Fact CheckedKey takeaways
Travelers is the best car insurance company in Florida, according to our October 2025 analysis.
Auto-Owners, State Farm and USAA are also great options for Florida drivers.
State Farm is the cheapest of our top picks in the state, with an average monthly rate of $174 for full coverage insurance. It’s significantly less expensive than the state average of $334.
The best car insurance companies are financially strong and offer a wide range of coverage options and discounts. NerdWallet's editorial team evaluated 24 insurers to find the highest-rated companies in Florida.
Category winner | NerdWallet star rating |
|---|---|
Best overall: Travelers | |
Fewest complaints: Auto-Owners | |
Best user experience: State Farm | |
Best for military families: USAA* | |
*USAA is available only to members of the military, veterans and their families. | |
- How we found the best car insurance in Florida
NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies in Florida. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim.
As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies is likely to change. In our list of the best insurers in the state, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.
- Why you can trust NerdWallet
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 1.5 billion rates analyzed by our team of specialists.
More than 50 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in the 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.
See what you could save on car insurance
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Best car insurance company in Florida: Travelers
best overall pick
Travelers
- Received fewer customer complaints than expected.
- Lots of coverage options for auto insurance.
- One of the largest insurance providers in the nation.
- Customer ratings for claim satisfaction are below average, according to J.D. Power.
Why it’s one of the best: NerdWallet gave Travelers the highest score out of 24 eligible car insurance companies in Florida, based on our evaluations of each insurer’s coverage options, discounts and financial strength.
Pros
- Two accident forgiveness plans available for eligible drivers.
- Offers bonus coverages like gap insurance and new car replacement.
Cons
- Claims satisfaction rating is below average, according to a J.D. Power study.
Average rates: Full coverage car insurance from Travelers costs an average of $2,372 a year, or $198 a month. The state average is $4,011 a year, or $334 a month, for the same coverage.
» Read the full review: Travelers auto insurance review
Best for customer satisfaction: Auto-Owners
Best for customer satisfaction
Auto-Owners
- Robust website and mobile app.
- Many discounts available.
- Doesn't offer gap or rideshare insurance.
- Limited network of local agents.
- Below average customer satisfaction for auto insurance claims in a recent J.D. Power study.
Why it’s one of the best: Nationally, customers of Auto-Owners have filed the fewest complaints to state regulators about the insurance company relative to other insurers of its size. That makes it one of our top picks for Florida drivers.
Pros
- Offers at-fault accident forgiveness to eligible drivers.
- Waives collision deductible if both drivers have Auto-Owners policies.
Cons
- Does not offer online quotes.
- Mobile apps received low user ratings on both Apple and Android devices.
Average rates: Rates data from Auto-Owners wasn’t available in Florida, according to NerdWallet’s October 2025 analysis.
» Read the full review: Auto-Owners car insurance review
Best for customer experience: State Farm
best for mobile app users
State Farm
- Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
- Generous rental car and travel expenses coverage.
- Above average customer satisfaction rating for buying auto insurance among large insurers, according to J.D. Power.
- Doesn't offer gap insurance.
Why it’s one of the best: Unlike some top insurers, State Farm lets drivers make payments, start claims and manage policies in the State Farm app. The app is rated highly by drivers on both Apple and Android devices.
Pros
- Rental car coverage pays for meals, lodging and transportation if drivers are stranded 50+ miles from home.
- The Steer Clear program provides training for drivers under age 25, and may include a discount.
- Offers rideshare insurance.
Cons
- Doesn’t offer gap insurance.
Average rates: Full coverage car insurance from State Farm costs an average of $2,089 a year, or $174 a month. The state average is $4,011 a year, or $334 a month, for the same coverage.
» Read the full review: State Farm auto insurance review
Looking for the lowest auto insurance rates in your state? Check out NerdWallet’s list of the cheapest car insurance in Florida.
Best for military members and veterans: USAA
Best for military drivers
USAA
- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available to active military, veterans and their families only.
Why it’s one of the best: USAA consistently scores among the top insurance companies in the nation, according to NerdWallet’s reviews. It’s only available to military members, veterans, some federal employees and their families.
Pros
- Accident forgiveness available after five years of accident-free driving.
- Offers military-minded discounts for things like storing your car on base.
- Consistently one of the most affordable insurers across the country.
Cons
- Not available to most drivers.
Average rates: Rates data from USAA wasn’t available in Florida, according to NerdWallet’s October 2025 analysis.
» Read the full review: USAA auto insurance review
Full list of the top car insurance companies in Florida
If you’re looking for more options, here’s a list of the car insurance companies in Florida that NerdWallet awarded a star rating of 4.5 or higher. Each of these companies could be a good choice, depending on your driving history and insurance needs.
Company | Star rating |
|---|---|
USAA* | |
*USAA is available only to active-duty military members, veterans and their families. | |
- Read more auto reviews from NerdWallet
Here is the full list of car insurance companies reviewed by NerdWallet. Not all insurers offer policies in every state, however.
Minimum auto insurance limits required 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 pays for damage you cause to other people’s property while driving, like someone’s car or fence.
PIP insurance in Florida covers your medical bills and 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.
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.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
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.
2022 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.
- See characteristics for other driver profiles
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.
