Fact CheckedThe cheapest car insurance in Florida, at a glance
Coverage type
Full coverage | State Farm, $175 per month
Minimum coverage | GEICO, $30 per month
Driving record
Speeding ticket | GEICO, $187 per month
At-fault accident | State Farm, $226 per month
DUI | State Farm, $259 per month
Driver age
Young drivers | UAIC, $362 per month
Millennial drivers | State Farm, $178 per month
Gen X drivers | State Farm, $166 per month
Senior drivers | State Farm, $162 per month
Credit-based insurance score
Good credit | State Farm, $175 per month
Poor credit | UAIC, $222 per month
These are median rates from NerdWallet's March 2026 analysis, but your rate will vary based on your personal information, location and insurance provider. Not all companies offer policies in every state.
NerdWallet analyzed rates from 10 car insurance companies across all of Florida’s ZIP codes to find the cheapest auto insurance for drivers with multiple ages, driving records and credit histories.
For more detailed information about how we found the cheapest car insurance companies, please read our full methodology at the bottom of this page.
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
You can trust the prices we show because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in a 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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Cheapest car insurance in Florida for full coverage
State Farm has the cheapest car insurance in Florida for full coverage, with an average rate of $175 per month or $2,101 per year.
A full coverage car insurance policy helps pay for most types of damage to your own car, including damage from the weather and thefts. You will probably need to carry full coverage if you have a car loan or lease, but you could drop some of your coverage and lower your rates once you’ve paid off your car.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $2,101 | $175 |
| GEICO | $2,242 | $187 |
| Travelers | $2,361 | $197 |
| UAIC | $2,665 | $222 |
| Nationwide | $3,574 | $298 |
Rates refreshed March 2026.
What can you do about rising car insurance costs in Florida?
For years, car insurance rates in Florida have been getting more expensive for nearly everyone. These tips could help you find cheap car insurance rates, even as prices in the state remain high for most people:
Compare car insurance quotes from a few companies before buying a policy.
Shop around for coverage before you renew the policy you have.
Increase your policy’s deductibles and commit to paying a larger part of a future claim.
Drop your full coverage if you own an older car that you could afford to replace on your own.
Consider trying usage-based insurance where your rates are based on your driving habits.
» MORE: How to get cheaper car insurance
Cheapest car insurance in Florida for minimum coverage
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 the least amount of car insurance of any state. After an accident, a policy in Florida with a minimum amount of insurance coverage helps to pay for your own medical expenses and the damage that you do to someone else’s property.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $358 | $30 |
| State Farm | $429 | $36 |
| Travelers | $611 | $51 |
| Mercury | $650 | $54 |
| Nationwide | $853 | $71 |
Rates refreshed March 2026.
Minimum coverage in Florida isn't enough for many drivers.
Most states require too little coverage for serious accidents, but Florida’s especially low requirements (and its large number of uninsured drivers) could leave you paying a lot out of pocket after even a minor crash.
If you can afford it, consider a policy that has higher amounts of property damage liability coverage than what’s required. Also consider adding bodily injury liability coverage for injuries you cause others, and coverage that pays for damage caused by uninsured drivers.
Andrew Hurst, Licensed Auto Insurance Professional
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.
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.
Best and cheapest car insurance companies in Florida
It’s possible to find relatively cheap car insurance from a company in Florida that offers high-quality service and reliable coverage.
NerdWallet’s editors awarded each of these companies in Florida a rating of at least 4.5 stars out of 5 for customer service, financial stability, online experience and discount offerings.
GEICO: (5.0 NerdWallet rating): $2,242 per year, $187 per month.
Travelers: (4.9 NerdWallet rating): $2,361 per year, $197 per month.
Nationwide: (4.8 NerdWallet rating): $3,574 per year, $298 per month.
Progressive: (4.8 NerdWallet rating): $6,518 per year, $543 per month.
State Farm: (4.8 NerdWallet rating): $2,101 per year, $175 per month.
Direct Auto: (4.6 NerdWallet rating): $6,129 per year, $511 per month.
Mercury: (4.5 NerdWallet rating): $5,215 per year, $435 per month.
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.
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 $2,829 After a DUI State Farm $4,349 After an accident State Farm $3,745 After a speeding ticket GEICO $3,030 Having poor credit UAIC $3,699 Rates refreshed March 2026.
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 March 2026.
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 March 2026.
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 $2,111 After a DUI State Farm $3,244 After an accident State Farm $2,819 After a speeding ticket GEICO $2,111 Having poor credit UAIC $3,327 Rates refreshed March 2026.
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 $2,731 After a DUI State Farm $4,065 After an accident State Farm $3,563 After a speeding ticket GEICO $2,731 Having poor credit UAIC $2,879 Rates refreshed March 2026.
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 $2,783 After a DUI State Farm $4,211 After an accident State Farm $3,645 After a speeding ticket GEICO $2,892 Having poor credit UAIC $4,053 Rates refreshed March 2026.
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 March 2026 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.
UAIC has the cheapest car insurance for young drivers in Florida, with an average rate of $362 per month or $4,339 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 $4,339 $362 GEICO $4,563 $380 State Farm $5,009 $417 Travelers $6,865 $572 Nationwide $7,159 $597 Company Median annual rate Median monthly rate GEICO $669 $56 Mercury $1,043 $87 State Farm $1,192 $99 Travelers $1,293 $108 Nationwide $1,577 $131 These are median rates for 20-year-old drivers who get their own standalone policy, according to our March 2026 analysis. A driver who’s added to an existing policy may pay cheaper rates.
State Farm has the cheapest car insurance for millennials in Florida, with an average rate of $178 per month or $2,134 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 $2,134 $178 Travelers $2,362 $197 GEICO $2,365 $197 UAIC $2,693 $224 Nationwide $3,577 $298 Company Median annual rate Median monthly rate GEICO $386 $32 State Farm $440 $37 Travelers $576 $48 Mercury $645 $54 Nationwide $857 $71 These are median rates for 30-year-old drivers, according to our March 2026 analysis
State Farm has the cheapest car insurance for Gen X drivers in Florida, with an average rate of $166 per month or $1,992 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 $1,992 $166 Travelers $2,025 $169 GEICO $2,270 $189 UAIC $2,455 $205 Nationwide $3,332 $278 Company Median annual rate Median monthly rate GEICO $332 $28 State Farm $400 $33 Mercury $511 $43 Travelers $513 $43 Nationwide $805 $67 These are median rates for 50-year-old drivers, according to our March 2026 analysis.
State Farm has the cheapest car insurance for senior drivers in Florida, with an average rate of $162 per month or $1,942 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 $1,942 $162 GEICO $1,979 $165 Travelers $2,207 $184 UAIC $2,431 $203 Nationwide $3,603 $300 Company Median annual rate Median monthly rate GEICO $292 $24 State Farm $378 $31 Mercury $493 $41 Travelers $532 $44 Nationwide $833 $69 These are median rates for 70-year-old drivers, according to our March 2026 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.
GEICO has the cheapest car insurance in Florida after a speeding ticket, with an average rate of $187 per month or $2,242 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 might find cheaper coverage with another insurance company.
Company Median annual rate Median monthly rate GEICO $2,242 $187 State Farm $2,372 $198 Travelers $3,089 $257 UAIC $3,451 $288 Nationwide $4,817 $401 Company Median annual rate Median monthly rate GEICO $358 $30 State Farm $537 $45 Travelers $803 $67 Mercury $831 $69 Nationwide $1,211 $101 Rates refreshed March 2026.
State Farm has the cheapest car insurance in Florida after an at-fault accident, with an average rate of $226 per month or $2,717 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 $2,717 $226 GEICO $3,048 $254 Travelers $3,236 $270 UAIC $3,475 $290 Nationwide $5,180 $432 Company Median annual rate Median monthly rate GEICO $518 $43 State Farm $649 $54 Travelers $853 $71 Mercury $925 $77 Nationwide $1,312 $109 Rates refreshed March 2026.
State Farm has the cheapest car insurance in Florida after a DUI, with an average rate of $259 per month or $3,114 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 $4,069 per year for car insurance, that same person could pay $6,386 after a DUI.
Company Median annual rate Median monthly rate State Farm $3,114 $259 GEICO $3,678 $307 Travelers $3,956 $330 UAIC $4,687 $391 Mercury $6,618 $551 Company Median annual rate Median monthly rate GEICO $658 $55 State Farm $783 $65 Mercury $913 $76 Travelers $1,025 $85 Direct Auto $1,265 $105 Rates refreshed March 2026.
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.
UAIC has the cheapest car insurance in Florida for drivers with poor credit, with an average rate of $222 per month or $2,665 per year for full coverage.
Company Median annual rate Median monthly rate UAIC $2,665 $222 GEICO $3,991 $333 Travelers $4,698 $392 Nationwide $5,262 $439 Direct Auto $6,131 $511 Company Median annual rate Median monthly rate GEICO $691 $58 Direct Auto $1,144 $95 Mercury $1,159 $97 Nationwide $1,330 $111 UAIC $1,473 $123 Rates refreshed March 2026.
State Farm has the cheapest car insurance in Florida for drivers with good credit, with an average rate of $175 per month or $2,101 per year for full coverage.
Company Median annual rate Median monthly rate State Farm $2,101 $175 GEICO $2,242 $187 Travelers $2,361 $197 UAIC $2,665 $222 Nationwide $3,574 $298 Company Median annual rate Median monthly rate GEICO $358 $30 State Farm $429 $36 Travelers $611 $51 Mercury $650 $54 Nationwide $853 $71 Rates refreshed March 2026.
Cheapest car insurance in Florida for military families
USAA offers auto insurance to active military, veterans, certain federal employees and their families only.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
More than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
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.
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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.
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.Insurance Information Institute. Facts + Statistics: Uninsured motorists. Accessed Mar 20, 2026.
- 2.Florida Department of Highway Safety and Motor Vehicles. Florida Insurance Requirements. Accessed Mar 20, 2026.
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.
2023 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.
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.
