Best Car Insurance in Florida

How to get the best coverage

We publish unbiased reviews; our opinions are our own and are not influenced by payments from advertisers. Learn about our independent review process and partners in our advertiser disclosure.

Auto insurance provides important financial and legal protection for drivers in Florida. If you’re caught driving uninsured in Florida, you face steep fines and license suspension. Yet Florida has the highest uninsured rate in the nation; nearly 27% of Florida drivers are estimated to lack an insurance policy. That may be partly because car insurance in Florida is pricey when compared to other states, having the third-highest average of all states. 

You may also pay more than that if you live in an expensive city or have bad credit or accidents on your record. But it’s also possible to pay less. The best way to find the cheapest car insurance for you is to compare quotes from different insurance companies, but if you need a place to start, we’ve evaluated more than a dozen car insurance companies based on affordability, coverage, available discounts, financial strength, and customer satisfaction to select the best providers for several unique situations. 

Read on for our expert-chosen list of the best car insurance companies in Florida.

Best Car Insurance Options for Florida Residents in 2021

Best Overall : Allstate


Allstate

 Allstate

Why We Chose It: Allstate has top customer satisfaction and financial strength ratings along with a variety of discounts available to drivers.

What We Like:
  • Winner of J.D. Power’s 2020 Auto Insurance Study for customer satisfaction in Florida

  • A+ financial strength rating from AM Best

  • A variety of discounts for safe driving and more

  • Pay-per-mile insurance available

What We Don’t Like:
  • Pricier than other Florida insurance companies on average

  • No anonymous online quotes

  • Higher than average number of complaints with the NAIC

Allstate has been in business since 1931 and has an A+ financial strength rating from AM Best. The provider also won the top ranking for customer satisfaction in J.D. Power’s 2020 Auto Insurance Study for Florida, indicating that Allstate is a reliable insurer in the state despite a slightly higher-than-average number of complaints with the National Association of Insurance Commissioners (NAIC). 

You can’t get an anonymous quote online, so you’ll need to enter your personal information to see pricing, but Allstate tends to be pricier than other insurers in Florida. Still, the variety of discounts Allstate offers could make it the cheapest option for some drivers. For instance, Allstate Milewise is available in Florida, which allows you to pay a low daily rate plus a per-mile rate, helping you save if you drive infrequently. And the Allstate Drivewise program can help you get cashback for safe driving behavior. In addition, Allstate has smart student discounts, new car discounts, multi-policy discounts, and more. 

Read our Allstate Car Insurance review for more details.

Best Full Coverage : State Farm


State Farm

 State Farm

Why We Chose It: State Farm is known for having affordable rates for full coverage and superior financial strength ratings.

What We Like:
  • Affordable rates for comprehensive and collision coverage

  • A++ financial strength rating from AM Best

  • Bundling and other discounts available

What We Don’t Like:
  • No anonymous online quotes

  • Below average customer satisfaction ratings

State Farm stands out for its superior (A++) financial strength rating from AM Best and its affordable rates on full coverage for a variety of types of drivers. Your individual rate will depend on your location, age and gender, driving history, credit score, and other information, and you’ll need to provide your Social Security number to get a quote online. In addition to auto insurance, State Farm offers several other types of policies, and you can get a discount if you sign up for more than one. There are also safe driving and safe vehicle discounts available. 

Founded in 1922, State Farm is the largest U.S. auto insurer and issues policies nationwide. The insurer’s customer satisfaction rating with J.D. Power is below average for the industry, and they have a slightly higher-than-average number of complaints with the NAIC. However, their affordable premiums and available discounts may be appealing enough for you to consider them anywhere. Many insurers scored below State Farm in the study and have many more complaints with the NAIC. 

Read our State Farm review for more details.

Best Liability : GEICO


GEICO

 GEICO

Why We Chose It: GEICO offers the cheapest state minimum liability coverage in Florida for most types of drivers. The company also has excellent customer satisfaction and financial strength ratings.

What We Like:
  • Affordable premiums for liability coverage in Florida

  • A++ financial strength rating with AM Best

  • Ranked second in J.D. Power’s 2020 Auto Insurance Study

  • Numerous discounts available

What We Don’t Like:
  • No anonymous online quotes

  • Higher than average number of complaints with the NAIC

Most drivers with a clean record and good credit will find that GEICO will be one of their cheapest options for state minimum liability coverage, which provides $10,000 in personal injury protection and $10,000 in property damage liability coverage. But your customized quote will depend on several factors, including your age and credit-based insurance score, and you’ll need to provide your Social Security number to get a quote online. 

Drivers looking for the cheapest car insurance in Florida will find that GEICO not only offers affordable quotes but also a variety of discounts. These include safe driving discounts, vehicle equipment discounts, and multi-policy discounts. 

Founded in 1936, GEICO has an A++ financial strength rating with AM Best. It was ranked second in J.D. Power’s 2020 Auto Insurance Study for customer satisfaction, although the insurer has twice the number of complaints expected for a company of its size, according to the NAIC. 

Read our GEICO Car Insurance review for more details.

Best for Bad Driving Record or Bad Credit : Bristol West


Bristol West

 Bristol West

Why We Chose It: Bristol West had some of the best rates in several cities for people with bad credit or accidents and/or DUIs on their record.

What We Like:
  • Affordable rates

  • Easy online quotes

What We Don’t Like:
  • Triple the average number of complaints for a company of its size with the NAIC

Bristol West provides affordable insurance policies for people with poor credit or a bad driving record. For example, a 30-year-old male driving a 2012 Honda Accord in Sarasota who has poor credit is estimated to pay just $73/month. And a 40-year-old male in Ft. Lauderdale with two at-fault accidents and a DUI would pay $188/month. That’s significantly less than other companies when it comes to insuring high-risk drivers. 

In addition to their already low rates, Bristol West offers discounts for drivers, such as payment discounts, multi-policy discounts, and safe driver discounts. It’s easy to get a quote online, and once you sign up, you’ll have 24/7 access to your policy.

Founded in 1973, Bristol West has an A- financial strength rating from AM Best and is not rated by J.D. Power. The company’s main drawback is its complaint index with the NAIC, which indicates three times the average number of complaints about a company of its size. Still, some other high-risk insurers, like Kemper and Direct Auto, have many more complaints.

Best for New Drivers : Liberty Mutual


Liberty Mutual

 Liberty Mutual

Why We Chose It: Liberty Mutual offers affordable rates plus good student discounts and student away-at-school discounts for new drivers.

What We Like:
  • Student discounts

  • Great customer satisfaction ratings

  • Easy online quotes

What We Don’t Like:
  • Not the cheapest premiums

  • Higher than average number of complaints with the NAIC

Of the major insurers, Liberty Mutual offers some of the most affordable rates to new drivers, but you may be able to get cheaper premiums if you go with Bristol West or Kemper. Still, Liberty Mutual offers both a good student discount and a student away-at-school discount, which could appeal to many young drivers. Our quote for a 20-year-old male driving a 2012 Honda Accord in Ft. Lauderdale with one to two years of driving experience was $366/month. 

Liberty Mutual offers both easy online quotes (along with an online quote discount) and an online claims process, or you can choose to talk to an agent. 

Liberty Mutual has been in business since 1912 and has an A financial strength rating with AM Best. The company also stood out because it ranked fourth for Florida in J.D. Power’s 2020 Auto Insurance Study. However, Liberty Mutual has more than three times the average number of complaints about a company of its size with the NAIC. Still, the company is well-respected and offers several coverage add-ons that may appeal to new drivers. 

Read our full Liberty Mutual review for more details.

Most Affordable : Progressive


Progressive

 Progressive

Why We Chose It: On average and in most cities in Florida, Progressive offers the cheapest premiums for low-risk drivers.

What We Like:
  • Affordable premiums for low-risk drivers

  • A+ financial strength rating from AM Best

What We Don’t Like:
  • No anonymous online quotes

  • Average customer satisfaction ratings from J.D. Power

Across most cities in Florida, Progressive offers the cheapest premiums for low-risk drivers seeking liability insurance, according to quotes from Insurify. For a 30-year-old male driving a 2012 Honda Accord, Progressive can offer an average premium of $65/month. However, if you are a new driver or have bad credit or a bad driving record, you might get better rates from a different provider. 

You can get a quote online with Progressive, but you’ll need to enter your Social Security number. You can also get a quote by phone. 

Progressive also offers several attractive discounts to policyholders, including payment discounts, student discounts, and multi-policy discounts. And if you know your budget for car insurance, the Name Your Price tool can help you find a policy that meets your needs

Progressive has just about average customer satisfaction ratings in J.D. Power’s 2020 Auto Insurance Study for Florida, and the company has an about-average number of complaints with the NAIC. But Progressive has been in business since 1937 and is financially strong with an A+ rating from AM Best. 

Read our full Progressive Car Insurance review for more details.

Compare Providers

Best Car Insurance in Florida
Insurer Why We Picked It AM Best Financial Strength Rating Discounts/Features
Allstate Great financial strength and customer satisfaction ratings A+ Mileage-based insurance, cash back for safe driving, multi-policy discounts, and more
State Farm Affordable rates for full coverage and great financial strength ratings A++ Safe driving, safe vehicle, and multi-policy discounts
GEICO Universally low rates for liability coverage A++ Safe driving, vehicle equipment, and multi-policy discounts
Bristol West Cheapest rates for high-risk drivers A- Payment discounts, safe driver discounts, and more
Liberty Mutual Affordable rates for new drivers and discounts for students A Good student discount, student away-at-school discount, and more
Progressive Cheapest premiums on average for Florida A+ Youth discounts, loyalty discounts, safety discounts, and payment discounts

Final Verdict

Car insurance quotes are based on many individual factors, so the best way to find the cheapest premium for you is to compare customized quotes. But if you need someplace to start, you can explore companies like Progressive, GEICO, and State Farm for affordable rates for low-risk drivers. Consider Bristol West if you have a bad driving record or poor credit, and get a quote from Allstate if you want superior customer service and the option for pay-as-you-go insurance.

FAQs

Why Is Car Insurance in Florida So Expensive?

Most auto insurance studies put Florida as one of the most expensive states for premiums. The following factors are to blame for the state’s high rates:

  • A large population and busy streets
  • A large share of uninsured motorists
  • A large number of high-risk drivers (young, elderly, and tourists)
  • A risk of hurricanes

These factors all lead to a higher number of claims, which raises insurance rates. There were more than 336,000 crashes in Florida in 2020, according to the Florida Highway Safety and Motor Vehicles Department. 

What Are the Minimum Car Insurance Requirements in Florida?

To drive legally in Florida, you must carry at least $10,000 in personal injury protection (PIP) and at least $10,000 in property damage liability coverage (PDL). PIP pays for medical treatments for covered injuries, no matter who was at fault, while PDL pays for property damage due to an accident you caused. 

What Is the Penalty for Driving Uninsured in Florida?

If you’re caught driving without proof of auto insurance in Florida, you face losing your driver’s license and license plates for up to three years. Once you have the required insurance, you’ll need to pay a reinstatement fee of up to $500 to get your license and registration back. 

How We Chose the Best Car Insurance in Florida

We compared more than a dozen car insurance providers in Florida based on affordability for different types of drivers and coverage, available discounts and features, financial strength, and customer satisfaction. We also paid attention to each company’s complaint index with the NAIC, eliminating the companies with the highest complaint indices. 

All of our top picks had affordable rates and were reliable companies with high financial strength ratings.

Article Sources

  1. Insurance Information Institute, Inc. "Facts + Statistics: Uninsured Motorists." Accessed Jan. 22, 2021.

  2. Florida Highway Safety and Motor Vehicles Department. "Crash Dashboard." Accessed Jan. 22, 2021.

  3. Florida Highway Safety and Motor Vehicles Department. "Florida Insurance Requirements." Accessed Jan. 22, 2021.