Fact CheckedFlorida is one of the most expensive states for car insurance. Rates are high, on average, and you could see even steeper prices when it’s time to renew, even if you avoid accidents and driving violations. But while car insurance is often expensive in Florida, it’s still possible to find a policy that you can afford.
The cheapest car insurance in Florida, at a glance
These rates are based on an analysis we did of 10 insurers in Florida. What you pay will change depending on where you live, your car, the other drivers on your policy and other factors.
Coverage type
Full coverage | State Farm, $174 per month
Minimum coverage | GEICO, $30 per month
Driving record
Speeding ticket | GEICO, $184 per month
At-fault accident | State Farm, $224 per month
DUI | State Farm, $257 per month
Driver age
Young drivers | UAIC, $362 per month
Millennial drivers | State Farm, $177 per month
Gen X drivers | State Farm, $165 per month
Senior drivers | State Farm, $161 per month
Credit-based insurance score
Good credit | State Farm, $174 per month
Poor credit | UAIC, $222 per month
These are median rates. For details on how our sample driver’s insurance coverage, driving record, age and credit score change throughout this analysis, check out our methodology.
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More than 270 million rates analyzed by our team of specialists.
More than 50 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in the state where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
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What can you do about rising car insurance costs in Florida?
In Florida, car insurance has been getting more expensive for years, and rising costs across the entire insurance industry mean rates could stay stubbornly high for everyone.
There are some reliable ways to find cheaper car insurance even as rates remain pricey.
Compare car insurance quotes. Try to get quotes from at least three insurers before you buy a policy.
Shop around at least once a year. There’s no guarantee the company with the best rates one year will stay cheap forever.
Raise your deductible. You could lower your rates if you commit to paying a larger part of a future claim.
Make sure your coverage fits your needs. Dropping some coverage may allow you to lower your rates if you own an older car that’s worth less than what it costs to insure.
Consider usage-based insurance. This type of policy might be cheaper for safe drivers, since its price is based on factors like your speed, handling and the miles you drive.
» MORE: How to get cheaper car insurance
Cheapest car insurance in Florida by coverage type
The company with the cheapest car insurance depends partly on your coverage. You’ll pay more for a policy that has balanced coverage compared to what you would pay for minimum coverage. But minimum coverage could leave you owing tens of thousands of dollars or more after an accident.
Don’t assume that you can’t afford more than basic coverage. You could find a policy that’s potentially thousands of dollars cheaper per year by shopping around for cheap full coverage car insurance.
State Farm has the cheapest car insurance in Florida for full coverage, with an average rate of $174 per month or $2,089 per year.
If you have a car loan or lease, your lender will likely require you to carry full coverage car insurance. A full coverage policy helps pay for the injuries and property damage you cause to others, and repairs to your vehicle too.
Full coverage includes comprehensive and collision insurance, which cover theft and most causes of damage to your car, including weather, falling tree branches and damage from uninsured drivers.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $2,089 | $174 |
| GEICO | $2,209 | $184 |
| Travelers | $2,372 | $198 |
| UAIC | $2,667 | $222 |
| Nationwide | $3,492 | $291 |
GEICO has the cheapest car insurance in Florida for minimum coverage, with an average rate of $30 per month or $358 per year.
Florida requires property damage liability insurance, which covers damage you do to someone else’s stuff. You also need to carry personal injury protection to cover your injuries after an accident. PIP can pay for medical costs, like surgeries and rehab, and death benefits regardless of whether you caused the accident.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $358 | $30 |
| State Farm | $429 | $36 |
| Travelers | $609 | $51 |
| Private Client Select | $777 | $65 |
| Nationwide | $875 | $73 |
Rates refreshed October 2025.
- Minimum car insurance requirements 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 also want added protection from optional coverage types 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 minimum coverage in Florida enough?
Minimum coverage in Florida isn’t enough for most drivers. Florida’s low car insurance requirements could easily leave you unprotected after most accidents. For example, Florida requires just $10,000 in personal injury protection, which isn’t nearly enough for the costs of medical care, surgery and rehab that you could face after an accident.
To complicate things, Florida doesn’t require bodily injury liability insurance. If you’re hit and injured by someone who doesn’t have this type of coverage, you wouldn’t be able to rely on their insurance for help with your injuries like you could in other states. Without uninsured motorist coverage of your own, you could face high out-of-pocket costs.
If you can afford it, consider a more protective policy that has:
Bodily injury liability coverage for the injuries you cause others.
Uninsured and underinsured coverage to help pay for injuries and property damage caused by drivers who don’t have insurance, or don’t have enough insurance.
More than a minimum amount of property damage and personal injury protection.
Cheapest car insurance in large Florida cities
NerdWallet analyzed rates for 35-year-old drivers with a range of driving histories in some of the largest Florida cities.
- Fort Lauderdale
Below are the cheapest insurers we found in Fort Lauderdale. To see the full list, read NerdWallet's analysis of car insurance in Fort Lauderdale.
Category Cheapest Company Median annual rate Clean driving history State Farm $2,811 After a DUI State Farm $4,305 After an accident State Farm $3,712 After a speeding ticket GEICO $2,981 Having poor credit UAIC $3,703 Rates refreshed October 2025.
- Jacksonville
Below are the cheapest insurers we found in Jacksonville. To see the full list, read NerdWallet's analysis of car insurance in Jacksonville.
Rates refreshed October 2025.
- Miami
Below are the cheapest insurers we found in Miami. To see the full list, read NerdWallet's analysis of car insurance in Miami.
Rates refreshed October 2025.
- Orlando
Below are the cheapest insurers we found in Orlando. To see the full list, read NerdWallet's analysis of car insurance in Orlando.
Category Cheapest Company Median annual rate Clean driving history GEICO $2,083 After a DUI State Farm $3,214 After an accident State Farm $2,796 After a speeding ticket GEICO $2,083 Having poor credit UAIC $3,331 Rates refreshed October 2025.
- St. Petersburg
Below are the cheapest insurers we found in St. Petersburg. To see the full list, read NerdWallet's analysis of car insurance in St. Petersburg.
Category Cheapest Company Median annual rate Clean driving history GEICO $2,694 After a DUI State Farm $4,031 After an accident State Farm $3,538 After a speeding ticket GEICO $2,694 Having poor credit UAIC $2,882 Rates refreshed October 2025.
- Tampa
Below are the cheapest insurers we found in Tampa. To see the full list, read NerdWallet's analysis of car insurance in Tampa.
Category Cheapest Company Median annual rate Clean driving history State Farm $2,768 After a DUI State Farm $4,177 After an accident State Farm $3,619 After a speeding ticket GEICO $2,842 Having poor credit UAIC $4,057 Rates refreshed October 2025.
Did your rates go up?
Auto insurance prices are on the rise in Florida, and finding cheap car insurance 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 October 2025 analysis.
Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
Cheapest car insurance in Florida by age
Your age is one important factor in determining how much you'll pay for car insurance. Teens pay the most, with rates typically decreasing once you hit your 30s and then going up again in your 70s.
Below are the companies with the cheapest car insurance rates for Florida drivers. All rates are for drivers with clean driving records and good credit.
- Cheapest for young drivers
UAIC has the cheapest car insurance for young drivers in Florida, with an average rate of $362 per month or $4,345 per year for full coverage.
Teens and young adults pay more for car insurance than other age groups because they often have the least driving experience. But car insurance rates for young drivers usually come down over time if you can keep a good driving record. Instead of getting a separate policy, it’s usually cheaper for young drivers to join a parent or guardian’s car insurance.
Company Median annual rate Median monthly rate UAIC $4,345 $362 GEICO $4,475 $373 State Farm $4,959 $413 Travelers $6,829 $569 Nationwide $6,973 $581 Company Median annual rate Median monthly rate GEICO $669 $56 State Farm $1,192 $99 Private Client Select $1,197 $100 Travelers $1,285 $107 Nationwide $1,621 $135 These are median rates for 20-year-old drivers who get their own standalone policy, according to our October 2025 analysis. A driver who’s added to an existing policy may pay cheaper rates.
- Cheapest for millennials
State Farm has the cheapest car insurance for millennials in Florida, with an average rate of $177 per month or $2,122 per year for full coverage.
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 model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of the car insurance discounts offered by most companies.
Company Median annual rate Median monthly rate State Farm $2,122 $177 GEICO $2,329 $194 Travelers $2,372 $198 UAIC $2,695 $225 Nationwide $3,496 $291 Company Median annual rate Median monthly rate GEICO $386 $32 State Farm $440 $37 Travelers $574 $48 Private Client Select $818 $68 Nationwide $879 $73 These are median rates for 30-year-old drivers, according to our October 2025 analysis
- Cheapest for Gen X drivers
State Farm has the cheapest car insurance for Gen X drivers in Florida, with an average rate of $165 per month or $1,980 per year for full coverage.
While insurance rates vary by age and gender, drivers in their 40s and 50s can often expect to get cheap insurance rates from a few companies. You may find even cheaper rates from smaller or regional insurers.
Company Median annual rate Median monthly rate State Farm $1,980 $165 Travelers $2,032 $169 GEICO $2,240 $187 UAIC $2,457 $205 Nationwide $3,257 $271 Company Median annual rate Median monthly rate GEICO $332 $28 State Farm $400 $33 Travelers $511 $43 Private Client Select $800 $67 Nationwide $826 $69 These are median rates for 50-year-old drivers, according to our October 2025 analysis.
- Cheapest for senior-age drivers
State Farm has the cheapest car insurance for senior drivers in Florida, with an average rate of $161 per month or $1,928 per year for full coverage.
Our analysis shows that car insurance for older drivers with good credit and a clean driving history usually see some of the cheapest auto rates of any age group. But once you’re in your 70s, it’s common for rates to creep up.
Company Median annual rate Median monthly rate State Farm $1,928 $161 GEICO $1,954 $163 Travelers $2,210 $184 UAIC $2,435 $203 Nationwide $3,522 $294 Company Median annual rate Median monthly rate GEICO $292 $24 State Farm $378 $31 Travelers $530 $44 Private Client Select $831 $69 Nationwide $856 $71 These are median rates for 70-year-old drivers, according to our October 2025 analysis.
Cheapest car insurance in Florida by driving record
Having a driving violation on your record is likely to make your car insurance more expensive. But since insurance companies set their prices differently, it’s still possible for high-risk drivers to find relatively cheap car insurance by comparing rates and choosing the lowest option.
- Cheapest after a speeding ticket
GEICO has the cheapest car insurance in Florida after a speeding ticket, with an average rate of $184 per month or $2,209 per year for full coverage.
In most cases, a speeding ticket raises insurance rates. That said, some insurers won’t raise your premiums at all after your first ticket. If your car insurance gets more expensive after a ticket, you could find cheaper coverage with another insurance company.
Company Median annual rate Median monthly rate GEICO $2,209 $184 State Farm $2,354 $196 Travelers $3,085 $257 UAIC $3,429 $286 Nationwide $4,722 $394 Company Median annual rate Median monthly rate GEICO $358 $30 State Farm $537 $45 Travelers $800 $67 Private Client Select $1,142 $95 Nationwide $1,248 $104 Rates refreshed October 2025.
- Cheapest after an at-fault accident
State Farm has the cheapest car insurance in Florida after an at-fault accident, with an average rate of $224 per month or $2,693 per year for full coverage.
An accident may affect what you pay for car insurance for between three and five years, depending on where you live, details about the crash and your insurer. Since insurance companies use different pricing models, it can be hard to predict exactly how your rates will change after an accident.
Company Median annual rate Median monthly rate State Farm $2,693 $224 GEICO $3,002 $250 Travelers $3,241 $270 UAIC $3,477 $290 Nationwide $5,083 $424 Company Median annual rate Median monthly rate GEICO $518 $43 State Farm $649 $54 Travelers $850 $71 Private Client Select $1,283 $107 Nationwide $1,344 $112 Rates refreshed October 2025.
- Cheapest after a DUI
State Farm has the cheapest car insurance in Florida after a DUI, with an average rate of $257 per month or $3,080 per year for full coverage.
It gets harder to find cheap car insurance after a DUI, partly because you’ll be required by Florida to carry more insurance after you’re caught driving under the influence. While someone with a clean record in Florida pays an average of $4,011 per year for car insurance, that same person could pay $6,063 after a DUI.
Company Median annual rate Median monthly rate State Farm $3,080 $257 GEICO $3,619 $302 Travelers $3,957 $330 UAIC $4,691 $391 Progressive $6,188 $516 Company Median annual rate Median monthly rate GEICO $658 $55 State Farm $783 $65 Travelers $1,020 $85 Direct Auto $1,106 $92 Private Client Select $1,113 $93 Rates refreshed October 2025.
If your driving record has caused you to be denied car insurance, try applying for coverage through the Florida Automobile Joint Underwriting Association, a group of insurers created by the state in 1973 to provide coverage to drivers who can’t get it on their own.
Cheapest car insurance in Florida by credit history
Your credit history can affect your auto insurance rates in Florida. Insurers use a credit-based insurance score, which is different from your regular credit score, to estimate how likely you are to make a claim.
You might be able to improve your credit-based insurance score over time (and lower your car insurance rates) by building your credit. One way to do this is by regularly paying down your credit card and loan balances.
- Poor credit
UAIC has the cheapest car insurance in Florida for drivers with poor credit, with an average rate of $222 per month or $2,667 per year for full coverage.
Company Median annual rate Median monthly rate UAIC $2,667 $222 GEICO $3,931 $328 Travelers $4,703 $392 Nationwide $5,118 $427 Direct Auto $5,914 $493 Company Median annual rate Median monthly rate GEICO $691 $58 Direct Auto $1,095 $91 Private Client Select $1,144 $95 Nationwide $1,371 $114 UAIC $1,473 $123 Rates refreshed October 2025.
- Good credit
State Farm has the cheapest car insurance in Florida for drivers with good credit, with an average rate of $174 per month or $2,089 per year for full coverage.
Company Median annual rate Median monthly rate State Farm $2,089 $174 GEICO $2,209 $184 Travelers $2,372 $198 UAIC $2,667 $222 Nationwide $3,492 $291 Company Median annual rate Median monthly rate GEICO $358 $30 State Farm $429 $36 Travelers $609 $51 Private Client Select $777 $65 Nationwide $875 $73 Rates refreshed October 2025.
Cheapest car insurance in Florida for military families
USAA
- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available to active military, veterans and their families only.
If you're an active member of the military or a veteran, a member of a military family or a federal employee, you may be able to get a relatively cheap rate with USAA.
USAA isn't available to the general public, however. Because of that restriction, we don’t rank this insurer with the others. Read our USAA auto insurance review to learn more.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
What is no-fault insurance in Florida?
In most states, the person who’s responsible for an accident uses their insurance to help pay for the injuries they caused.
But under Florida’s no-fault system, all people involved in a crash turn first to their own PIP coverage for help with their injuries, 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 or loss of a body function or system.
Death.
Injuries that meet this definition are grounds for a lawsuit in Florida. If you have bodily injury coverage on your policy, you can use it to pay for legal fees as well as the injured person’s medical costs. But if you only have the minimum required coverage — meaning, no bodily injury coverage — you would have to pay out of pocket.
To complicate things further, you 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.
Methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for 35-year-old men and women for all ZIP codes in all 50 states and Washington, D.C.
Unless otherwise stated, our analysis was based on our base driver profile, which has the following characteristics and coverage levels:
35 years old
Single. Male or female.
2022 Toyota Camry LE
12,000 annual miles driven.
Good driving record and credit
No moving violations.
"Good driving" discount applied.
Good credit-based insurance score.
Bodily injury liability coverage
$100,000 per person. $300,000 per crash.
Property damage liability coverage
$50,000 per crash.
Uninsured motorist bodily injury coverage
$100,000 per person. $300,000 per crash.
Collision coverage
With a $1,000 deductible.
Comprehensive coverage
With a $1,000 deductible.
- See characteristics for other driver profiles
For all other driver profiles, we used the same assumptions, 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. These rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
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.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
For young drivers, we considered 20-year-olds with good credit and no driving violations.
For millennial drivers, we considered 40-year-olds with good credit and no driving violations.
For senior drivers, we considered 70-year-olds with good credit and no driving violations.
These are median rates, and your rate will vary based on your personal details, state and insurance provider. Sample drivers had the minimum required coverage by law in each state. Some policies include additional coverage at the insurer’s discretion.
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.
