The cheapest car insurance in Florida, at a glance
State Farm offers the cheapest full coverage in Florida, with an average monthly rate of $174, according to NerdWallet's June 2025 analysis.
GEICO offers the cheapest liability coverage in Florida, with an average monthly rate of $27.
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More than 270 million 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.
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The average cost of full coverage car insurance in Florida is $3,733 per year, or $311 per month, according to our analysis. Minimum coverage in Florida costs an average of $898 per year, or $75 per month.
Cheapest car insurance in Florida for June 2025
NerdWallet analyzed rates for 10 insurers to find the cheapest auto insurance in Florida. We reviewed rates for drivers of different ages, with different driving histories and coverage types, to find the companies offering the best deals for a variety of driver profiles.
Be aware that your rates will probably be different because of personal characteristics like your age, driving record, car and ZIP code. We recommend getting quotes from several of the companies below to find out which insurer will actually be the cheapest for you.
Full coverage insurance will help pay for repairs to your own vehicle after an at-fault accident, as well as damage and injuries you cause to others.
If you have a car loan or lease, your lender will likely require you to carry full coverage, which includes comprehensive and collision insurance. These coverage types pay you if your car is stolen or damaged in an accident you cause, among other scenarios.
These rates are based on a 35-year-old driver with good credit and a clean driving history.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $2,089 | $174 |
| GEICO | $2,278 | $190 |
| Travelers | $2,384 | $199 |
| UAIC | $2,667 | $222 |
| Nationwide | $3,492 | $291 |
Liability coverage pays only for damage you cause to others, so you’ll have to pay for your own repairs yourself if you don’t have full coverage.
The rates below are based on a 35-year-old driver with good credit and a clean driving history.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $322 | $27 |
| State Farm | $403 | $34 |
| Private Client Select | $405 | $34 |
| Travelers | $536 | $45 |
| Nationwide | $794 | $66 |
Having a DUI or at-fault accident on your record will cause your rates to go up — or even double. But each car insurer prices these incidents a little differently, so it’s worth shopping around for the best rates.
The rates below are for 35-year-old drivers with full coverage.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | State Farm | $2,089 |
| After a DUI | State Farm | $3,080 |
| After an accident | State Farm | $2,693 |
| After a speeding ticket | GEICO | $2,278 |
| Having poor credit | UAIC | $2,667 |
Rates refreshed June 2025.
Risks of liability car insurance
Liability coverage is typically the cheapest car insurance available, and that usually means getting the barest coverage required by law in your state. But state requirements can be quite low and leave you financially vulnerable if you’re in a serious accident.
Getting the cheapest car insurance possible might also mean missing out on optional coverage types that can help cover your own injuries or property damage — for example, when you’re injured in an accident or if your car is banged up after a bad storm or a hit-and-run. To find cheap car insurance with more coverage, check out NerdWallet’s list of cheap full coverage insurance.
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.
- Fort Lauderdale
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 $2,811 After a DUI State Farm $4,305 After an accident State Farm $3,712 After a speeding ticket GEICO $3,062 Having poor credit UAIC $3,703 Rates refreshed June 2025.
- Jacksonville
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 June 2025.
- Miami
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 June 2025.
- Orlando
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 $2,151 After a DUI State Farm $3,214 After an accident State Farm $2,796 After a speeding ticket GEICO $2,151 Having poor credit UAIC $3,331 Rates refreshed June 2025.
- St. Petersburg
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 $2,766 After a DUI State Farm $4,031 After an accident State Farm $3,538 After a speeding ticket GEICO $2,766 Having poor credit UAIC $2,882 Rates refreshed June 2025.
- Tampa
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 $2,768 After a DUI State Farm $4,177 After an accident State Farm $3,619 After a speeding ticket GEICO $2,910 Having poor credit UAIC $4,057 Rates refreshed June 2025.
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 June 2025 analysis.
Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
Cheapest auto 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 going up again in your 70s.
Below are the cheapest car insurance rates for Florida drivers. All rates are for drivers with clean driving records and good credit.
- For 20-year-old drivers
Young drivers may have to get a lot of quotes to find the best cheap car insurance. Prices can be high in your 20s, but tend to come down as you get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Company Median annual rate Median monthly rate UAIC $4,345 $362 GEICO $4,590 $383 State Farm $4,959 $413 Private Client Select $6,321 $527 Travelers $6,798 $567 Company Median annual rate Median monthly rate GEICO $612 $51 Private Client Select $623 $52 State Farm $1,129 $94 Travelers $1,154 $96 Nationwide $1,462 $122 Rates refreshed June 2025.
- For 30-year-old drivers
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 make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.
Company Median annual rate Median monthly rate State Farm $2,122 $177 Travelers $2,385 $199 GEICO $2,399 $200 UAIC $2,695 $225 Nationwide $3,496 $291 Company Median annual rate Median monthly rate GEICO $346 $29 State Farm $413 $34 Private Client Select $426 $36 Travelers $508 $42 Nationwide $797 $66 Rates refreshed June 2025.
- For 40-year-old drivers
While insurance rates vary by age and gender, drivers in their 40s can often expect to get cheap insurance rates from most companies. You may find even cheaper rates from smaller or regional insurers.
Company Median annual rate Median monthly rate State Farm $2,062 $172 Travelers $2,248 $187 GEICO $2,316 $193 UAIC $2,559 $213 Nationwide $3,447 $287 Company Median annual rate Median monthly rate GEICO $320 $27 State Farm $397 $33 Private Client Select $413 $34 Travelers $520 $43 Nationwide $787 $66 Rates refreshed June 2025.
- For 60-year-old drivers
Car insurance costs may start to rise for older drivers, so it’s wise to shop around for the cheapest rates. You can also check for senior discounts. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Company Median annual rate Median monthly rate State Farm $1,869 $156 Travelers $1,984 $165 GEICO $2,142 $179 UAIC $2,381 $198 Nationwide $2,934 $245 Company Median annual rate Median monthly rate GEICO $269 $22 State Farm $347 $29 Private Client Select $377 $31 Travelers $434 $36 Nationwide $679 $57 Rates refreshed June 2025.
- For 70-year-old drivers
Our analysis shows that older drivers with good credit and a clean driving history enjoy some of the cheapest auto insurance rates, but car insurance rates for senior drivers start to creep up once you reach your 70s.
Company Median annual rate Median monthly rate State Farm $1,928 $161 GEICO $2,020 $168 Travelers $2,223 $185 UAIC $2,435 $203 Nationwide $3,522 $294 Company Median annual rate Median monthly rate GEICO $267 $22 State Farm $356 $30 Private Client Select $433 $36 Travelers $479 $40 Nationwide $776 $65 Rates refreshed June 2025.
Cheapest auto insurance in Florida by driving record
Having a driving violation on your record is likely to increase your car insurance premium. How much more you’ll pay depends on the type of violation, your car insurance carrier and your other personal characteristics.
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Florida drivers with different driving records. If you have multiple violations on your record, consider looking into the best high-risk car insurance companies.
- After a speeding ticket
In most cases, a speeding ticket affects the cost of car insurance, but insurers use different equations to calculate prices. So, if your rates rose after a recent ticket, you may still be able to get cheaper coverage by shopping around.
Company Median annual rate Median monthly rate GEICO $2,278 $190 State Farm $2,354 $196 Travelers $3,114 $259 UAIC $3,453 $288 Nationwide $4,723 $394 Company Median annual rate Median monthly rate GEICO $322 $27 State Farm $503 $42 Private Client Select $571 $48 Travelers $708 $59 Nationwide $1,121 $93 Rates refreshed June 2025.
- After one at-fault accident
An accident can affect your car insurance costs for up to three years, depending on your location and your insurer. But not all insurance companies use the same pricing model, so it can be hard to predict how much insurance will increase after an accident. If your insurance went up after a recent crash, you might find cheaper options by shopping around.
Company Median annual rate Median monthly rate State Farm $2,693 $224 GEICO $3,078 $257 Travelers $3,259 $272 UAIC $3,477 $290 Nationwide $5,083 $424 Company Median annual rate Median monthly rate GEICO $460 $38 Private Client Select $595 $50 State Farm $606 $51 Travelers $755 $63 Nationwide $1,218 $102 Rates refreshed June 2025.
- After a DUI
A DUI on your driving record can significantly increase the cost of car insurance. Our analysis showed that a 35-year-old in Florida with a clean driving history could get full coverage insurance for $174 a month, on average, while that same driver could pay $257 for the same coverage after a DUI. This makes it especially valuable to shop for cheap car insurance after a DUI.
Company Median annual rate Median monthly rate State Farm $3,080 $257 GEICO $3,699 $308 Travelers $3,976 $331 Private Client Select $4,349 $362 UAIC $4,686 $390 Company Median annual rate Median monthly rate Private Client Select $437 $36 GEICO $581 $48 State Farm $731 $61 Travelers $900 $75 Direct Auto $974 $81 Rates refreshed June 2025.
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.
Cheapest car insurance in Florida by credit history
Your credit history can impact your auto insurance rates in Florida. Insurers use a credit-based insurance score, which is different from your regular credit score, to determine the likelihood you’ll file a claim.
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Florida drivers with poor credit.
- Poor credit
Company Median annual rate Median monthly rate UAIC $2,667 $222 GEICO $4,026 $336 Travelers $4,725 $394 Nationwide $5,118 $427 Private Client Select $5,614 $468 Company Median annual rate Median monthly rate Private Client Select $600 $50 GEICO $607 $51 Direct Auto $966 $81 Nationwide $1,225 $102 Travelers $1,270 $106 Rates refreshed June 2025.
- Good credit
Company Median annual rate Median monthly rate State Farm $2,089 $174 GEICO $2,278 $190 Travelers $2,384 $199 UAIC $2,667 $222 Nationwide $3,492 $291 Company Median annual rate Median monthly rate GEICO $322 $27 State Farm $403 $34 Private Client Select $405 $34 Travelers $536 $45 Nationwide $794 $66 Rates refreshed June 2025.
Cheapest car insurance in Florida for military families
USAA
USAA offers insurance to active military, veterans and their families only.- 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.
If you're an active member of the military or a veteran — or you have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public. Because of that restriction, USAA isn't ranked with the others. Read our USAA auto insurance review.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
How to get cheap car insurance in Florida
No matter your age or driving history, there are a few steps you can take to get cheap car insurance in Florida. Here are some simple ways to get a better deal:
Shop around. Car insurance companies regularly change their pricing models. That’s why NerdWallet recommends comparing car insurance quotes from multiple insurers at least once a year to get the best rate possible.
Ask about discounts. Many car insurance companies offer a suite of discounts to entice new customers. It may be worth checking with your insurer to see if there are any car insurance discounts you may be eligible for that you’re not currently getting.
Drop unnecessary coverage. You can lower your car insurance premiums by getting rid of optional coverage types you no longer need. For example, comprehensive and collision insurance cover repairs for damage to your vehicle in a variety of situations, up to the market value of your car. If you own an older car that’s not worth much, you can likely drop these coverage types.
Raise your deductible. A car insurance deductible is the amount of money you pay out of pocket before your car insurance kicks in. The higher your deductible, the lower your car insurance premium. Just make sure you have enough money stashed away to cover the higher amount. In Florida, you’ll likely have deductibles for personal injury protection insurance and comprehensive and collision insurance, if you have it.
Build your credit. Because car insurance companies in Florida use a credit-based insurance score to price policies, drivers can get a better rate by keeping their credit score high.
» MORE: How to save on car insurance
Minimum auto insurance limits 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 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.
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 also want added protection from optional coverage types such as collision, comprehensive and uninsured motorist insurance. For example, comprehensive insurance can cover car damage from flooding, fallen objects and more next time another Hurricane Helene strikes.
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.
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 driver’s insurance company. The claim and payout come from that person’s bodily injury liability coverage.
Under Florida’s no-fault system, all people involved in a crash first make injury claims to their own PIP coverage, 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 of a body function or system.
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. 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.
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.
