Best Car Insurance in Florida in 2024
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After thoroughly evaluating 21 insurance companies in Florida, NerdWallet’s editorial team has put together a list of the best car insurance companies. We based our ratings on important factors like coverage and discount options, affordability, customer satisfaction and financial strength ratings.
Here are the best car insurance companies in Florida:
Travelers: Best insurance company overall.
Geico: Best for affordability.
Auto-Owners: Best for having few customer complaints.
State Farm: Best for ease of use.
The best car insurance companies in Florida
Here’s our list of the best auto insurance companies in the state for different categories, plus their average rates and what makes them the best.
Travelers
Discounts
Ease of use
NAIC complaints
Travelers
Discounts
Ease of use
NAIC complaints
Full coverage cost per year, on average
$2,388
Full coverage cost per month, on average
$199
Minimum coverage cost per month, on average
$46
Why it's the best:
Travelers holds the highest overall score out of the 21 companies in Florida we analyzed. Travelers stands out for its ease of use and earned the top spot in our overall best car insurance companies of 2024. 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.
» Read the full review: Travelers auto insurance review
Geico
Discounts
Ease of use
NAIC complaints
Geico
Discounts
Ease of use
NAIC complaints
Full coverage cost per year, on average
$2,138
Full coverage cost per month, on average
$178
Minimum coverage cost per month, on average
$28
Why it's the best:
NerdWallet's analysis found that Geico has the lowest minimum coverage rates for Florida drivers among our top-rated car insurance companies.
And while Travelers, our best overall winner, is the cheapest for full coverage in the state, Geico is a close second. Because insurance pricing is so personalized, one company might offer the cheapest quotes to some drivers in the state and not others.
According to our November 2024 analysis, Geico’s average rates for a 35-year-old driver with a clean driving record and good credit are $178 per month for full coverage and $28 per month for minimum coverage. 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.
» Read the full review: Geico auto insurance review
Auto-Owners
Discounts
Ease of use
NAIC complaints
Auto-Owners
Discounts
Ease of use
NAIC complaints
Why it's the best:
Auto-Owners is the best car insurance company in Florida for having the fewest customer complaints to state regulators relative to insurers of its size. Auto-Owners had the second-highest overall raw score out of Florida companies we analyzed and is financially strong, which means the company has enough funds to pay claims.
» Read the full review: Auto-Owners insurance review
State Farm
Discounts
Ease of use
NAIC complaints
State Farm
Discounts
Ease of use
NAIC complaints
Full coverage cost per year, on average
$2,260
Full coverage cost per month, on average
$188
Minimum coverage cost per month, on average
$36
Why it's the best:
State Farm 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. State Farm also has high app store ratings for iOS and Android devices.
» Read the full review: State Farm auto insurance review
Full list of the best car insurance in Florida
If you’re looking for more options, NerdWallet analyzed 21 car insurers to find the 9 best car insurance companies in Florida, all with a NerdWallet star rating of 4.5 or higher.
Company | Star rating |
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*USAA is only available to military, veterans and their families. |
» MORE: The best car insurance companies
Floridians have to contend with some of the highest car insurance prices in the country. That's because Florida has some of the highest rates of extreme weather, uninsured motorists, crash-related lawsuits and bad accidents. But lots of factors affect the price you pay for insurance. Check out NerdWallet's Florida car insurance quick-start guide to learn more.
How to get the best car insurance in Florida
Still not sure which company to go with? Try these tips:
Assess your needs. Evaluate your own needs and preferences before deciding on a car insurance company, since everyone’s needs are different. For example, one person might prioritize a company with strong customer service and a low-mileage discount, while another may prize affordability and a well-polished mobile app.
Do your research. While the companies on this page represent solid choices, you may want to explore other options. Whichever insurer you go with, make sure they’re financially stable, have few customer complaints and offer the coverage you need at a competitive price. You can also check out our full list of auto insurance reviews.
Consider small insurance companies. Small, regional insurers may provide a better price and customer service than the big companies you see advertised on TV. You might have to recruit the help of a local independent car insurance agent to find them.
Shop around once a year. Make a practice of shopping for car insurance quotes about once a year — especially if price is important to you. Insurers adjust car insurance rates regularly, so a company that gave you the best rate last year might no longer be a bargain this year. Be sure to get quotes from at least three insurers, and for the most accurate comparison, use the same or similar coverage options and deductibles while shopping around.
Florida car insurance requirements
At a minimum, Floridians must carry property damage liability and personal injury protection (PIP) in the following amounts:
$10,000 property damage liability per accident.
$10,000 personal injury protection.
Property damage liability insurance pays for damage you cause to other people’s property while driving, like someone’s car or fence.
PIP insurance in Florida covers your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was.
We recommend buying more than the bare minimum when it comes to all parts of your auto liability insurance, if you can afford it. You might want added protection from optional coverages such as collision, comprehensive and uninsured motorist insurance.
Check out NerdWallet’s guide to Florida auto insurance requirements for more details on coverage you might want on your Florida auto policy. And for more help finding cheap car insurance in Florida, try NerdWallet’s car insurance comparison tool.
Why you can trust NerdWallet
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.
Learn more about Florida car insurance |
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NerdWallet has many more Florida car insurance guides. For more information, check out our articles below: |
How we found the best car insurance in Florida
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 list of the best insurers in the state, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.
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 and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (30%).
Consumer complaints (30%).
Ease of use (20%).
Affordability (20%).
The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. 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
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2022 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.
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