Cheap Car Insurance in Florida

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.

By Coverage

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.

By Age

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.

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.

By Gender

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.

• Allstate
• Amica
• Assurant
• Direct Auto
• Esurance
• Farmers
• GAINSCO
• GEICO
• Homesite
• Horace Mann
• MAPFRE
• Mercury
• National General
• Nationwide
• Progressive
• PURE
• State Farm
• The Hartford
• Travelers
• USAA

• Get a senior discount. Florida’s high population of seniors (4.6 million older adults and counting) may be able to get discounts due to their age. Direct Auto, for example, offers discounts for drivers over 55 who complete the Motor Vehicle Accident Prevention Course. Ask your agent if your insurance company offers any discounts that could apply to you.
• Bundle policies. Whether you have homeowners, renters, or life insurance, bundling multiple policies under the same provider may unlock a loyalty discount.
• Take a basic driver improvement course. Many providers offer discounts if you take a defensive driving course. These classes, which are available both online and in person, could get you a point reduction on your license as well.
• Ask your agent for more discounts. From having a high schooler with excellent grades to paying your premiums a year in advance, you never know how you can save with an insurer. That’s why it’s best to ask your agent directly for insurance discounts.
• Drop down to minimum coverage. If all else fails, the cheapest option in terms of coverage is the minimum Florida requires, which totals only $20,000 in liability. But keep in mind that you’ll be on your own financially if you cause more than $10,000 of property damage or injuries to yourself.

Florida’s minimum coverage is not nearly enough to protect you financially. If you cause more than $10,000 of property damage or medical payments in an accident, you’ll have to pay out of pocket for any amount over $10,000. Since Florida is a no-fault state, if you cause an accident, you’ll be responsible for all of the property damage as well as any resulting medical costs, lost wages, and child care costs.

We recommend buying more liability coverage — up to $500,000 if you have a high net worth. We also recommend adding some supplemental coverages.

• Bodily injury coverage: Florida is one of only four states (along with New Jersey, Virginia, and New Hampshire) that doesn’t require bodily injury coverage. Bodily injury coverage pays for the other party’s injuries in accidents you cause. Although personal injury protection (PIP) covers each party regardless of fault, if the other party has inadequate coverage for their losses, they could sue you for the remainder. Together with property damage coverage, bodily injury makes up liability coverage, the basis of most insurance policies.

Self-Insurance

It’s possible to insure yourself in Florida, but most people won’t be able to swing it financially. Here’s the unencumbered net worth you’ll need to qualify:

• At least $40,000 for the first vehicle
• At least $20,000 for the second vehicle onward²

Florida Automobile Joint Underwriting Association

Many insurers don’t want to cover high-risk drivers, such as those who have a DUI conviction and have to file an FR-44, a certificate that proves you have more liability coverage than the minimum ($100,000/$300,000, to be exact).

If you can’t find coverage, the state can connect you to a provider that will cover you under the Florida Automobile Joint Underwriting Association (FAJUA). In fact, every licensed insurer in the state is part of this association. Find a provider at https://www.aipso.com/Find-a-Producer/ST/FL or ask questions about the program at https://fajua.org/ask³.

• In-person locations: https://www.flhsmv.gov/locations/
• Phone number: 850-617-2000 (Monday through Friday, 8 a.m. to 5 p.m.)

You will need your driver’s license number, Social Security number, and car title or VIN when speaking to the department.

While affordable car insurance may not be Florida’s strong suit, you can find something within your budget if you shop the entire market. Learn more about auto insurance in Florida in general, from its no-fault system to its total loss threshold, or read the frequently asked questions below to learn more about ways to save specifically.