Cheapest Auto Insurance in Florida (2025)

The average cost of car insurance in Florida is $210 per month for full coverage — the third-highest in the country, according to Insurify’s latest auto insurance report.

This cost is largely a result of the high number of severe weather events the state sees, which drives up the probability of drivers filing a claim and puts a strain on Florida insurers.

Fortunately, Sunshine State drivers can still find affordable car insurance by comparing multiple quotes at once.

6 of the cheapest car insurance companies in Florida 

Here’s a closer look at the cheapest car insurance companies in the Sunshine State. Note that the right company for you will depend on your individual situation and needs. It’s a good idea to weigh the pros and cons of all your options so you can hone in on the ideal choice.

State Farm

Allstate

GEICO

How to get the cheapest car insurance in Florida

Factors like your age, vehicle make and model, and driving history all play a role in the cost of your car insurance.1 But these tips can help you find the cheapest auto policies in Florida:2

• Increase your deductible. A deductible is the amount of money you pay out of pocket for a claim before your car insurance kicks in and covers the rest. A higher deductible can lower your monthly premiums, but make sure you can afford a higher deductible if you file a claim.

• Bundle insurance policies. If you have homeowners or renters insurance, you might be able to bundle it with car insurance and save some money. Most car insurance companies offer bundling discounts.

• Look for discounts. Many insurance companies advertise long lists of discounts. Compare their lists and determine which ones you’re eligible for to find the cheapest potential rates.

• Shop around. It might be tempting to go with the first car insurance option you find. But doing so may cost you. Be sure to shop around and compare all your options so you can find the ideal coverage for the best rate.

Low-cost car insurance in Florida 

Florida doesn’t have a state-backed program to provide assistance for car insurance payments for low-income drivers. 

But Florida drivers looking for low-cost car insurance can still find affordable options by shopping around, and comparing quotes and discounts from multiple companies.

Cheapest liability-only car insurance quotes in Florida: State Farm

Liability-only car insurance covers the cost of the other driver’s property damage and injuries if you’re at fault for a car accident. It’s the most basic level of auto insurance coverage, and it’s required for drivers in the Sunshine State.

Liability insurance in Florida costs an average of $154 per month. See the cheapest companies for liability coverage in the table below.

Cheapest full-coverage car insurance quotes in Florida: State Farm

Full-coverage car insurance includes liability insurance as well as comprehensive and collision insurance. While a full-coverage policy isn’t a legal requirement in Florida, it can provide you with extra financial protection and peace of mind. It’s worth considering if you drive a new or expensive car, commute often, or have an auto loan or lease.

Florida drivers pay an average of $210 per month for full-coverage car insurance.

The table below shows the insurers with the cheapest full-coverage policies in Florida.

Why are car insurance rates in Florida so high?

Florida drivers see the fifth-highest car insurance rates in the country, largely due to rising inflation, a high number of uninsured drivers, and the increasing severity of climate catastrophes. 

As of August 2024, Florida drivers face an average annual premium of $3,201 for full-coverage car insurance — 18% higher than what they paid in 2023 and a full 37% higher than the national average, according to Insurify’s 2024 Auto Insurance Report.

Overall, full-coverage car insurance prices rose 24% over the course of 2023. The report predicts a total 22% increase by the end of 2024.

Floridians spend 4.3% of their income on car insurance. The average American spends only about 2.6%. 

Florida’s severe risk of climate catastrophes plays a large part in these high prices. Close to 27% of Florida counties are at a “relatively high” natural disaster risk, according to FEMA, and a further 6% are at a “very high” risk. Miami-Dade, Florida’s most populous county, is also at a “very high” risk. This increases the probability of insurance claims in Florida, leading insurers to raise prices to cover the risk.

Severe weather events, like Hurricane Ian, the high cost of damages, and associated lawsuits have also led to insurers pulling out of Florida. Farmers Insurance stopped writing and renewing auto, homeowners, and umbrella policies in July 2023, affecting 100,000 Floridians. If this trend continues, Florida drivers will have fewer options available for car insurance.

Car insurance requirements in Florida

Florida’s car insurance requirements are different from other states because its requirements don’t include bodily injury coverage. Instead, drivers must have personal injury protection (PIP) and property damage liability insurance. PIP covers medical expenses that result from a car accident, no matter who’s at fault.

Here are the minimum car insurance requirements for Florida drivers:3

Even though Florida only requires PIP and property damage liability, many drivers can benefit from additional coverage options, including:

Cheapest car insurance companies in FL for drivers with an incident

Incidents refer to at-fault accidents, speeding tickets, DUIs, and other moving violations you might commit as a driver in the Sunshine State. Since incidents may cause insurance companies to see you as a high-risk driver, they often lead to increased car insurance rates.

For example, if you have a DUI in Florida, you’ll pay 99% more, on average, for car insurance than you would with a clean driving record.

Cheapest car insurance quotes for drivers with a speeding ticket: State Farm

While a speeding ticket might not seem like a big deal, it can lead to higher car insurance premiums. In Florida, drivers with a speeding ticket pay 34% more for car insurance, on average.

Liability insurance for Florida drivers with a speeding ticket costs an average of $206 per month.

The table below shows cheap liability-only auto insurance companies in Florida for drivers with a speeding ticket and how rates compare to those for drivers with a clean record.

Cheapest car insurance quotes for drivers with an at-fault accident: State Farm

If you’re at fault for a car accident in Florida, you should expect higher rates for a car insurance policy. Depending on the auto insurance company and your particular situation, you may pay up to 43% more for car insurance.

Florida drivers with an accident on their record pay an average of $192 per month for liability coverage.

These auto insurers offer the cheapest monthly minimum-coverage rates for drivers with at-fault accidents in Florida.

Cheapest car insurance quotes for drivers with a DUI: State Farm

A DUI is a serious offense that can increase your car insurance costs in Florida. If you’ve been convicted of a DUI, you may pay up to 100% more for car insurance. Be aware that having a DUI on your record can make it difficult to find an insurer that will cover you.

Florida drivers with a DUI pay monthly averages of $200 for liability coverage and $273 for full coverage.

Here are the cheapest liability-only Florida car insurance companies for drivers with a DUI.

Cheapest car insurance quotes for seniors: State Farm

Senior drivers in Florida often face higher car insurance rates due to physical and mental impairments that interfere with their ability to drive safely.4 Rates typically decrease around age 25 but increase around age 70.

Senior drivers in Florida pay an overall average of $161 per month for car insurance.

Here’s a look at the cheapest monthly car insurance rates for Florida seniors.

Cheapest car insurance quotes for teens: State Farm

Compared to adults, teenagers in Florida pay much more for car insurance. This is because they have less experience on the road and are more likely to cause an accident.

Car insurance for Florida teens costs $311 per month, on average.

To land the cheapest rates, teens can stay on their parents’ policy, take an approved defensive driving course, and look for good student discounts. Here are the cheapest monthly car insurance rates for teen drivers in Florida.

Florida car insurance quotes by credit tier

Drivers with good to excellent credit are statistically less likely to file claims than drivers with poor credit. Insurance companies in Florida are legally allowed to consider the credit histories of prospective policyholders to help determine their car insurance premiums — but it can’t be the only factor they use.

As you can see from the chart below, Florida drivers with excellent credit pay $175 less, on average, for an auto policy than a driver with poor credit.

Car insurance quotes across Florida cities

Florida has some of the highest car insurance costs in the country, but rates can vary widely depending on your city and even your ZIP code. The table below shows the average cost of car insurance across various cities in Florida.