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Best Car Insurance in Florida in 2024
Travelers offers the best car insurance in Florida, according to NerdWallet’s analysis.
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, life insurance
Ryan Brady is a lead writer at NerdWallet and authority on car insurance and life insurance. Ryan enjoys unraveling complex insurance topics to help people make smarter financial decisions. His work has appeared in TechCrunch, MarketWatch, Yahoo, Nasdaq and more.
Before joining NerdWallet, Ryan was a senior writer and principal researcher at Gartner. He is based in Fort Myers, Florida.
Ben Moore Assistant Assigning Editor | Auto insurance
Ben Moore is an assistant assigning editor and spokesperson who joined NerdWallet as a writer in 2020. An auto insurance authority, his past work has been featured in The Associated Press, The Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. Ben has been quoted in Martha Stewart and Real Simple magazine, 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.
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Picking the “best” car insurance in Florida can feel like throwing darts at a dart board with your eyes closed.
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 very best ones for each of the following categories:
For the full list of best car insurance companies in Florida, skip to the bottom.
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.
Are you wondering why insurance rates are higher? Ask a Nerd directly
Simply send us your questions, and our dedicated in-house Nerds will provide you with thoughtful responses within 2 business days.
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
Received fewer customer complaints than expected.
Lots of coverage options for auto insurance.
One of the largest insurance providers in the nation.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
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
Received fewer customer complaints than expected.
Lots of coverage options for auto insurance.
One of the largest insurance providers in the nation.
Cons
Customer satisfaction ratings are below average.
Rideshare insurance not available in Florida.
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.
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
Robust website and mobile app.
Many discounts available.
Cons
Doesn’t offer gap insurance.
Limited network of local agents.
Below average customer satisfaction for auto insurance claims in a recent J.D. Power study.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.
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
Robust website and mobile app.
Many discounts available.
Cons
Doesn’t offer gap insurance.
Limited network of local agents.
Below average customer satisfaction for auto insurance claims in a recent J.D. Power study.
Why it’s the best
Our analysis suggests Geico is the best car insurance company in Florida when it comes to your wallet. According to our analysis, Geico’s average rate for full coverage is $143 per month for a 35-year-old driver with a clean driving record and good credit. That’s the lowest out of all Florida car insurance companies we have pricing 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.
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.
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.
Far fewer than expected
Pros
Offers a wide variety of products with the opportunity to bundle.
Fewer complaints than other companies for auto and life insurance.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.
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.
Far fewer than expected
Pros
Offers a wide variety of products with the opportunity to bundle.
Fewer complaints than other companies for auto and life insurance.
Cons
Online quotes aren’t available.
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.
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 the highest among large insurers, 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 the highest among large insurers, according to J.D. Power.
Cons
Doesn't offer gap insurance.
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.
If you’re looking for more options, NerdWallet analyzed 21 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 incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
*USAA is only available to military, veterans and their families.
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
NerdWallet has many more Florida car insurance guides. For more information, check out our articles below:
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.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. 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” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average 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.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
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.
We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for a 35-year-old driver.
