Cheapest Car Insurance in Florida: 2025 Guide

Finding the cheapest car insurance coverage in Florida can be tricky, but we’ve done the research for you. We value the connection between drivers and insurers, and we’ll help you find trusted providers who understand your specific needs.

In this guide, we compare top providers and coverage levels to give you the cheapest car insurance rates in Florida for 2025. We'll also explore how factors like your location, driving history, and credit score impact your car insurance premiums. With our guide, you'll have all the information needed to secure the best car insurance deals in Florida and keep more money in your pocket. At Think Save Retire, we can also provide you with the best car insurance quotes based on your circumstances.

Minimum Car Insurance Requirements in Florida

Florida law requires all motor vehicle owners to have continuous car insurance coverage to drive legally. The state's minimum requirements are unique because Florida operates under a "no-fault" system. This means your own insurance company is responsible for paying for your injuries and, in some cases, your lost wages, regardless of who was at fault for the accident. Comprehensive coverage includes:

Personal Injury Protection (PIP):

• $10,000 per person.
• Personal Injury Protection (PIP) is a no-fault coverage that pays for 80% of your medical expenses and 60% of lost wages, up to the $10,000 limit, after an accident. It also covers your passengers and, in some cases, pedestrians and bicyclists.

Property Damage Liability (PDL):

• $10,000 per accident.
• Property Damage Liability (PDL) covers the cost of damage (e.g., repair costs) that you, or a driver of your car, cause to other people's property, such as their vehicle, fence, or building.

Bodily Injury Coverage (BI): Not required unless you’ve had a previous at-fault accident, but many choose to add it for injury claims and financial protection in the event of a serious accident that could result in costly medical bills or lawsuits.

Collision Coverage: Optional coverage for more protection against damage and expensive repair costs to your own vehicle.Note: Full Coverage typically refers to a policy that includes PIP, PDL, BI, and collision.

Average Costs of Car Insurance in Florida

The average cost of full coverage car insurance in Florida is approximately $3,874 per year, which is 45% higher than the national average of $2,679. Regarding minimum coverage, the average annual premium is $1,056. Florida costs can vary significantly based on aspects such as driving history, credit score, age, and location within the state.

Cheapest Car Insurance Companies in Florida

Minimum Coverage

Based on recent data, the following companies offer the cheapest auto insurance in Florida for the minimum required coverage:

Full Coverage (Annual)

Full coverage provides financial security in the event of a serious accident, theft, or natural disaster. Recent data from Bank Rate shows that State Farm is currently offering the cheapest auto insurance in Florida. Other companies line up as follows:

Geico and State Farm offer some of the lowest Florida car insurance (cheapest) premiums for minimum coverage. For full coverage, Geico’s rates are now averaging at around $4,220 annually. State Farm is more affordable, particularly for drivers with a clean driving record, offering full coverage at an average of $2,838 per year. Allstate and Progressive also provide competitive rates for young drivers or those with a history of traffic violations.

Cheapest Car Insurance in Florida by Driver Profile

1. Teens

Car insurance for teens in Florida is among the most expensive in the country. All State has the cheapest auto insurance coverage (minimum) for teens, offering an annual average rate of $1,853. However, their full coverage rates are on the higher side at $5,992.

State Farm has the cheapest Florida car insurance options for full coverage, with an annual average of $5,483 and a minimum rate of $1,912.

2. Young Adult Drivers

Young drivers in Florida often face higher car insurance premiums due to their lack of driving experience. However, some insurers offer competitive rates as follows:

Geico and State Farm offer the most affordable options for young drivers. Geico's rates for full coverage average at $3,543 annually, while State Farm offers minimum coverage at $1,144 per year.

3. Adults

Our analysis shows that State Farm offers the cheapest sample rates. Both male and female adult drivers have an annual average of $2,022. Geico and Travelers follow State Farm. (See Cheapest Auto Insurance In Florida By Age & Gender below).

4. Senior Drivers

Senior drivers often benefit from discounts based on their long driving history and experience. The following table outlines the cheapest auto insurance coverage options for senior drivers in Florida:

Senior drivers have the lowest sample rates in Florida. State Farm provides competitive rates for drivers in their 60s and 70s, with full coverage costs averaging $1,862 and $1,961 annually.

Cheapest Auto Insurance In Florida By Age & Gender

Cheapest Car Insurance for Drivers with Traffic Violations

Traffic violations can significantly increase insurance premiums. Here are some of the best options for drivers with a history of speeding tickets, DUIs, or at-fault accidents:

Geico provides competitive rates for drivers with a speeding ticket and for those with an at-fault accident. For drivers with a DUI, Progressive stands out with full coverage rates starting at $7,290 annually.

Cheapest Car Insurance in Florida by Annual Mileage

In Florida, low-mileage drivers often pay less in comparison to high-mileage drivers. Sometimes, insurers can use your mileage data to predict your likelihood of being involved in an accident. Companies that offer cheap auto insurance rates in Florida by annual mileage include:

Cheapest Car Insurance in Florida by Credit History

The lower your credit score, the higher your auto insurance premiums. Your credit history has a strong impact on your auto insurance coverage rates. In Florida, insurance companies have a "credit-based insurance score." This score predicts just how likely you are to file a claim. The cheapest Florida car insurance for drivers with a poor credit history is USAA, followed by other companies as noted below:

Cheapest Car Insurance in Florida for Military Families

In Florida, military members, veterans, and their families are often eligible for special discounts and rates that result in cheap car insurance.

The most competitive company for military families is USAA, which specializes in serving this community and is consistently ranked as having the lowest premiums.

Liberty Mutual also offers discounts for military members, safe drivers, and customers who bundle auto and home insurance.

Cheapest Car Insurance in Florida by Location

Insurance premiums in Florida can vary significantly based on location due to factors like population density, crime rates, and risk of natural disasters. Below are some of the cheapest Florida car insurance costs for different cities:

Miami and Tampa have some of the highest insurance costs due to their large populations and higher rates of vehicle theft and accidents. In contrast, cities like Orlando and Jacksonville offer slightly lower rates.

How to Save on Car Insurance Costs in Florida

Here are some strategies to help lower your auto insurance costs in Florida:

1. Compare Quotes: Start by comparing quotes from trusted names like State Farm, Geico, Liberty Mutual, Sunshine State, and Progressive. It doesn't matter if you're a new customer or a seasoned insurance buyer; regularly compare quotes to find the best rates. Note that completing a quote form with accurate details ensures you receive the most personalized options.
2. Bundle Policies: If you're looking for FL car insurance (cheap), consider bundling your auto insurance with other types of insurance, like homeowners or renters insurance, for discounts.
3. Increase Deductibles: Raising your deductible can lower your monthly premium, but ensure you can afford the out-of-pocket cost in the event of a claim.
4. Take Advantage of Discounts: Examine rates and find discounts such as safe driver, multi-car, and good student discounts.
5. Maintain a Clean Driving Record: Avoid traffic violations and accidents to keep your premiums low.
6. Improve Your Credit Score: A better credit score can help reduce your insurance costs.

Another thing which is often overlooked is to really understand what your policy does—and doesn't—cover. For example, many people ask, “Will my insurance cover me if I drive someone else’s car in Florida?” The answer depends on your policy and the situation. Some policies extend coverage, while others don’t. If you regularly drive a car you don’t own—like a company car or a friend’s vehicle—you need to check with your provider to avoid gaps in coverage.

Note: If you’re still paying off your car loan, talk to your lender about insurance requirements before switching or reducing coverage, as they may impose specific policy limits.

Frequently Asked Questions

Who Has the Cheapest Car Insurance in Florida?

You can find cheap auto insurance in Florida from State Farm and GEICO. Your rates will vary based on factors like your driver's profile, record, credit history, and location.

How Much Should Car Insurance Cost in Florida?

The average full coverage policy costs around $2,838 annually, while the average minimum coverage costs $923 annually; however, your costs may differ based on personal factors.

Why is Florida Car Insurance So Expensive?

Florida's high premiums are due to natural disasters, dense population, a high rate of uninsured drivers, no-fault insurance laws, and a significant amount of insurance fraud. These factors increase the cost of providing adequate protection to drivers.

What is the Minimum Car Insurance in Florida?

Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Bodily injury coverage, also known as Bodily Injury Liability (BIL), is not required unless you’ve had certain serious violations, such as a DUI. This is the bare minimum coverage required for auto insurance in Florida. If you're caught driving without the required PIP and PDL coverage, your driver's license and license plate can be suspended for up to three years.

What is Good Car Insurance Coverage in Florida?

Good coverage includes higher liability limits, collision and comprehensive coverage, and uninsured/underinsured motorist coverage, which is important due to Florida's high rate of uninsured drivers.

What's the Best Way to Save Money on Car Insurance in Florida?

If you want to save money, comparison shop, maintain a good driving record, increase your deductible, ask for discounts, bundle policies, maintain good credit, and choose a vehicle that's less expensive to insure. For instance, Liberty Mutual offers features like accident forgiveness and usage-based pricing, helping you save money.

Which City in Florida has the Highest Car Insurance Rates for Full Coverage?

Miami has the highest car insurance rates for full coverage in Florida, with an average annual premium of $4,790.

Which City offers the Most Affordable Car Insurance in Florida?

Jacksonville offers the cheapest Florida car insurance, with full coverage averaging $3,377 annually and minimum coverage at $281.

What Happens After I Receive Quotes?

After comparing your personalized quotes, proceeding with the purchase is simple. Just choose your insurer, review and verify your details, then finalize your coverage.