Best Car Insurance in Florida for Senior Drivers (2025)

State Farm, GEICO, and Allstate are three of the best car insurance companies in Florida for senior drivers.

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Senior drivers tend to pay the lowest car insurance rates of any age group, but Florida seniors pay more than the national average rate for full-coverage and liability-only policies. Nationally, a full-coverage policy for a senior driver averages $156 per month. In Florida, the monthly average is $185.

Car insurance rates begin to rise for senior drivers around age 70 due to an increase in accident risks.

Drivers have different driving histories and unique needs, so the right insurer is different for everyone. Insurify analyzed 50 car insurance companies to determine the best car insurance companies in Florida to help you find the right option for you.

Here’s what you need to know about finding the best car insurance for senior drivers in Florida.

Best car insurance companies in Florida for seniors

Senior drivers in Florida have a number of excellent car insurance companies to choose from, but some stand out from the rest. Insurify determined the five best car insurance companies for seniors in Florida based on factors like price, available discounts, customer service, Insurify Quality (IQ) Score, and third-party ratings.

GEICO: Best overall

State Farm: Best for affordability

Allstate: Best for flexibility

Mile Auto: Best for pay-per-mile insurance

USAA: Best for military members, veterans, and their families

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Florida to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance for seniors in Florida

Senior drivers have several ways to ensure they’re getting the best car insurance in Florida, including leveraging senior-friendly discounts.1 2

How much is car insurance for a senior driver in Florida?

Car insurance for senior drivers in Florida costs an average of $161 per month. Senior drivers pay an average of $137 per month for liability coverage and $185 for full-coverage car insurance.

In recent years, car insurance costs in Florida have been rising, increasing from $2,434 per year in January 2023 to $3,253 in August 2024. But rates have steadied in recent months, coming back down to $3,077 in January 2025.

Best car insurance in Florida for senior drivers FAQs

Finding the right car insurance in Florida as a senior can be tricky. Take a look at these answers to some of the most commonly asked questions about the best car insurance in Florida for senior drivers.

  • How much is car insurance in Florida?

    Florida seniors pay average rates of $161 per month for car insurance — lower than the overall statewide average of $182. For liability insurance, seniors pay $137 per month. Full coverage costs seniors $185 per month, on average.

  • What are the best car insurance companies in Florida?

    State Farm, GEICO, and Allstate are the best car insurance companies in Florida for senior drivers. They all provide affordable coverage, numerous discounts, and unique benefits to drivers. But another car insurance company may be best for you, as each insurer determines rates differently. Always compare quotes from multiple companies before buying a policy.

  • What car insurance discounts are available in Florida?

    Dozens of car insurance discounts are available in Florida, including membership, alumni, occupational, and vehicle-specific discounts. Some of the most common car insurance discounts in Florida are good student, safe driver, low-mileage, defensive driving course, and military discounts. For a full list, see Insurify’s Florida car insurance discounts page.

  • How much car insurance do you need in Florida?

    The minimum car insurance required in Florida is $10,000 in personal injury protection and $10,000 in property damage liability coverage.3 This is lower than many other states’ requirements. Florida is one of the few states that doesn’t require bodily injury liability coverage. In most cases, you’ll want to carry more than Florida’s minimum coverage.

Danny Smith
Danny Smith

Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Danny has been a contributor at Insurify since March 2022.

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Best Car Insurance in Florida for Senior Drivers (2025) | Insurify