Car Insurance in Florida
- Travelers offers the cheapest liability at $43/mo.
- Travelers offers the cheapest full coverage at $169/mo.
Enter your ZIP code to start your search for Florida car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Florida at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Florida
Cheapest liability coverage in FL
Travelers offered the cheapest liability coverage in Florida at $43/mo.
Cheapest full coverage in FL
Travelers offers the cheapest full coverage in Florida at $169/mo.
Best customer service in FL
GEICO / Allstate (Tie) both scored 660 (3.9% above average) in J.D. Power's latest study — the highest in Florida.[3]
Cheap liability insurance in Florida
The average cost for liability insurance in Florida is $435 for a 6-month policy.[1] For our user profile, Travelers offers the most affordable liability insurance options in the state.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Florida, a full coverage insurance policy with a $500 deductible costs $1,798, considerably more than liability-only car insurance.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $249 | $42 |
| Mercury | $295 | $49 |
| Allied | $381 | $64 |
| GEICO | $382 | $64 |
| MetLife | $415 | $69 |
| State Farm | $418 | $70 |
| AIG | $452 | $75 |
| Security National Ins Co | $538 | $90 |
| Progressive | $550 | $92 |
| Allstate | $567 | $94 |
| United Automobile Ins Group | $697 | $116 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
If you’re in Florida, your car insurance works differently than in most states. Florida follows a no-fault system, which means your own insurance pays for your injuries after an accident—regardless of who caused it. Drivers are required to carry Personal Injury Protection (PIP), but the state doesn’t require bodily injury liability coverage for most drivers. Combined with strict rules—like needing to seek medical care within 14 days to use PIP benefits—this system can leave some drivers underinsured if they’re not careful.[4]
Renata Balasco, Insurance writer with 5+ years experience
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| Company | Liability Coverage | Full Coverage |
|---|---|---|
| Travelers | $249 | $989 |
| State Farm | $418 | $1,383 |
| Progressive | $550 | $1,771 |
| MetLife | $415 | $1,872 |
| Mercury | $295 | $2,022 |
| GEICO | $382 | $1,927 |
| Allstate | $567 | $2,295 |
| Allied | $381 | $1,532 |
| AIG | $452 | $2,637 |
Source: The Zebra
Cheapest full coverage insurance in Florida
In 2026, the average cost of full coverage insurance in Florida is $1,798 for a six-month policy. Full coverage is a popular choice here, with 78% of The Zebra’s Florida customers opting for quotes that offer this more comprehensive protection.[2]
While this is substantially more than liability-only car insurance in Florida, The Zebra usually recommends adding comprehensive and collision coverage (aka, full coverage) insurance if your vehicle is worth $4,000+. This is because liability-only insurance does not adequately protect you against the costs of car accidents, thefts, vandalism, or weather incidents.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $989 | $165 |
| State Farm | $1,383 | $231 |
| Progressive | $1,771 | $295 |
| GEICO | $1,927 | $321 |
| Allstate | $2,295 | $383 |
Source: The Zebra
Local insights
Drivers near you in Florida weigh in
"Progressive is who I used when I lived in Florida. The rep said my cost was some of the lowest he had seen in Florida and it was still 3x higher than my insurance cost in Indiana."
- Reddit user r/Florida
"Just switched from Allstate to Progressive. Allstate was $187 and Progressive is $98 now. I drive said car like maybe 20 miles a month, it mostly hangs out in the garage."
- Reddit user r/Florida
Compare car insurance rates from the best companies in Florida.
What are the best car insurance companies in Florida?
We’ve named both GEICO / Allstate (Tie) as Florida's top car insurance providers. Our decision is based on a combination of consumer feedback and expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick.
You've done your research. Let us take it from here
Way to go—this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Car insurance in popular Florida cities
Car insurance companies calculate your rate based on many factors, with the location of the vehicle being an important one. The cheapest car insurance is found in Gainesville, Florida and the most expensive in West Palm Beach, Florida.
Have a look at the table below to see average car insurance costs in some of Florida biggest cities.
Source: The Zebra
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Source: The Zebra
Insider knowledge, trusted guidance
Our in-house pros make insurance easier.
With a 10-year career in the insurance industry, Jordan brings a wealth of experience in property and casualty insurance. He has experience in both c…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Licensed Insurance Agent — Life, Health and Variable Annuities
- 10+ insurance experience
Amber Vigil has three years of experience in the insurance industry and joined The Zebra in 2024. As manager, she leads a group of sales agents, ensu…
Credentials
- Licensed Insurance Agent — Property and Casualty
Johnny’s insurance experience began when he joined The Zebra in 2020 as a Customer Experience Agent, supporting the sales team by servicing policies …
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years experience in property & casualty insurance
Florida auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Florida. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Florida insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
The Zebra's guide to Florida car insurance laws for high-risk drivers
For high-risk drivers in Florida with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Florida's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
Florida DUI laws
In Florida, a DUI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Florida
If you're convicted of a DUI or DWI violation in Florida, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Florida.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1,460 | $243 |
| State Farm | $2,323 | $387 |
| Progressive | $2,380 | $397 |
| GEICO | $2,978 | $496 |
| Allstate | $3,057 | $510 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Florida SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Florida to ensure that you remain insured.
Florida also has an FR-44 form, which is similar to an SR-22 except that it often requires much higher levels of liability coverage. Finding cheap auto insurance with an SR-22 in Florida might require some research, but it could pay off in the end.
How to acquire an SR-22 or FR-44 in Florida
For currently insured drivers
If you already have auto insurance, getting an SR-22 or FR-44 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 or FR-44 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 or FR-44 request for you and to cover your high-risk driving profile. Needing an SR-22or FR-44 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Florida in minutes!
How have car insurance costs in Florida changed?
Florida’s auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
Save money on your next car insurance policy!
Florida car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Florida auto insurance.
Overpaying for car insurance? Compare quotes to discover how much you can save.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
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2025 U.S. Auto Insurance Study. J.D. Power
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Florida 14-day PIP rule. Florida Statute §627.736 explanation
RECENT QUESTIONS ABOUT CAR INSURANCE IN FL
Can I remove a vehicle from my policy if it is broken down?
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
