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The Best Car Insurance in Florida in 2023
NerdWallet ranked the best car insurance companies in Florida based on overall star rating, price, customer satisfaction and ease of use.
Kayda Norman is a NerdWallet authority on auto insurance. She previously worked in communications at The Walt Disney Co. and as a web producer and writer at several health and fitness publications, including Health magazine. Her work has been featured in The New York Times, The Washington Post and USA Today.
Ryan Brady Lead Writer | Auto insurance, home insurance
Ryan Brady is a lead writer at NerdWallet covering auto and home insurance. Before joining NerdWallet, Ryan was a senior writer and principal researcher at Gartner, covering digital marketing best practices and emerging trends. Ryan has also freelanced for various online publications, such as TechCrunch and Singularity Hub, where he wrote about digital trends and the impact of technology on modern society. He is based in Fort Myers, Florida.
Ben Moore Lead Writer/Spokesperson | Car insurance, home insurance
Ben Moore is an insurance writer and spokesperson who joined NerdWallet in 2020. His work has been featured in The Washington Post, The Associated Press, The Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. Ben has been quoted in Martha Stewart and Real Simple magazines, and he has appeared on local broadcast television. He is based in Nashville, Tennessee.
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.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
That’s why at NerdWallet, we did the majority of the legwork for you. We 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.
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 analysis, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.
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.
Best Florida car insurance for star rating
Both Nationwide and Progressive tie this year for having the highest raw score out of the 25 companies 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.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Fewer than the expected number of complaints to state regulators.
Wide variety of options for customers who want to buy multiple products from one company.
Generous extras for loyal customers such as minor accident forgiveness, pet injury coverage and car key replacement.
Cons
Customer satisfaction for auto insurance is lower than average, according to recent J.D. Power studies.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Fewer than the expected number of complaints to state regulators.
Wide variety of options for customers who want to buy multiple products from one company.
Generous extras for loyal customers such as minor accident forgiveness, pet injury coverage and car key replacement.
Cons
Customer satisfaction for auto insurance is lower than average, according to recent J.D. Power studies.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Second-largest personal auto insurer in the country.
If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills in most states.
Rideshare coverage available.
Cons
Below average rating for car insurance shopping and claims satisfaction from J.D. Power.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Second-largest personal auto insurer in the country.
If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills in most states.
Rideshare coverage available.
Cons
Below average rating for car insurance shopping and claims satisfaction from J.D. Power.
Best Florida car insurance for your budget
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.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
Generous rental car and travel expenses coverage.
Customer satisfaction rating for buying auto insurance is better than average, according to J.D. Power.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
Generous rental car and travel expenses coverage.
Customer satisfaction rating for buying auto insurance is better than average, according to J.D. Power.
Cons
Doesn't offer gap insurance.
Best Florida car insurance for customer satisfaction
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
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Auto Club Group provides AAA-branded auto insurance in over a dozen states.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
May receive an auto insurance discount for being a member of AAA.
Multiple insurance products offered.
Cons
Requires AAA membership.
You may have to change AAA insurance providers if you move states.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Auto Club Group provides AAA-branded auto insurance in over a dozen states.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
May receive an auto insurance discount for being a member of AAA.
Multiple insurance products offered.
Cons
Requires AAA membership.
You may have to change AAA insurance providers if you move states.
Best Florida car insurance for ease of use
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.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
Many types of coverage available.
Lots of discounts.
Robust digital tools.
Cons
Auto claims satisfaction rating is below average.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
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.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, website transparency, financial strength, complaint data and more.
*USAA is only available to military, veterans and their families.
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.
