Cheap Auto Insurance in Florida for 2024 (Save Money With These 10 Providers)
The cheap auto insurance in Florida starts at a $30/month rate from top companies like Geico, American Family, and State Farm. These companies are known for great customer satisfaction and competitive pricing. When comparing rates, check coverage limits and discounts. Keep reading for more information.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Nov 7, 2024
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Min. Coverage in Florida
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17,759 reviewsTop companies Geico, American Family, and State Farm offer cheap auto insurance in Florida, with rates starting at $30/month.
A robust auto insurance policy can help you prepare for any surprises you may encounter while sitting behind the steering wheel. With so many car insurance providers hustling for your business, how can you determine which one has your best interests at heart?
Our Top 10 Company Picks: Cheap Auto Insurance in Florida
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $30 | A++ | Low Rates | Geico |
 | #2 | $32 | A | Generous Discounts | American Family |
 | #3 | $35 | B | Reliable Service | State Farm |
 | #4 | $40 | A+ | Customizable Plans | Progressive |
 | #5 | $45 | A+ | Comprehensive Coverage | Nationwide |
 | #6 | $48 | A++ | Customer Satisfaction | Travelers |
 | #7 | $50 | A | Flexible Options | Liberty Mutual |
 | #8 | $50 | A+ | Extensive Discounts | Allstate |
 | #9 | $52 | A | Competitive Pricing | Mercury |
 | #10 | $55 | A | Policy Bundling | Farmers |
We’ve got all the details on Florida’s numerous car insurance providers and automobile-oriented state laws. Read through and learn what you can about what kind of car insurance you need to pay for and why that coverage benefits you.
You can enter your zip code to compare auto insurance rates in your area.
- Auto insurance in Florida starts at $30 per month
- Florida has high insurance premiums and unique no-fault laws affecting coverage
- Factors like location, driving record, and car ownership impact insurance rates
#1 – Geico: Top Overall Pick
Pros
- Low Rates: Geico offers some of the most affordable rates for cheap auto insurance in Florida, starting at $30/month. Their A++ rating from A.M. Best indicates solid financial stability.
- Extensive Discounts: Geico provides numerous discounts, including savings for safe drivers and multi-policy bundling. It is best for those looking to maximize savings on cheap auto insurance.
- Easy Online Management: Geico’s user-friendly online tools make managing auto insurance convenient and straightforward. Our Geico auto insurance review discusses this in more detail.
Cons
- Limited Coverage Options: Geico may offer fewer customization options than other providers, which could be a downside if you need specialized coverage.
- Variable Rates: While Geico offers low starting rates, individual rates can vary significantly based on factors like driving history and location.
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#2 – American Family: Best for Generous Discounts
Pros
- Generous Discounts: American Family provides various discounts that make cheap auto insurance in Florida even more affordable. Their A rating from A.M. Best reflects their solid financial standing.
- Customizable Coverage: This option offers flexible coverage options, allowing you to tailor your policy to fit your needs. Visit our American Family auto insurance review to learn more.
- Strong Customer Service: Known for excellent customer service, ensuring that policyholders receive prompt assistance and support. It is best for those who value responsive customer service.
Cons
- Higher Rates for Some Drivers: Rates might be higher for high-risk drivers, making them less affordable for specific individuals.
- Limited Online Tools: American Family’s online tools may not be as advanced as some competitors, which could be a drawback for tech-savvy users.
#3 – State Farm: Best for Reliable Service
Pros
- Reliable Service: As mentioned in our State Farm auto insurance review, it is well-regarded for dependable service and offers peace of mind with cheap auto insurance in Florida.
- Local Agents: State Farm’s extensive network of local agents provides personalized service and support. It is best for those who prefer face-to-face interactions for their auto insurance.
- Solid Discounts: Provides various discounts to help reduce the cost of cheap auto insurance in Florida. Best for those who want to take advantage of discount opportunities.
Cons
- Higher Premiums for Young Drivers: Younger drivers may face higher premiums than other providers.
- Limited Online Features: Some competitors offer less robust digital tools and online management options.
#4 – Progressive: Best for Customizable Plans
Pros
- Customizable Plans: Progressive offers a range of customizable coverage options that fit your needs. Their A+ rating from A.M. Best supports their ability to deliver flexible plans.
- Snapshot Program: Their Snapshot program allows you to save on cheap auto insurance in Florida by monitoring your driving habits. It is best for safe drivers looking for additional savings.
- Strong Financial Stability: A.M. Best’s A+ rating indicates strong financial health, ensuring reliable coverage and claims handling.
Cons
- Higher Rates for High-Risk Drivers: Drivers with poor records or high-risk profiles might experience higher premiums. Read more through our article entitled “Progressive Insurance Review.”
- Complex Policy Options: The range of options and add-ons can be overwhelming, potentially complicating the selection process.
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#5 – Nationwide: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Nationwide offers extensive coverage options, including many add-ons that enhance your cheap auto insurance in Florida.
- Strong Customer Service: Known for good customer service, which ensures that policyholders receive support when needed. It is best for those who value high-quality customer service.
- Flexible Payment Plans: This plan offers various payment options to help you manage your premiums effectively. It is best for those who need flexible payment arrangements.
Cons
- Higher Initial Rates: Starting rates may be higher compared to some competitors, which could affect overall affordability.
- Mixed Customer Reviews: According to our Nationwide auto insurance review, some customers report mixed experiences with service quality.
#6 – Travelers: Best for Customer Satisfaction
Pros
- High Customer Satisfaction: Travelers is known for its strong customer satisfaction. Its A++ rating from A.M. Best reflects its robust financial health.
- Good Claims Handling: Well-regarded for efficient claims processing and handling. Best for those who want a smooth claims experience. Find out more in our Travelers auto insurance review.
- Strong Financial Strength: A.M. Best’s A++ rating indicates excellent financial stability, supporting reliable coverage. It is best for those who prioritize financial security in their insurance.
Cons
- Higher Premiums for Some Drivers: Rates may be higher for drivers with certain risk factors.
- Potentially Limited Discounts: Fewer discount opportunities compared to some competitors.
#7 – Liberty Mutual: Best for Flexible Options
Pros
- Flexible Coverage Options: Liberty Mutual offers a wide range of customizable options, allowing you to tailor your policy to your needs.
- Competitive Discounts: This company provides various discounts for safe drivers and multiple policies. It is best for those looking to save through discount opportunities.
- Wide Network of Agents: As our Liberty Mutual auto insurance review shows, a broad network of local agents offers personalized support and assistance.
Cons
- Higher Rates for Certain Drivers: Premiums may be higher for drivers with poor credit or a history of violations.
- Complex Policy Details: The range of options and add-ons can be overwhelming and complex.
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#8 – Allstate: Best for Extensive Discounts
Pros
- Extensive Discounts: Allstate offers numerous discount opportunities, which can make auto insurance even more affordable. Read more in our detailed Allstate auto insurance review.
- Customizable Coverage: This company offers a variety of coverage options to tailor your policy to your specific needs. It is best for those who need flexible and customizable cheap auto insurance.
- Good Customer Service: Generally well-regarded for customer support, offering assistance and support when needed. Best for those who value vital customer service with their auto insurance.
Cons
- Higher Premiums for Young Drivers: Rates for younger drivers can be relatively high, which might make cheap auto insurance in Florida less affordable for this group.
- Mixed Customer Feedback: Some customers report varying experiences with service quality, which could be a consideration for potential policyholders.
#9 – Mercury: Best for Competitive Pricing
Pros
- Competitive Pricing: Mercury offers competitive rates, making it a strong choice for cheap auto insurance in Florida. Their A rating from A.M. Best indicates solid financial stability.
- Various Discounts: This company provides a range of discounts, including for safe driving and bundling policies. It is best for those looking to take advantage of discount opportunities.
- Solid Customer Support: Known for effective customer service, ensuring that policyholders receive the support they need. Best for those who value strong customer support.
Cons
- Limited Coverage Options: This provider may offer fewer coverage options than others, which could be a drawback if you need specialized coverage.
- Potential for Rate Increases: Some policyholders report that rates can increase significantly over time. Learn more about this in our Mercury auto insurance review.
#10 – Farmers: Best for Policy Bundling
Pros
- Policy Bundling Discounts: Farmers offer substantial savings for bundling auto insurance with other policies, which can make auto insurance in Florida even more affordable.
- Comprehensive Coverage Options: This policy provides various coverage options for multiple needs. It is best for those who want flexible and extensive coverage with their auto insurance.
- Good Customer Service: Known for effective customer service and support, ensuring a positive experience for policyholders. It is best for those who prioritize strong customer support.
Cons
- Higher Rates for Some Drivers: As our article “Farmers Auto Insurance Review” states, premiums can be higher for drivers with certain risk factors.
- Complex Policy Details: The variety of options and add-ons can be overwhelming, making it challenging to choose the proper coverage.
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Florida Car Insurance Coverage and Rates
Navigating Florida’s car insurance options can be overwhelming, especially with different providers and coverage requirements. Instead of spending countless hours researching independently, use this guide to break down Florida’s auto insurance policies.
Understanding the coverage requirements, add-ons, and options available will prepare you to find the best deal. Whether you’re searching for cheap auto insurance in Florida or need more comprehensive coverage, our guide will help.
Florida Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $50 | $125 |
| $32 | $92 |
| $55 | $135 |
| $30 | $90 |
| $50 | $130 |
| $52 | $128 |
| $45 | $120 |
| $40 | $110 |
| $35 | $95 |
| $48 | $120 |
Florida’s unique no-fault insurance laws require a minimum of $10,000 in property damage liability and personal injury protection. While bodily injury liability insurance isn’t mandatory, adding it can provide extra protection.
Exploring coverage options and understanding state requirements will help you get the best rates while ensuring you’re adequately covered. Florida has some of the highest car insurance premiums in the U.S., so reviewing different options is essential.
Florida Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Average Claim Size | B | Claims are generally average compared to other states. |
| Traffic Density | B | Medium to high traffic density, particularly in urban areas like Miami. |
| Uninsured Drivers Rate | C | Higher-than-average rate of uninsured drivers, common in urban Florida areas. |
| Vehicle Theft Rate | C | Moderate vehicle theft rate, slightly above the national average. |
| Weather-Related Risks | C | Higher risk due to hurricanes and seasonal storms. |
Residents typically pay 2.15% of their income on auto insurance, with prices varying based on location, age, and other factors.
Understanding your options, including uninsured motorist coverage and MedPay, can protect you financially.Ty Stewart Licensed Insurance Agent
This guide will provide the tools to secure affordable insurance while meeting Florida’s legal requirements.
Florida Car Insurance Companies
Finding cheap auto insurance in Florida can be challenging, with many companies vying for attention. Small, family-run insurers and larger national providers offer various options. It’s essential to evaluate both to find the best fit for your needs.
Auto Insurance Discounts From the Top Providers in Florida
| Insurance Company | Available Discounts |
|---|---|
 | Multi-policy, Multi-vehicle, Safe driver, Good student, Anti-theft device, Early signing, Full pay, Responsible payer, Paperless, New car, EZ pay plan, Deductible rewards, Smart student |
 | Multi-policy, Multi-vehicle, Loyalty, Early bird, Auto pay, Full pay, Steer into savings, Good driver, Good student, Young volunteer, Generational, Defensive driver, Teen safe driver, Away at school |
 | Multi-policy, Multi-vehicle, Good student, Safe driver, Bundling, Homeowner, Professional, Occupational, Pay in full, Signal (usage-based), Shared family car, Teen driver, Distant student |
 | Multi-policy, Multi-vehicle, Good driver, Good student, Military, Emergency deployment, Federal employee, Membership and employee discounts, Seat belt use, Anti-theft system, Defensive driving, Driver’s education, New vehicle, Customer loyalty |
 | Multi-policy, Multi-vehicle, Good student, Good driver, Early shopper, Pay in full, Online purchase, New vehicle, Hybrid vehicle, Homeowner, Military, Occupational, Affinity group |
 | Multi-policy, Multi-vehicle, Good driver, Good student, Anti-theft, Low mileage, Pay in full, Autopay, E-signature, Affinity group |
 | Multi-policy, Multi-vehicle, Good student, Anti-theft, Defensive driving, Safe driver, Accident-free, Paperless, Auto pay, SmartRide (usage-based) |
 | Multi-policy, Multi-vehicle, Homeowner, Good student, Distant student, Online quote, Paperless, Pay in full, Automatic payment, Continuous insurance, Snapshot (usage-based) |
 | Multi-policy, Multi-vehicle, Good driver, Good student, Driver training, Accident-free, Vehicle safety, Passive restraint, Anti-theft, Defensive driving, Renewal, Safe driver, Low mileage |
 | Multi-policy, Multi-vehicle, Homeownership, Hybrid/electric vehicle, New car, Safe driver, Continuous insurance, Good payer, Good student, Early quote, Paid in full, EFT, IntelliDrive (usage-based) |
Financial ratings are a good starting point when assessing car insurance providers in Florida. The higher the ratings, such as A++, from top companies, the stronger their financial stability. While financial strength is necessary, customer service ratings also play a crucial role in determining the best provider.
In addition to ratings, factors like rates, coverage levels, and customer complaints should be considered. Cheap auto insurance in Florida varies based on commute times, credit history, and driving records.
5 Most Common Auto Insurance Claims in Florida
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collisions | 30% | $7,000 |
| Parking Lot Accidents | 20% | $5,500 |
| Vehicle Theft | 15% | $9,000 |
| Vandalism | 10% | $4,500 |
| Weather-Related Incidents | 10% | $6,500 |
By reviewing these elements, you can find an insurance company that meets your specific needs at an affordable rate. Don’t forget to enter your ZIP code when comparing rates to find the cheapest auto insurance in your region.
Florida’s Automotive Laws and Legalities
Understanding Florida’s automotive laws is essential for drivers to ensure safe and legal driving practices. Keeping up with these legalities helps you avoid penalties and provides safer roads for everyone.
Florida has specific rules regarding insurance coverage, including high-risk insurance options for those with violations like DUIs and SR-22 or FR-44 requirements.
For those seeking cheap auto insurance in Florida, comparing coverage options and asking about available car insurance discounts is essential. While the state doesn’t offer government-sponsored insurance for low-income drivers, companies provide various discounts to help reduce premiums.
Florida Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Bundling (Auto + Home) | A | 25% | Allstate, Progressive, State Farm, Nationwide |
| Multi-Car Discount | A | 25% | Geico, Progressive, State Farm, Allstate, USAA |
| Good Student Discount | A | 20% | Geico, Allstate, Progressive, State Farm |
| Safe Driver Discount | B+ | 30% | State Farm, Farmers, Allstate, USAA |
| Anti-Theft Device Discount | B | 15% | Geico, Progressive, Nationwide |
In addition, comply with legal requirements, such as maintaining proof of insurance and following the state’s minimum coverage guidelines.
Lastly, drivers must stay informed about safety laws such as DUI and distracted driving regulations. Florida has strict penalties for driving under the influence and texting while driving, aiming to reduce accidents and improve road safety.
Florida Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Jacksonville | 16,000 | 12,000 |
| Miami | 25,000 | 18,000 |
| Orlando | 20,000 | 15,500 |
| Tallahassee | 10,000 | 7,500 |
| Tampa | 18,000 | 13,500 |
Understanding these laws and keeping your auto insurance in line with state regulations will help you avoid legal troubles and maintain low-cost coverage.
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Understanding Driving Conditions and Insurance in Florida
Driving in Florida presents unique challenges, from vehicle theft to high fatality rates. Major cities like Miami have the highest car theft rates, with pickup trucks and Honda Civics being prime targets.
Additionally, fatal crashes have been on the rise, especially in urban areas, where speeding and alcohol-impaired drivers contribute to the number of accidents.
The weather also plays a critical role in road safety, with hurricanes and poor visibility leading to more accidents during certain seasons. Florida’s EMS services respond quickly, but drivers must take extra care, especially in congested areas.
When looking for cheap auto insurance in Florida, it’s essential to compare rates, as your ZIP code significantly influences what you’ll pay. It’s also necessary to keep up with these trends and stay informed to gain a comprehensive understanding of insurance and driving tips for road safety in Florida.
Finally, factors like car ownership and commute times reflect the lifestyle of Florida’s drivers. With heavy traffic congestion, especially in Miami, commuting alone is typical.
When selecting cheap auto insurance in Florida, consider these aspects to ensure you’re covered adequately. Enter your ZIP code to get accurate rates for your area.
Frequently Asked Questions
What is the starting monthly rate for cheap auto insurance in Florida?
The starting monthly rate for cheap auto insurance in Florida can be as low as $30, making it accessible for budget-conscious drivers. This affordability allows drivers to secure essential coverage without straining their finances.
Which companies are highlighted for offering affordable auto insurance in Florida?
The companies highlighted for offering affordable auto insurance in Florida include Geico, American Family, and State Farm. These providers are recognized for their competitive rates and high customer satisfaction.
For personalized quotes, make sure to enter your ZIP code to compare the best rates in your area.
What are the minimum coverage requirements for auto insurance in Florida?
Florida’s minimum auto insurance coverage requirements include $10,000 for Property Damage Liability (PDL) and $10,000 for Personal Injury Protection (PIP). While Bodily Injury Liability is not mandatory, adding it can provide additional protection.
Read more: Types of Car Insurance Coverage
Why is it important to compare coverage limits and discounts when shopping for auto insurance?
Comparing coverage limits and discounts is crucial because it helps ensure you get the best value for your insurance premium. Different providers offer various discounts and coverage options that can significantly affect the overall cost and adequacy of your coverage.
What unique driving conditions in Florida should drivers be aware of when selecting auto insurance?
Drivers in Florida should be aware of conditions such as high vehicle theft rates, severe weather events like hurricanes, and high traffic congestion, especially in urban areas like Miami. These factors can influence both insurance rates and coverage needs.
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What factors contribute to the variation in auto insurance premiums across different regions in Florida?
In Florida, auto insurance premiums vary based on factors such as location, commute times, credit history, and driving records. Areas with higher traffic congestion, higher crime rates, or more severe weather conditions may see higher premiums.
Which insurance provider is noted as the best overall pick in Florida?
Geico is noted as the best overall pick in Florida. It is recognized for offering a balance of affordability, customer service, and comprehensive coverage options.
What are the advantages of Bodily Injury Liability coverage in Florida?
Bodily Injury Liability coverage provides additional protection beyond the mandatory PIP coverage, helping cover medical expenses and legal costs if you are responsible for injuries in an accident. This coverage can be crucial for protecting your financial assets in more serious incidents.
For personalized quotes, make sure to enter your ZIP code to compare the best rates in your area.
How do Florida’s driving conditions impact auto insurance rates?
Florida’s driving conditions, such as high vehicle theft rates, severe weather, and heavy traffic, can lead to higher auto insurance rates. These factors increase the likelihood of claims and damage, prompting insurers to adjust premiums accordingly.
Read more: How to File a Claim?
What is the role of financial ratings when evaluating car insurance providers in Florida?
Financial ratings are essential when evaluating car insurance providers because they indicate the insurer’s financial stability and ability to pay claims. Higher ratings from agencies like A.M. Best suggest a provider is more reliable and secure.