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Last updated: December 2, 2025The Best Auto Insurance in Florida in 2025
State Farm, GEICO, Allstate, The Hartford and USAA are our top picks for Floridians.
Best Value
Editor's Rating:4.9/5
Full Coverage Averages in Florida
- Annual Premium: $2,402
- Monthly Premium: $200
Best for Families with Teens
Editor's Rating:4.2/5
Full Coverage Averages in Florida
- Annual Premium: $3,135
- Monthly Premium: $261
Best for Customer Service
Editor's Rating:4.4/5
Full Coverage Averages in Florida
- Annual Premium: $5,048
- Monthly Premium: $421
Key Takeaways
- State Farm is our pick for the best value auto insurance in Florida. Drivers in the Sunshine State may also find great coverage from GEICO, Allstate, The Hartford, and USAA, depending on their needs and preferences.
- The average cost of full coverage auto insurance in Florida is $3,672 annually, while minimum coverage costs around $1,357 annually — both of which are significantly higher than the national average.
- 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 Customer Service: Allstate
- Best for Seniors: The Hartford
- 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 | Southwest customer satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $200 | $75 | Above average |
| GEICO | $261 | $63 | Above average |
| Allstate | $421 | $152 | Above average |
| The Hartford | Data not available | Data not available | Above average |
| USAA | Data not available | Data not available | Above average |
| Florida | $306 | $113 | – |
Breaking Down the Best Cheap Auto Insurance in Florida
1. Best Value - State Farm
What We Like Most:
- Cheap average premiums in Florida
- Multiple discount opportunities
- Local agents statewide
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 costs for insurance in Florida 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
Safe drivers, young drivers, drivers who need an SR-22 in Florida
State Farm Florida Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $200 | $75 |
| Annually | $2,402 | $900 |
| Difference from Florida average | -35% | -34% |
2. Best for Families With Young Drivers - GEICO
What We Like Most:
- Easy online quotes
- Affordable premiums for various driver profiles
- Robust list of discounts
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 $5,762 per year when you have a teen on your full coverage policy. That’s about 29 percent lower than the statewide average of $8,080 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 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 | $261 | $63 |
| Annually | $3,135 | $761 |
| Difference from Florida average | -15% | -44% |
3. Best for Customer Service - Allstate
What We Like Most:
- Excellent regional customer satisfaction scores
- Local agents across Florida
- Highly-rated mobile app
Why we chose it
Allstate is known for its reputation as a top ten provider, providing quality coverage for almost a century. That said, it is not the cheapest insurer. With local agents in about 485 locations throughout the Sunshine State, Allstate provides a personalized auto insurance experience. On top of that, it ranked first in Florida on J.D. Power’s 2025 Customer Satisfaction Study (tying with GEICO), scoring 25 points above the regional average.
If you don’t drive a lot — for example, because you’re retired, a student, or work from home — 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. Your daily flat rate and per-mile rate will vary based on your location, driving history, and personal background.
Who it’s best for
Drivers who prioritize excellent customer service ratings above cost, people who want to work with an agent, low-mileage drivers
Allstate Florida Pricing
| Allstate | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $421 | $152 |
| Annually | $5,048 | $1,823 |
| Difference from Florida average | +37% | +34% |
4. Best for Seniors - The Hartford
What We Like Most:
- Exclusive savings for seniors
- Offers accident forgiveness
- Numerous discounts
Why we chose it
The Hartford sells insurance policies through a partnership with AARP for members of the organization. The Hartford auto insurance is only available to AARP members who are 50 years old or older. Seniors in Florida can access various benefits and discounts, including getting 10 percent off just for being an AARP member.
In addition, drivers can save 15 percent by signing up for The Hartford’s telematics program, TrueLane, and can earn up to a 40 percent discount at renewal for driving safely. Additional discounts are available for paying in full, completing a defensive driving course, The Hartford also has above-average customer and claims satisfaction ratings according to J.D. Power.
Who it’s best for
Drivers over the age of 50, AARP members.
5. Best for Veterans/Military - USAA
What We Like Most:
- Excellent customer service ratings
- Military-specific coverage and support
- Low-mileage telematics program
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 735, which is more than 70 points higher than the next highest-ranked companies on our list, GEICO and Allstate.
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 | 639 | C- | 716 | 2.15 |
| GEICO | 660 | C- | 697 | 1.95 |
| Allstate | 660 | D | 693 | 4.07 |
| The Hartford | 635 | C+ | 716 | 0.76 |
| USAA | 735 | D+ | 741 | 2.74 |
| Average | 635 (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 56 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 | $306 | $3,672 |
| U.S. average | $196 | $2,356 |
Minimum Coverage Rates in Florida
If you purchase minimum coverage insurance in Florida, you’ll pay about 88 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 | $113 | $1,357 |
| U.S. average | $60 | $722 |
Auto Insurance Costs by City in Florida
Florida auto insurance premiums also vary greatly depending on where you live. Drivers in Jacksonville pay 10 percent less than the rest of the state, while those in Miami pay 21 percent more than the statewide average.
By City
| Florida city (full coverage) | Monthly average | Yearly average |
|---|---|---|
| Jacksonville | $274 | $3,289 |
| Orlando | $289 | $3,464 |
| Saint Petersburg | $311 | $3,726 |
| Tampa | $362 | $4,344 |
| Miami | $370 | $4,437 |
How Many Car Accidents Happen in Florida?
In 2024, there were 702,356 total crashes in Florida.6 Over 3,100 of these accidents were fatal, while more than 14,000 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 21 percent of Florida drivers are uninsured — the seventh-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 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.
State Farm ($2,402 annually) and Travelers ($2,438 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.
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Sources
Where are US troops stationed?. USA Facts. (2025, June 23).
https://usafacts.org/articles/where-are-us-military-members-stationed-and-why/It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
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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