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Best Cheap Car Insurance in Florida for 2018

Jan. 2, 2018
Auto Insurance, Insurance
NerdWallet adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. Here’s how we make money.
We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

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 these driver groups:

Also in this article

Minimum car insurance requirements in Florida
Alternative car insurance in Florida
What is no-fault car insurance?
Who’s the cheapest carrier for you?

Cheapest for good drivers

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


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Price

  • $1,290/year

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Price

  • $1,990/year

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price

  • $2,565/year

Geico had the cheapest rates for good drivers in our test, $1,290 per year, or about $108 per month. State Farm and Liberty Mutual were next cheapest, at $166 and $214 per month, respectively, highlighting the importance of shopping for the best quote even if you’re a safe driver.

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

  • $718/year

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Price

  • $1,449/year

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Price

  • $1,715

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 $718 per year, or $60 per month. State Farm and Liberty Mutual round out the best three rates for young Floridians.

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Cheapest for drivers with one at-fault crash


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Price

  • $1,777

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Price

  • $2,321/year

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Price

  • $3,151/year

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

Geico notched the best deal for this group at $1,777 per year. That’s roughly $40 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 $5,500, 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

  • $2,572/year

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Price

  • $3,386/year

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Price

  • $3,777/year

Insurers often use a credit-based insurance score to help predict whether you’ll file claims, and they can charge higher prices in Florida if you have poor credit. Geico had the lowest rate by far in our analysis at $2,572 per year, which is $814 lower than the runner-up, State Farm. Liberty Mutual rounds out the top three in this group.

Geico’s rate for this group is $1,282 per year higher than its rate for motorists who have good credit. If you improve your credit by making on-time payments and keeping credit balances low, shop again for better car insurance prices.

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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

  • $1,015/year

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Price

  • $1,566/year

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Price

  • $2,401/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. Geico paced the field with an average rate of $1,015 per year. 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 category above, except drivers with poor credit. The insurer also has had historically top-rated customer service.

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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

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 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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Alternative 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 personal injury protection, 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 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:

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 2014 Toyota Camry in all cases. Our sample retired driver was age 67 and drove 50% fewer miles annually than other groups. Our sample young driver was age 22 and carried the minimum required coverage.


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