Nerdy takeaways
State Farm offers the cheapest minimum coverage in Florida, with an average rate of $27 per month or $322 per year according to NerdWallet's April 2025 analysis.
Minimum coverage in Florida costs an average of $924 per year, or $77 per month.
If you want more coverage than the minimum amount, the average cost of full coverage in Florida is $3,681 per year, or $307 per month.
Finding cheap car insurance in Florida isn’t easy. The average cost of car insurance in Florida has historically been among the most expensive in the country and continues that trend, according to NerdWallet’s April 2025 analysis.
The state’s high insurance costs are due to a variety of factors. Florida is not only a magnet for hurricanes and tens of millions of tourists each year, but it also has more traffic fatalities and uninsured drivers than most states.
Did your rates go up? Auto insurance prices are on the rise in Florida. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.The cheapest car insurance company in Florida
Cheapest car insurance in Florida
GEICO
With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance.- Robust website and mobile app.
- Many discounts available.
- 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.
Minimum coverage cost per year, on average
$322
Minimum coverage cost per month, on average
$27
Full coverage cost per month, on average
$190
The cheapest company in Florida is GEICO, which is also one of the best insurance companies available in Florida. Not only does GEICO have very affordable rates for Florida drivers, but the company also boasts a 4.5 NerdWallet star rating thanks to the company's financial strength, extensive list of discounts and low ratio of complaints to state regulators.
To see a full list of other top-rated companies in the state, check out our roundup of the best car insurance companies in Florida. And if you’re looking for the cheapest car insurance near you, NerdWallet analyzed rates for some of the largest cities in Florida.
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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: |
Cheap Florida car insurance for different types of drivers
While GEICO may be the cheapest car insurance company in Florida, the car insurance quotes you receive can look very different depending on your unique driver profile.
Here are the cheapest minimum coverage car insurance companies in Florida for 35-year-old drivers with some common driving profiles, according to NerdWallet's April 2025 analysis:
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | GEICO | $322 |
| After a DUI | Private Client Select | $437 |
| After an accident | GEICO | $460 |
| After a speeding ticket | GEICO | $322 |
| Having poor credit | Private Client Select | $600 |
Sunshine State drivers who’ve been denied car insurance because of a spotty driving history or other factors can apply for coverage through the Florida Automobile Joint Underwriting Association.
Keep reading to find additional cheap car insurance picks for Florida drivers in the following categories:
- How we chose the cheapest companies in Florida
NerdWallet’s editorial team analyzed car insurance rates from 10 auto insurers in Florida and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2022 Toyota Camry LE.
You’ll find rates for both minimum and full coverage on this page. “Minimum coverage” is the bare minimum car insurance you’re required to have to drive legally. In Florida, that means property damage liability and personal injury protection insurance.
Meanwhile, full coverage insurance offers greater financial protection on the road, but costs more than minimum coverage. While it’s not required to drive in Florida, the extra cost of full coverage may be worth the peace of mind next time you hop on I-4.
For example, here are the coverage limits we included in our analysis for full coverage:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
Why trust NerdWallet
60+ years of combined experience covering insurance.
1.5 billion+ auto insurance rates analyzed by our team of experts.
700+ auto insurance companies analyzed in over 29,000 U.S. cities. (See our top picks.)
NerdWallet writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. Read our criteria for evaluating auto insurance companies.
Cheap auto insurance in Florida by age
Your age is one important factor in determining how much you'll pay for car insurance. Below you'll find the cheapest insurance companies in Florida for young drivers, millennials and seniors.
Cheap auto insurance in Florida for young drivers
Drivers in their 20s may have to get a lot of quotes to find cheap car insurance in Florida. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies offer lower insurance rates for young drivers than others, so it's best to shop around to find those cheaper options in Florida.
Young drivers in Florida with clean driving records may want to consider the following companies, which had the lowest average rates for common driver profiles:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $617 | $51 |
| Private Client Select | $626 | $52 |
| Travelers | $1,167 | $97 |
| State Farm | $1,211 | $101 |
| Nationwide | $1,281 | $107 |
Cheap auto insurance in Florida for millennial drivers
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.
Drivers in Florida seeking minimum coverage auto insurance can check with the following companies, which had the lowest average rates for common driver profiles:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $322 | $27 |
| Private Client Select | $405 | $34 |
| State Farm | $427 | $36 |
| Travelers | $548 | $46 |
| Nationwide | $700 | $58 |
» MORE: The best cheap car insurance
Cheap auto insurance in Florida for senior drivers
Car insurance costs may start to rise for 70-year-old drivers because accidents and injuries become more common. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Senior drivers in Florida may want to think about getting quotes from these companies, which had the lowest average rates for common driver profiles and minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $267 | $22 |
| State Farm | $380 | $32 |
| Private Client Select | $433 | $36 |
| Travelers | $488 | $41 |
| Nationwide | $684 | $57 |
» MORE: Car insurance for seniors
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Cheapest car insurance in Florida by driving record
While age is an important factor in determining car insurance costs, you can also expect to pay more for coverage depending on your driving record.
NerdWallet found which companies in Florida offer the lowest car insurance rates for 35-year-old drivers with different driver profiles. If you have multiple violations on your record, consider looking into the best high-risk car insurance companies.
Cheapest car insurance in Florida after a speeding ticket
If you recently got a speeding ticket in Florida, check out these companies we found with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $322 | $27 |
| State Farm | $533 | $44 |
| Private Client Select | $571 | $48 |
| Travelers | $722 | $60 |
| Nationwide | $989 | $82 |
Cheapest car insurance in Florida after an accident
If you were in a crash recently, check out these companies we found with the lowest average rates for minimum coverage in Florida:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $460 | $38 |
| Private Client Select | $595 | $50 |
| State Farm | $643 | $54 |
| Travelers | $769 | $64 |
| Nationwide | $1,068 | $89 |
Cheapest car insurance in Florida after a DUI
If you have a DUI on your record, check out these companies we found with the lowest average rates for minimum coverage in Florida:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Private Client Select | $437 | $36 |
| GEICO | $581 | $48 |
| State Farm | $776 | $65 |
| Travelers | $916 | $76 |
| Direct Auto | $1,060 | $88 |
» MORE: Cheap car insurance after a DUI
Cheap car insurance in Florida for drivers with poor credit
Your credit history can impact how much you pay for auto insurance, depending on where you live. Many insurers in Florida use a credit-based insurance score to price their policies.
Here are the companies that offer the cheapest median minimum coverage rates in Florida for people with poor credit:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Private Client Select | $600 | $50 |
| GEICO | $607 | $51 |
| Direct Auto | $1,052 | $88 |
| Nationwide | $1,084 | $90 |
| UAIC | $1,279 | $107 |
How to get cheap car insurance in Florida
No matter your age or driving history, there are a few steps you can take to get cheap car insurance in Florida. Here are some simple ways to get a better deal:
Shop around. Car insurance companies regularly change their pricing models. That’s why NerdWallet recommends comparing car insurance quotes from multiple insurers at least once a year to get the best rate possible.
Ask about discounts. Many car insurance companies offer a suite of discounts to entice new customers. It may be worth checking with your insurer to see if there are any car insurance discounts you may be eligible for that you’re not currently getting.
Drop unnecessary coverage. You can lower your car insurance premiums by getting rid of optional coverage types you no longer need. For example, comprehensive and collision insurance cover repairs for damage to your vehicle in a variety of situations, up to the market value of your car. If you own an older car that’s not worth much, you can likely drop these coverage types.
Raise your deductible. A car insurance deductible is the amount of money you pay out of pocket before your car insurance kicks in. The higher your deductible, the lower your car insurance premium. Just make sure you have enough money stashed away to cover the higher amount. In Florida, you’ll likely have deductibles for personal injury protection insurance and comprehensive and collision insurance, if you have it.
Build your credit. Because car insurance companies in Florida use a credit-based insurance score to price policies, drivers can get a better rate by keeping their credit score high.
» MORE: How to save on car insurance
No-fault insurance in Florida
Florida is one of several states that has a no-fault car insurance system, but it’s one of only two that doesn’t require any bodily injury liability coverage.
In most states, drivers who are injured in a car accident caused by someone else will seek reimbursement from the at-fault driver’s insurance company. The claim and payout come from that person’s bodily injury liability coverage.
Under Florida’s no-fault system, all people involved in a crash first make injury claims to their own PIP coverage and payouts are capped at 80% of the bills. If injuries from the accident are considered “serious” under Florida law, the at-fault driver’s bodily injury liability pays for additional costs. Serious injuries include at least one of the following:
Significant disfigurement or scarring.
Permanent limitation of a body organ or member.
Significant limitation of a body function or system.
Injuries that meet this definition are grounds for a lawsuit in Florida. Drivers with bodily injury coverage can use it to pay for legal fees as well as the injured person’s medical costs, but anyone with only the minimum required coverage — that is, no bodily injury coverage — would have to pay out of pocket if they were at fault.
To complicate things further, drivers can also be partially at fault for a crash. Florida has a “comparative fault” statute, meaning that two drivers can share responsibility for an incident. In a lawsuit, a jury could assign 30% of the responsibility to the injured driver, who would then be entitled to only 70% of the total damages from the other driver. In fact, if you are judged to have 50% or more of the responsibility, you’ll be unable to recover any damages from the other driver.
Insurance companies don’t just absorb those costs. As a result, drivers in Florida tend to pay more for car insurance, on average, compared with those in non-PIP states.
Frequently asked questions
How much car insurance is required in Florida?
How much car insurance is required in Florida?
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 covers the cost of other people’s property you damage in a car accident, up to your policy’s predefined limits.
PIP insurance in Florida covers your medical bills and other 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. For example, comprehensive insurance can cover car damage from flooding, fallen objects and more next time another Hurricane Helene strikes.
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.
Is car insurance cheaper in Florida or Georgia?
Is car insurance cheaper in Florida or Georgia?
Minimum coverage car insurance in Florida is actually cheaper than car insurance in Georgia, on average, according to NerdWallet’s January 2025 analysis. However, our data shows that full coverage in Florida is significantly more expensive than the same coverage in Georgia.
Florida’s minimum coverage requirements are lower than Georgia’s, which may explain why minimum coverage is cheaper there. But because Florida is historically one of the most expensive states for auto insurance — for reasons like a higher risk of hurricane damage and a higher number of uninsured drivers — you should consider getting coverage beyond Florida’s minimum requirements, even if you end up paying more for that coverage.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.The Insurance Institute for Highway Safety. Fatality Facts 2022. Accessed Jan 27, 2025.
- 2.Insurance Research Council. One in Eight Drivers Uninsured. Accessed Jan 27, 2025.
METHODOLOGY
For our “good driver” profile, NerdWallet averaged insurance estimates 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.
For full coverage policies, we used the following coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2022 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in 10-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
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 the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
