Best car insurance in Florida for 2025

To find the best auto insurance, we began by reviewing 2025 quoted annual premiums from Quadrant Information Services for the largest car insurance companies in Florida. Because price is just one factor when shopping for car insurance, we also considered coverage options, discount opportunities, digital tools 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.

Do you have several traffic violations or accidents on your driving record? Or are you a snowbird who needs a carrier offering coverage in Florida and another state? Every driver has different needs and not all insurance companies in Florida may be a good match. For example, your carrier options may be limited if you need an SR-22 filing for a DUI. 

Drivers who lease their vehicle typically need to carry higher liability limits and gap coverage, which can add to the overall cost of your policy and isn’t an option with every carrier. 

Reading reviews and ratings can give you a better understanding of how current customers feel about the service they receive. J.D. Power and the National Association of Insurance Commissioners (NAIC), are go-to resources for customers and industry insiders. 

The J.D. Power U.S. Auto Insurance Study evaluates customer satisfaction across key factors, such as trust levels and pricing, while J.D. Power’s U.S. Auto Claims Satisfaction Study looks at how policyholders rate their experience during the claims process. The NAIC Complaint Index is another tool that measures customer complaints in relation to the carrier's size.

In addition to customer experience, financial stability is also an important factor when selecting an insurance company. Companies like AM Best use a grading system to show their confidence level in a carrier's ability to honor its claim obligations and creditworthiness. 

In a state like Florida, with unique risks from extreme weather, working with a smaller company can have its advantages. Local carriers often pride themselves on knowing their communities and building relationships with policyholders. There is a chance of shorter wait times and more flexible coverage. However, local insurance companies usually can't compete with other types of support, like digital tools and 24/7 customer service, like larger companies can. 

National companies can usually offer various coverage options and lower rates, along with bonuses that make filing a claim easier, like polished mobile apps and authorized repair shops. The trade-off is rigid underwriting and customer service that can feel less personal. This is why shopping your policy and reading reviews from several carriers can help you find the insurance company that works best for you.

Based on Bankrate’s average rate research, State Farm, Allstate and Geico are offering some of the cheapest full coverage insurance in Florida. However, every driver’s needs are different and individual rates will vary. Finding the cheapest insurance for your needs may be easier if you gather quotes from several companies to see who offers you the lowest rate. At the same time, keep in mind that there are other factors that may matter to you, such as solid claims management, robust digital tools or financial strength. Some companies, for example, are known for writing cheap policies for families with teen drivers, while others offer mileage-based policies that may be a good choice if you are retired or work from home. In the end, determining your priorities can help you make the best decision for your own coverage.

While there isn’t an industry standard definition of full coverage insurance, a full coverage policy typically has the required state minimum coverage along with comprehensive and collision coverage. However, Florida is unique in that bodily injury liability coverage isn’t necessarily required. In this case, it's possible that a full coverage policy in Florida won’t have bodily injury coverage. 

Since each carrier defines full coverage differently, it's important to ask your agent about specific coverage. Some insurance companies may include towing and rental car reimbursement in their full coverage package, which all drivers may not need. 

Based on Bankrate's research, in 2025 Florida was the most expensive state in the U.S. for car insurance, followed by New York and Louisiana. This may come as no surprise to Florida drivers, who may be wondering why they pay as much as they do for coverage. There are several answers. Florida's erratic and volatile weather patterns and long coastline mean that vehicles are more likely to be damaged in hurricanes and other storms. Florida's car theft rate is also high, as is the state's rate for uninsured or underinsured drivers. Compared to other states, Florida also has a high number of congested urban areas. Busy city streets and highways may lead to heavy traffic, increased accidents and a higher number of resultant insurance claims. Altogether, these factors make it more difficult for insurers to operate profitably, and that makes them likely to either leave the market — as several have done — or charge higher rates to compensate. Drivers may be able to save on their policies, however, by trying some of Bankrate's suggestions for lowering your premium.

To obtain a car insurance policy in Florida, you will need a valid driver's license, your vehicle identification number and know the last few years of your driving history, along with basic information like your address and coverage selection. If you plan to have additional drivers on your policy, you will also need their license information, driving history and date of birth.