The best auto insurance rates, providers, and benefits for Floridians
With affordable rates, unique coverage options (like a travel expenses add-on), and excellent customer service ratings, State Farm is our top choice for drivers in Florida.
Direct Auto caters to high-risk drivers, so you can get the coverage you need despite your rocky driving history.
Florida is known for its beautiful beaches, thrilling theme parks, and ubiquitous palm trees, but did you know it’s also home to some of the most expensive car insurance rates in the country?
If you’re one of the more than 15 million drivers in the Sunshine State, you should know the best ways to save on car insurance while getting the quality coverage you need. And that’s exactly what we’ll cover below, along with detailed lists of car insurance benefits, coverage options, and providers that cater to niche needs like high-risk auto insurance.
Best Overall Auto Insurance in Florida: State Farm
Best Auto Insurance for High-Risk Drivers in Florida: Direct Auto
Best Auto Insurance for Bundling in Florida: Allstate
Best Auto Insurance for Veterans/Military in Florida: USAA
|Insurance company||Average annual rate||Bundling discount||Senior discount||Good student discount||Safe driver discount||Low mileage discount||Umbrella insurance||J.D. Power auto claims satisfaction study
(out of 1,000)1
|State Farm||$1,419||Yes||No||Yes||Yes||Yes||Yes||882||State Farm review|
|Direct Auto||$2,487||Yes||Yes||Yes||Yes||No||No||N/A||Direct Auto review|
There’s a reason State Farm is the largest auto insurance provider in the country.2 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 financial strength and customer service ratings, as well as lower-than-average rates.
On average, Floridians pay the sixth-highest annual rates in the country for car insurance. In 2020, drivers from Florida spent an average of $1,372 on car insurance, which is 31 percent above the national average of $1,047.3 You can help bring those costs down with one or more of State Farm’s many discount opportunities by:
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 customer service scores, State Farm ranks among the highest in the country consistently. Here are a couple of its ratings:
Although Florida’s minimum coverage limits are only $10,000 for property damage per accident and personal injury protection per person/accident, we recommend getting as much coverage as you can afford. 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:
Founded in 1991, Direct Auto began selling car insurance exclusively in the Southeastern U.S. Today, the company has expanded its services to 18 states, with Florida having more locations than any other state (122 out of 541 total locations, or about 23 percent). On top of finding ways to make insurance cheaper for high-risk drivers, Direct Auto also offers unique insurance add-ons, like Mexico and commercial auto insurance, for all types of drivers.
Part of why Direct Auto is so expensive (almost $1,500 more than the national average) is because it caters to drivers who have a history of traffic violations, at-fault car accidents, and comprehensive claims.
If you’re a high-risk driver, you might know that it can be difficult to find a car insurance provider that will accept your application or offer you affordable rates. Not only do you have a good chance of getting the coverage you need with Direct Auto, but you can also take advantage of the many discounts it offers to help bring those costs down.
Direct Auto offers one of the longest lists of discounts in the industry with high maximum savings. Here are a few of Direct Auto’s major discounts:
|Type of discount||Requirements||Maximum savings percentage|
|Senior||You must be over the age of 55 and complete an approved accident prevention course.||5%|
|Military||You need to be an active military service member to qualify for this discount.||25%|
|Good student||If you’re a student who has a B average or better, or ranks in the top 20% of your class, you could qualify for this discount.||10%|
|Safe driver||You need to be accident- and violation-free for the past 36 months to qualify for this discount.||10%|
|Homeowner||If you or your spouse own a home, townhouse, or condominium, you could qualify for this discount.||15%|
|Accident prevention course||Complete a qualifying accident prevention course in the past 36 months, and you could qualify for this discount.||10%|
|DynamicDrive||Share insights about your driving habits with Direct Auto’s DynamicDrive program, and you could earn a discount.||10%|
|Multi-vehicle||If you and your household insure more than one vehicle with Direct Auto, you might qualify for this discount.||25%|
|Multi-policy||You can bundle your auto with motorcycle insurance and/or commercial auto insurance to earn this discount.||10%|
|Prior coverage||If you can prove that you’ve maintained continuous liability coverage with a different provider for at least 6 months, you could qualify for this discount.||25%|
|Multi-product||Add additional coverage (roadside assistance, term life insurance, etc.), and you might qualify for this discount.||5%|
|Renewal||Renew your policy within 7 to 10 days of its expiration date, and you could qualify for this discount.||20%|
|Pay-in-full||You could earn this discount by paying for your entire policy upfront, as opposed to monthly installments.||9%|
If you’re a high-risk driver with a high premium, you can benefit from a flexible payment plan. Direct Auto will help you build a customized plan that allows you to select:
If you prefer to pay in cash, you can do so by visiting a Direct Auto location in person. This is a great option for Floridians because Direct Auto has the highest number of physical locations in the state of Florida.
Allstate offers some of the most sizable discounts for when you bundle your home, motorcycle, or renters insurance with your auto insurance policy. You can also benefit from individual discounts for each type of insurance policy to help decrease your overall costs. On top of that, you get the reputation of a top 10 provider that has been providing quality coverage for almost a century.
Allstate offers several bundling discounts to save on your multiple policies, including:
You can earn one of the largest bundling discounts in the industry (25 percent off) when you bundle your home and auto insurance policies. Bundling also allows you to access multiple Allstate policies from the same place (your online portal), which can save you time when you review your plan’s details, make payments, update coverage, and more.
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 4-star rating from Android users. Here are a few features and programs you can benefit from:
Floridians drive nearly 21,000 miles a year on average, which is significantly higher than the national average of 9,717.78 If you don’t drive a lot, 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:
|Daily flat rate||Per-mile rate||Number of miles per day||Total daily cost|
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.
Last year, USAA 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 (1.494 million), just behind Texas (1.567 million) and California (1.642 million).9 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.
USAA is the most affordable car insurance company among the 10 largest providers in the country. With annual average premiums of $1,151, USAA’s rates are nearly 20 percent cheaper than the national average. Part of why USAA has such low rates is its extensive discount list, which includes:
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:
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:
There are a few reasons why car insurance is so expensive in Florida.
Florida mandates property damage coverage and personal injury protection. The state minimum requirements are only $10,000 in personal injury protection (PIP) and property damage liability coverage, according to the Florida Department of Highway Safety and Motor Vehicles.
Among the top 10 providers, GEICO ($1,194) and USAA ($1,151) offer the cheapest annual rates on average. Keep in mind that rates will vary from person to person as well as by ZIP code, so request multiple car insurance quotes from various cheap car insurance companies in Florida to find low rates.
Florida is a no-fault state, which means that each driver must cover their own personal injury costs regardless of who caused the accident. However, the at-fault driver would still cover the other party’s property damages.
Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds. J.D. Power. (2022, Oct 7).
One in Eight Drivers Uninsured: $13 Billion Spent in 2016 to Protect Against Uninsured and Underinsured Drivers. Insurance Research Council. (2021, Mar 22).
FY 2021 Highway Safety Plan. Florida Department of Transportation; Ron DeSantis, Florida Governor. (2021).
States and Cities With the Highest Homeownership Rates. AdvisorSmith. (2021, Mar 21).
Highway Statistics Series: Licensed Drivers By Sex And Ratio To Population – 2017. U.S. Department of Transportation. (2018, Dec).
Vehicle miles traveled and vehicle trips by State. Bureau of Transportation Statistics. (2017, May 31).
National Center for Veterans Analysis and Statistics. U.S. Department of Veterans Affairs. (2023).
A.M. Best Affirms Ratings of USAA, Its Subsidiaries and USAA Capital Corporation. AM Best. (2023).