Driving in Florida has its challenges. Heavy tropical rainstorms are common, making roads slippery and hazardous. Second only to California, Florida has one of the highest concentrations of drivers over 60. With almost 14 million licensed drivers, Florida is the third largest state of licensed drivers in the country.
The perfect storm of busy roads and consistently challenging weather conditions account for higher insurance rates for Florida auto drivers than if they were paying for California car insurance. However, the weather is only one factor that makes the Sunshine State one of the most expensive places in the country for car insurance. If you’re willing to do some research and comparison shopping, you can save money on your Florida car insurance premiums by comparing insurance companies. Round up the following information to get the most accurate quote:
- 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
Best Car Insurance Companies in Florida
Allstate received the highest customer satisfaction ranking in Florida in the J.D. Power 2019 U.S. Auto Insurance Study for customer satisfaction. Here’s how they compare with some of the other auto insurance agencies that also ranked well in the study for various auto insurance needs:
- Allstate: In addition to a wide range of standard car insurance coverage choices, Allstate has unique coverage options for classic cars, driving in Mexico, replacing lost or damaged car audio systems and personal umbrella policies to cover at-fault claims that exceed the liability limits of your policy.
- USAA: J.D. Power didn’t rank USAA because their insurance isn’t available for everyone, only active military, veterans, cadets and their families, however they received an almost-perfect 5 out of 5 stars for all criteria in the J.D. Power 2019 U.S. Auto Insurance Study.
- Esurance: Esurance has a streamlined online quote system that lets you get a quote and sign up for your car insurance policy without having to talk to an agent. You can save 5% by signing up online and, 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.
- Geico: Geico insures cars and its coverage offerings also include delivery vehicles, boats and personal watercraft, ATVs, RVs and motorcycles. Geico has a bunch of ways to save on your policy including standard deductions and special offers if you’re a federal employee, in the military or a student with good grades.
- Liberty Mutual: Customers gave Liberty Mutual a “better than most” rating of 3 out of 5 stars for all criteria in the J.D. Power Study but customers gave them better reviews on the Better Business Bureau website for customer service and claims management, where they have an “A” rating.
|J.D. Power Rating||A.M. Best Rating||BBB Rating|
|Allstate||5 out of 5||A+||A+|
|USAA||5 out of 5||A++||B-|
|Esurance||5 out of 5||A+||A-|
|State Farm||3 out of 5||A++||A|
|Geico||3 out of 5||A++||A+|
|Liberty Mutual||3 out of 5||A||A|
Cheapest Car Insurance Companies in Florida
According to the Zebra, a private auto insurance research and comparison service, the three cheapest overall auto insurance companies in Florida are USAA, Amica and Electric. Florida is the fifth most expensive state for auto insurance with an average annual insurance cost of $1,259.55 per year.
Compare quotes to find the best Florida car insurance deal. Here are the state’s most popular insurers and their customer satisfaction rating, according to J.D. Power:
- Allstate – Allstate is the winner of the J.D. Power customer satisfaction award with an Overall Satisfaction score of 5 out of 5. They are one of the few insurers offering gap insurance to cover the difference, or “gap,” between what you owe on a car that was destroyed in a car accident or stolen, and the value of its replacement.
- USAA – USAA ranked 5 out of 5 for all ranking factors in the J.D Power customer satisfaction ratings: Overall Satisfaction, Policy Offerings, Price, Billing Process and Policy Information, Interaction, and Claims.
- Esurance – Esurance scores in the top three car insurance companies in customer satisfaction with an excellent 5 out of 5 rating.
- State Farm – State Farm is the fourth most popular auto insurance company in Florida. They offer more than a dozen driver discounts including deductions for good driving record and students away at school.
- Geico – Geico, known for their low rates, is a popular choice in Florida as the nation’s second-largest car insurance company.
- Progressive – Young drivers or drivers with a poor driving record or a low credit score may have luck getting insured through Progressive.
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 but 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: USAA and Geico
If you’re a good driver with a claim-free driving history, you’re likely to get a great deal from any insurer. USAA and Geico offer the best customer service, paired with affordable premiums, for the most value.
Cheapest car insurance for students: Progressive
Students on a budget should get a quote from Progressive, the cheapest Florida car insurer in many scenarios. They offer a good student and distant student discount program that makes it affordable to keep your child on your policy or help them insure themselves. For a college student, Progressive’s average cost is $855 for a 6-month auto insurance premium. For young drivers in Florida between the ages of 16-19, car insurance can cost as much as $5,983.52 to $3805.73 per year. Progressive also offers additional savings for good students and distant students to help make it more affordable to keep your child on your policy or help them insure themselves.
Cheapest car insurance for people with low credit: Geico
Insurers often use credit reports to determine auto insurance premiums. According to The Zebra, having bad credit will increase your auto insurance premium cost by as much as 48% in Florida.Consumer Affairs reported that, “Geico seems to rely on credit scores the least, with a premium fluctuation of 32%.”
Cheapest car insurance for people with accidents: USAA and State Farm
Accidents can happen to anyone, so why should you pay for a mistake for the rest of your life? Esurance is a good option for Florida drivers with past accidents because they offer accident forgiveness and a Safe Driving Bonus Check to drivers after being claim-free for a set time. However, the lowest rates for drivers with one at-fault collision driving accident come from USAA at $831 per year, and State Farm, at $1,574 per year.
Cheapest car insurance for people with a speeding ticket: USAA and State Farm
Florida car insurance rate increases for driving violations vary by the type of violation If you have a hit-and-run violation you can expect to pay an average auto insurance premium increase of 56% more than if you had a violation-free driving record. You will pay an average of 51% to 54% higher insurance premiums if your violation is for reckless driving, racing, DUI or refusing a breathalyzer test. These rate increase percentages equate to as much as $1,146 per year of additional auto insurance costs. What if you have one speeding violation? USAA is the best option for those in the military at $915 per year and non-military should consider State Farm, at $1,704 per year.
Average car insurance cost in Florida
Florida is one of the most expensive states for car insurance. It ranks fifth in average car insurance expenses in an Insurance Information Institute study. The Zebra details average costs by driver type further:
|Average insurance cost for state minimum insurance requirement||Average cost for drivers with low credit||Average cost for drivers with accidents or a poor driving record|
|$822/year||$3,470/year||as high as $2,740/year|
Factors considered in your car insurance rate
Car insurance companies take these factors into consideration when quoting rates for auto insurance:
- The age, gender and marital status of the drivers on the policy
- Credit scores
- Whether any of the drivers on the policy have driving violations
- Desired coverage levels
In Florida, women drivers pay slightly higher annual car insurance costs than men. However, if anyone on the policy meets any of the following criteria, you may be able to save on your car insurance policy:
- By having a college degree
- By profession (doctor, lawyer, scientist, engineer)
- Good driving record with no traffic tickets or accidents
- Good credit
- Drive a smaller car or electric vehicle
- Install a car alarm or vehicle security system
- Keep your car in a garage instead of parking it outside
- Add your car insurance policy to your homeowner’s insurance policy
- You’re married
- You live in an area that the insurance companies consider to be low-risk, such as Gainesville, Cape Coral or Tallahassee
- Pay a year up-front for your policy
- You have a used car that’s at least five years old
- Pay a higher deductible for a lower monthly insurance payment
- You’ve completed a defensive driving class within the past 12 months
Car insurance discounts in Florida
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:
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). 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.
- 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.
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: