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Best Cheap Car Insurance in Florida for 2020

Jan. 2, 2020
Auto Insurance, Insurance
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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 eight largest insurers in Florida and found the cheapest choices for several driver groups. We also have information on SR-22s and FR-44s in Florida, minimum coverage requirements, and no-fault laws in the Sunshine State.

Cheapest for good drivers in Florida

For Floridians with good credit and clean driving histories, here are the cheapest insurance companies we found and their average rates:

  1. State Farm: $1,772 per year.
  2. Geico: $2,205 per year.
  3. MetLife: $2,301 per year.
  4. Direct Auto: $2,528 per year.
  5. Allstate: $2,818 per year.
Drivers with no recent accidents or violations can get cheaper car insurance rates for having good credit. For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. In terms of driving and credit history, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including comprehensive and collision, along with state-required coverage. Prices shown include a good driver discount, when available from the insurer.

Cheapest for minimum coverage in Florida

If you’re looking for minimum-required coverage, check out these companies, ranked by average insurance rate:

  1. State Farm: $905 per year.
  2. Geico: $937 per year.
  3. Direct Auto: $1,096 per year.
  4. Allstate: $1,200 per year.
  5. MetLife: $1,253 per year.
We calculated these numbers by averaging rates for 40-year-old good drivers (earning them a discount if the insurer offers one) who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more. If you're looking for the cheapest possible insurance you can get, though, you'll still want to get quotes from at least three auto insurers.

Cheapest for good drivers with poor credit

Drivers in Florida with poor credit — but clean driving histories — might want to check into these insurers, ranked by average rate.

  1. Direct Auto: $2,528 per year.
  2. United Auto: $3,226 per year.
  3. State Farm: $3,283 per year.
  4. Geico: $3,950 per year.
  5. Allstate: $5,252 per year.
If you have a spotty credit history, it's important to shop around to find the cheapest auto insurance rates you can. Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent at-fault crash, but prices vary by insurer. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record and associated good driver discount, if the insurer offered one. They had poor credit as reported to their insurer, and standard "full coverage" car insurance.

Cheapest for drivers with one at-fault crash

The following car insurance companies (ranked by average rate) were cheapest in our analysis for Florida drivers with a recent at-fault accident on their records.

  1. State Farm: $2,059 per year.
  2. Geico: $2,833 per year.
  3. MetLife: $3,258 per year.
  4. Direct Auto: $3,438 per year.
  5. Allstate: $3,994 per year.
After a relatively minor crash, some auto insurers will charge a lot more than others for coverage. To get these figures, we averaged rates for 40-year-olds with typical "full coverage" insurance and one recent at-fault crash costing $10,000 in property damage. Your rates will remain high for three to five years after you cause an accident or have a moving violation — and you still may be rejected for coverage from certain companies, including those above. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest insurance after a DUI in Florida

These auto insurers had the lowest average rates for drivers with a recent DUI on their records:

  1. State Farm: $1,915 per year.
  2. Direct Auto: $2,649 per year.
  3. Allstate: $3,605 per year.
  4. Geico: $3,881 per year.
  5. Progressive: $4,288 per year.
A conviction for driving under the influence, or DUI, generally results in higher auto insurance premiums than before. NerdWallet analyzed rates for 40-year-old drivers and standard “full coverage” car insurance with a recent DUI conviction to see which companies were cheapest. Be warned that you may be rejected for coverage, including from the companies listed above. Rates can vary by hundreds between carriers after a DUI, and some penalize for longer than others, so it’s important to shop around for the best available price right after you see a price hike and each year after that.

Cheapest insurance after a ticket in Florida

The following companies had the cheapest average rates for car insurance after a speeding ticket:

  1. State Farm: $1,915 per year.
  2. MetLife: $2,733 per year.
  3. Allstate: $2,818 per year.
  4. Geico: $2,966 per year.
  5. Direct Auto: $3,172 per year.
Getting a speeding ticket will result in higher car insurance rates from most companies for three to five years. To see who has the cheapest rates, we calculated average car insurance rates for 40-year-old drivers with “full coverage” insurance and a recent ticket for speeding 16 mph over the limit. Though these larger companies were the cheapest we found on average, others may be cheaper for you, so be sure to get at least three quotes before deciding on a carrier.

Cheapest for couples and families in Florida

In addition to analyzing car insurance rates for singles in the Sunshine State, NerdWallet also obtained rates for families of two and three drivers. Since discounts and rates vary by insurer and companies figure personal factors into rates differently, it’s no surprise the cheapest companies don’t stay the same. For this reason, be sure and shop around for car insurance quotes any time there’s a big change in your life, such as moving, getting married or adding a teen driver to your policy — the cheapest insurer before may not be the cheapest after.

Cheapest for a married couple in Florida

For married couples in Florida with good credit and clean driving records, here are the cheapest companies we found, ranked by average rate:

  1. MetLife: $2,382 per year.
  2. State Farm: $2,730 per year.
  3. Geico: $3,052 per year.
  4. Direct Auto: $3,245 per year.
  5. Allstate: $3,347 per year.
Couples who live together can save on auto insurance by combining policies, whether they are married or not, because they can earn multi-car and multi-driver discounts. Once they tie the knot, rates can dip further, but not because of discounts — insurers see married people as less risky and so charge them lower rates. Our hypothetical 50-year-old couple’s clean driving record also earns them both a good driver discount.

Cheapest for families with a teen in Florida

For couples with a teen on their policy, here are the lowest average car insurance rates we found:

  1. Geico: $4,489 per year.
  2. State Farm: $4,591 per year.
  3. MetLife: $5,020 per year.
  4. Allstate: $5,318 per year.
  5. Progressive: $6,270 per year.
Adding a teen with two years’ driving experience to a married couple's policy is sure to cause a big jump in rates. Since different insurers tend to see a teen’s inexperience in different ways, we analyzed rates to see which companies had the cheapest car insurance for teens. These rates are averaged for 50-year-old couples with male and female 18-year-old drivers.

Cheapest for young drivers in Florida

Drivers in their 20s face higher car insurance rates because they have less experience on the road, but each company considers age differently. That’s why the cheapest rates for young drivers may not be the same as the rates for more established drivers above. NerdWallet analyzed rates for 25-year-old drivers in Florida to see which companies came out cheapest.

Cheapest full coverage for young good drivers

For young drivers in Florida with clean records and good credit, here are the cheapest auto insurers we found, ranked by average rate for full coverage policies:

  1. State Farm: $2,010 per year.
  2. Geico: $2,496 per year.
  3. MetLife: $2,893 per year.
  4. Allstate: $2,932 per year.
  5. Direct Auto: $3,219 per year.
Drivers in their 20s can have a hard time finding cheap car insurance, and that's even truer when they need full coverage. The rates above are averages for 25-year-old male and female drivers with comprehensive and collision coverages, which are often required for drivers with active auto loans or leases. These rates reflect a good driver discount. Young drivers, like all drivers, should check several quotes to find the cheapest for the coverage levels they need.

Cheapest minimum coverage for young good drivers

For young drivers who wish to go with minimum coverage car insurance required in Florida, here are the cheapest companies and their average rates:

  1. State Farm: $1,014 per year.
  2. Geico: $1,033 per year.
  3. Allstate: $1,193 per year.
  4. Direct Auto: $1,301 per year.
  5. MetLife: $1,502 per year.
Since young people often have fewer assets to protect with liability insurance, they can usually get away with lower coverage limits. For an age group with relatively high insurance rates on average, that's good news, keeping rates as low as possible. For this price set, we averaged rates for 25-year-old male and female drivers who have clean driving records, good credit and bare-bones insurance coverage.

Poor credit and minimum coverage

For young drivers with blemished credit in Florida, here are the cheapest average rates we found for minimum-required auto insurance coverage:

  1. Direct Auto: $1,301 per year.
  2. Geico: $1,967 per year.
  3. State Farm: $2,003 per year.
  4. Allstate: $2,275 per year.
  5. United Auto: $2,693 per year.
Poor credit is common for younger folks just starting out, who may still be building their credit files. That can increase rates further, so it's extra important to shop around and compare as many insurance quotes as possible to find the cheapest you can get. For these prices, we averaged rates for 25-year-old male and female drivers with no recent accidents or violations (earning them a good driver discount), minimum coverage car insurance, and credit in the "poor" tier as reported to an insurer.

Cheapest for minimum coverage after a crash

For young Floridians with a recent at-fault accident on their records, here are the cheapest average rates we found:

  1. State Farm: $1,202 per year.
  2. Geico: $1,323 per year.
  3. Allstate: $1,670 per year.
  4. Direct Auto: $1,779 per year.
  5. MetLife: $2,164 per year.
To get prices for this group, we averaged rates for 25-year-old male and female drivers with good credit and a recent at-fault crash costing $10,000 in property damage. Since car insurance is often pricier after a crash, and especially so for young drivers, we assumed minimum required insurance in the state to contain costs for our hypothetical driver. Depending on your situation, you may still be rejected for coverage, including from the companies listed above. If you've caused a crash, no matter your age, be sure to check auto insurance quotes just after the third and fifth anniversaries of your incident, when insurers often adjust rates downward.

Cheapest for minimum coverage after a DUI

For young drivers with a recent DUI, these are the cheapest insurance carriers we found, ranked by average rate for minimum required coverage in Florida:

  1. State Farm: $1,108 per year.
  2. Direct Auto: $1,313 per year.
  3. Allstate: $1,457 per year.
  4. Geico: $1,799 per year.
  5. Progressive: $2,352 per year.
Young drivers with a recent DUI on their records will need to be diligent to find the lowest car insurance rates they can get — it's likely that many companies' rates will be quite expensive. Depending on the circumstances, you may be rejected for coverage, including from the companies listed above. But spending the time to shop around for quotes can help you find the lowest price from a company available to you. For this analysis, we averaged rates for male and female 25-year-old drivers with a recent DUI conviction. They had good credit and minimum required car insurance, which helps keep rates down.

Cheapest for minimum coverage and a ticket

After a speeding ticket, young drivers in Florida may want to check out the following companies, which had the cheapest average rates for minimum coverage policies:

  1. State Farm: $1,108 per year.
  2. Allstate: $1,193 per year.
  3. Geico: $1,380 per year.
  4. Direct Auto: $1,640 per year.
  5. MetLife: $1,783 per year.
Getting a speeding ticket is never fun, and neither is the higher car insurance bill you may receive months later. At that point, it's time to shop around for better rates, and it wouldn't hurt to repeat on your third and fifth ticket anniversaries, when insurers may adjust rates downward. We analyzed rates for 25-year-old male and female drivers with a recent speeding violation for going 16 mph over the speed limit to see prices for this group.

Cheapest for military 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 public. USAA was the cheapest option for every category above in this year’s analysis. The insurer also has had historically top-rated customer service.

» MORE: Best car insurance for veterans and military

Recap: Cheapest car insurance in Florida

  • Good drivers: State Farm
  • Minimum coverage: State Farm
  • Poor credit: Direct Auto
  • After an at-fault crash: State Farm
  • After a DUI: State Farm
  • After a speeding ticket: State Farm
  • Married couples: MetLife
  • Families with a teen: Geico
  • Young good drivers: State Farm
  • Minimum coverage for young good drivers: State Farm
  • Minimum coverage for young drivers with poor credit: Direct Auto
  • Minimum coverage for young drivers after a crash: State Farm
  • Minimum coverage for young drivers after a DUI: State Farm
  • Minimum coverage for young drivers after a ticket: State Farm

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.

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 quote 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.

» MORE: PIP coverage in no-fault states

Methodology

For our “good driver” profile, NerdWallet averaged rates from the largest insurers in the state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes:

  • $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.
If required, minimum additional coverages were added and "good driver" discounts were automatically applied. Our “young driver” had all the same characteristics, but average rates were for 25-year-old men and women. We used a 2016 Toyota Camry LE for all single 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 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 costing $10,000 in property damage.
  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
  • For drivers with a DUI, we added a single drunken driving violation.
Couples in our analyses were 50-year-old men and women with good credit and clean driving histories, averaged across all ZIP codes with the same policy outlined above. To see rates for families with a teen, we added an 18-year-old licensed two years ago, averaging rates for male and female teens. For couples and families we added a 2016 Nissan Rogue S to create a two-car household.

In all cases, a paperless discount, e-signature discount and electronic funds transfer discount were automatically applied. These are rates provided by Quadrant Information Services. Your own rates will be different.