The Best Auto Insurance in Florida 2025

There’s a reason State Farm is the largest auto insurance provider in the country. State Farm offers affordable rates, extensive coverage options, and a long list of varied discounts to fit your unique needs. Look no further if you’re seeking a trusted provider with excellent regional customer service ratings, as well as lower-than-average rates.

Sizeable Discounts

On average, the costs for insurance in Florida are some of the highest in the country. You can help bring those costs down with one or more of State Farm’s many discount opportunities in Florida by:

• Completing the Steer Clear Safe Driver program (drivers under 25)
• Driving a 1993 or older vehicle with factory-installed airbags (up to 40 percent off)
• Insuring multiple vehicles
• Bundling homeowners, renters, condo, or life insurance
• Taking a defensive driving course (5 percent off)
• Installing an anti-theft system
• Being a student with a GPA of 3.0 or higher
• Attending school full-time at least 100 miles away and leaving the car at home
• Enrolling in Drive Safe & Save (up to 30 percent off)
• Having an accident-free record
• Owning your home (whether or not you insure it with State Farm)

Excellent Third-Party Ratings

You can assess a provider’s financial trustworthiness and customer service track record by looking at its third-party ratings. And when it comes to financial strength and claims satisfaction, State Farm performs well.

State Farm received an A++ (Superior) rating from AM Best, meaning it has the financial clout to fulfill claims.³ Financial strength is one of the most important factors to consider in a provider, since it dictates whether your insurer will pay for covered repairs.

In J.D. Power’s Auto Claims Satisfaction Study, State Farm scored 13 points above the average. The study surveyed over 9,000 customers who filed claims between October 2023 and August 2024.⁴ Insurance providers with the highest scores in this study had excellent communication with customers and provided accurate timelines for when damaged vehicles would be returned.

Extensive Coverage Options

Although Florida’s minimum coverage limits are only $10,000 for property damage per accident and $10,000 personal injury protection per person/accident, we recommend getting more coverage if you can afford it. That means increasing your limits and adding bodily injury liability and uninsured/underinsured motorist coverage, at the very least.

If you’re seeking additional coverage options, you can also add on one of the following:

• Rental car reimbursement: When your car is in the shop during a repair and you need a rental, State Farm will reimburse you or pay for the rental car itself.
• Classic car insurance: Because classic cars increase in value over time rather than depreciate, you typically need to come to an agreement with your State Farm agent on the value of the car and insurance.
• Travel expenses coverage: This type of coverage will help with meals, lodging, and transportation if you get into an accident more than 50 miles away from home.
• Personal umbrella coverage: Umbrella insurance helps pay for costs when your original limits are exhausted. It can cover auto insurance, homeowners, boat insurance, and other types of insurance.
• Emergency roadside service: If you run out of gas, have a flat tire, or need a jump-start, State Farm will send an emergency roadside service member to help.
• Rideshare insurance: You need additional rideshare insurance on top of your personal coverage if you’re driving for a rideshare service.
• Payoff Protector program: This is State Farm’s version of gap insurance in Florida, which will pay off your auto loan if your vehicle is totaled/stolen and you owe more than the car’s depreciated value. You must finance your vehicle through State Farm to qualify.

Founded in 1936, GEICO began selling as an insurance company for government employees and military members. Today, the company has expanded its services, offering auto insurance coverage to the public. GEICO boasts the lowest rates for families with a teen driver on their policy in Florida, along with other high-risk driving profiles. It also offers the cheapest premiums for liability coverage.

Cheap Rates for Teen Drivers

Teens are considered high-risk drivers since they’re more likely to get into car accidents, meaning providers charge higher premiums to insure them. Fortunately, GEICO provides the lowest rates in Florida for families with young drivers. With GEICO, you can expect to pay an average of $5,109 per year when you have a teen on your full coverage policy. That’s about 38 percent lower than the statewide average with a teen, which is $8,207 per year.

GEICO also provides multiple discounts for young drivers, so you can save even more. You may be eligible for a reduction on your premium if your teen:

• Takes an approved driver’s education course
• Is a full-time student with a “B” average
• Attends school at least 100 miles away and leaves the car at home

Affordable Premiums for High-Risk Drivers

GEICO offers lower-than-average premiums for many high-risk driving profiles, including those with a DUI or traffic violation. This also means your premium won’t increase as much as it would if you were insured with another provider. Considering that Florida’s car insurance rates are higher than the national average, you could continue saving with a GEICO policy — even if you get a traffic violation.

Here are average annual rates for full coverage in Florida for a variety of driver profiles:

Extensive List of Discounts

GEICO offers one of the longest lists of discounts in the industry with high maximum savings. Here are a few of GEICO’s major discounts:

Allstate is known for its reputation as a top ten provider, providing quality coverage for almost a century. With local agents in about 485 locations throughout the Sunshine State, Allstate provides a personalized auto insurance experience. On top of that, it ranked highly in Florida on J.D. Power’s 2025 Customer Satisfaction Study, scoring 25 points above the regional average.

Stellar Third-Party Ratings

If you’re looking for excellent customer service, Allstate has you covered. The provider ranked second in the Florida region in J.D. Power’s customer satisfaction study, tying with GEICO and placing after USAA, which is only available to military members and veterans. Unlike GEICO, Allstate has local agents — you can have a designated agent help you change your policy and review discounts.

Highly Rated Mobile Apps

Allstate offers customer service support, digital claims, and unique features/programs through its mobile app. The Allstate Mobile app has a 4.8-star rating (out of 5) from iOS users and a 3.9-star rating from Android users. Here are a few features and programs you can benefit from:

• QuickFoto Claim: You can upload photos of damages immediately following an accident to process claims quickly.
• Drivewise: Allstate’s Drivewise program, which you can access directly through the Allstate app, tracks your driving and rewards you for safe driving habits. You can also benefit from driving insights and tips, daily safety challenges, and a crash detection feature that can send help automatically in the event of an accident. Get a discount just for signing up with Drivewise (percentage varies by state), and continue earning discounts by staying active in the program. Drivewise has a 4.8-star rating on the App Store and a 3.9-star rating on Google Play.
• Digital ID: You can access a digital copy of your insurance card from the app directly.
• Digital payments: Make payments, check your billing history, or change your payment method in the app.
• Roadside assistance: Allstate is one of the few insurance providers that offers roadside assistance to all drivers, even if they don’t already have insurance with Allstate. You can send a roadside alert notification to your dispatcher and check on the status of your assistance from the app.

Allstate’s Milewise Program

If you don’t drive a lot—for example, because you’re retired, a student, or work from home—you could benefit from Allstate’s pay-per-mile program, Milewise. Milewise works by charging you a daily flat rate on top of a per-mile rate. Here’s an example of what those rates could look like:

If you drive 25 miles a day on average, you’re looking at a rate of about $90 a month (or $1,080 a year), which is much lower than both Florida and Allstate’s annual averages. Your daily flat rate and per-mile rate will vary based on your location, driving history, and personal background.

Speak to an agent to learn whether Milewise is available in your zip code.

USAA recently celebrated its 100-year anniversary as one of America’s top insurance providers for veterans, military personnel, and families of military/veterans. Florida has the third-highest number of veterans in the country (1.43 million), just behind Texas (1.543 million) and California (1.8 million).⁷ If you’re an active military member, veteran, or spouse/child of a military member, you can benefit from USAA’s cheap rates, excellent customer care, and specialized coverage options.

Great Rates

USAA is one of the most affordable car insurance companies among the 10 largest providers in the country. While average Florida rates for USAA are unavailable, its premiums are about 41 percent cheaper than the national average. Part of why USAA has such low rates is its extensive discount list, which includes:

• Up to 10 percent off when you bundle auto and property insurance
• An annual low-mileage and vehicle storage discount
• A good student discount for students and/or their parents
• Up to 15 percent off when you store your vehicle on a military base
• Up to 5 percent off when you set up automatic payments
• Up to 10 percent off if your parents also have a USAA policy
• A multi-vehicle discount

Consistently High Third-Party Ratings

USAA ranks highly for its customer satisfaction and financial strength scores. Here’s how some of the biggest third-party rating organizations have scored USAA: 

• J.D. Power Auto Insurance Study: In another J.D. Power survey that ranked providers for overall customer satisfaction, USAA ranked No. 1 in every region, including Florida. In Florida, J.D. Power awarded USAA a score of 735, which is more than 70 points higher than the next highest-ranked companies on our list, GEICO and Allstate.
• AM Best rating: AM Best gave USAA an A++ (Superior) rating, which is the highest rating.⁸ This means USAA is among the most creditworthy and financially reliable insurance providers in the country.
• NAIC Customer Complaint Index: The National Association of Insurance Commissioners (NAIC) rates insurance providers based on how many complaints it receives compared to the expected number of complaints in the industry. In 2024, USAA received only four complaints in the state of Florida, below the expected industry standard rate.

International Availability

If you’re an active military member deployed outside of Florida, you can still be eligible for USAA auto insurance. You can maintain your USAA coverage in all 50 states, Washington, D.C., and the following international locations:

• Azores
• Belgium
• Cuba
• France
• Germany
• Greece
• Guam
• Italy
• Netherlands
• Portugal
• Puerto Rico
• South Korea
• Spain
• U.S. Virgin Islands
• United Kingdom

Farmers offers sizable discounts when you bundle your home, motorcycle, or renters insurance with your auto insurance policy. The provider also consistently ranks above average in third-party studies, scoring nine points above the study average for J.D. Power’s claims satisfaction rankings. It also scored five points above the regional average for J.D. Power’s overall customer satisfaction study.

Excellent Bundling Discounts

Farmers offers several bundling discounts to save on your multiple policies, including:

• Home and auto insurance
• Renters and auto insurance
• Renters and motorcycle insurance

Due to natural disasters in recent years, Florida’s homeowner and auto insurance rates have risen significantly. If you’re having trouble finding a provider to cover your home and vehicles, consider purchasing a Farmer’s policy. You can earn up to 20 percent off when you bundle home and auto insurance policies.

Extensive Homeowner Coverage Options

If you’re planning to pair homeowner insurance with your auto policy, Farmers offers customizable homeowner insurance options. Choose your level of coverage based on your needs — for example, you may want to get dwelling insurance if you’re in an area prone to natural disasters, or you can get personal property coverage if your neighborhood has higher rates of theft.

Here are the coverages you can choose from:

• Personal property: Repairs or replaces stolen or damaged belongings.
• Personal liability: Coverage costs if you accidentally damage someone’s property or cause a bodily injury.
• Dwelling: If your home or connected structures are damaged by an unexpected event (like a fire, windstorm, or hail), this coverage pays for repair costs.
• Loss of use: If you can’t live at your home due to damages from the covered event, this pays for additional living expenses.

New Car Replacement

Florida has higher uninsured motorist rates than the rest of the country — about one in five drivers gets on the road without coverage.¹⁰ If you’ve recently purchased a new vehicle in Florida, you can add new car replacement to your Farmers policy for extra protection.

Your car qualifies for this type of coverage if it is within the first two model years and has fewer than 24,000 miles. With new car replacement, Farmers will replace your car if it’s totaled in a covered accident, and you’ll get a payout for a new vehicle of the same make and model.