Best Cheap Car Insurance in Florida for 2017

Auto Insurance, Insurance

If you’re looking for cheap car insurance in Florida, comparison shopping is key. Rates for the same coverage options differ from one company to the next, and are based on personal factors such as your age, driving record and credit history.

To help simplify things, NerdWallet researched rates from the seven largest insurers in Florida and found the cheapest choices for a variety of driver types and locations.

Cheapest car insurance statewide

Cheapest Florida car insurance in 3 largest cities

Frequently asked questions

What are the minimum car insurance requirements in Florida?
What are the options for high-risk drivers?
What is no-fault car insurance?

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.


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price

  • $1,856/year

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price

  • $2,000/year

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price

  • $2,764/year

State Farm had the cheapest rates for good drivers in our test, $1,856 per year, or about $155 per month. Geico and Esurance were next cheapest, respectively, although prices increased sharply with the latter. Safe motorists in Florida should look for discounts, such as those for avoiding accidents and moving violations, to trim costs.

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Cheapest for young drivers

For drivers in their early 20s.


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price

  • $1,244/year

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price

  • $1,359/year

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price

  • $1,844/year

Drivers in their early 20s tend to have fewer assets to protect from crash-related lawsuits than older motorists. That means they can often get by with leaner coverage and score relatively cheap car insurance in Florida.

Geico was the cheapest for this group, with an average quote of $1,244 per year. This was more than $600 less than the best deal we found for 30-year-old good drivers who carry more coverage.

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Cheapest for drivers with one at-fault crash


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price

  • $2,165/year

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price

  • $2,883/year

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price

  • $4,103/year

Your rates will often go up at renewal time after you cause a crash.

State Farm notched the best deal for this group at $2,165 per year. That’s roughly $26 a month higher than the lowest rate we found for drivers of the same age with no crashes. Overall, the priciest quote we found was over $5,000, so it’s vital for drivers with blemished records to shop around to avoid an even bigger hit to their wallets.

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Cheapest for drivers with poor credit

For drivers placed in the lowest credit tier as determined by the industry.


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price

  • $2,000/year

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price

  • $3,161/year

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price

  • $3,278/year

Insurers often use a credit-based insurance score to help predict whether you’ll file claims and can charge higher prices if you have poor credit. Geico was a notable exception in our results, however. The company returned an identical average quote of $2,000 for 30-year-old drivers whether they had credit problems or not.

Not all insurers are that forgiving. For example, State Farm had an average rate of $3,161 for this group — $1,305 higher than its rate for motorists who have good credit. Because prices can vary greatly among companies, it’s smart to compare as many quotes as possible even if you have poor credit.

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Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting.


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price

  • $1,443/year

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price

  • $1,525/year

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price

  • $2,865/year

Retired drivers typically travel fewer miles annually than their commuting counterparts, and they can find relatively cheap car insurance in Florida as a result.

We gathered rates for motorists in their 60s who drive half as much as other groups. State Farm paced the field with an average rate of $1,443 per year. That’s more than $400 cheaper than the lowest price we found for drivers half that age who commute. Motorists age 55 or older (in some cases 50 or older) also stand to earn a discount on their rates by completing a state-approved motor vehicle accident prevention course.

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Cheapest for drivers with a military connection


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Get a quote USAA is available only to active military members, veterans and their families.

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are you’ll get a very good rate with USAA, an option that isn’t available to the general public. USAA was by far the cheapest option for every driver type above. USAA customers also benefit from the insurer’s top-rated customer service.

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Cheapest auto insurance in Jacksonville

We found rates for Jacksonville motorists with no accidents or violations.

The two lowest quotes we found — $1,122 per year from Geico and $1,652 per year from State Farm — were less expensive, respectively, than the two cheapest rates for good drivers statewide. Liberty Mutual came in third for Jacksonville residents with an average price tag of $2,048 per year.


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Cheapest auto insurance in Miami

The lowest average quote we found for Miami residents with clean driving records was $1,357 per year from Geico. This was nearly $500 less than the cheapest option we found for good drivers statewide. State Farm came in second, but its annual rates were more than $1,700 higher than Geico’s.


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Cheapest auto insurance in Tampa

Geico offered the most affordable rates for accident- and violation-free Tampa drivers at $1,483 per year. That’s the highest starting rate we found among Florida’s three largest cities.

State Farm was the next cheapest option with rates well above Geico’s. Liberty Mutual rounded out the top three cheapest companies with an average rate of $2,980 per year. Drivers with clean records can often reduce their car insurance rates with discounts, so it’s smart to compare what safe-driving perks companies offer before deciding on an insurer.


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Minimum car insurance requirements in Florida

Floridians must carry property damage liability and personal injury protection in the following amounts:

  • $10,000 property damage liability per accident.
  • $10,000 PIP.

If 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.

Experts recommend buying more than the bare minimum when it comes to all parts of your auto liability insurance. You might also 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 coverages you might want on your Florida auto policy.

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High-risk auto insurance in Florida

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 quote comparison tool.

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No-fault insurance in Florida

Florida is one of several states that has a no-fault car insurance system.

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. But under no-fault insurance, all parties involved in a crash first make injury claims to their own insurers, no matter who caused the incident.

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

PIP 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 special equipment you need while recovering, such as a wheelchair.
  • Funeral costs.

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.

If you cause serious injuries, you can still be sued. That’s why it’s a good idea to also buy liability coverage for injuries if you live in Florida.

» MORE: PIP coverage in no-fault states

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Here’s a summary of where you’ll find the cheapest insurance, by category:

 

Alex Glenn is a staff writer for NerdWallet, a personal finance website. Email: aglenn@nerdwallet.com.

Updated Feb. 6, 2017.


METHODOLOGY

For most categories, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per crash.
  • $50,000 property damage liability coverage per crash.
  • $100,000 uninsured motorist bodily injury coverage per person.
  • $300,000 uninsured motorist bodily injury coverage per crash.
  • $10,000 personal injury protection.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

We used a 2013 Toyota Camry in all cases. Our sample retired driver was age 67 and drove 50% fewer annual miles than other groups. Our sample young driver was age 22 and carried the minimum required coverage.

To test individual cities, we averaged rates across every ZIP code in each location. We tested 30-year-old drivers with no accidents or violations, and carrying the same coverage limits as above. These are sample rates generated through Quadrant Information Services. Your own rates will be different.