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Nick Dauk is a content writer specializing in business, entrepreneurship, personal finance, and travel who's been writing for Compare.com since 2023. His work has been featured in The New York Post, BBC, Business Insider, Fox Business, and Bisnow.
Nick’s global adventures have also been featured on Inside Hook, Houston Chronicle, Chicago Magazine, and The Telegraph.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The average Florida driver pays $179 per month for auto insurance.
You can find liability policies for as little as $107 per month from companies like State Farm.
Florida has a high rate of uninsured drivers, making adequate auto insurance coverage even more important.[1]
Florida’s average auto insurance rates are $179 per month, though you can still find ways to save by shopping around. Below are the most affordable companies for Florida drivers, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $107 |
| Mile Auto | $116 |
| Direct Auto | $148 |
| Progressive | $156 |
| Mercury | $159 |
| GEICO | $160 |
| Infinity | $179 |
| National General | $182 |
| Bristol West | $183 |
| Allstate | $187 |
| The General | $188 |
| GAINSCO | $193 |
| Root | $197 |
| Travelers | $222 |
| Dairyland | $288 |
| AssuranceAmerica | $289 |
| Liberty Mutual | $375 |
State Farm offers the lowest rates in Florida, at $107 per month. But these are broad averages, and the cheapest insurer for you will depend on your unique driver profile.
Read on to see the average rates for specific driver demographics in Florida.
Compare personalized quotes from Florida’s top insurers.
Unfortunately, there isn’t one company that’s the best choice for all drivers. Each company calculates rates differently, and every driver has unique priorities when choosing a policy. Because of this, the best company for you might be completely different from what works for someone else.
With that in mind, knowing where to start can feel overwhelming. To help, we’ve compiled a list of top Florida insurers for some of the most common types of drivers in the Sunshine State.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $107/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $115/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a great choice for Florida drivers who value price the most. The company offers some of the lowest average rates in Florida. In fact, it’s also among the cheapest options, on average, for several age groups.
And you don’t have to sacrifice customer service for great rates, either. State Farm ranked above average in Florida for overall customer satisfaction in J.D. Power’s latest U.S. Auto Insurance Study.[2]
Among the cheapest rates in Florida
Excellent mobile app
Range of discounts available
Expensive for high-risk drivers
No gap insurance
Few optional coverages available
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $165/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $244/mo |
Customers appreciate the pleasant customer service and AARP discounts but dislike the frequent price increases and complex payment process.
Customers appreciate the pleasant customer service and AARP discounts but dislike the frequent price increases and complex payment process.
The Hartford may be smaller than other insurers, but it’s a fantastic option for Florida’s sizable senior population. Through its partnership with AARP, The Hartford offers senior drivers great rates and a unique reward program.
We don’t currently have data for The Hartford’s average rates in Florida, but the company advertises average annual savings of up to $577 for seniors who switch to its AARP Auto Insurance Program. The company also scores above average in customer service, according to J.D. Power.
Among the lowest rates for retirees
Plenty of coverage options
Above-average customer satisfaction
Fewer discounts than some competitors
Accident forgiveness not available
More expensive than some competitors
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $160/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $175/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
It’s no secret that teens pay some of the highest rates of any group when it comes to auto insurance. Fortunately, teen drivers in Florida have options. GEICO’s average rates are among the lowest for teens — it’s a great choice, whether you’re a teen being added to your family policy or getting your own plan.
GEICO also offers a wide array of discounts teen drivers can take advantage of to save even more, including a good student discount and a discount for taking an approved driver safety course.
The insurance giant also scores well in customer service, ranking No. 3 among Florida insurers by J.D. Power. Florida teens can rest assured they’re in good hands with GEICO.
Plenty of teen discounts
Great mobile app
Above-average customer satisfaction
Gap coverage not available
Only one local insurance agent
Few additional coverages available
Use these tips to lower your car insurance rates in Florida:
The Insurance Information Institute suggests lowering optional insurance coverage if your vehicle is worth less than 10 times your premium.[3] Retaining only the minimally required coverage can keep your rate as low as possible.
Most insurers offer discounts for policyholders based on things like driving habits, affinity memberships, payment methods, vehicle safety features, and more. Some don’t advertise all of their discounts, so ask your agent if there are any you qualify for.
Higher credit can lead to a better credit-based insurance score, potentially lowering your premium at renewal.
Raising your deductible increases your financial responsibility after an accident. But it typically leads to lower premiums, so just make sure you can afford the extra expense if you have to file a claim.
The industry is highly competitive, and insurers often adjust their rates, discounts, and incentives. Shopping around and comparing quotes from multiple companies is the best way to save.
Your policy rate is directly related to the amount of coverage you have. Liability-only coverage tends to have some of the lowest rates because these policies often only include the state’s minimum coverage requirements. You’d then be financially responsible for all other damages or injuries that your policy doesn’t cover.
The following chart highlights the cheapest companies for liability insurance in Florida, according to Compare.com data.
Purchasing only minimum coverage can leave you financially vulnerable after an accident. That’s why insurance experts recommend purchasing more than basic protection. Next, we’ll explore the cheapest options for drivers who want a more robust full-coverage insurance policy.
“Full-coverage” policies usually include comprehensive and collision insurance. These coverages provide added protection for damages or injuries to you and your property, but they typically raise rates, as well.
The chart below shows the cheapest car insurance companies in Florida for full coverage, according to Compare.com data.
In the sections below, we’ll look at how age and driving record affect rates and the cheapest companies for each demographic.
Car insurance rates can vary widely depending on where you live — drivers in neighboring states can have dramatically different average rates.
Let’s look at how Florida stacks up to the rest of the U.S. as a whole.
State | Average Monthly Liability Premium | Average Monthly Full-Coverage Premium | Average Monthly Premium for All Policies |
|---|---|---|---|
| Florida | $154 | $204 | $179 |
| National average | $102 | $177 | $139 |
Florida is among the most expensive states in the U.S. for auto insurance. Its average rate is $179 per month. Florida’s no-fault auto insurance laws are a big reason for this, but its high population, heavy traffic congestion, high rate of uninsured drivers, and several other factors also contribute.
As we mentioned above, Florida has some of the highest average car insurance rates in the country — and that’s because of several factors.
First, Florida is what’s known as a “no-fault” state. This means that if you get into an accident in Florida, you file a claim with your own insurance company to cover your injuries, regardless of who’s at fault.
Another reason is Florida’s high population density. As of the 2020 U.S. Census, Florida had the 10th-highest density of any state.[4] Generally speaking, a higher population density means more people on the road — and more people on the road means more accidents. These accidents lead to insurance claims, which, in turn, mean increased auto insurance rates.
But perhaps the largest factor contributing to Florida’s high auto insurance rates is its number of uninsured drivers. The Insurance Research Council found that more than 20% of Florida drivers are uninsured. That’s nearly eight percentage points higher than the national average.
Combining no-fault insurance regulations, higher population densities, greater congestion, and a high percentage of uninsured drivers only leads to one thing: expensive auto insurance.
Age is one of the most influential factors for car insurance rates. Young drivers — especially teenagers — tend to cause more accidents than drivers older than 20, which is why their rates are often the highest. Adults older than 65 may see their rates rise due to cognitive and physical impairments that increase the likelihood of accidents.
In the table below, we break down how car insurance rates change based on age and the cheapest insurance for each age group, according to our data.
Age Group | Statewide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $306 | State Farm | $199 |
| 40s | $188 | State Farm | $105 |
| 60s | $159 | State Farm | $86 |
Teenagers are the most expensive drivers to insure because they have crash rates four times higher than those of drivers aged 20 and older.[5] A lack of driving experience, distracted driving, overconfidence, and peer pressure can contribute to crashes. Rates typically begin to drop for younger drivers after they reach the age of 25.
Teen drivers in Florida pay an average of $306 per month for car insurance. State Farm has the cheapest car insurance on average for Florida teens, at $199 per month, according to Compare.com data.
As you approach retirement age, you might receive some of the cheapest rates possible. Rates may continue to drop as you enjoy your retirement due to infrequent driving. But it’s important to note that not all rates will be significantly low. Due to visual, physical, and cognitive impairments, older drivers are still at a higher risk of accidents, which can cause rate increases.
The average senior driver in Florida pays $159 per month, but they can find cheaper coverage with State Farm. Its average rates are $86 per month, according to our analysis.
Your driving record can be one of the most important factors insurers use when determining your rates. Mistakes that display risky driving behavior or an increase in claim potential — such as at-fault accidents, tickets, or DUIs — can increase your rates. The following sections show how different incidents affect your premiums.
The following table also shows the cheapest insurer by age in Florida and its corresponding average monthly premium.
Driving Record | Statewide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $179 | State Farm | $107 |
| Speeding ticket | $240 | State Farm | $138 |
| At-fault accident | $220 | State Farm | $134 |
| DUI | $236 | State Farm | $148 |
Speeding is considered a risky behavior in the eyes of an insurer. It has consistently been a significant contributing factor in motor vehicle fatalities for decades, according to the National Highway Traffic Safety Administration (NHTSA).
Even if it doesn’t cause an accident, you’ll likely receive a rate increase from a single speeding ticket. In fact, a speeding ticket raises average rates by 27%, according to Compare.com data.
Florida drivers pay an average of $240 per month after a ticket, according to our research. But State Farm is the cheapest option. Florida drivers with a ticket who choose the insurer pay $138 per month on average.
Most drivers know that an at-fault accident can increase your rate, but you might not know that claims such as these can stay on your record for three years. The average driver sees their rates go up by 34% after an at-fault accident, according to our data.
The average premium for Florida drivers with at-fault accidents is $220, according to our data. Florida drivers with an accident on their record pay the cheapest rates with State Farm, at $134 per month.
A DUI can cause your rates to increase substantially — average rates rise by 50% after a DUI, according to Compare.com data.
In Florida, drivers with DUIs spend $236 per month, according to our research. But State Farm is the cheapest auto insurer for this group. Florida drivers who choose the insurer pay $148 per month on average after a DUI.
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Florida requires drivers of all registered vehicles to have the following minimum insurance coverage:[6]
$10,000 of personal injury protection (PIP) coverage
$10,000 of property damage liability coverage
You must maintain this insurance from the start of the vehicle registration until you surrender the vehicle’s license plate. Florida always requires this coverage, no matter if you don’t drive or if your vehicle is inoperable.
Florida is a no-fault state, which means you’ll file a claim with your insurance company after an accident, no matter who was at fault. No-fault states require drivers to purchase personal injury protection coverage.
In a collision, both drivers would file claims with their insurers. Each insurance company would then pay for its policyholder’s medical bills, lost wages, or funeral expenses. And, because you’re filing a claim, your insurer could raise your rates unless it determines that you weren’t at fault in the accident.
Personal injury protection — or PIP — is an insurance product that covers medical expenses after an accident, no matter if you’re at fault or not.
In no-fault states like Florida, drivers must have PIP insurance and must file a claim with their own insurance company after an accident. PIP insurance can help cover medical expenses — similar to health insurance — as well as lost wages due to injury and funeral expenses.
SR-22 insurance isn’t a type of insurance coverage, like comprehensive or collision. Instead, it’s a certificate you file to prove you hold the state-required liability insurance.
In Florida, an SR-22 ensures you have bodily injury liability and property damage liability coverage in line with the reinstatement requirements of the Florida financial responsibility law.[7]
Florida replaced its SR-22 form with an FR-44 form to uphold higher liability limit requirements. Drivers convicted of a DUI will need to file an FR-44 to reinstate their license and registration and will need to maintain the FR-44 insurance requirement for three years.
Florida requires drivers to maintain at least the minimum required insurance throughout their registration period, even if you don’t drive for that period or if your car is inoperable. A lapse of coverage — even when canceling your insurance right before surrendering your license plate — can trigger non-compliance.
Non-compliance can result in the immediate suspension of your driver’s license and registration for up to three years. You’ll have to pay a fee of up to $500 for reinstatement. A second offense could result in more fees, and driving on a suspended license can result in further fees or even jail time.
Compare personalized quotes from Texas’s cheapest companies.
Whether it’s your first time getting car insurance or you’ve recently moved to Florida, it’s good to know the basics of the state’s auto insurance requirements. Here are answers to the most commonly asked questions about Florida car insurance.
State Farm is the cheapest auto insurance company in Florida, with an average rate of $107 per month, according to our data.
But rates vary quite a bit depending on your personal insurance profile, so it’s important to shop around and compare quotes to find the company that’s cheapest for you.
The average monthly premium for car insurance in Florida is $179, according to Compare.com data. But car insurance rates in Florida can range dramatically, depending on your location, age, and driving record.
Because a wide array of factors affect your auto insurance rates, there isn’t one company that’s best for all drivers. That said, we’ve found that GEICO and State Farm are great choices for Florida drivers looking for cheap policies without sacrificing customer service.
Yes. Florida requires all drivers to maintain PIP and PDL insurance at a minimum of $10,000 each. This insurance must be met even if your vehicle is inoperable and up until after you surrender the license plate or registration tag.
Penalties for getting caught driving without a license in Florida include a suspension of your driver’s license and license plate for up to three years, as well as a reinstatement fee of $500.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Nick Dauk is a content writer specializing in business, entrepreneurship, personal finance, and travel who's been writing for Compare.com since 2023. His work has been featured in The New York Post, BBC, Business Insider, Fox Business, and Bisnow.
Nick’s global adventures have also been featured on Inside Hook, Houston Chronicle, Chicago Magazine, and The Telegraph.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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