securing affordable premiums that exceed the minimum car insurance coverage requirements.

Geico Site Screenshot: Best Car Insurance in Florida

This shows that when investing in car insurance, being an educated consumer and shopping around can result in significant savings. Save big today by entering your ZIP code below.

Cheapest Car Insurance Companies in Florida

Like any financially savvy consumer, you will want to start with the companies with the cheapest rates in Florida, including the top providers, Geico, Progressive, and Travelers. We are here to help you find the most comprehensive and affordable rates for your needs.

Knowing how much purchasing power you have when shopping for the right car insurance provider is essential. Understanding how each provider determines your rates once you become a customer is important. To know other cheapest car insurance in Florida, enter your ZIP code.

Read More: How the States Rank on Uninsured Drivers

Frequently Asked Questions

What are the main factors that contribute to Florida having higher-than-average car insurance rates?

Factors like a dense population, frequent hurricanes, and no-fault laws increase Florida’s average car insurance cost and make it among the most expensive states.

How does living in a specific ZIP code impact car insurance premiums in Florida?

Auto insurance rates by zip code show that urban areas or counties with higher accident rates have more expensive premiums. Enter your ZIP code today to compare.

What advantages does Geico offer compared to other top car insurance providers in Florida?

Geico stands out as one of Florida’s best car insurance companies, offering cost savings through low rates and bundling discounts.

Why is Travelers recognized for customer service, and how does that influence policyholders?

Travelers, one of Florida’s best auto insurance companies, provide top-tier support that helps policyholders feel secure.

What are Progressive’s budgeting tools, and how are they tailored for Florida drivers?

Progressive, part of the list of car insurance companies in Florida, offers budgeting tools that help drivers in Florida customize coverage for affordability. To seek for the best rates, enter your ZIP code now.

What types of coverage are mandatory under Florida’s no-fault insurance laws?

Florida’s laws require auto insurance to include personal injury protection (PIP) and property damage liability (PDL). To understand deeper, check our car insurance basics.

How can drivers in Florida reduce their car insurance rates despite the state’s high average premiums?

Drivers can lower their Florida car insurance rates by county by comparison shopping, claiming discounts, and maintaining good credit.

Why might older women in Florida pay more for car insurance than their male counterparts?

Women often face higher auto insurance premiums in Florida due to statistical risk assessments by insurers. Enter your ZIP code today.

What discounts are commonly available through significant car insurance providers in Florida?

Common discounts from the best full coverage car insurance in Florida include those for bundling policies, safe driving tips and habits, and good student performance.

How does being an educated consumer help in securing better car insurance rates?

Understanding options and shopping smartly ensures finding the best auto insurance rates in Florida tailored to personal needs.

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