The Cheapest Car Insurance in Florida for February 2024

Geico has the cheapest car insurance in Florida, with an average annual rate of $1,710 for full coverage.
Ryan Brady
By Ryan Brady 
Updated
Edited by Ben Moore

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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, according to NerdWallet’s analysis.

The state’s high insurance costs are due to a variety of factors. Florida is not only a magnet for hurricanes and crash-related lawsuits, but it also has more traffic fatalities

The Insurance Institute for Highway Safety. Fatality Facts 2021. Accessed Jan 11, 2024.
and uninsured drivers than most states. Florida’s roadways also continue to fill with new residents and tourists.

🤓Nerdy Tip

Did your rates go up? Car insurance rates are on the rise in Florida. Be sure to get quotes from three or more companies to get the lowest rate you can.

But all hope is not lost. Read on to find the cheapest car insurance in Florida by age, driving history and more. If you’re looking for the best auto coverage, check out our list of the best car insurance in Florida.

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

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 2021 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.

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.

Cheap car insurance in Florida

Auto insurance is an important purchase, but finding cheap car insurance in Florida can feel like trying to find cheap Disney World annual passes. The best way to find cheap car insurance is to compare rates from multiple insurers.

Use the table below to find the cheapest car insurance rates in Florida based on your age for both full and minimum coverage, plus credit and driving history.

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 premiums 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. Geico: $3,701 per year, or about $308 per month.
  2. State Farm: $5,112 per year, or about $426 per month.
  3. Nationwide: $5,480 per year, or about $457 per month.
  4. Travelers: $6,251 per year, or about $521 per month.
  5. AIG: $6,408 per year, or about $534 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: $629 per year, or about $52 per month.
  2. Travelers: $1,074 per year, or about $89 per month.
  3. Nationwide: $1,100 per year, or about $92 per month.
  4. State Farm: $1,203 per year, or about $100 per month.
  5. Direct Auto: $1,692 per year, or about $141 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. Geico: $1,231 per year, or about $103 per month.
  2. Travelers: $1,679 per year, or about $140 per month.
  3. Direct Auto: $1,692 per year, or about $141 per month.
  4. Nationwide: $1,708 per year, or about $142 per month.
  5. AIG: $1,994 per year, or about $166 per month.

Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket

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

  1. Geico: $725 per year, or about $60 per month.
  2. Travelers: $1,259 per year, or about $105 per month.
  3. Nationwide: $1,433 per year, or about $119 per month.
  4. State Farm: $1,490 per year, or about $124 per month.
  5. Direct Auto: $2,086 per year, or about $174 per month.

Cheapest auto insurance in Florida for 20-year-olds 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: $646 per year, or about $54 per month.
  2. Travelers: $1,337 per year, or about $111 per month.
  3. Nationwide: $1,338 per year, or about $112 per month.
  4. State Farm: $1,813 per year, or about $151 per month.
  5. Direct Auto: $1,974 per year, or about $165 per month.

Cheapest auto insurance in Florida for 20-year-olds 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: $975 per year, or about $81 per month.
  2. Travelers: $1,606 per year, or about $134 per month.
  3. Direct Auto: $1,813 per year, or about $151 per month.
  4. Nationwide: $1,923 per year, or about $160 per month.
  5. AIG: $1,997 per year, or about $166 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers enjoy cheaper car insurance premiums 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 prices 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. Geico: $1,825 per year, or about $152 per month.
  2. State Farm: $2,181 per year, or about $182 per month.
  3. Travelers: $2,220 per year, or about $185 per month.
  4. Nationwide: $2,838 per year, or about $237 per month.
  5. Progressive: $3,840 per year, or about $320 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: $345 per year, or about $29 per month.
  2. State Farm: $437 per year, or about $36 per month.
  3. Travelers: $474 per year, or about $40 per month.
  4. Nationwide: $607 per year, or about $51 per month.
  5. Direct Auto: $1,104 per year, or about $92 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. Geico: $3,348 per year, or about $279 per month.
  2. Nationwide: $4,168 per year, or about $347 per month.
  3. AIG: $4,391 per year, or about $366 per month.
  4. Travelers: $4,445 per year, or about $370 per month.
  5. Direct Auto: $5,537 per year, or about $461 per month.

Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket

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

  1. State Farm: $545 per year, or about $45 per month.
  2. Geico: $550 per year, or about $46 per month.
  3. Travelers: $622 per year, or about $52 per month.
  4. Nationwide: $850 per year, or about $71 per month.
  5. Direct Auto: $1,334 per year, or about $111 per month.

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

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

  1. Geico: $2,406 per year, or about $201 per month.
  2. State Farm: $2,806 per year, or about $234 per month.
  3. Travelers: $2,998 per year, or about $250 per month.
  4. Nationwide: $4,020 per year, or about $335 per month.
  5. Progressive: $5,590 per year, or about $466 per month.

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

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

  1. Geico: $3,009 per year, or about $251 per month.
  2. State Farm: $3,218 per year, or about $268 per month.
  3. Travelers: $3,640 per year, or about $303 per month.
  4. Progressive: $4,328 per year, or about $361 per month.
  5. AIG: $4,651 per year, or about $388 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 premiums. 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. Geico: $1,725 per year, or about $144 per month.
  2. Travelers: $2,098 per year, or about $175 per month.
  3. State Farm: $2,119 per year, or about $177 per month.
  4. Nationwide: $2,800 per year, or about $233 per month.
  5. Progressive: $3,713 per year, or about $309 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: $320 per year, or about $27 per month.
  2. State Farm: $420 per year, or about $35 per month.
  3. Travelers: $489 per year, or about $41 per month.
  4. Nationwide: $600 per year, or about $50 per month.
  5. Direct Auto: $1,029 per year, or about $86 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. Geico: $3,094 per year, or about $258 per month.
  2. Nationwide: $4,125 per year, or about $344 per month.
  3. AIG: $4,184 per year, or about $349 per month.
  4. Travelers: $4,197 per year, or about $350 per month.
  5. Direct Auto: $4,959 per year, or about $413 per month.

Cheapest auto insurance in Florida for 40-year-olds with one speeding ticket

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

  1. State Farm: $525 per year, or about $44 per month.
  2. Geico: $551 per year, or about $46 per month.
  3. Travelers: $655 per year, or about $55 per month.
  4. Nationwide: $842 per year, or about $70 per month.
  5. Direct Auto: $1,237 per year, or about $103 per month.

Cheapest auto insurance in Florida for 40-year-olds 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. Geico: $2,374 per year, or about $198 per month.
  2. State Farm: $2,729 per year, or about $227 per month.
  3. Travelers: $2,933 per year, or about $244 per month.
  4. Nationwide: $3,979 per year, or about $332 per month.
  5. Progressive: $5,435 per year, or about $453 per month.

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

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

  1. Geico: $2,896 per year, or about $241 per month.
  2. State Farm: $3,128 per year, or about $261 per month.
  3. Travelers: $3,589 per year, or about $299 per month.
  4. Progressive: $4,187 per year, or about $349 per month.
  5. AIG: $4,458 per year, or about $371 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 price. 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. Geico: $1,694 per year, or about $141 per month.
  2. Travelers: $1,905 per year, or about $159 per month.
  3. State Farm: $2,033 per year, or about $169 per month.
  4. Nationwide: $2,648 per year, or about $221 per month.
  5. Progressive: $3,470 per year, or about $289 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: $291 per year, or about $24 per month.
  2. State Farm: $397 per year, or about $33 per month.
  3. Travelers: $423 per year, or about $35 per month.
  4. Nationwide: $572 per year, or about $48 per month.
  5. Direct Auto: $965 per year, or about $80 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. Geico: $3,014 per year, or about $251 per month.
  2. Travelers: $3,879 per year, or about $323 per month.
  3. Nationwide: $3,901 per year, or about $325 per month.
  4. AIG: $4,246 per year, or about $354 per month.
  5. Direct Auto: $4,791 per year, or about $399 per month.

Cheapest auto insurance in Florida for 50-year-olds with one speeding ticket

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

  1. State Farm: $496 per year, or about $41 per month.
  2. Geico: $509 per year, or about $42 per month.
  3. Travelers: $576 per year, or about $48 per month.
  4. Nationwide: $813 per year, or about $68 per month.
  5. Direct Auto: $1,180 per year, or about $98 per month.

Cheapest auto insurance in Florida for 50-year-olds 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. Geico: $2,332 per year, or about $194 per month.
  2. State Farm: $2,620 per year, or about $218 per month.
  3. Travelers: $2,682 per year, or about $223 per month.
  4. Nationwide: $3,818 per year, or about $318 per month.
  5. Progressive: $5,278 per year, or about $440 per month.

Cheapest auto insurance in Florida for 50-year-olds 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: $2,854 per year, or about $238 per month.
  2. State Farm: $3,000 per year, or about $250 per month.
  3. Travelers: $3,239 per year, or about $270 per month.
  4. Progressive: $3,921 per year, or about $327 per month.
  5. AIG: $4,516 per year, or about $376 per month.

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 price. 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. Geico: $1,569 per year, or about $131 per month.
  2. Travelers: $1,848 per year, or about $154 per month.
  3. State Farm: $1,917 per year, or about $160 per month.
  4. Nationwide: $2,404 per year, or about $200 per month.
  5. Progressive: $3,350 per year, or about $279 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: $269 per year, or about $22 per month.
  2. State Farm: $368 per year, or about $31 per month.
  3. Travelers: $404 per year, or about $34 per month.
  4. Nationwide: $520 per year, or about $43 per month.
  5. Direct Auto: $940 per year, or about $78 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. Geico: $2,789 per year, or about $232 per month.
  2. Nationwide: $3,560 per year, or about $297 per month.
  3. Travelers: $3,748 per year, or about $312 per month.
  4. AIG: $3,840 per year, or about $320 per month.
  5. Direct Auto: $4,692 per year, or about $391 per month.

Cheapest auto insurance in Florida for 60-year-olds with one speeding ticket

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

  1. State Farm: $459 per year, or about $38 per month.
  2. Geico: $468 per year, or about $39 per month.
  3. Travelers: $563 per year, or about $47 per month.
  4. Nationwide: $752 per year, or about $63 per month.
  5. Direct Auto: $1,148 per year, or about $96 per month.

Cheapest auto insurance in Florida for 60-year-olds 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. Geico: $2,177 per year, or about $181 per month.
  2. State Farm: $2,467 per year, or about $206 per month.
  3. Travelers: $2,704 per year, or about $225 per month.
  4. Nationwide: $3,542 per year, or about $295 per month.
  5. Progressive: $5,175 per year, or about $431 per month.

Cheapest auto insurance in Florida for 60-year-olds 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: $2,683 per year, or about $224 per month.
  2. State Farm: $2,819 per year, or about $235 per month.
  3. Travelers: $3,222 per year, or about $269 per month.
  4. Progressive: $3,798 per year, or about $317 per month.
  5. AIG: $4,140 per year, or about $345 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. 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.

Cheapest full coverage car insurance in Florida for 70-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. Geico: $1,514 per year, or about $126 per month.
  2. State Farm: $1,978 per year, or about $165 per month.
  3. Travelers: $2,050 per year, or about $171 per month.
  4. Nationwide: $2,849 per year, or about $237 per month.
  5. Allstate: $3,554 per year, or about $296 per month.

Cheapest minimum coverage car insurance in Florida for 70-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: $268 per year, or about $22 per month.
  2. State Farm: $377 per year, or about $31 per month.
  3. Travelers: $443 per year, or about $37 per month.
  4. Nationwide: $594 per year, or about $50 per month.
  5. Direct Auto: $955 per year, or about $80 per month.

Cheapest auto insurance in Florida for 70-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. Geico: $2,739 per year, or about $228 per month.
  2. Travelers: $4,159 per year, or about $347 per month.
  3. Nationwide: $4,180 per year, or about $348 per month.
  4. AIG: $4,191 per year, or about $349 per month.
  5. Direct Auto: $5,011 per year, or about $418 per month.

Cheapest auto insurance in Florida for 70-year-olds with one speeding ticket

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

  1. State Farm: $469 per year, or about $39 per month.
  2. Geico: $481 per year, or about $40 per month.
  3. Travelers: $651 per year, or about $54 per month.
  4. Nationwide: $826 per year, or about $69 per month.
  5. Direct Auto: $1,270 per year, or about $106 per month.

Cheapest auto insurance in Florida for 70-year-olds 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. Geico: $2,177 per year, or about $181 per month.
  2. State Farm: $2,568 per year, or about $214 per month.
  3. Travelers: $3,088 per year, or about $257 per month.
  4. Nationwide: $4,003 per year, or about $334 per month.
  5. Progressive: $5,584 per year, or about $465 per month.

Cheapest auto insurance in Florida for 70-year-olds 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: $2,725 per year, or about $227 per month.
  2. State Farm: $2,943 per year, or about $245 per month.
  3. Travelers: $3,799 per year, or about $317 per month.
  4. Progressive: $4,187 per year, or about $349 per month.
  5. AIG: $4,464 per year, or about $372 per month.

How to get cheap car insurance in Florida

No matter how old you are or what your driving history is, 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.

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 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 Ian 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.

🤓Nerdy Tip

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.

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 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.

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.

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 Florida 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.

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 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-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.

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