Cheap Car Insurance in Florida – 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Florida for a variety of ages and driving histories.
Sep 14, 2022

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You’ll need car insurance to confidently navigate Florida’s highways, especially considering that an estimated 1 in every 5 drivers doesn’t have auto insurance, according to 2019 data from the Insurance Research Council.

But finding cheap car insurance in the Sunshine State isn’t always easy. The average cost of full coverage in Florida is the second highest in the country, according to NerdWallet’s analysis.

Read on to see the cheapest car insurance in Florida by age and driving history, plus the state-mandated minimum requirements. If you’re looking for the best auto coverage, check out our list of the best car insurance in Florida.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country 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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Cheapest car insurance company overall in Florida

$164/month

5.0

NerdWallet rating 

Cheapest for minimum coverage

$60/month

4.5

NerdWallet rating 

Cheapest for young drivers

$289/month

5.0

NerdWallet rating 

Cheapest for drivers with poor credit

$164/month

5.0

NerdWallet rating 

If you’re looking for the cheapest car insurance in your city, NerdWallet analyzed rates for some of the largest Florida cities, including:

How much is car insurance in Florida?

The average cost of full coverage car insurance in Florida is $2,780 per year, or about $232 per month, according to NerdWallet’s analysis. Minimum coverage in Florida is $1,084 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Florida at $717 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in Florida

NerdWallet’s editorial team analyzed car insurance rates from six auto insurers in Florida and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Florida. For full coverage, we used the below 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.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. 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 routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Florida for 20-year-olds

Drivers in Florida with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. State Farm: $3,471 per year, or about $289 per month.

  2. Geico: $3,927 per year, or about $327 per month.

  3. Allstate: $4,205 per year, or about $350 per month.

  4. MetLife: $5,416 per year, or about $451 per month.

  5. Direct Auto: $5,998 per year, or about $500 per month.

Cheapest minimum coverage car insurance in Florida for 20-year-olds

Drivers in Florida who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $1,274 per year, or about $106 per month.

  2. Allstate: $1,338 per year, or about $112 per month.

  3. State Farm: $1,490 per year, or about $124 per month.

  4. Direct Auto: $2,233 per year, or about $186 per month.

  5. MetLife: $2,354 per year, or about $196 per month.

Cheapest auto insurance in Florida for 20-year-olds with poor credit

Drivers with poor credit in Florida should look at the following insurers with the lowest average rates for minimum coverage:

  1. Direct Auto: $2,280 per year, or about $190 per month.

  2. Allstate: $2,391 per year, or about $199 per month.

  3. Geico: $2,482 per year, or about $207 per month.

  4. State Farm: $3,251 per year, or about $271 per month.

  5. Progressive: $4,005 per year, or about $334 per month.

Cheapest auto insurance in Florida for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Florida, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $1,435 per year, or about $120 per month.

  2. State Farm: $2,215 per year, or about $185 per month.

  3. Allstate: $2,224 per year, or about $185 per month.

  4. Direct Auto: $2,690 per year, or about $224 per month.

  5. MetLife: $3,306 per year, or about $276 per month.

Cheapest auto insurance in Florida for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Geico: $1,661 per year, or about $138 per month.

  2. Allstate: $1,752 per year, or about $146 per month.

  3. Direct Auto: $2,455 per year, or about $205 per month.

  4. State Farm: $2,694 per year, or about $224 per month.

  5. Progressive: $3,117 per year, or about $260 per month.

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Cheapest for 30-year-old 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.

Cheapest full coverage car insurance in Florida for 30-year-olds

Drivers in Florida with clean driving records may get the lowest rates from these companies:

  1. State Farm: $1,993 per year, or about $166 per month.

  2. Geico: $2,206 per year, or about $184 per month.

  3. Allstate: $2,680 per year, or about $223 per month.

  4. MetLife: $2,957 per year, or about $246 per month.

  5. Progressive: $3,436 per year, or about $286 per month.

Cheapest minimum coverage car insurance in Florida for 30-year-olds

Drivers in Florida who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $766 per year, or about $64 per month.

  2. State Farm: $800 per year, or about $67 per month.

  3. Allstate: $951 per year, or about $79 per month.

  4. MetLife: $1,207 per year, or about $101 per month.

  5. Direct Auto: $1,338 per year, or about $112 per month.

Cheapest auto insurance in Florida for 30-year-olds with poor credit

Drivers with poor credit in Florida should consider the following companies with the lowest average rates for full coverage:

  1. State Farm: $3,499 per year, or about $292 per month.

  2. Direct Auto: $3,939 per year, or about $328 per month.

  3. Geico: $3,945 per year, or about $329 per month.

  4. Allstate: $4,942 per year, or about $412 per month.

  5. Progressive: $5,590 per year, or about $466 per month.

Cheapest auto insurance in Florida for 30-year-old drivers with one at-fault crash

For drivers in Florida with a recent accident, here are the lowest average rate options for full coverage:

  1. State Farm: $2,603 per year, or about $217 per month.

  2. Geico: $2,814 per year, or about $234 per month.

  3. Allstate: $4,084 per year, or about $340 per month.

  4. MetLife: $4,571 per year, or about $381 per month.

  5. Direct Auto: $5,041 per year, or about $420 per month.

Cheapest auto insurance in Florida for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Geico: $2,943 per year, or about $245 per month.

  2. State Farm: $2,990 per year, or about $249 per month.

  3. Allstate: $3,418 per year, or about $285 per month.

  4. Progressive: $4,074 per year, or about $340 per month.

  5. Direct Auto: $4,099 per year, or about $342 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Florida for 40-year-olds

Drivers in Florida with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. State Farm: $1,956 per year, or about $163 per month.

  2. Geico: $2,017 per year, or about $168 per month.

  3. Allstate: $2,677 per year, or about $223 per month.

  4. MetLife: $2,738 per year, or about $228 per month.

  5. Progressive: $3,378 per year, or about $282 per month.

Cheapest minimum coverage car insurance in Florida for 40-year-olds

Drivers in Florida who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $704 per year, or about $59 per month.

  2. State Farm: $784 per year, or about $65 per month.

  3. Allstate: $949 per year, or about $79 per month.

  4. MetLife: $1,129 per year, or about $94 per month.

  5. Direct Auto: $1,231 per year, or about $103 per month.

Cheapest auto insurance in Florida for 40-year-olds with poor credit

Drivers with poor credit in Florida can check out the following insurers with the lowest average rates for full coverage:

  1. State Farm: $3,433 per year, or about $286 per month.

  2. Direct Auto: $3,533 per year, or about $294 per month.

  3. Geico: $3,559 per year, or about $297 per month.

  4. Allstate: $4,938 per year, or about $412 per month.

  5. MetLife: $5,327 per year, or about $444 per month.

Cheapest auto insurance in Florida for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Florida, here are the companies with the lowest average rates for full coverage:

  1. State Farm: $2,553 per year, or about $213 per month.

  2. Geico: $2,636 per year, or about $220 per month.

  3. Allstate: $4,082 per year, or about $340 per month.

  4. MetLife: $4,273 per year, or about $356 per month.

  5. Direct Auto: $4,498 per year, or about $375 per month.

Cheapest auto insurance in Florida for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Geico: $2,749 per year, or about $229 per month.

  2. State Farm: $2,932 per year, or about $244 per month.

  3. Allstate: $3,416 per year, or about $285 per month.

  4. Direct Auto: $3,659 per year, or about $305 per month.

  5. Progressive: $3,982 per year, or about $332 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Florida for 50-year-olds

Drivers in Florida with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. State Farm: $1,901 per year, or about $158 per month.

  2. Geico: $1,957 per year, or about $163 per month.

  3. MetLife: $2,537 per year, or about $211 per month.

  4. Allstate: $2,571 per year, or about $214 per month.

  5. Progressive: $3,098 per year, or about $258 per month.

Cheapest minimum coverage car insurance in Florida for 50-year-olds

Drivers in Florida who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $674 per year, or about $56 per month.

  2. State Farm: $757 per year, or about $63 per month.

  3. Allstate: $906 per year, or about $76 per month.

  4. MetLife: $1,039 per year, or about $87 per month.

  5. Direct Auto: $1,167 per year, or about $97 per month.

Cheapest auto insurance in Florida for 50-year-olds with poor credit

Drivers with poor credit in Florida can check with the following companies, which showed the lowest average rates for full coverage:

  1. State Farm: $3,327 per year, or about $277 per month.

  2. Direct Auto: $3,413 per year, or about $284 per month.

  3. Geico: $3,446 per year, or about $287 per month.

  4. Allstate: $4,751 per year, or about $396 per month.

  5. MetLife: $4,953 per year, or about $413 per month.

Cheapest auto insurance in Florida for 50-year-old drivers with one at-fault crash

For drivers living in Florida with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. State Farm: $2,478 per year, or about $206 per month.

  2. Geico: $2,555 per year, or about $213 per month.

  3. Allstate: $3,914 per year, or about $326 per month.

  4. MetLife: $4,015 per year, or about $335 per month.

  5. Direct Auto: $4,396 per year, or about $366 per month.

Cheapest auto insurance in Florida for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Geico: $2,661 per year, or about $222 per month.

  2. State Farm: $2,844 per year, or about $237 per month.

  3. Allstate: $3,278 per year, or about $273 per month.

  4. Direct Auto: $3,540 per year, or about $295 per month.

  5. Progressive: $3,653 per year, or about $304 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Florida for 60-year-olds

Drivers in Florida with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. State Farm: $1,833 per year, or about $153 per month.

  2. Geico: $1,873 per year, or about $156 per month.

  3. Allstate: $2,471 per year, or about $206 per month.

  4. MetLife: $2,552 per year, or about $213 per month.

  5. Progressive: $2,984 per year, or about $249 per month.

Cheapest minimum coverage car insurance in Florida for 60-year-olds

Drivers in Florida who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $640 per year, or about $53 per month.

  2. State Farm: $729 per year, or about $61 per month.

  3. Allstate: $865 per year, or about $72 per month.

  4. MetLife: $1,036 per year, or about $86 per month.

  5. Direct Auto: $1,138 per year, or about $95 per month.

Cheapest auto insurance in Florida for 60-year-olds with poor credit

Drivers with poor credit in Florida can look at the following companies with the lowest average rates for full coverage:

  1. State Farm: $3,191 per year, or about $266 per month.

  2. Geico: $3,298 per year, or about $275 per month.

  3. Direct Auto: $3,358 per year, or about $280 per month.

  4. Allstate: $4,544 per year, or about $379 per month.

  5. Progressive: $4,827 per year, or about $402 per month.

Cheapest auto insurance in Florida for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Florida, here are the companies with the lowest average rates for full coverage:

  1. State Farm: $2,383 per year, or about $199 per month.

  2. Geico: $2,454 per year, or about $204 per month.

  3. Allstate: $3,765 per year, or about $314 per month.

  4. MetLife: $4,018 per year, or about $335 per month.

  5. Direct Auto: $4,325 per year, or about $360 per month.

Cheapest auto insurance in Florida for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Geico: $2,549 per year, or about $212 per month.

  2. State Farm: $2,731 per year, or about $228 per month.

  3. Allstate: $3,159 per year, or about $263 per month.

  4. Direct Auto: $3,483 per year, or about $290 per month.

  5. Progressive: $3,530 per year, or about $294 per month.

Minimum car insurance requirements in Florida

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.

In case you’re at fault in a crash, the Florida Financial Responsibility Law also requires you to be able to pay up to:

  • $10,000 in bodily injury liability per person.

  • $20,000 in bodily injury liability per accident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Personal injury protection will cover your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was. Depending on your state, PIP may also pay for:

  • Lost wages if you’re unable to work due to injuries from an accident.

  • Services you can no longer perform, like house cleaning or child care, because of your injuries.

  • Funeral costs if an accident-related injury leads to death.

  • A small death benefit as a cash payout.

Experts recommend buying more than the bare minimum when it comes to all parts of your auto liability insurance. You might want added protection from optional coverages such as collision, comprehensive and uninsured motorist insurance.

Check out NerdWallet’s guide to car insurance requirements by state for more details on coverage you might want on your Florida auto policy.

SR-22, FR-44 and alternative auto insurance in Florida

Drivers convicted of certain offenses may be required to get an SR-22 filed by their insurance company with the state of Florida. There’s no such thing as “SR-22 insurance”; instead, an SR-22 is a form certifying you have current auto insurance coverage in compliance with Florida law. An SR-22 might be required if you:

  • Got in an accident without insurance.

  • Had your license suspended due to too many points or another reason.

  • Have severe and recent traffic violations on record.

And if you get caught driving while intoxicated or under the influence of drugs in Florida, another form, an FR-44, may be required instead. Again, “FR-44 insurance” isn’t actually a type of insurance. Rather, an auto insurer must file an FR-44 certificate on behalf of someone convicted of a DUI or similar offenses.

Compared with an SR-22, an FR-44 comes with additional liability insurance requirements. Instead of the relatively low liability limits listed above, you’d need at least:

  • $100,000 for injury to or death of one person.

  • $300,000 for injury to or death of two or more people.

  • $50,000 for property damage liability.

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.

For more help finding cheap car insurance in Florida, try NerdWallet’s car insurance comparison tool.

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 motorist’s insurance company. The claim and payout come from that person’s bodily injury liability coverage.

Under Florida’s no-fault statute, all parties involved in a crash first make injury claims to their own PIP coverage and payouts are capped at 80% of the bills. (More on that below). 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.

  • Bone fracture.

  • Permanent limitation of a body organ or member.

  • Significant limitation of a body function or system.

  • Substantially full disability for 90 days.

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.

Insurance companies don’t just absorb those costs. As in many states that require personal injury protection coverage, drivers in Florida tend to pay more for car insurance, on average, compared with those in non-PIP states.

How PIP works in Florida

Drivers in Florida are required to carry at least $10,000 of PIP, which is also called Florida no-fault insurance.

In addition to medical bills, no-fault insurance in Florida can also pay:

  • Lost wages if crash-related injuries force you to miss work.

  • The cost of hiring in-home care if you need help due to injuries.

  • The cost of equipment you need while recovering, such as a wheelchair.

  • Funeral costs.

PIP fraud can be common in no-fault states, including Florida, where staged accidents and unscrupulous medical providers can drive up the cost of insurance, specifically PIP. Because of this, a no-fault insurance law was enacted in 2015. It requires people injured in a crash to see a medical professional within 14 days of the incident to make a PIP claim. It also limits payouts to 80% of “reasonable” medical expenses as outlined in the statute.

Note that PIP will also cover your passengers’ injuries, but it doesn’t cover damage to your car. You go through the at-fault driver’s insurance for vehicle repairs or through your own collision coverage if you were responsible.

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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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.

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