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Best Auto Insurance in Florida of August 2026
State Farm, GEICO, Florida Farm Bureau, Travelers and USAA are our top picks for Floridians.
Best Value
Editor's Rating:
4.9/5
4.9/5
Full Coverage Averages in Florida
- Annual Premium: $2,592
- Monthly Premium: $216
Best for Families with Teens
Editor's Rating:4.9/5
4.9/5
Full Coverage Averages in Florida
- Annual Premium: $2,999
- Monthly Premium: $250
Best for Seniors
Editor's Rating:4.1/5
4.1/5
Full Coverage Averages in Florida
- Annual Premium: $2,436
- Monthly Premium: $203
Last updated: August 3, 2026
Key Takeaways: Best Auto Insurance in Florida 2026
State Farm is our top pick for auto insurance in Florida, offering rates 30% below the state average.
Florida’s full coverage averages $3,725/year — 58% above the national average of $2,356/year.
State Farm is the best value, averaging $2,592/year for full coverage with strong customer satisfaction scores.
GEICO is the best pick for families with teens, averaging $6,851/year — 35% below the statewide teen driver average.
USAA is the top option for military and veterans, scoring 35 points above competitors in Florida’s J.D. Power study.
Our pricing data reflects average rates, which may not match the quote you receive but serve as a helpful baseline when comparing insurers.
Summary of the Best Auto Insurance in Florida
- Best Value: State Farm
- Best for Families With Young Drivers: GEICO
- Best for Seniors: Travelers
- Best for Customer Service: Florida Farm Bureau
- Best for Veterans/Military: USAA
Compare the Best Cheap Auto Insurance in Florida
| Company | Full Coverage Monthly Avg. in FL | Minimum Coverage Monthly Avg. in FL | Florida customer satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $216 | $74 | Above average |
| GEICO | $250 | $56 | Above average |
| Travelers | $203 | $66 | Above average |
| Florida Farm Bureau | Data not available | Data not available | Above average |
| USAA | Data not available | Data not available | Above average |
| Florida | $310 | $102 | – |
Breaking Down the Best Cheap Auto Insurance in Florida
1. State Farm - Best Value
4.9
Editor's Rating:
- Average Florida Rate for Minimum Coverage
- $74 mo.
- Average Florida Rate for Full Coverage
- $216 mo.
Cheap average premiums in Florida- Multiple discount opportunities
- Local agents statewide
Must complete quotes by phone- No accident forgiveness
Why we chose it
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. It has excellent regional customer service ratings, as well as some of the lowest average rates in Florida.
On average, the Florida insurance costs 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, including two telematics programs, as well as discounts for bundling, safe driving, and owning a home. It also has several add-on coverage offerings that you can include on your policy, such as rental car reimbursement, classic car insurance, and travel expenses coverage.
Who it’s best for
Drivers looking for a mix of affordable rates and great service, young drivers, drivers who need an SR-22 in Florida
State Farm Florida Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $216 | $74 |
| Annually | $2,592 | $883 |
| Difference from Florida average | -30% | -27% |
2. GEICO - Best for Families With Young Drivers
4.9
Editor's Rating:
- Average Florida Rate for Minimum Coverage
- $56 mo.
- Average Florida Rate for Full Coverage
- $250 mo.
- Easy online quotes
- Affordable premiums for various driver profiles
- Robust list of discounts
- Limited agent presence
- Doesn't underwrite home insurance
Why we chose it
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 some of the lowest rates in Florida for families with young drivers. With GEICO, you can expect to pay an average of $6,851 per year when you have a teen on your full coverage policy. That’s about 35 percent lower than the statewide average of $10,600 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 or higher, or attends school at least 100 miles away and leaves the car at home. There are many additional discounts that more experienced drivers can take advantage of as well.
Who it’s best for
Families with a teen on their policy, people looking for cheap liability coverage, customers who prefer to shop for and manage their policies digitally
GEICO Florida Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $250 | $56 |
| Annually | $2,999 | $667 |
| Difference from Florida average | -19% | -45% |
3. Travelers - Best for Seniors
4.1
Editor's Rating:
- Average Florida Rate for Minimum Coverage
- $66 mo.
- Average Florida Rate for Full Coverage
- $203 mo.
- Cheapest rates for seniors in Florida
- New car replacement
- Numerous discounts
- Average satisfaction scores
- Limited agent density in some regions
Why we chose it
Travelers offers the cheapest average rates for seniors in Florida as well as multiple discount opportunities. Seniors can take advantage of discounts for being a homeowner, bundling policies, and paying in full. In addition, drivers can save 10 percent by signing up for Travelers’ telematics program, IntelliDrive 365, and can earn up to a 35 percent discount at renewal for driving safely. This program may also raise rates if it detects risky driving.
Travelers also has a wide variety of coverage options, including new car replacement, gap coverage, rental coverage, and accident forgiveness. The latter is part of the company’s Responsible Driver Plan, which also includes minor violation forgiveness. The Premier tier adds decreasing deductible and total loss deductible waiver.
Who it’s best for
Senior drivers, those looking for the cheapest rates, new car owners
Travelers Florida Pricing
| Travelers | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $203 | $66 |
| Annually | $2,436 | $798 |
| Difference from Florida average | -35% | -35% |
4. Florida Farm Bureau - Best for Customer Service
4.1
Editor's Rating:
- Excellent regional customer satisfaction scores
- Local agents across Florida
- Farm Bureau membership includes additional perks
- Small-scale
- Modest digital tools
Why we chose it
Florida Farm Bureau is part of the Southern Farm Bureau umbrella and operates exclusively in the state of Florida. It is known for providing personalized, community-focused service through its network of local agents. Its stellar service is reflected in its first-place ranking on J.D. Power’s 2026 Auto Insurance Study for Florida, scoring 54 points above the state average.
You’ll need to be a Farm Bureau member to access insurance from Florida Farm Bureau, but it costs a nominal fee per year and also comes with added perks and discounts for various products and services. Farm Bureau pricing data is not available for Florida, but Farm Bureau affiliates tend to have competitive rates in the states they serve.
Who it’s best for
Drivers who prioritize excellent customer service ratings, people who want to work with an agent, existing Farm Bureau members
5. USAA - Best for Veterans/Military
5
Editor's Rating:
- Average Rate for Minimum Coverage
- $36 mo.
- Average Rate for Full Coverage
- $128 mo.
- Excellent customer service ratings
- Military-specific coverage and support
- Low-mileage telematics program
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
USAA recently celebrated its 100th anniversary as one of America’s top insurance providers for veterans, military personnel, and families of military/veterans. Florida has the fifth-highest number of veterans in the country.1 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.
While average Florida rates for USAA are unavailable, its national premiums are about 35 percent cheaper than the national average. USAA scored the highest in every region in J.D. Power’s Auto Insurance Study, including Florida (it’s not technically ranked because of its eligibility criteria). In Florida, USAA earned a score of 728, which is 35 points higher than the next highest-ranked company, Florida Farm Bureau.
Who it’s best for
Active duty military members, veterans, and their families, overseas military members who want to store their vehicles in the U.S., low-mileage drivers.
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Florida2 | CRASH Network Report Card3 | J.D. Power Claims Satisfaction4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| State Farm | 648 | D+ | 716 | 1.80 |
| GEICO | 642 | C- | 697 | 1.67 |
| Travelers | 627 | C | 691 | 0.41 |
| Florida Farm Bureau | 693 | B+ (parent company Southern Farm Bureau) | – | 0.27 |
| USAA | 728 | C- | 741 | 3.00 |
| Average | 639 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Average Cost of Car Insurance in Florida
Full Coverage Rates in Florida
When it comes to full coverage, Floridians pay about 58 percent more compared to the rest of the country. Florida’s no-fault laws contribute to the state’s higher rates — drivers must cover their own medical costs when they purchase a policy, in addition to covering the other party’s property damages if they’re at fault.
| Full coverage | Monthly | Yearly |
|---|---|---|
| Florida average | $310 | $3,725 |
| U.S. average | $196 | $2,356 |
Minimum Coverage Rates in Florida
If you purchase minimum coverage insurance in Florida, you’ll pay about 70 percent more than the national rate for minimum coverage. Keep in mind that your actual premium depends on other factors, including your credit score, gender, and driving history.
| Minimum coverage | Monthly | Yearly |
|---|---|---|
| Florida average | $102 | $1,228 |
| U.S. average | $60 | $722 |
Auto Insurance Costs by City in Florida
| Florida city (full coverage) | Monthly average | Yearly average |
|---|---|---|
| Cape Coral | $196 | $2,351 |
| West Palm Beach | $251 | $3,015 |
| Jacksonville | $298 | $3,575 |
| Orlando | $312 | $3,747 |
| Fort Lauderdale | $316 | $3,788 |
| St. Petersburg | $346 | $4,155 |
| Tampa | $391 | $4,689 |
| Miami | $399 | $4,787 |
How Many Car Accidents Happen in Florida?
In 2025, there were 684,986 total crashes in Florida.6 Over 2,900 of these accidents were fatal, while more than 13,000 caused serious injuries. Unsurprisingly, most accidents occurred around major metropolitan areas, including Miami, Orlando, and Tampa.
In addition, most crashes happened on Fridays and Saturdays, and the most dangerous month was March. Most of those who died in car accidents were over 65, followed by those 25 to 34.
Minimum Auto Insurance Requirements in Florida
Florida’s minimum auto insurance requirements are some of the lowest in the country. They do not include bodily injury liability and have low limits for property damage liability and PIP:
- Property damage liability: $10,000 per accident
- Personal injury protection: $10,000 per person7
As mentioned earlier, drivers are responsible for their own medical expenses regardless of fault in an accident, which is what personal injury protection covers. It’s still a good idea to get bodily injury liability coverage for added financial protection, as well as generally higher limits than the minimums. If you care about covering damage to your car, you’ll also need full coverage.
PRO TIP:
It’s wise to purchase uninsured/underinsured motorist coverage in the Sunshine State. About 16 percent of Florida drivers are uninsured — the 15th-highest rate in the country.8
Frequently Asked Questions
There are a few reasons why car insurance is so expensive in Florida.
- 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 most other age groups statistically, and Florida has the second-highest rate of senior citizens (21 percent), according to data from the U.S. Census Bureau.
Florida mandates property damage coverage and personal injury protection. The state minimum requirements are only $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage, according to the Florida Department of Highway Safety and Motor Vehicles.
Travelers ($2,436 annually) and State Farm ($2,592 annually) offer some of the cheapest annual rates for full coverage in Florida. 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.
Methodology - How We Choose Providers
We assessed companies on the following when determining the best auto insurance providers in Florida:
- Pricing (40%): We looked at the average premiums for a 35-year-old driver in Florida with a clean history, good credit, 12,000 annual miles, and the following full coverage limits:
- Bodily injury: $100,000 per person/$300,000 per accident
- Property damage: $100,000 per accident
- PIP: $10,000
- Uninsured/underinsured motorist: $100,000 per person/$300,000 per accident
- Collision and comprehensive: $500 deductible
- Claims Handling (25%): Fulfilling claims is the core offering of an auto insurance company. We use industry ratings from sources like J.D. Power’s claims satisfaction scores and CRASH Network’s Insurer Report to assess the quality of a company’s claims handling.
- Customer Experience (25%): We look at regional Florida customer satisfaction data from J.D. Power and complaints in Florida from the National Association of Insurance Commissioners (NAIC).
- Coverage Options (10%): We prioritize insurers that offer coverage beyond the minimum required in Florida, like pay-per-mile insurance, rideshare coverage, and accident forgiveness.
Sources
Where are US troops stationed?. USA Facts. (2025, June 23).
https://usafacts.org/articles/where-are-us-military-members-stationed-and-why/Auto Insurers Struggle to Maintain Seamless Interactions Across Channels, JD Power Finds. JD Power. (2026, Jun 09).
https://www.jdpower.com/business/press-releases/2026-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 27).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmFlorida Traffic Safety Dashboard. (2025, Dec 02).
https://signal4analytics.com/Florida Insurance Requirements. FLHSMV. (2025).
https://www.flhsmv.gov/insurance/Facts + Statistics: Uninsured motorists. Insurance Information Institute. (2025).
https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
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