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The Best Auto Insurance in Florida

The best auto insurance rates, providers, and benefits for Floridians

Best Overall
State Farm Logo

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.

Best fro High-risk Drivers
Direct Auto Logo

Direct Auto caters to high-risk drivers, so you can get the coverage you need despite your rocky driving history.

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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.

Summary of the Best Auto Insurance in Florida

  1. 1.

    Best Overall Auto Insurance in Florida: State Farm

  2. 2.

    Best Auto Insurance for High-Risk Drivers in Florida: Direct Auto

  3. 3.

    Best Auto Insurance for Bundling in Florida: Allstate

  4. 4.

    Best Auto Insurance for Veterans/Military in Florida: USAA

Comparison of the Best Auto Insurance in Florida

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

Review
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
Allstate $1,673 Yes No Yes Yes Yes Yes 889 Allstate review
USAA $1,151 Yes No Yes Yes Yes Yes 890 USAA review

Detailed List of the Best Auto Insurance in Florida

1. Best Overall Auto Insurance in Florida - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

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.

ProsWho It's Best For
  • pro
    Safe drivers
  • pro
    People who own classic cars
  • pro
    Young drivers
  • pro
    Drivers who need an SR-22
ConsWho It's Not Best For
  • con
    People with a DUI
  • con
    People with bad credit

Sizeable Discounts

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:

  • Completing the Steer Clear Safe Driver program
  • 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
  • Using Drive Safe & Save app (up to 30 percent off)
  • Having an accident-free record

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 customer service scores, State Farm ranks among the highest in the country consistently. Here are a couple of its ratings:

  • J.D. Power: State Farm is tied for sixth place with Farmers (882 out of 100) for the highest auto insurance claims satisfaction score. The study surveyed over 8,000 customers who filed claims between November 2021 and September 2022. 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.
  • AM Best: AM Best awarded State Farm with an A++ (Superior) rating, which is the highest financial strength score it offers. AM Best assigns financial strength ratings that reflect a company’s creditworthiness. Creditworthy insurance companies will be more likely to fulfill their financial duties and obligations to their customers, like paying claims.

Extensive Coverage Options

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.

PRO TIP:

Uninsured/underinsured motorist coverage is a must for Floridians. More than 20 percent of drivers in Florida are on the road without insurance, which makes Florida the sixth-highest state for rates of uninsured motorists.4

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, which will pay off your auto loan if your vehicle is totaled/stolen and you owe more than the car’s depreciated value.
2. Best Auto Insurance for High-Risk Drivers in Florida - Direct Auto
Direct Auto Logo

What We Like Most:

  • Low rates for high-risk drivers
  • Can pay in cash locally
  • Save money by bundling with life insurance

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.

ProsWho It's Best For
  • pro
    High-risk drivers
  • pro
    People who want to pay in cash
  • pro
    Active military service members
  • pro
    People who want to insure multiple vehicles
ConsWho It's Not Best For
  • con
    Low-risk drivers
  • con
    People looking for the most affordable insurance

Insurance for High-Risk 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.

Extensive List of Discounts

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%

DID YOU KNOW?

Florida has the highest rate of aging drivers in the country.5 If you’re a senior in Florida, you can take advantage of Direct Auto’s senior discount (the only provider with a senior discount on our list).

Customizable Payments

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:

  • The payment date
  • The payment amount
  • How often you will pay
  • Method of payment

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.

3. Best Auto Insurance for Bundling in Florida - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

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.

ProsWho It's Best For
ConsWho It's Not Best For
  • con
    Owners of hybrid or electric vehicles (no discounts available)
  • con
    Unsafe drivers

Excellent Bundling Discounts

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.

FYI:

Three of the top 10 U.S. cities with the highest rates of homeownership are in Florida, which include Cape Coral (No. 1), Sarasota (No. 3), and Tampa (No. 7).6 If you’re one of the many homeowners in the Alligator State, you might be able to save more with Allstate’s bundling discount.

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 4-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 through the separate Drivewise 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

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
$1.50 $0.06 25 $3

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.

4. Best Auto Insurance for Veterans/Military in Florida - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

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.

ProsWho It's Best For
  • pro
    Active duty military members, veterans, and their families
  • pro
    Overseas military members who want to store their vehicles in the U.S.
  • pro
    People who want to work with agents directly
  • pro
    Good students and their parents
ConsWho It's Not Best For
  • con
    Unsafe drivers
  • con
    Nonmilitary members

Great Rates

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:

  • 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 3 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. J.D. Power awarded USAA a score of 884, which is more than 20 points higher than the second-highest-ranked company, The Hartford, which underwrites AARP car insurance policies for seniors.
  • AM Best rating: AM Best gave USAA an A++ (Superior) rating, which is the highest rating.10 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. The NAIC gave USAA a 0.86 on the index for private auto insurance, which is 0.14 points lower than the National Complaint Index (1.00). Anything lower than 1.00 means that customers complain to that provider less than 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

Methodology

  • Proprietary data: Over the past 20 years, AutoInsurance.com has been collecting millions of data points regarding car insurance companies that have had the most success insuring drivers across each state. We leverage that data to narrow down the best service providers for each state, region, and type of driver.
  • Public studies: Accredited public studies are a great resource when comparing customer satisfaction, customer service, and financial strength. We look at third-party studies from industry leaders like the Better Business Bureau, J.D. Power, Moody’s, AM Best, the National Association of Insurance Commissioners, and S&P Global, among others, to find the most accurate information on insurance providers.
  • Expert institutional guidance: Last but not least, AutoInsurance.com is backed by an insurance industry expert, Paul Ford. Paul is the president of insurance services at Centerfield, AutoInsurance.com’s parent company. His decades of experience in the industry provide us with the expert guidance we need to cater our recommendations to your background, location, and other factors relevant to car insurance.

Frequently Asked Questions

Why is car insurance in Florida so expensive?

There are a few reasons why car insurance is so expensive in Florida.

  • Florida has a high rate of uninsured drivers (20 percent, which is the sixth-highest rate in the country).
  • Florida is a no-fault state, which tends to increase rates.
  • Bad weather conditions and natural disasters lead to more comprehensive claims.
  • Drivers over the age of 65 pay more than other age groups statistically, and Florida has the second-highest rate of senior citizens (21 percent), according to 2019 data from the U.S. Census Bureau.

What kind of car insurance is required 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.

What is the cheapest car insurance in Florida?

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.

What does Florida's no-fault car insurance mean?

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.

Citations

  1. Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds. J.D. Power. (2022, Oct 7).
    https://www.jdpower.com/business/press-releases/2022-us-auto-claims-satisfaction-study

  2. One in Eight Drivers Uninsured: $13 Billion Spent in 2016 to Protect Against Uninsured and Underinsured Drivers. Insurance Research Council. (2021, Mar 22).
    https://www.insurance-research.org/sites/default/files/downloads/UM%20NR%20032221.pdf

  3. FY 2021 Highway Safety Plan. Florida Department of Transportation; Ron DeSantis, Florida Governor. (2021).
    https://www.nhtsa.gov/sites/nhtsa.gov/files/documents/fl_fy21_hsp_0.pdf

  4. States and Cities With the Highest Homeownership Rates. AdvisorSmith. (2021, Mar 21).
    https://advisorsmith.com/data/states-and-cities-with-the-highest-homeownership-rates/

  5. Highway Statistics Series: Licensed Drivers By Sex And Ratio To Population – 2017. U.S. Department of Transportation. (2018, Dec).
    https://www.fhwa.dot.gov/policyinformation/statistics/2017/dl1c.cfm

  6. Vehicle miles traveled and vehicle trips by State. Bureau of Transportation Statistics. (2017, May 31).
    https://www.bts.gov/statistical-products/surveys/vehicle-miles-traveled-and-vehicle-trips-state

  7. National Center for Veterans Analysis and Statistics. U.S. Department of Veterans Affairs. (2023).
    https://www.va.gov/vetdata/veteran_population.asp

  8. A.M. Best Affirms Ratings of USAA, Its Subsidiaries and USAA Capital Corporation. AM Best. (2023).
    https://news.ambest.com/newscontent.aspx?altsrc=23&refnum=153289