The Best Car Insurance in Florida in 2023

Nationwide offers the best car insurance in Florida, according to NerdWallet’s analysis.
Ryan Brady
Kayda Norman
By Kayda Norman and  Ryan Brady 
Updated
Edited by Ben Moore

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Picking the “best” car insurance in Florida can feel like throwing darts at a dart board with your eyes closed. There are lots of insurance companies to choose from, and each has its own pricing formulas, strengths and weaknesses.

That’s why we did the majority of the legwork for you. NerdWallet analyzed the top-rated insurance companies in Florida and put together a list of the best ones for each of the following categories:

You can also skip to the bottom for the full list of top rated Florida car insurance companies.

NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies in Florida. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies is likely to change over time. In our analysis, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to auto insurance; a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

Best car insurance in Florida overall: Nationwide

Nationwide holds the highest overall score out of the 25 companies in Florida we analyzed. Because our auto insurance ratings reward companies for customer-first features and practices, this category represents an overall solid choice for drivers seeking a well-rounded insurance company.

Best star rating
insurance-product-card-logo

Nationwide

5.0

NerdWallet rating 
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best star rating
insurance-product-card-logo

Nationwide

5.0

NerdWallet rating 
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

» Get the full scoop: Nationwide auto insurance review

Best car insurance in Florida for your budget: State Farm

State Farm is the best car insurance company in Florida when it comes to your wallet. According to our analysis, State Farm’s average rate for full coverage is $144 per month, the lowest out of all Florida car insurance companies we have data for. However, your own rate may be different. Check out NerdWallet’s analysis of cheap car insurance in Florida for a breakdown of the most affordable insurers in the state.

Best budget pick
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best budget pick
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

» Get the full scoop: State Farm auto insurance review

Best car insurance in Florida for customer satisfaction: Auto Club Group

Auto Club Group (AAA) is the best car insurance company in Florida for customer satisfaction. Auto Club Group was the only NerdWallet 5-star company ranked among the top three insurers in J.D. Power’s 2022 U.S. Auto Insurance Study for overall customer satisfaction in Florida

.

Best for customer satisfaction
insurance-product-card-logo

Auto Club Group

5.0

NerdWallet rating 
Auto Club Group provides AAA-branded auto insurance in over a dozen states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Fewer than expected
Best for customer satisfaction
insurance-product-card-logo

Auto Club Group

5.0

NerdWallet rating 
Auto Club Group provides AAA-branded auto insurance in over a dozen states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Fewer than expected

» Get the full scoop: AAA auto insurance review

Best car insurance in Florida for ease of use: Liberty Mutual

Liberty Mutual is the best car insurance company in Florida for ease of use. It has an easy-to-use website and simple claims filing process compared with other top rated companies in Florida. Liberty Mutual also has high app store ratings for iOS and Android devices.

Best for ease-of-use
insurance-product-card-logo

Liberty Mutual

4.5

NerdWallet rating 
Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Close to expected
Best for ease-of-use
insurance-product-card-logo

Liberty Mutual

4.5

NerdWallet rating 
Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Close to expected

Full list of the best car insurance in Florida

If you’re looking for more options, NerdWallet analyzed 25 car insurers to find the 11 best car insurance companies in Florida, all with a NerdWallet star rating of 4.5 or higher.

Company

Star rating

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

*USAA is only available to military, veterans and their families.

Learn more about Florida car insurance

Methodology

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Average rates methodology

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

These are rates generated through Quadrant Information Services. Your own rates will be different.

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.