Best Car Insurance in Florida 2020

Fact-checked with HomeInsurance.com

6 min read
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Florida presents plenty of challenges to drivers. It’s hit by heavy tropical rainstorms and hurricanes on a routine basis, it has one of the highest concentrations of drivers over 60, and it is the third largest state for licensed drivers in the country.

Florida is one of the most expensive states in which to insure a car, but if you’re willing to do some research and comparison shopping, you can save money on your car insurance premium.

Here’s what you need to know about the best auto insurance in Florida.

The top car insurance companies in Florida

Using J.D. Power as the standard for auto insurance Florida, the following companies provide the best car insurance in Florida:

J.D. Power Rating Factors Overall Satisfaction Policy Offerings Price Billing Process and Policy Information Interaction Claims
Allstate 5/5 5/5 3/5 5/5 5/5 4/5
USAA 5/5 5/5 5/5 5/5 5/5 5/5
Esurance 5/5 5/5 5/5 3/5 3/5 4/5
State Farm 5/5 3/5 3/5 3/5 3/5 3/5
Geico 3/5 3/5 3/5 3/5 3/5 3/5

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Looking to save money on auto insurance?

Looking to save money on auto insurance?

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Allstate

Allstate offers a wide range of standard car insurance coverage choices, an exceptional web presence full of tools and useful information for both members and nonmembers and a slew of easy and practical ways members can save on their premiums.

It’s no wonder, then, that J.D. Power considers Allstate the best provider in Florida. Scoring 5 out of 5 on overall satisfaction and policy offerings, the only thing it scored average on was its price. This is forgivable since it offers so many discounts.

USAA

USAA would have taken the number one spot were it not for one thing — it’s only available to active and retired military and their families. If this is you, put USAA on your extreme short list because it scored a 5 out of 5 for every single category. Customers with USAA couldn’t be any happier with it.

Esurance

Customers with Esurance love their insurer, and so J.D. Power rated it a 5 out of 5 for overall customer satisfaction. However, when asked specific questions about policy information, the billing process and interaction with the company, consumers rated it a 3 out of 5 (which equates to an ‘average’ performance).

All that aside, Esurance has a streamlined online quote system that lets you get a quote and sign up for your car insurance policy without ever having to talk to an agent, which is kind of a must because you can save 5% just by signing up online. Plus, if you use their DriveSense® technology to track your driving habits, you can earn additional savings on your policy.

State Farm

State Farm enables younger drives and students to save by taking defensive driving courses and for being good students. Customers of all ages have mixed reviews, though many have stated on the Better Business Bureau website that they enjoy good rates and appreciate the ease of filing claims.

All this explains why Floridians, via J.D. Power, gave State Farm a 3 out of 5 in every major rating category.

That said, State Farm does have a lot going for it when compared to other insurance companies. For example, you can do everything you need to via its mobile app (including file a claim, make a payment, update your policy and request roadside assistance).

Geico

Though Geico scored a 3 out of 5 in every major category with J.D. Power, there’s a lot about this company that makes it stand out.

For starters, in addition to cars you can also insure delivery vehicles, boats, personal watercraft, ATVs, RVs and even motorcycles. Plus there are a lot of ways you can save on your policy each year, some of which include special offers for being a federal employee, an active or retired military member, or a student with good grades.

Cheapest car insurance companies in Florida

Should you Google ‘best car insurance Florida,’ what you’re really asking is who is the cheapest. The three cheapest overall auto insurance companies in Florida are Geico, State Farm and Progressive.

Don’t be surprised if the cheapest provider still gives you a quote higher than your liking. This is because Florida is currently the third most expensive state for auto insurance. To find the best deal, you’ll need to compare quotes between providers.

To start getting quotes, round up the following information:

  • Car year, make and model
  • Vehicle identification number (VIN) for each vehicle on the policy
  • Date of birth for everyone on the policy
  • Drivers license information for everyone included on the policy
  • Expected amount of miles to be driven in one year

Average car insurance cost in Florida

Florida has an average annual insurance cost of $2,178 per year. Insurance rates in Florida are high because of a variety of factors. For starters, Florida has a lot of inclement weather. Whether it’s a tropical storm, a hurricane, a tornado or even just high winds and hail, many Floridian drivers have to file a claim each year because of a weather-related event.

Florida also has a high amount of uninsured drivers. In fact, it’s the highest in the nation with 26.7% of drivers driving without insurance. This alone drives up insurance costs.

Lastly, Florida has a lot of people on the road most of the year, many of whom are tourists, out of state students or the elderly. Because of its warm weather, everyone wants to be there, but this causes hazardous road conditions. It’s not that big of a state, but it’s the third highest state for population.

State minimum insurance requirements in Florida

Florida’s minimum insurance coverage is $10,000 of personal injury protection (PIP) and $10,000 in property damage liability (PDL). It’s so low because Florida is a “no-fault” state when it comes to car insurance, which means that no matter who is at fault in a car accident, each driver’s own car insurance policy pays the damages and medical expenses.

To drive in Florida, you need, at minimum, the following protection:

  • Personal Injury Protection (PIP) is also known as Florida No-Fault Insurance. It covers you, household members and car passengers that don’t have their own PIP, regardless of fault, up to your policy’s limits.
  • Property Damage Liability (PDL) pays for damages that you or your household family members cause to other people’s property in a car crash up to your policy’s limits.

Florida’s No-Fault Law

No-fault laws were created in an attempt to lower insurance costs, keep the amount of petty lawsuits down and make it easier for anyone involved in a car crash to seek medical treatment. The problem with this is that oftentimes the cost of medical treatment exceeds the minimum $10,000 PIP requirement.

If your injury exceeds Florida’s minimum liability requirement, you’ll have to either pay the remaining amount out of pocket or sue the other party involved in the accident (assuming you weren’t at fault).

This is why you should always record the following after a car accident (if possible):

  • Pictures of the car accident
  • License plate of the other car
  • Police reports
  • Pictures of injuries
  • Other drivers: Name and insurance information

Finding the right cheap car insurance in Florida for you

Car insurance companies often specialize in different types of drivers. Depending on your history, the cheapest Florida car insurance may be different for you than for someone else. Your individual rates will differ depending upon your unique criteria. However, to help you compare rates and insurance companies, we’ve listed the cheapest average insurance rates in Florida for different circumstances from The Zebra.

  • Cheapest car insurance for good drivers: Nationwide
  • Cheapest car insurance for new drivers: Geico, Progressive, Liberty Mutual
  • Cheapest car insurance providers for bad drivers: Liberty Mutual, State Farm, Nationwide

Car insurance discounts in Florida

The best car insurance companies in Florida are the ones that offer the best discounts.

You can save on your auto insurance by checking to see if you are eligible for Florida car insurance savings. Insurers reward customers that pay their premiums early or automatically, as well as those who buy other insurance policies besides auto insurance from them. Here’s a quick look at what the top auto insurance companies in Florida offer discounts and coverage on:

Allstate USAA Esurance State Farm Geico
Multi-Policy x x x x x
Good Student x x x x x
Automatic Payment x x x x
Vehicle Safety
Equipment
x x x x
Anti-Theft
Equipment
x x x x
Good Driving
History
x x x x x

Frequently asked questions

What is the cheapest car insurance in Florida?

Rates for car insurance always vary by person, but some of the cheapest car insurance companies include Geico, USAA and State Farm.

What is the minimum car insurance coverage required in Florida?

The state’s minimum required coverage of Personal Injury Protection (PIP) and Property Damage Liability (PDL) is the cheapest. The drawback is how low the coverage is – $10,000 for each. This may not fully cover property damage or injury to oneself or family members riding in the car. Consider your personal situation and who will be added to your auto insurance policy, how far, and how often you are driving your car. It may be a good idea to add additional coverage to cover possible collision, property damage and medical expenses in the event of an accident.

Why is Florida car insurance so expensive?

Florida car insurance is expensive because Florida is a no-fault state, so drivers must pay their own expenses caused by an accident regardless of fault. Car insurance in Florida is also so expensive as the state has the highest claim rates due to a few factors: