+120 more*These quotes are from real Compare.com users Florida within the last 10 days. Updated on September 2, 2026
*These quotes are from real Compare.com users Florida within the last 10 days. Updated on September 2, 2026
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Licensed property and casualty insurance agent
NPN: 21630969
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Updated
State Farm, Progressive, and Clearcover are some of Florida’s cheapest car insurance companies.
Full-coverage insurance averages $222 per month in Florida, compared to $140 per month for liability-only coverage.
The average cost of car insurance in Florida is $181 per month.
Florida’s no-fault insurance system and frequent severe weather are two key reasons why car insurance rates are higher than the national average.
The average cost of car insurance in Florida is $222 per month for full coverage and $140 per month for liability-only coverage. Florida’s rates are higher than the national averages of $184 per month for full coverage and $100 per month for liability coverage.
Florida’s higher rates stem from several factors, including its no-fault insurance system, costly accident claims, and one of the country’s highest rates of uninsured motorists. [1] [2] Florida’s frequent hurricanes and other severe weather lead to significant catastrophe claims each year, according to the National Oceanic and Atmospheric Administration (NOAA) Storm Events Database.
That said, State Farm, Progressive, and Clearcover offer some of the cheapest car insurance in the state. The table below shows the cheapest car insurance companies in Florida by driver category, including average rates for both minimum and full coverage.
Company | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| State Farm | $100 | $138 |
| Progressive | $104 | $155 |
| Clearcover | $109 | $227 |
| GEICO | $114 | $209 |
| Mile Auto | $114 | $182 |
| Dairyland | $131 | $339 |
| Embark | $132 | $276 |
| Direct Auto | $148 | $208 |
| GAINSCO | $148 | $303 |
| Mercury | $157 | $197 |
Compare quotes and get the coverage you need at the best price.
Car insurance rates vary widely across Florida. Venice has some of the cheapest car insurance rates in the state, averaging $97 per month for minimum coverage and $168 for full coverage. Miami Gardens is among the most expensive cities, with average monthly rates of $218 and $317 for liability only and full coverage, respectively.
Full coverage costs roughly 95% more in Miami Gardens than in Venice, while minimum coverage costs about 120% more. Miami Gardens’ larger population may contribute to its higher average insurance premiums.[3] Miami-Dade County also has a higher vehicle crash rate than Sarasota County, where Venice is, according to the Florida Department of Health.
Check out the table below for average liability-only and full-coverage rates in different Florida cities.
City | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Venice | $97 | $168 |
| Milton | $99 | $185 |
| Vero Beach | $100 | $202 |
| Panama City | $113 | $185 |
| Saint Augustine | $116 | $183 |
| North Port | $117 | $184 |
| The Villages | $117 | $156 |
| Gainesville | $118 | $195 |
| Eustis | $119 | $188 |
| Punta Gorda | $119 | $177 |
| Port Orange | $120 | $188 |
| Palm Coast | $121 | $194 |
| Jupiter | $122 | $214 |
| Melbourne | $122 | $195 |
| Pensacola | $123 | $198 |
| Sarasota | $123 | $190 |
| Tallahassee | $124 | $212 |
| Naples | $126 | $201 |
| Coral Springs | $128 | $233 |
| Palm Bay | $129 | $200 |
| Cape Coral | $132 | $199 |
| Daytona Beach | $132 | $213 |
| Ocala | $132 | $204 |
| Lakeland | $133 | $220 |
| Winter Springs | $133 | $221 |
| Bradenton | $135 | $215 |
| Cocoa | $135 | $191 |
| Largo | $135 | $205 |
| Saint Cloud | $135 | $220 |
| Clermont | $136 | $220 |
| Clearwater | $137 | $211 |
| Oviedo | $137 | $238 |
| Plant City | $138 | $231 |
| Port Saint Lucie | $139 | $204 |
| Winter Haven | $139 | $225 |
| Sanford | $140 | $215 |
| Orange Park | $141 | $229 |
| Fort Myers | $142 | $215 |
| Davenport | $143 | $231 |
| Jacksonville | $143 | $225 |
| Saint Petersburg | $143 | $223 |
| Pinellas Park | $147 | $216 |
| Spring Hill | $148 | $248 |
| Palm Harbor | $149 | $220 |
| Altamonte Springs | $150 | $232 |
| Apopka | $150 | $229 |
| Wesley Chapel | $150 | $259 |
| Wellington | $153 | $250 |
| Deltona | $156 | $234 |
| New Port Richey | $159 | $249 |
| Palm Beach Gardens | $159 | $224 |
| Boca Raton | $165 | $256 |
| North Miami Beach | $165 | $254 |
| Orlando | $166 | $248 |
| Kissimmee | $167 | $234 |
| Riverview | $167 | $261 |
| Holiday | $168 | $274 |
| Miami Beach | $171 | $271 |
| Homestead | $172 | $274 |
| Brandon | $174 | $251 |
| Fort Lauderdale | $179 | $252 |
| Hollywood | $179 | $251 |
| Pompano Beach | $186 | $253 |
| West Palm Beach | $188 | $258 |
| Deerfield Beach | $193 | $274 |
| Miami | $194 | $282 |
| Tampa | $194 | $284 |
| Delray Beach | $198 | $268 |
| Hialeah | $198 | $270 |
| Lake Worth | $199 | $265 |
| Miami Gardens | $218 | $317 |
| Boynton Beach | $220 | $286 |
Florida driver behavior and risk patterns play a major role in how insurers determine car insurance pricing. Here are a few insights about Florida drivers, according to our database of thousands of real-life car insurance quotes across the state.
Driving history: About 3% of Florida drivers have a speeding ticket, 4% have been in an at-fault accident, and 0.6% have a driving under the influence (DUI) conviction. Drivers with violations on their records typically pay higher insurance rates.
Annual mileage: Florida drivers average around 9,000 miles per year, which is slightly below the national average. Lower-mileage drivers may qualify for lower insurance premiums.
Vehicle ownership: Around two-thirds of Florida drivers own their vehicles outright. These owners can save with liability-only coverage if they can afford to cover repair costs.
Vehicle choice: The Toyota Camry and Toyota Corolla are the two most popular vehicles in Florida. Both earn strong safety ratings and have lower repair costs.[4] [5]
Rate trends: Florida experienced several years of rising auto insurance rates, but recent reforms have attracted new insurers, reduced litigation, and prompted many insurers to file for rate decreases.[6]
Florida car insurance rates vary widely by insurer, ZIP code, driving profile, and coverage level. The same driver can receive very different quotes from different insurance companies. Comparing quotes from multiple companies can help you find the best deal for the coverage you need.
The table below compares average rates, customer reviews, and other key details for several insurance companies that operate in Florida.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium $196/mo* | Average Premium $119/mo* | Average Premium $178/mo* | Average Premium $257/mo* | Average Premium $162/mo* |
Overall Rating | Overall Rating | Overall Rating | Overall Rating | Overall Rating |
Value | Value | Value | Value | Value |
Customer Service | Customer Service | Customer Service | Customer Service | Customer Service |
Claims Handling | Claims Handling | Claims Handling | Claims Handling | Claims Handling |
Special Highlight N/AAI-generated from 26 user reviews | Special Highlight N/AAI-generated from 979 user reviews | Special Highlight N/AAI-generated from 59 user reviews | Special Highlight N/AAI-generated from 46 user reviews | Special Highlight N/AAI-generated from 828 user reviews |
The best car insurance company in Florida depends on your budget, driving habits, and coverage needs. Our recommendations below reflect actual customer reviews and the value each company offers Florida drivers. Each company scores highly for financial strength and customer satisfaction.
| 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. | $100/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. | $138/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
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 has some of the cheapest full-coverage rates in Florida for all driver profiles, including young and high-risk drivers, according to Compare.com data. It also has an extensive agent network in Florida to help you find the coverage you need.
The company can also help you navigate the claims process in a state with higher-than-average claim frequency and frequent severe weather.
Competitive full-coverage rates
Extensive network of agents in Florida
Multiple discount opportunities for young drivers
Gap insurance not available
Fewer discounts than some competitors
No automatic accident forgiveness
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 666 |
|---|
Florida’s busy roads create more opportunities for breakdowns, flat tires, and accidents. AAA combines roadside assistance, travel benefits, and auto insurance into one package for Florida drivers who frequently travel, commute long distances, or navigate busy tourist areas.
If you’re one of the nearly 33% of Florida drivers who finance or lease a vehicle, optional original equipment manufacturer (OEM) parts and gap coverage can help protect your investment.
56 branch locations in Florida
Roadside assistance and travel benefits
Florida drivers qualify for mature driver discounts
Higher average premiums than some competitors
Regional availability varies
Some benefits and discounts require membership
| User Reviews | 4.2 |
|---|---|
| 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. | 4.5 /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. | $52/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. | $101/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA is our top recommendation for Florida’s large military population. It offers competitive rates, outstanding customer satisfaction, and benefits tailored to active-duty service members, veterans, and their immediate families. USAA members can save around $960 annually by switching insurers.
Offers a 15% on-base military discount
Member discounts on travel, shopping, and entertainment
Highly rated customer satisfaction in the Florida region[7]
Few optional coverages available in Florida
No Florida branch offices
Eligibility restrictions apply
Our editorial team, composed of seasoned editors, insurance experts, and licensed agents, analyzed more than 50 of the state’s top insurers to select the best companies for various Florida drivers. We researched, analyzed, and weighed several categories important to Florida insurance shoppers, including average rates, local customer satisfaction ratings, coverage options, discount offerings, policy features, and more.
Our goal is to provide actionable advice and detailed, personalized analysis that helps Florida drivers find the best auto insurance policy for their unique needs.
Florida car insurance requirements differ from those of most states, which require bodily injury liability coverage. Florida only requires coverage for property damage you cause to others. It’s also a no-fault state, meaning drivers use their own insurance for medical costs and lost wages after an accident, regardless of fault.
Minimum-coverage requirements in Florida include:[8]
$10,000 personal injury protection (PIP)
$10,000 property damage liability (PDL)
Those limits are relatively low and may not fully cover serious accidents or injuries. Florida law allows lawsuits for serious injuries or death, so some drivers choose to add bodily injury liability coverage for extra protection. Uninsured motorist coverage is optional, but a good idea given Florida’s high rate of uninsured drivers.
Driving without insurance in Florida is illegal. It can lead to the suspension of your license and vehicle registration, with reinstatement fees of $100 to $500.
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Many factors affect car insurance rates in Florida. Here are the most important:
Location: Drivers in urban areas like Miami or Tampa often see higher rates due to heavier traffic, more frequent claims, and higher vehicle repair and medical claim costs.
Weather exposure: Hurricanes, flooding, and severe storms increase the risk of comprehensive claims. Comprehensive coverage pays for weather damage, theft, vandalism, and glass claims, so Florida drivers often pay more in areas with greater weather risk.
Age: Despite making up only 5% of Florida drivers, teens and new drivers accounted for 6.5% of crashes in 2024, according to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). Higher crash rates contribute to higher insurance premiums for younger drivers.
Credit history: Florida allows insurers to consider your credit history as one of several rating factors. State law prohibits insurers from making decisions based only on a driver’s credit report or score.
Comparing quotes from multiple insurers is the best way to get cheap car insurance in Florida. Here are a few other things you can do to potentially qualify for cheaper rates:
Show off your driving skills. Floridians already pay higher-than-average premiums. If you practice safe driving habits, enrolling in your insurer’s usage-based insurance program could help you save. For example, Allstate drivers who enroll in its Drivewise program can save up to 40% on their premiums.
Consider pay-per-mile insurance. Florida drivers with short commutes, retirees, or seasonal “snowbirds” could save with pay-as-you-go insurance, which charges rates based on how many miles you drive. For example, Allstate’s Milewise program can help eligible low-mileage drivers save up to 50%.
Improve your credit. The average credit score in Florida is 704, which falls in the “good” range. Improving your credit could lower your insurance costs by around 9%, according to our data.
Bundle your policies. If you rent or own a home or condo in Florida, many insurers offer multi-policy discounts of up to 30% for bundling your auto and property insurance with the same company.
Get quotes from top insurers in the Sunshine State and save money in minutes.
Explore these Florida resources and guides to learn how to compare coverage, understand state laws, and find the right policy for your needs.
Florida Office of Insurance Regulation (FLOIR): Learn about insurance laws, file complaints, and access consumer resources.
Florida Department of Highway Safety and Motor Vehicles (FLHSMV): Find driver’s license, registration, and insurance requirement information.
Florida Attorney General Consumer Protection Division: Report insurance fraud and learn about consumer rights.
Florida Statutes: Read Florida’s current auto insurance laws and coverage requirements.
If you still have questions about car insurance in Florida, below are answers to some of the topics Florida drivers ask most often.
State Farm, Progressive, and GEICO offer some of the cheapest car insurance in Florida, according to Compare.com data. But the cheapest insurer for you depends on your driving record, vehicle type, coverage needs, and ZIP code.
No-fault insurance in Florida is personal injury protection (PIP) coverage. It pays for your medical expenses and lost wages, up to your coverage limits, if you sustain an injury in an accident, no matter who’s at fault.
Most Florida insurance companies offer discounts on car insurance. You may qualify for discounts by bundling policies, maintaining a clean driving record, or completing a Florida-approved mature driver course. Young drivers with good grades or people who insure a vehicle with safety features may also qualify.
Start by comparing quotes from multiple insurance companies and adjusting your coverage to fit your budget. If you own your vehicle outright and can afford to repair or replace it yourself, state-minimum coverage may be an option. But be prepared to pay for your own vehicle repairs if it sustains damage.
Shopping around at each policy renewal is one of the best ways to save money. You can also increase your deductibles, ask about available discounts to lower your premium, or enroll in your insurer’s telematics program if you’re a safe driver.
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.
)
Licensed property and casualty insurance agent
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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.
