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Best car insurance in Florida for 2024

Bankrate's analysis of the best car insurance in Florida shows that Geico, Progressive, State Farm and Allstate stand out from the crowd.

Updated Feb 09, 2024
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Best car insurance companies in Florida

According to proprietary rate data from Quadrant Information Services, the cost of car insurance in Florida averages $3,950 yearly for a full coverage policy and $1,308 for minimum coverage. Compared to the national annual average of $2,545 and $741, respectively, drivers in the Sunshine State pay the most expensive full coverage car insurance premiums in the country, with New York and Louisiana not far behind. Florida’s higher-than-average premiums are due, in part, to severe weather, the state’s relatively high rate of uninsured motorists and low carrier availability.

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 2023 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.

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$3,295
$1,060
4.4
Rating: 4.4 stars out of 5
$3,034
$1,365
4.3
Rating: 4.3 stars out of 5
$3,250
$1,074
3.9
Rating: 3.9 stars out of 5
$4,101
$1,376

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$275/mo

Avg. full coverage premium

$3,295/yr

Customer satisfaction

812/1,000

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$253/mo

Avg. full coverage premium

$3,034/yr

Customer satisfaction

801/1,000

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$271/mo

Avg. full coverage premium

$3,250/yr

Customer satisfaction

833/1,000

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$342/mo

Avg. full coverage premium

$4,101/yr

Customer satisfaction

821/1,000

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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 considered coverage options, discounts, digital assets and third-party ratings from J.D. Power and AM Best.

We compiled these factors into a Bankrate Score, which uses a scale of 0.0-5.0. The higher a company’s Bankrate Score, the higher that company ranked in each category. By combining numerous facets of each carrier into a single Score, we aim to make your research for car insurance companies more manageable.

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Why you can trust Bankrate

Read our full methodology

To help Florida drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

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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.

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.

New

  • Like the rest of the nation, car insurance costs are rising for drivers in Florida, with major insurance providers filing for rate several increases in 2023.
  • Insurance providers cite many reasons for requiring these rate hikes. The increase in distracted driving causing more frequent car crashes is one major factor.
  • Climate change has increased the frequency and severity of severe weather in the South, and auto damage from Hurricane Idalia is still being assessed by insurance companies.

Related content:

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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.

How much is car insurance in Florida?

The average cost of car insurance in Florida for a full coverage policy is $3,950 per year, and minimum coverage costs an average of $1,308 per year. Compared to the 2024 national average cost of car insurance, which is $2,545 per year for full coverage and $741 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 34 percent less than in Florida, coming in at $2,610 per year. Florida also beats out its neighbor Louisiana, which has the third-highest full coverage premium in the country at $3,626 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.

City Avg. annual full coverage premium Avg. savings vs. state average

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

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46
years of industry expertise
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122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Written by
Shannon Martin
Writer, Insurance

Shannon Martin is a licensed insurance agent and Bankrate analyst with 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute