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Best car insurance in Florida for 2023

Updated Sep 13, 2023
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Best car insurance companies in Florida

We source proprietary data from Quadrant Information Services to track trends in car insurance premiums. Based on our analysis, the average cost of car insurance in Florida is $3,183 per year for full coverage and $1,128 per year for minimum coverage.

Bankrate’s insurance editorial team understands that while affordable premiums are essential, they aren’t the only consideration when looking for the best car insurance policy. As such, we also review third-party scores issued in the J.D. Power 2022 U.S. Auto Insurance Study, along with coverage options, mobile accessibility and more, and factor these and other data points into our proprietary Bankrate Score, which has a possible total of 5.0 points. Based on our findings, State Farm, Geico, Progressive and Allstate offer some of the best car insurance in Florida.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Florida region)
833
/1,000
Average monthly full coverage premium
$196
Average annual full coverage premium
$2,356
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Florida region)
810
/1,000
Average monthly full coverage premium
$271
Average annual full coverage premium
$3,251
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Florida region)
840
/1,000
Average monthly full coverage premium
$192
Average annual full coverage premium
$2,307
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Florida region)
849
/1,000
Average monthly full coverage premium
$261
Average annual full coverage premium
$3,137
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Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Florida region)
833
/1,000
Average monthly minimum coverage premium
$64
Average annual minimum coverage premium
$766
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Florida region)
810
/1,000
Average monthly minimum coverage premium
$115
Average annual minimum coverage premium
$1,383
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Florida region)
840
/1,000
Average monthly minimum coverage premium
$70
Average annual minimum coverage premium
$842
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Florida region)
849
/1,000
Average monthly minimum coverage premium
$97
Average annual minimum coverage premium
$1,159
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best for digital tools

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 833/1,000 AM Best: A++

Average annual premium

$ 2,356 for full coverage
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Answer a few questions to see personalized rates from top carriers.

Why Geico made our list: Geico might be the best car insurance in Florida for drivers who like the convenience of managing their policy at home. With a highly-rated mobile app and a full-service website, policyholders can make policy changes, payments and file claims online rather than calling in. Geico also offers some of the cheapest average premiums in Florida for minimum coverage policies, which could be enticing for budget-conscious drivers.

Who Geico may be good for: Geico may be good for drivers who are looking for self-service options like a mobile app and online policy portal. The company has few local offices, so it may not be the best choice for those looking for the personalized experience of a local agent.

Read full Geico Insurance review

Best for streamlined shopping

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 810/1,000 AM Best: A+

Average annual premium

$ 3,251 for full coverage
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Why Progressive made our list: Although Progressive may not be the cheapest company on our list, its benefits may outweigh the cost. The company provides numerous digital tools that could make your search for the best auto insurance in Florida faster and easier. Its Name Your Price tool populates coverage options based on your budget, and you can even compare rates from different companies right from Progressive’s website. This may be one of the reasons why Progressive earned an above-average ranking in the J.D. Power 2023 U.S. Insurance Digital Experience Study in the shopping category. The national carrier also offers its Snapshot telematics program, which provides customers with opportunities to save on premiums based on their driving habits.

Who Progressive may be good for: Because of its Name Your Price tool, Progressive may be good for drivers who aren't as familiar with insurance coverage options or want a quick purchasing experience. Additionally, the company makes comparing online car insurance quotes easy by showing competitors' rates on their site.

Read full Progressive Insurance review

Best for cheap average rates

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 840/1,000 AM Best: A++

Average annual premium

$ 2,307 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why State Farm made our list: If you're looking for the cheapest car insurance in Florida, State Farm might be an excellent place to start. In addition to the state's lowest average full coverage premiums on our list, this carrier also offers numerous potential discounts that could help you save even more. Parents with young drivers may especially be interested in this company due to its Steer Clear program. This discount can help offset the higher premiums younger drivers tend to pay and might help instill safe driving habits.

Who State Farm may be good for: State Farm may be good for drivers on a budget. Additionally, those who prefer to do business in person might consider State Farm as their company of choice since this carrier has hundreds of agencies located across the Sunshine State.

Read full State Farm Insurance review

Best for customer satisfaction

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 849/1,000 AM Best: A+

Average annual premium

$ 3,137 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Allstate made our list: Not only does Allstate top the other carriers on our list for overall customer satisfaction in Florida, but the company also beat the competition in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study. Although Allstate may be one of the more expensive insurance companies on this list on average, you might be able to bring your base premium down by signing up Drivewise, the company’s telematics program.

Who Allstate may be good for: Allstate may be a good option for Florida drivers who prioritize customer service over cheap premiums. The company’s strong J.D. Power scores in both overall customer satisfaction and claims satisfaction could indicate that generally speaking, Allstate policyholders are happy with the service the company provides.

Read full Allstate Insurance review

How Bankrate chose the best car insurance companies in Florida

To find the best auto insurance in Florida, we began by reviewing 2023 quoted annual premiums from Quadrant Information Services for the largest car insurance companies by market share in the state. Because price is just one factor when shopping for car insurance, we also took coverage options, discounts, digital assets and third-party ratings from J.D. Power and AM Best into consideration. We compiled these factors into a Bankrate Score. Each score is on a scale of 0.0 to 5.0. The higher a company’s Bankrate Score, the higher that company ranked in each category. Because this scoring method combines numerous facets of each carrier into a single Score, it helps make your process of researching companies easier with an easy comparison tool.

How much is car insurance in Florida?

The average cost of car insurance in Florida for a full coverage policy is $3,183 per year, and minimum coverage costs an average of $1,128 per year. Compared to the 2023 national average cost of car insurance, which is $2,014 per year for full coverage and $622 for minimum coverage, Florida drivers pay quite a bit more on average. In fact, Florida is the most expensive state in the nation for full coverage car insurance, according to Bankrate’s analysis. For instance, the average full coverage premium in Georgia is nearly 35 percent cheaper than in Florida, coming in at $2,085 per year. Florida also beats out its neighbor Louisiana, which has the third-highest full coverage premium in the country at $2,909 per year. 

The higher-than-average premiums across Florida may be partly due to the state’s geographic location, with 1,350 miles of coastline (the most in the U.S.) and its resulting susceptibility to severe weather events such as tropical storms, hurricanes and even tornadoes. Florida also has a high population of uninsured drivers, with 20.4 percent of drivers estimated to be driving without insurance, according to 2019 data published by the Insurance Information Institute (Triple-I). All of these factors, especially when added to the state’s busy roadways, could be contributing to high insurance costs.

AVERAGE ANNUAL PREMIUM FOR MINIMUM COVERAGE IN FLORIDA AVERAGE ANNUAL PREMIUM FOR FULL COVERAGE IN FLORIDA
$1,128 $3,183

How to find the best car insurance in Florida

Many drivers likely want to be covered under the best Florida car insurance company they can find. Since every driver’s needs are different and can depend on factors like vehicle type and coverage requirements, finding the best carrier largely depends on what aspects of auto insurance you choose to prioritize. However, you can take some steps to help you in your search.

Consider minimum insurance requirements in Florida

Florida is a no-fault state, meaning that regardless of who is responsible for an accident, each person involved is responsible for filing a claim with their own insurer to cover their medical expenses, at least at first. The at-fault driver is responsible for property damages. Florida’s state minimum car insurance laws are relatively unique; the state only requires personal injury protection (PIP) and property damage coverage. Bodily injury liability coverage is not technically required. However, the state does have a “financial responsibility law” that dictates that you must provide proof of your ability to pay for the damages you cause in an accident. Although auto insurance is not the only way to satisfy this law — you could post a bond, for example — most drivers opt to purchase a policy that includes bodily injury liability coverage.

Although Florida’s minimum required insurance coverage helps keep the state’s high premiums in check, drivers may find themselves with higher out-of-pocket expenses following a more serious accident where injuries or damages exceed the minimum amounts. While serious incidents such as car accidents cannot be planned for in advance, purchasing additional coverage upfront, including optional collision and comprehensive coverage, as well as uninsured and underinsured motorist coverage, could help minimize unexpected financial losses.

Consider lender requirements

If you have a loan or lease on your vehicle, you may have different insurance requirements than just satisfying the state minimum coverage. Both lenders and lessors usually require full coverage, which adds comprehensive coverage and collision coverage to your policy. These coverage types provide substantial financial protection for both collision and non-collision damage to your vehicle, rather than just for damage you cause to another party. Lessors also usually require that you carry higher-than-state-minimum liability limits. You could also consider gap insurance, designed to pay for the difference between your loan value and the vehicle’s actual cash value if your new car is stolen or totaled. Gap coverage typically costs less if you purchase it from your auto insurer versus your lender.

Consider your individual needs

Every driver has a unique set of circumstances that they bring to car insurance. Your situation may affect the company, coverage types and levels, endorsements and discounts you choose. For example, if you have a teen driver, you may want to request quotes from companies that offer student discounts, which could help you lower your premium. If you have a few accidents, tickets, a DUI conviction or any combination of these incidents on your driving record, you might be considered a high-risk motorist. Your insurance company choices could be limited, so you might need to do a bit more research to find the best option for you.

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Written by
Cate Deventer
Former Writer & Editor, Insurance
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute