There are no one-size-fits-all providers in Florida for minimum or full coverage car insurance. The cheapest auto insurance will depend on your circumstances, the coverage limits you select, and your ZIP code. Compare quotes from multiple providers to find accurate average premiums.
USAA is the cheapest option for both full coverage and minimum coverage, with prices as low as $940 and $406 per year, respectively.
By Driving Record
If you have a clean driving record, look to GEICO for annual premiums as low as $300. Good drivers pay less for insurance than drivers with tickets and DUIs, as they’re less likely to file claims.
By Credit Score
USAA is the best option for someone with good or excellent credit, with annual rates of $1,030 and $756 respectively.
No matter what age you are, GEICO offers some of the lowest rates around. Of course, expect to pay more for teen drivers and older adults, and less for middle-aged drivers.
||Annual rate from GEICO
|80s and above
By Military Status
USAA is the cheapest provider for current military personnel and veterans, with annual rates of $406.
By Marital Status
Got hitched? Save money with AssuranceAmerica, which offers auto insurance for $972. Single people will pay more but can save money by using Dairyland as their provider, with annual rates of $1,092.
On average, men in Florida actually pay less than women for car insurance. Dairyland, for example, offers men annual rates of $1,032 and women annual rates of $1,128. However, male teens will pay more. The lowest annual rates we’ve come across for teenagers of both sexes are from State Farm – $2,202 for male teens and $2,019 for female teens.
Learn more about the factors that affect car insurance rates for liability insurance and beyond.