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The state of Florida stretches from the panhandle in the north to the keys that string along its southern tip. According to the latest estimates from the U.S. Census Bureau, nearly 21 million people live on this narrow land mass between the Gulf of Mexico and the Atlantic Ocean. The Florida Department of Highway Safety and Motor Vehicles has more than 17 million of those residents on the books as licensed drivers. Nearly a third of those drivers are over the age of 60.

Cheapest Car Insurance Companies in Florida

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from the largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance Companies

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings. 

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the nine largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here. 

How Much Does Car Insurance Cost in Florida?

See the Cheapest Car Insurance Companies

According to our analysis, USAA offers the lowest average representative rates in Florida, with a study rate around $920. Geico and State Farm are not far behind. Allstate has the highest average study premiums in the state at nearly $3,000. No matter which company you choose, there are a few groups who will see better average rates in Florida – and a few who will pay quite a bit more.

Florida Car Insurance Rates by Age

Company

Single 25-year old female

Single 25-year old male

Married 35-year old female

Married 35-year old male

Married 60-year old female

Married 60-year old male

Allstate

$3,074.08

$3,121.19

$3,078.99

$2,970.84

$2,708.17

$2,777.38

Geico

$1,605.54

$1,659.15

$1,384.51

$1,399.18

$1,300.26

$1,300.26

Nationwide

$2,340.36

$2,468.00

$2,069.29

$2,040.60

$1,783.08

$1,868.02

Progressive

$2,804.03

$2,731.09

$2,338.48

$2,169.91

$1,943.42

$2,086.32

State Farm

$1,806.34

$1,914.61

$1,643.05

$1,643.05

$1,506.73

$1,506.73

USAA

$1,040.28

$1,119.86

$869.69

$857.53

$822.09

$818.40

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The 60-year-old female driver profile has the lowest average study rates of any age group, with an average of $1,677. The study rate for the 60-year-old male driver profile is a bit higher, at $1,726 per year. The 25-year-old driver male representative profile has the highest rates in our study, at about $2,170 on average, while the 25-year-old female profile is almost as expensive with an average representative rate around $2,110.

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Florida Car Insurance Rates by Mileage

Company

6,000 annual mileage

12,000 annual mileage

Allstate

$2,789.40

$2,955.11

Geico

$1,404.88

$1,441.48

Nationwide

$2,094.89

$2,094.89

Progressive

$2,345.54

$2,345.54

State Farm

$1,452.33

$1,670.08

USAA

$879.36

$921.31

In Florida, the length of your commute matters little to insurance companies; the average rates in our study for 6,000 miles per year or 12,000 per year (which is closer to the national average of about 13,000 miles) have a difference of less than $100. The profile with lower annual mileage has an average study rate of $1,825, while the higher-mileage profile has a study rate of $1,905.

We created two driver profiles to compare how annual mileage can change car insurance rates: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Florida Car Insurance Rates by Coverage Type

Company

Low

Medium

High

Allstate

$2,235.19

$2,955.11

$3,294.62

Geico

$1,146.75

$1,441.48

$1,599.23

Nationwide

$1,562.38

$2,094.89

$2,363.41

Progressive

$1,957.41

$2,345.54

$2,579.32

State Farm

$1,386.15

$1,670.08

$1,861.22

USAA

$738.81

$921.31

$995.64

Our low coverage profile, averaging $1,505, is just over $600 cheaper than our average high coverage profile cost. While USAA offered the lowest representative rates – regardless of level of coverage – Geico and State Farm followed closely behind, with average low coverage study rates of $1,147 and $1,386, respectively. Allstate was the most expensive insurance provider across all coverage types.

We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females aged 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Florida Car Insurance Rates by Credit Score

Company

Good

Fair

Poor

Allstate

$2,955.11

$3,689.47

$5,550.32

Geico

$1,441.48

$1,790.40

$2,662.69

Nationwide

$2,094.89

$2,466.17

$3,177.50

Progressive

$2,345.54

$2,812.50

$3,670.85

State Farm

$1,670.08

$2,039.86

$3,147.52

USAA

$921.31

$1,257.82

$2,373.36

In Florida, drivers with poor credit will see a big jump in rates. The average study rate for the driver profile with good credit is about $1,905 per year. The driver profile with poor credit had a rate in our study of about $3,430. Florida drivers with a good credit history will save about 45% compared to drivers with poor credit. 

Based on profiles of male and female drivers aged 25, 35, and 60, our study verified that credit scores affect car insurance rates. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis.

Florida Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$2,955.11

$2,955.11

$3,917.91

$3,745.29

Geico

$1,441.48

$2,501.19

$1,981.73

$3,124.55

Nationwide

$2,094.89

$2,435.53

$2,931.70

$4,400.71

Progressive

$2,345.54

$3,417.14

$4,047.64

$3,071.63

State Farm

$1,670.08

$1,810.19

$1,950.28

$1,810.19

USAA

$921.31

$1,018.06

$1,194.96

$1,691.18

Accidents and traffic violations such as speeding tickets will, of course, raise your rate. The driver profile with one speeding violation in our study has an average rate of about $2,356, or around $450 more than the average study rate for the clean driving profile ($1,905). The study rate further increases for the driver profile with one accident to around $2,671, and even higher for the profile with one DUI, which is nearly $3,000.

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Florida Car Insurance Rates by City

City

Average Rate

Cape Coral

$1,675.78

Fort Lauderdale

$2,360.78

Hialeah

$2,832.39

Jacksonville

$1,850.55

Miami

$2,722.66

Orlando

$1,940.42

Port St. Lucie

$1,875.96

St. Petersburg

$2,197.95

Tallahassee

$1,626.25

Tampa

$2,495.47

Many of the highest representative rates we found in Florida are in the state's large metro areas, including Miami, Fort Lauderdale, Hialeah, Tampa, and St. Petersburg. The cheapest study rates in the state can be found in Tallahassee and Cape Coral. Average study rates in these cities are below $1,700.

Within each state, insurance rates can vary dramatically from city to city. To get a sense of how these differences affect car insurance premiums, we looked at average representative rates across 10 of Iowa’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Florida Auto Insurance Minimum Coverage Requirements

The state of Florida has relatively low minimum requirements for car insurance. Drivers must have $10,000 in personal injury protection (PIP) coverage, and another $10,000 in property damage liability (PDL) coverage.

Personal injury protection is also known as no-fault insurance. It covers the costs of caring for injuries to you, your child, and other members of your household in the vehicle, no matter who caused the accident. It also covers you when you’re riding in someone else’s car, and covers your children while they’re on the school bus. Property damage liability covers the cost of repairs for other people’s property when you (or members of your household) are at fault in a crash.

Florida does not require every driver to carry other common types of insurance, such as uninsured/underinsured motorist coverage, and it’s one of only two states to not require bodily injury liability coverage. The other is New Hampshire.

Check out our guide on how much insurance you need to learn more about car insurance coverage limits.

Cheapest Car Insurance in Florida

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Young Adult Drivers

GEICO

Married Adult Drivers

GEICO

Senior Drivers

GEICO

Drivers with Good Credit

GEICO

Drivers with Poor Credit

GEICO

Drivers with a Clean Record

GEICO

Drivers with One Speeding Violation

State Farm

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers

GEICO

High-mileage Drivers

GEICO

Drivers with Low Coverage

GEICO

Drivers with High Coverage

GEICO

Drivers with Used Cars

GEICO

Drivers with New Cars

GEICO

Of all the representative driver profiles in our study, the 60-year-old female profile had the lowest average sample rate: around $1,700. On the opposite end of the spectrum, the profile with poor credit gets the highest average study rate: about $3,400. That’s a higher study rate than the profile with a DUI in Florida.

To find which car insurance company offers the lowest rates, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included males and females aged 25, 35, and 60. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Why Car Insurance Rates Vary in Florida

Florida is one of the most expensive states for insuring a vehicle, and the city of Hialeah is the most expensive area. The cities of Miami, Hialeah, and Tampa all have average rates in our study of about $2,500 or higher per year. Auto insurance is so expensive in greater Miami that it skews the averages for the rest of the state, according to the Miami New Times.

A 2015 report noted that rampant car insurance fraud in Miami drives up rates, as well as conditions beyond most drivers’ control, like traffic congestion. However, Miami drivers can take responsibility for the rest of the reasons cited for such high rates: not yielding at stop signs, not bothering with turn signals, texting while driving, and “creative drivers who speed.”

As Dave Barry, a Pulitzer Prize-winning humorist and Miami resident wrote in the Miami Herald in February 2000: When you’re driving in Miami, “You're out there with people who apparently took Driver's Ed from Saddam Hussein; people who observe the traffic laws to the same degree that the Unabomber observed the postal regulations; people who refuse to allow trivial matters such as steering to interfere with their cellular phone conversations, hair care, nasal hygiene, narcotics ingestion, etc.” While that’s a bit of an exaggeration, the congestion around Miami and the driving habits of its residents all lead to crashes, which lead to claims, which lead to higher auto insurance rates.

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How to Get the Cheapest Car Insurance in Florida

One of the most common ways to get a discount on your auto insurance is to not have any accidents. If you do have an accident, keeping a clean record for a few years afterward can help soften the financial blow. For instance, State Farm offers a discount if you don’t have a chargeable accident for three years, with possible further discounts for longer-term accident-free periods. Most major insurers offer a similar discount for safe driving.

Several insurers also offer lower rates for safe drivers who allow their driving to be monitored. Allstate was one of the first to introduce this with Drivewise, which is now an app that lives on your phone – no extra plug-in required. This program, which is similar to others, monitors speed, braking, and time of day that a trip is taken, all of which are factors in causing car accidents.

Another way to lower your auto insurance rates is to insure your home or another car with the same insurer. Most insurance companies give discounts to policyholders who “bundle” their insurance with one provider.

The way you pay can make a difference, too. Paying your annual premium in full, rather than breaking it up into monthly or biannual payments, can earn you a discount – or at least help you avoid extra processing fees that may be tacked on. If you can set up automatic electronic payments, all the better.

Important Laws Around Auto Insurance in Florida

Florida is one of only a few no-fault states. That means in the case of an accident, your own required personal injury protection coverage will pay for the first $10,000 in medical bills. It doesn’t matter whose fault the accident was. If your medical costs rise above your PIP coverage and the other party was at fault, you may sue the other driver for the remainder of your treatment costs.

If you don’t own a car, you can still get non-owner insurance. Some people do this to maintain coverage while they don’t have a vehicle of their own so that when they do buy a car, the insurance isn’t as expensive as it would be for someone with a gap in coverage. Others, like those who have been convicted of a DUI in Florida and had their license revoked, are required to have non-owner insurance. In Florida, it’s known as filing an FR44, which lets that state know that you have insurance coverage even though you can’t drive. The state wants to be sure that you have high liability coverage so that, when you do get your license back, you’re covered for injuring someone or causing property damage even in a car you don’t own.

In 2014, Florida became one of 37 states (at last count) that allows drivers to show officers a digital insurance card on their phone or other device if they are pulled over or involved in an accident. Apparently, drivers in Florida aren’t diligent about carrying their physical cards with them. In 2012, 326,000 tickets were issued for not having proof of insurance, but 250,000 of those citations were dismissed when the driver later offered proof. Having it on your phone certainly helps avoid this penalty.

Florida Driving Laws and Punishments

Florida is similar to many other states in that making a call in your car is legal, but texting is illegal. Like in many other states, texting while driving is a secondary offense. You can’t be pulled over for it, but if you’re pulled over for any other reason, such as speeding, and the officer saw you texting while driving, you’ll be cited for both infractions. Texting will add three points to your license, unless it results in a crash, in which case it adds six points.

There’s a laundry list of potential penalties for driving under the influence in Florida with a blood alcohol level (BAL) of .15 or higher, including a minimum $500 fine, 50 hours of community service, probation, and DUI school. If you have a BAL of .08 or higher and there’s a minor in the car, you could go to jail for up to nine months. These are all for first offenses; the penalties only go up from there. Drivers under the legal drinking age of 21 who have a BAL of just .02 will automatically have their license suspended for six months.

If you let your auto insurance lapse in Florida, the insurance company is required to report it to the Department of Highway Safety and Motor Vehicles. The DHSM will then notify you that you need to provide proof of new insurance. If you don’t have the required minimum insurance coverage in place, the state of Florida will suspend your driver’s license, the plates on your car, and your registration for up to three years. You can undo the suspension by presenting proof of insurance and paying a $150 reinstatement fee.

Florida Car Insurance FAQs

Is Car Insurance Required in Florida?

Yes, car insurance is required in Florida, but the requirement is lower than in many other states. Only personal injury protection (PIP) and property damage liability (PDL) coverage are required. A minimum of $10,000 in coverage is required for each.

Which Cars Are Required To Be Insured in Florida?

If your car is registered in Florida, it must have Florida insurance. Even if you park your car in the garage in your winter home then head north for six months, that car must be insured if it is registered. If it has a Florida license plate, it has to be insured.

When Should I Get Car Insurance in Florida?

You should get car insurance as soon as you register your car in Florida. Whether your vehicle is newly purchased or you just moved to the state, as soon as you register it and get a Florida plate, you must have Florida insurance.

What Happens if My Car Is Not Properly Insured in Florida?

If you do not have proper auto insurance in Florida, your license can be suspended for up to three years or until you show that you have proper insurance in place. Reinstating your insurance will cost you a minimum of $150, but the fine can go up to $500 if you’re caught without insurance multiple times.

Is Florida a No-Fault State?

Yes, Florida is a no-fault state, which means that your personal injury protection (PIP) coverage will pay for your medical bills no matter who caused the accident.

Do I Need Uninsured Motorist Coverage in Florida?

No, Florida does not require drivers to carry uninsured or underinsured motorist coverage.

Is Liability Insurance Required in Florida?

Yes, property damage liability (PDL) is required, with a minimum of $10,000 in coverage. This will pay for repairs to a vehicle or other property when you’ve caused an accident.

Does Florida Accept Digital Insurance Cards?

Yes, Florida accepts digital insurance cards.