The Cheapest Auto Insurance Companies in Tampa, Florida in 2026
The cheapest car insurance company in Tampa is Progressive, with an average monthly rate of $131.
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Written byMandy Sleight
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Mandy SleightInsurance Writer
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
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Reviewed byDavid C. Marlett, Ph.D., CPCU
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David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
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Car insurance in Tampa tends to run high, with drivers paying an average of $232 per month. Tampa’s mix of heavy traffic, extreme weather, a high number of uninsured motorists, and no-fault insurance laws drives local rates higher than average.[1]
Still, companies like Progressive and Mile Auto offer some of the cheapest coverage options in the area.
Here’s a look at the best auto insurance companies in Tampa, average rates by driver and coverage type, and what coverages you actually need to protect yourself on the road.
Key Takeaways
Progressive offers the cheapest auto insurance in Tampa, averaging 131 per month.
The average cost of liability car insurance in Tampa is $190, while full coverage costs an average of $275 per month.
Allstate and Farmers are our top picks for auto insurance in Tampa.
The Best Auto Insurance Companies in Tampa
No single auto insurance company is right for every driver in Tampa. The best company for you depends on your budget, driving history, and coverage needs. The following companies are our top picks based on a combination of average car insurance rates, coverage options, available discounts, and customer ratings and reviews.
| User Reviews | 4.1 |
|---|---|
| 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. | $240/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. | $336/mo |
4.1
Best choiceBased on 482 verified guest reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about Allstate
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
AI-generated from the text of verified reviews collected by Compare.com
Showing 3 Florida reviews for Tampa driversSee all 181 Allstate reviews
Verified Review
Reviewed in Florida on March 2, 2026
If I knew you were raising my rate by $150.00 per month, I would have paid the cost to repair my car. Very disappointing.
Verified Review
Reviewed in Florida on November 1, 2025
They lowered my coverage and raised my rate without informing me.
Verified Review
Reviewed in Florida on June 19, 2025
Dependable and somewhat affordable on Social Security income.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company
Allstate makes it easy to customize your full-coverage car insurance policy with options like extended warranty coverage, rideshare insurance, and rental reimbursement. Safe drivers can also take advantage of benefits such as accident forgiveness, a safe driving bonus, and a vanishing deductible.
Low-mileage drivers might save even more with Drivewise, its pay-per-mile insurance policy.
| User Reviews | 4.3 |
|---|---|
| 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. | 4.3 /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. | $108/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. | $214/mo |
4.3
Best choiceBased on 110 verified guest reviews and ratings
Farmers Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 4.0 | 2.9 |
How drivers feel about Farmers Insurance
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 57 Farmers Insurance reviews
Verified Review
Reviewed in Pennsylvania on October 13, 2025
Not happy with their rates. We have never had a claim, ever, and they raised my rate again.
Verified Review
Reviewed in Georgia on August 12, 2025
Overall, very good, but it costs more to limit coverage on an unused vehicle than to cover it. ???
Verified Review
Reviewed in Georgia on August 6, 2025
Communication wasn’t the greatest sometimes. Rates were competitive.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Tampa drivers can tailor their Farmers auto insurance policy to their specific needs with optional add-ons such as original equipment manufacturer parts, new car replacement, and custom equipment. Farmers also offers a variety of discounts for young drivers, including youthful driver, good student, sharing a family vehicle, and going away to college discounts.
| 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. | 4.6 /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. | $157/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. | $275/mo |
4.2
Best choiceBased on 702 verified guest reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing 14 Florida reviews for Tampa driversSee all 274 GEICO reviews
Verified Review
Reviewed in Florida on March 13, 2026
I've never had an accident with Geico, and I've been with them for a long time. However, they keep increasing my rates every 6 months.
Verified Review
Reviewed in Florida on February 28, 2026
Shop around after a few years; they slowly raise the rates.
Verified Review
Reviewed in Florida on January 7, 2026
My monthly payment is too high.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO offers rates that are more affordable than most companies, which can be a great benefit in the expensive Florida market. GEICO has fewer local agents in the Tampa area, but its online tools, fast quoting process, and solid list of coverages and discounts make it a good contender for budget-conscious drivers in Tampa.
That said, customers report poor customer service and frustration with GEICO’s claim processing and payments, according to Trustpilot reviews.
Pros
Affordable car insurance rates
Easy online quote process
Above-average customer satisfaction
Cons
Poor Trustpilot reviews
Below-average claims satisfaction
No gap insurance available
The Cheapest Car Insurance Quotes in Tampa
Finding the cheapest car insurance in Tampa doesn’t have to be stressful. You can usually get the best deal by comparing rates from multiple insurers and taking advantage of discounts.
Consider getting auto insurance quotes from the following companies, which offer some of the cheapest rates in Tampa, according to Compare.com data.
We sourced the data in this table from Compare.com users who indicated they're existing customers of the insurers you see here.
How Much Car Insurance Do You Need in Tampa?
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Car insurance isn’t optional in Tampa. Florida requires drivers to have certain types of auto insurance coverage to legally operate a vehicle. The state’s minimum requirements cover your injuries and property damage you cause to others in an accident, but don’t always provide enough protection for every situation.
Before choosing a policy, it helps to understand exactly what Florida law requires:
Personal injury protection (PIP): $10,000 per person
Property damage liability (PDL): $10,000 per accident
You should also consider bodily injury liability. Even though Florida is a no-fault state, meaning your own PIP coverage pays for your injuries regardless of fault, another driver could sue you if their medical expenses cost more than their PIP limit. Bodily injury can help pay for those extra costs.
Should you buy full-coverage insurance in Tampa?
Full-coverage insurance usually includes liability, comprehensive, and collision coverage in a single policy. For most Tampa drivers, it’s worth the extra cost because it helps pay for your vehicle repairs after common losses, like accidents, storm damage, theft, and vandalism.
It makes the most sense if you lease or finance your car, or if your car’s still worth a decent amount. Drivers with older, low-value, paid-off vehicles may be among the few who don’t need it.
Optional car insurance coverages can provide extra protection. Here are a few options to consider:
Comprehensive coverage pays for non-collision claims like animal and weather damage, theft, broken glass, flying objects, and vandalism.
Collision insurance covers your vehicle repairs after a single-vehicle rollover or crash.
Uninsured/underinsured motorist coverage pays for damage caused to your vehicle by another driver who doesn’t have insurance (or enough coverage).
Rental reimbursement helps cover the cost of a rental while the repair shop fixes your vehicle after an accident.
Roadside assistance covers things like flat tires, key lockouts, battery jump-starts, and towing.
Estimated Cost: $187 per month
Category | Price |
|---|---|
| $78 | 3.9% |
| $96 | 5.3% |
| $115 | 7.0% |
| $133 | 7.9% |
| $152 | 7.9% |
| $171 | 8.4% |
| $189 | 7.6% |
| $208 | 7.5% |
| $227 | 6.8% |
| $245 | 5.8% |
| $264 | 5.5% |
| $282 | 4.8% |
| $301 | 4.0% |
| $320 | 3.7% |
| $338 | 3.1% |
| $357 | 2.9% |
| $376 | 2.4% |
| $394 | 2.0% |
| $413 | 1.9% |
| $431 | 1.6% |
40.4% of drivers like you pay less for car insurance. Compare quotes to save up to $1308 per year.
We sourced the figures you see here from Compare.com's database of more than 58 million real-life car insurance quotes. Actual rates may vary based on your unique driver profile.
Cheapest Car Insurance in Tampa by Driver and Coverage Type
Auto insurance rates in Tampa can vary quite a bit based on factors like your age, credit history, coverage choices, driving record, and vehicle type. That’s why it’s important to understand average rates for drivers with similar profiles — it can help you quickly determine if a company is offering a good price.
Check out the table below for the cheapest insurer in Tampa for different drivers and coverage types, according to Compare.com data.
Driver or Coverage Type  | Cheapest Insurer |
|---|---|
| State-minimum coverage | Progressive |
| Full coverage | State Farm |
| Drivers with a speeding ticket | Progressive |
| Drivers with an at-fault accident | Progressive |
| Drivers with a DUI | Progressive |
| Teens | Progressive |
| Seniors | Progressive |
| Drivers with excellent credit | Progressive |
| Drivers with poor credit | Progressive |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Cheapest liability-only coverage in Tampa: Progressive
State-minimum coverage meets Florida car insurance requirements, but it doesn’t cover your own vehicle repairs. The average cost of minimum coverage in Tampa is $190 per month. It’s best for drivers with older cars or those who don’t have significant assets at risk if another driver sues after an accident.
The chart below shows the cheapest insurers in Tampa for basic liability coverage, according to Compare.com data.
The below rates in Tampa, FL, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Cheapest Liability Rates by Company
Company | Average Monthly Premium |
|---|---|
| Progressive | $131 |
| Mile Auto | $138 |
| State Farm | $138 |
| Clearcover | $139 |
| GEICO | $157 |
| Dairyland | $160 |
| Embark | $173 |
| Infinity | $180 |
| Mercury | $194 |
| Direct Auto | $197 |
| GAINSCO | $198 |
| The General | $208 |
| Bristol West | $224 |
| National General | $237 |
| Allstate | $240 |
| Root | $240 |
| AssuranceAmerica | $241 |
| Travelers | $286 |
| Mendota | $364 |
| First Acceptance | $375 |
| Liberty Mutual | $380 |
Cheapest full coverage: State Farm
Full-coverage policies typically include collision and comprehensive coverage, along with higher liability insurance limits. This type of car insurance is best if you have assets to protect, a lease or loan on your vehicle, or want help paying for vehicle repairs after a loss. In Tampa, full-coverage car insurance costs an average of $275 per month.
Let’s take a look at the chart below to see which insurers offer the cheapest full coverage in Tampa, according to Compare.com data.
The below rates in Tampa, FL, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Cheapest Full-Coverage Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $193 |
| Progressive | $202 |
| Mile Auto | $220 |
| Mercury | $257 |
| National General | $273 |
| GEICO | $275 |
| Direct Auto | $288 |
| Clearcover | $290 |
| Bristol West | $312 |
| Infinity | $329 |
| Allstate | $336 |
| The General | $339 |
| Embark | $362 |
| AssuranceAmerica | $375 |
| Root | $384 |
| Travelers | $398 |
| GAINSCO | $405 |
| Liberty Mutual | $421 |
| Dairyland | $454 |
| First Acceptance | $484 |
| Mendota | $492 |
Compare Real-Time Car Insurance Quotes in Tampa
Rates in Tampa start at $131 per month.
Excellent
4.7 out of 5 based on 673 reviews
Secure. Free. Easy-to-use.
Cheapest after a speeding ticket: Progressive
Getting a speeding ticket signals to insurers that you’re at a higher risk of filing a claim, even if it’s your first violation. Drivers in Tampa with a recent ticket pay an average of $270 per month.
Switching to an insurer that charges more affordable rates after a ticket can help you avoid steep rate hikes. The chart below shows Tampa’s cheapest insurers for drivers with a recent ticket, according to Compare.com data.
The below rates in Tampa, FL, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Cheapest Rates With a Ticket
Company | Average Monthly Premium |
|---|---|
| Progressive | $153 |
| Mile Auto | $162 |
| State Farm | $169 |
| Clearcover | $171 |
| Dairyland | $192 |
| GEICO | $199 |
| Embark | $202 |
| Infinity | $222 |
| GAINSCO | $229 |
| Direct Auto | $239 |
| Mercury | $260 |
| The General | $270 |
| Bristol West | $273 |
| National General | $286 |
| AssuranceAmerica | $297 |
| Allstate | $302 |
| Root | $310 |
| Travelers | $359 |
| Mendota | $424 |
| First Acceptance | $437 |
| Liberty Mutual | $468 |
Cheapest after an accident: Progressive
Causing an accident means you’re likely to get into another crash, which makes you a high-risk driver in the eyes of insurance companies and raises your premiums. The average cost of car insurance in Tampa for people with a recent at-fault accident is $296 per month.
Fortunately, you don’t have to accept the increase. Switching to an insurer that offers more competitive rates for drivers with recent accidents can help lower your costs. The chart below highlights some of the cheapest options for Tampa drivers with an at-fault accident, according to Compare.com data.
The below rates in Tampa, FL, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Cheapest Rates With an Accident
Company | Average Monthly Premium |
|---|---|
| Progressive | $167 |
| State Farm | $180 |
| Mile Auto | $183 |
| Clearcover | $195 |
| GEICO | $203 |
| Dairyland | $208 |
| Embark | $221 |
| Infinity | $235 |
| GAINSCO | $250 |
| Direct Auto | $264 |
| The General | $282 |
| Mercury | $286 |
| Bristol West | $291 |
| National General | $311 |
| AssuranceAmerica | $315 |
| Allstate | $317 |
| Root | $318 |
| Travelers | $380 |
| Mendota | $464 |
| First Acceptance | $478 |
| Liberty Mutual | $497 |
Cheapest after a DUI: Progressive
A driving under the influence (DUI) conviction is the most serious violation you can get, often causing auto insurance rates to spike dramatically because it greatly increases your chances of causing a crash. In Tampa, drivers with a recent DUI pay a monthly average of $304.
The good news is that you can often limit rate increases by switching to a car insurance company that specializes in high-risk drivers. The following chart breaks down the cheapest Tampa insurers for drivers with a DUI, according to Compare.com data.
The below rates in Tampa, FL, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Cheapest Rates With a DUI
Company | Average Monthly Premium |
|---|---|
| Progressive | $172 |
| Mile Auto | $190 |
| State Farm | $190 |
| Clearcover | $191 |
| GEICO | $214 |
| Dairyland | $220 |
| Embark | $227 |
| Infinity | $248 |
| Direct Auto | $271 |
| GAINSCO | $273 |
| The General | $276 |
| Mercury | $284 |
| Bristol West | $308 |
| National General | $326 |
| Allstate | $330 |
| AssuranceAmerica | $332 |
| Root | $333 |
| Travelers | $394 |
| Mendota | $478 |
| First Acceptance | $492 |
| Liberty Mutual | $523 |
Cheapest for teens: Progressive
Teen drivers often face the highest car insurance rates because inexperience and immaturity can lead to risky behaviors, like speeding and distracted driving, that increase crash risk.[7] The average insurance rate for teens in Tampa is $395 per month.
But that doesn’t mean you’re stuck paying sky-high premiums if you have a young driver on your policy. The following companies offer some of the cheapest rates for teen drivers in Tampa, according to Compare.com data.
The below rates in Tampa, FL, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Cheapest Rates For Teens
Company | Average Monthly Premium |
|---|---|
| Clearcover | $220 |
| Progressive | $223 |
| State Farm | $261 |
| Dairyland | $270 |
| GEICO | $275 |
| Mile Auto | $277 |
| Embark | $295 |
| Infinity | $302 |
| GAINSCO | $342 |
| Mercury | $344 |
| The General | $362 |
| Direct Auto | $372 |
| Bristol West | $385 |
| Root | $404 |
| National General | $461 |
| Allstate | $462 |
| AssuranceAmerica | $486 |
| Travelers | $581 |
| Mendota | $620 |
| First Acceptance | $639 |
| Liberty Mutual | $645 |
Cheapest for seniors: Progressive
Seniors typically spend less time on the road and have extensive driving experience, which means they file fewer claims. That leads to some of the cheapest rates of any age group. Tampa seniors pay an average of $210 per month for auto insurance. But you can often find an even better insurer if you know where to look.
Check out the chart below for the cheapest insurers for seniors in Tampa, according to Compare.com data.
The below rates in Tampa, FL, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Cheapest Rates For Seniors
Company | Average Monthly Premium |
|---|---|
| State Farm | $111 |
| Mile Auto | $112 |
| Progressive | $118 |
| Clearcover | $126 |
| GEICO | $128 |
| Infinity | $134 |
| Dairyland | $139 |
| Embark | $156 |
| Mercury | $158 |
| Direct Auto | $166 |
| GAINSCO | $173 |
| The General | $182 |
| National General | $191 |
| Bristol West | $192 |
| AssuranceAmerica | $194 |
| Allstate | $200 |
| Root | $206 |
| Travelers | $234 |
| Liberty Mutual | $324 |
| Mendota | $329 |
| First Acceptance | $339 |
Cheapest for bad credit: Progressive
Drivers with poor credit often pay higher car insurance rates because insurers see them as a higher risk for claims. The average monthly rate for drivers with bad credit in Tampa is $290.
Not all insurance companies in the Tampa Bay area consider credit when setting rates, and some still offer cheap premiums regardless of credit history. We highlight the cheapest insurers in Tampa for drivers with poor credit in the table below.
The below rates in Tampa, FL, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Cheapest Rates With Bad Credit
Company | Average Monthly Premium |
|---|---|
| Progressive | $164 |
| Mile Auto | $170 |
| Clearcover | $172 |
| GEICO | $194 |
| Dairyland | $197 |
| State Farm | $199 |
| Embark | $216 |
| Infinity | $222 |
| Mercury | $238 |
| Direct Auto | $243 |
| GAINSCO | $244 |
| The General | $257 |
| Bristol West | $276 |
| National General | $293 |
| Allstate | $296 |
| Root | $296 |
| AssuranceAmerica | $297 |
| Travelers | $353 |
| Mendota | $455 |
| Liberty Mutual | $455 |
| First Acceptance | $469 |
Find the Best Company for You
Local rates start as low as $131 per month.
Excellent
4.7 out of 5 based on 673 reviews
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Tampa Auto Insurance FAQs
Here are answers to common questions people ask about Tampa car insurance.
How much is car insurance in Tampa?
The average cost of car insurance coverage in Tampa is $232 per month. Liability-only coverage costs an average of $190 per month, while full coverage averages $275, according to Compare.com data.
What’s the cheapest auto insurance company in Tampa?
The cheapest auto insurance company in Tampa is Progressive, with an average monthly rate of $131, according to Compare.com data.
What’s the best car insurance company in Tampa?
The best car insurance company in Tampa depends on what you want in an insurer — no company will be the best option for every driver. That said, Allstate, Farmers, and GEICO stand out as some of the best insurers for Tampa drivers. Consider what’s most important to you and get a quote to determine which insurer best meets your needs.
Is car insurance in Tampa expensive?
Car insurance rates depend on several factors, including age, address, driving history, and more. Insurance premiums in Tampa average $232 per month. The Florida average is $177, while rates average $140 nationally, according to Compare.com data.
Is minimum coverage enough in Tampa?
No. Most experts agree that minimum coverage is usually not enough in Tampa. Florida only requires $10,000 in PDL, but the average new vehicle costs over $50,000.[8] If you total a newer car and only have state minimum PDL, you could be held responsible for paying the difference out of pocket.
Sources
- Florida Department of Highway Safety and Motor Vehicles. "Uninsured Motorist Rate."
- Trustpilot. "Allstate Reviews."
- Jdpower.com. "2025 U.S. Auto Claims Satisfaction Study."
- App Store. "Allstate Mobile App."
- Jdpower.com. "2025 U.S. Insurance Digital Experience Study."
- Jdpower.com. "2025 U.S. Auto Insurance Study."
- Iihs.org. "Teenagers."
- Kelley Blue Book. "New Record: Average New Car Prices Surpasses $50,000."
Methodology
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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The Cheapest Auto Insurance in Fort Myers, FL, in 2026
The average car insurance rate in Fort Myers is $232 per month, compared to Florida’s statewide average of $258. Luckily, cheaper options exist in the Sunshine State — let’s take a closer look.
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The Cheapest Auto Insurance in Orlando in 2026
Drivers in Orlando pay, on average, $132 a month for their car insurance. To learn more about car insurance rates in the Orlando area, read our guide below.
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The Cheapest Auto Insurance in St. Petersburg in 2026
Between tourist traffic and hurricane risks, St. Petersburg car insurance isn’t cheap, at $182 per month. But Progressive consistently offers the city’s lowest rates, averaging $103 per month.
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The Cheapest Auto Insurance in Fort Lauderdale, Florida, in 2026
State Farm has the cheapest insurance in Fort Lauderdale, with an average monthly premium of just $86. Still, you have plenty of ways to save on your premiums — we’ll show you how.
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The Cheapest Auto Insurance in West Palm Beach in 2026
State Farm is among the cheapest car insurance companies in West Palm Beach. Find out how your driving profile, age, coverages, and insurance company affect your premiums.
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Punta Gorda, FL Car Insurance
On average, Punta Gorda drivers pay around $85 a month for their car insurance. We cover plan rates, policies and more in our guide below.
Sanford, FL Car Insurance
The average cost for car insurance in Sanford is about $106 a month. To learn more about car insurance rates in the Sanford area, read our guide below.
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Boynton Beach, FL Car Insurance
On average, Boynton Beach drivers pay a monthly average rate of around $173 for their car insurance. For more information refer to our guide below.
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Hialeah, FL Car Insurance
Drivers in Hialeah pay, on average, $179 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Coral Springs, FL Car Insurance
Residents of Coral Springs pay around $145 monthly for their car insurance coverage. For more information refer to our guide below.
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Miami Beach, FL Car Insurance
On average, Miami Beach drivers pay around $122 a month for their car insurance. Read our guide below to learn more about your specific rates.
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Homestead, FL Car Insurance
On average, Homestead drivers pay around $174 a month for their car insurance. To find out more check out our guide below.
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Eustis, FL Car Insurance
Drivers in Eustis pay, on average, $99 a month for their car insurance. For more information refer to our guide below.
Spring Hill, FL Car Insurance
The average cost for car insurance in Spring Hill is about $121 a month. Check out our guide below to find out how much you'll pay.
Holiday, FL Car Insurance
Residents of Holiday pay, on average, about $131 per month for car insurance. To learn more about policy rates and coverage in the Holiday area, continue reading our guide below.
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The Cheapest Auto Insurance Companies in Cape Coral, Florida, in 2026
Progressive is the cheapest insurer in Cape Coral. But your personal rates will likely vary widely based on factors like your age, driving record, credit history, and the type of vehicle you drive.
Sarasota, FL Car Insurance
Drivers in Sarasota pay around $97 a month for their car insurance. Read our guide below to learn more about your specific rates.
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Wellington, FL Car Insurance
The average monthly cost for car insurance in Wellington is about $149. To learn more about policy rates and coverage in the Wellington area, continue reading our guide below.
North Miami Beach, FL Car Insurance
Residents of North Miami Beach pay around $114 monthly for their car insurance coverage. To find out more check out our guide below.
Cocoa, FL Car Insurance
On average, drivers in Cocoa pay around $106 per month for their car insurance. To learn more about what you're likely to pay in the Cocoa area, read our guide below.
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Winter Springs, FL Car Insurance
On average, drivers in Winter Springs pay around $107 per month for their car insurance. For more information refer to our guide below.
Oviedo, FL Car Insurance
On average, Oviedo drivers pay a monthly average rate of around $106 for their car insurance. To learn more about policy rates and coverage in the Oviedo area, continue reading our guide below.
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Venice, FL Car Insurance
Venice drivers pay, on average, around $83 a month for their car insurance. Learn more in our handy guide below.
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The Cheapest Auto Insurance Companies in Gainesville, Florida, in 2026
While Progressive offers the most affordable rates in Gainesville, your personal premium will likely differ based on your driving record, age, and other individual factors.
Pompano Beach, FL Car Insurance
Residents of Pompano Beach pay, on average, about $152 per month for car insurance. We cover plan rates, policies and more in our guide below.
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Saint Augustine, FL Car Insurance
The average cost for car insurance in Saint Augustine is about $86 a month. For information on policy rates, coverage, and more check out our guide below.
Clermont, FL Car Insurance
Drivers in Clermont pay around $111 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Bradenton, FL Car Insurance
Residents of Bradenton pay around $107 monthly for their car insurance coverage. To learn more about car insurance rates in the Bradenton area, read our guide below.
Vero Beach, FL Car Insurance
Vero Beach drivers pay, on average, around $99 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Deltona, FL Car Insurance
Residents of Deltona pay, on average, about $100 per month for car insurance. Check out our guide below to find out how much you'll pay.
New Port Richey, FL Car Insurance
Residents of New Port Richey pay, on average, about $131 per month for car insurance. To find out more check out our guide below.
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The Cheapest Auto Insurance Companies in Jacksonville, Florida, in 2026
Progressive offers the cheapest car insurance rates in Jacksonville, but your personal rates will vary based on factors like your driving history, age, and coverage needs.
Pinellas Park, FL Car Insurance
Residents of Pinellas Park pay around $139 monthly for their car insurance coverage. We cover plan rates, policies and more in our guide below.
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Port Orange, FL Car Insurance
Residents of Port Orange pay around $92 monthly for their car insurance coverage. To learn more about car insurance rates in the Port Orange area, read our guide below.
Saint Cloud, FL Car Insurance
On average, drivers in Saint Cloud pay around $110 per month for their car insurance. For more information refer to our guide below.
Brandon, FL Car Insurance
The average monthly cost for car insurance in Brandon is about $156. Read our guide below to learn more about your specific rates.
Altamonte Springs, FL Car Insurance
Residents of Altamonte Springs pay, on average, about $109 per month for car insurance. To learn more about policy rates and coverage in the Altamonte Springs area, continue reading our guide below.
Palm Beach Gardens, FL Car Insurance
On average, Palm Beach Gardens drivers pay around $128 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Milton, FL Car Insurance
The average cost for car insurance in Milton is about $96 a month. To learn more about car insurance rates in the Milton area, read our guide below.
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The Cheapest Auto Insurance Companies in Clearwater, Florida, in 2026
Clearwater drivers can find the cheapest auto insurance with Progressive, but your personal rates may vary depending on your unique situation.
Plant City, FL Car Insurance
On average, Plant City drivers pay around $119 a month for their car insurance. To learn more about car insurance rates in the Plant City area, read our guide below.
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Wesley Chapel, FL Car Insurance
Drivers in Wesley Chapel pay, on average, $115 a month for their car insurance. To learn more about policy rates and coverage in the Wesley Chapel area, continue reading our guide below.
Winter Haven, FL Car Insurance
Drivers in Winter Haven pay around $125 a month for their car insurance. For more information refer to our guide below.
Palm Harbor, FL Car Insurance
On average, Palm Harbor drivers pay around $135 a month for their car insurance. To learn more about what you're likely to pay in the Palm Harbor area, read our guide below.
Miami Gardens, FL Car Insurance
The average monthly cost for car insurance in Miami Gardens is about $199. We cover plan rates, policies and more in our guide below.
Largo, FL Car Insurance
Drivers in Largo pay, on average, $110 a month for their car insurance. To learn more about car insurance rates in the Largo area, read our guide below.
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The Cheapest Auto Insurance Companies in Melbourne, Florida, in 2026
Progressive offers the most affordable car insurance rates in Melbourne, though your personal rates will vary based on your driving history, age, and coverage needs.
Lake Worth, FL Car Insurance
On average, drivers in Lake Worth pay around $192 per month for their car insurance. Learn more in our handy guide below.
North Port, FL Car Insurance
Residents of North Port pay around $97 monthly for their car insurance coverage. For information on policy rates, coverage, and more check out our guide below.
Hollywood, FL Car Insurance
Residents of Hollywood pay, on average, about $156 per month for car insurance. To find out more check out our guide below.
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Orange Park, FL Car Insurance
Drivers in Orange Park pay around $108 a month for their car insurance. To find out more check out our guide below.
Delray Beach, FL Car Insurance
The average monthly cost for car insurance in Delray Beach is about $159. Read our guide below to learn more about your specific rates.
Deerfield Beach, FL Car Insurance
Drivers in Deerfield Beach pay around $151 a month for their car insurance. To learn more about what you're likely to pay in the Deerfield Beach area, read our guide below.
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The Cheapest Auto Insurance Companies in Ocala, Florida, in 2026
Progressive offers the most affordable car insurance in Ocala, but your personal rates may differ based on factors like your driving record, age, and coverage needs.
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The Cheapest Auto Insurance Companies in Pensacola, Florida, in 2026
Progressive offers the lowest average rates in Pensacola, but your premium depends on personal factors like your driving history, credit history, and vehicle type.
Palm Bay, FL Car Insurance
The average cost for car insurance in Palm Bay is about $96 a month. Read our guide below to learn more about your specific rates.
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The Cheapest Auto Insurance Companies in Daytona Beach, Florida, in 2026
Progressive offers the cheapest car insurance rates in Daytona Beach, but it won’t be the most affordable option for every driver.
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What is Florida Stacked Insurance?
In Florida, uninsured motorists are all over the roads. How can stacked auto insurance help protect you? Read more & compare quotes for free.
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Learn more about us, our team, and what makes us tick.
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Mandy SleightInsurance Writer
Lequita WestbrooksSenior Editor
David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
