Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Florida
We monitor insurance prices, helping the average driver in Florida save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Florida
The chart below shows the cheapest car insurance company in Florida for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Florida Insurer | Monthly Cost |
|---|---|
| Geico | $222 |
| State Farm | $236 |
| Gainsco | $308 |
| Bristol West | $308 |
Savings for Every Kind of Florida Driver
Based on our extensive insurance data, we know the average Florida driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $1,363 per year by choosing the right vehicle insurance company. Some Florida residents are paying out over $4,658 extra every year for auto insurance in Florida. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Florida Savings / Yr. |
|---|---|
$1,363 |
|
$2,001 |
|
$1,539 |
|
$1,523 |
|
$4,840 |
|
$1,322 |
|
$1,927 |
Florida Car Insurance vs. the United States
People living in Florida pay an average of 76.32% more than the typical driver in the nation. The average driver in Florida can expect to pay about $4,253 per year, or $4,658 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Florida for most people.
Car Insurance Prices by Florida Neighborhood
Insurance Prices
Where is insurance cheapest within Florida?
The map shows insurance prices in and around Florida, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,743 per year within the state boundaries, with insurance premiums ranging from a high of $3,882 to a low of $2,139. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of Florida.Pick the Best Car Insurance Company for You in Florida
The best car insurance provider for most drivers in Florida
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $1,363 over the average Florida car insurance company.
The best car insurance provider for Florida drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $2,001 over the competition.
The best car insurance company for Florida drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,539 better than other car insurance companies.
The best auto insurance for Florida drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $1,523 less each year.
The least expensive car insurance company for new and young drivers in Florida
In Florida, Geico costs young drivers $4,840 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Florida
Geico gave the largest car insurance discounts to married couples, averaging $1,322 saved each year compared to an average Florida couple's premiums.
The cheapest car insurance in Florida for drivers with bad credit
The best Florida car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Florida, which was better than other insurers.
The cheapest large national provider in Florida
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Florida driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Florida, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Florida
What Influences the Cost of Car Insurance in Florida?
On average, car insurance in Florida is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in Florida is 35 minutes, which is far more than average for a driver in the nation.
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Florida are lower than average in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Florida is a lightly populated area in the nation. The state’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Florida is $354 per month for minimum coverage and $388 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- Georgia: Insurance costs 55.07% less
- South Carolina: Insurance costs 61.98% less
- Alabama: Insurance costs 63.18% less
- North Carolina: Insurance costs 77.61% less
- Mississippi: Insurance costs 58.20% less
- Tennessee: Insurance costs 72.76% less
- Louisiana: Insurance costs 30.06% more
- Kentucky: Insurance costs 34.76% less
- Virginia: Insurance costs 78.85% less
- West Virginia: Insurance costs 66.81% less
States with Similar Populations
- Alaska: Insurance costs 72.91% less
- Hawaii: Insurance costs 73.42% less
- Alabama: Insurance costs 63.18% less
- Oregon: Insurance costs 67.41% less
- Ohio: Insurance costs 81.90% less
- New Mexico: Insurance costs 67.67% less
- New Hampshire: Insurance costs 79.07% less
- Montana: Insurance costs 62.41% less
- Mississippi: Insurance costs 58.20% less
- Minnesota: Insurance costs 63.05% less