Best Car Insurance in Florida

Last Updated on January 2, 2026

Florida is notorious for having some of the most expensive car insurance premiums in the United States. In recent rate studies, full coverage in Florida averages around the high-$3,000s per year, while minimum coverage often averages around the low-$1,000s per year—but your actual quote can be much higher (or lower) depending on your ZIP code, vehicle, driving history, and coverage choices.

The good news: you can still find affordable car insurance in the Sunshine State. The key is comparing multiple insurers, choosing the right coverages for Florida’s rules, and stacking discounts where you qualify.

Key Takeaways

1. Florida Is One of the Most Expensive States: Recent studies put average full coverage in the high-$3,000s per year, with minimum coverage often around the low-$1,000s—though your rate depends heavily on your ZIP code and driver profile.
2. Florida Requires PIP and Property Damage Liability: To register a vehicle, Florida generally requires $10,000 in PIP and $10,000 in property damage liability—and the state expects continuous coverage while your registration is active.
3. Minimum Coverage Can Leave Big Gaps: Florida doesn’t require bodily injury liability for most drivers, but many people add it (plus UM/UIM) to protect their finances after a serious crash.
4. SR-22 and FR-44 Are Proof Filings: High-risk drivers may need an SR-22 or FR-44 certificate after certain suspensions or DUIs—these filings can raise required limits and significantly increase premiums.

Top 10 Auto Insurance Companies in Florida

Florida auto insurance is expensive, but some companies consistently offer better value for certain driver profiles. Your “best” insurer depends on whether you prioritize the lowest price, the best claims experience, flexible coverage options, or help for high-risk situations. Start by getting quotes from at least 3–5 of the companies below.

1) USAA (If Eligible)

If you qualify for membership with USAA, it’s often one of the best values in Florida. USAA is known for strong customer satisfaction and competitive pricing for eligible military members and qualifying family members.

2) State Farm

State Farm has a huge footprint in Florida, with a large agent network and many discount opportunities. It’s often a strong pick for drivers who want in-person support and a familiar claims process.

3) GEICO

GEICO is a must-quote in Florida if you’re focused on price and prefer an online-first experience. In many states, GEICO is known for competing aggressively on premium—learn more about whether GEICO tends to be the cheapest and what factors can affect that.

4) Progressive

Progressive is often worth comparing in Florida if you want flexible coverage options and strong online tools. It can also be competitive for drivers with a mixed driving history, depending on the situation.

5) Travelers

Travelers is a solid option in Florida if you want a broad menu of coverage add-ons, flexible deductibles, and strong bundling potential for households with multiple insurance needs.

6) Allstate

Allstate is widely available across Florida and can be a good fit if you want a local agent, optional add-ons, and strong bundling discounts. It’s also commonly quoted by drivers in higher-cost metro areas.

7) Nationwide (Including Allied)

Nationwide can be a strong quote for bundling and households that want a single carrier for multiple policies. Some drivers may also see quotes through Nationwide’s Allied brand—see our Allied Insurance breakdown for what to expect.

8) Auto-Owners

Auto-Owners is often praised for customer service and claims handling. If you like working with an independent agent and want a carrier with a strong reputation, Auto-Owners is worth comparing in Florida.

9) Farmers

Farmers can be a good option for drivers who want an agent experience and a range of optional coverages. It may be especially worth quoting if you’re bundling multiple policies or you want broader protection than Florida’s minimum requirements.

10) Direct Auto

If you’re shopping for bare-minimum coverage, have credit challenges, or need a more non-standard insurer, Direct Auto is a common company Florida drivers compare. It won’t be the best fit for everyone, but it can be useful for certain high-risk profiles.

Florida Insurance Requirements

Florida has unique insurance requirements compared to many other states. Florida is a no-fault state for many injury claims, which is why the state requires personal injury protection (PIP).

To register (and keep registered) a vehicle in Florida, you generally must carry:

• $10,000 in PIP (covers certain medical expenses and related costs through your own policy)
• $10,000 in property damage liability (learn more about property damage liability coverage)

Unlike most states, Florida does not require most drivers to carry bodily injury liability insurance to register a personal vehicle. However, that doesn’t mean it’s a good idea to skip it. If you injure someone, bodily injury claims can be financially devastating without bodily injury liability coverage (and Florida drivers often choose to add it for protection).

Important Florida rule: Florida requires continuous coverage for registered vehicles. Even if your car is not being driven or is inoperable, you generally need to keep your policy active or properly surrender your plate before canceling. You can confirm the most current requirements directly with the state at FLHSMV.

If you don’t want a standard policy, Florida may allow certain qualified drivers or organizations to obtain a self-insurance certificate. Learn how it works here: self-insured car insurance.

Recommended Coverage Beyond Florida’s Minimums

Florida’s minimums can keep you legal—but they don’t automatically protect your finances after a serious crash. Many drivers consider adding:

• Bodily injury liability: Helps protect you if you injure someone.
• Uninsured/underinsured motorist (UM/UIM): Important in states with high uninsured driver rates.
• Collision and comprehensive: Especially important if your vehicle is financed or difficult to replace out of pocket.
• Higher property damage limits: Modern vehicles (and property claims) can exceed Florida’s minimum quickly.

How to Get Cheaper Car Insurance in Florida

Because Florida pricing varies wildly by insurer, shopping around is usually the fastest way to lower your premium. These tips also help:

• Compare at least 3–5 insurers: Don’t assume your current company is still competitive.
• Raise deductibles (carefully): Higher deductibles often lower premiums, but make sure you can afford the out-of-pocket cost after a claim.
• Ask about discounts: Multi-car, bundling, safe driver, good student, telematics, and pay-in-full discounts can add up.
• Re-check your coverages every renewal: Vehicles depreciate, and your coverage needs may change.
• Avoid lapses: Even a short lapse can trigger penalties and raise rates for years.

Driving Without Insurance in Florida

Driving without car insurance in Florida is illegal, and Florida also expects you to maintain required coverage continuously as long as the vehicle is registered.

If Florida suspends your license and registration for an insurance lapse, reinstatement fees commonly follow this schedule:

• $150 for the first reinstatement
• $250 for the second reinstatement within three years
• $500 for subsequent reinstatements within three years

If you’re pulled over and can’t show documentation, you may also face a citation for no proof of insurance. Here’s what to know: How much is a ticket for no proof of insurance?

Car Insurance in Florida with DUI

A DUI conviction in Florida can lead to major consequences: license revocation, reinstatement requirements, required courses, and higher insurance costs. Most drivers also see a big premium jump (often lasting multiple years). Learn more about how much insurance goes up after a DUI.

Florida is also known for requiring an FR-44 certificate for certain DUI-related reinstatements. An FR-44 is not a separate insurance policy—it’s a filing that proves you’re carrying higher-than-normal liability limits.

Car Insurance in Florida with At-Fault Accidents

Florida’s no-fault rules don’t mean “fault doesn’t matter.” PIP may pay first for certain injuries, but insurers still investigate crashes and determine responsibility. If you want a deeper explanation of how these systems differ, see our guide to tort vs. no-fault auto insurance systems.

An at-fault accident can raise your rates significantly in Florida—especially if there’s a large payout. If your premium jumps at renewal, it’s often worth re-shopping immediately and asking about forgiveness programs (where available).

Car Insurance in Florida with Speeding Tickets

In Florida, a minor ticket may not increase premiums much with some insurers, while other companies raise rates sharply—even after one violation. If you’re trying to estimate the damage, this guide can help: How much will a single speeding ticket increase your rates?

Car Insurance in Florida for Young Drivers

Florida already has expensive insurance, and drivers under 25 typically pay even more. The best strategy is to shop multiple insurers, grab every discount you qualify for, and avoid violations. These tips can help you find cheaper car insurance for young drivers in Florida.

Keeping a clean driving record matters more than anything—tickets and crashes can spike young-driver rates dramatically.

Car Insurance in Florida with Poor Credit

Florida allows many insurers to use credit-based rating factors, and a low score can make an already-expensive state even costlier. If your quotes seem unusually high, start here: Does credit score affect your car insurance rates?

SR-22 Insurance in Florida

Florida may require certain drivers to file proof of financial responsibility using an SR-22. Like an FR-44, an SR-22 is not a separate type of insurance—it’s a certificate your insurer files to prove you carry the required liability coverage.

SR-22 requirements are common after serious violations, suspensions, or certain crash-related situations. Many drivers must maintain an SR-22 continuously for about three years, although the exact requirement depends on your FLHSMV notice and the reason for the filing.

If you’re price-shopping, start here: Is it possible to find cheap SR-22 insurance?

If you’re unable to get coverage through the standard market, Florida’s “market of last resort” may be an option through the Florida Automobile Joint Underwriting Association (FAJUA). You can learn more at FAJUA.

FAQs on Car Insurance in Florida

Conclusion: How to Find the Best Auto Insurance in Florida

Florida car insurance is expensive, but you still have options. The fastest way to find the best value is to compare multiple insurers, make sure you meet Florida’s PIP/PDL requirements, avoid coverage lapses, and choose limits that protect you—not just the legal minimum.