Cheapest Car Insurance in Florida
Figures refreshed
Where Florida publishes rates, insurers are ordered by price, with tips for lowering what you pay.
- Legal minimum coverage averages $116 each month.
- At 1st of 51, this is the most expensive state (1st = highest).
Lowest-cost Florida coverage for an adult with a clean record
The state priced a Family with Young Drivers profile with four drivers: Single Male (Age 20), Single Female (Age 18), Married Female (Age 50) and Married Male (Age 50). There are Two cars, with no violations or accidents in the past 3 years. Use includes both work and pleasure driving. One car travels 12,000 miles per year; the second travels 8,000 miles per year.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | The Standard Fire Insurance Company | $1,134 | $94 |
| 2 | Florida Farm Bureau Casualty Insurance Company | $1,177 | $98 |
| 3 | USAA | $1,546 | $129 |
| 4 | USAA | $1,792 | $149 |
| 5 | Progressive | $1,796 | $150 |
| 6 | Progressive | $1,902 | $158 |
| 7 | Auto Club Insurance Company of Florida | $1,952 | $163 |
| 8 | USAA | $1,982 | $165 |
| 9 | Garrison Property and Casualty Insurance Company | $2,562 | $214 |
| 10 | Allstate | $2,655 | $221 |
Lowest Florida rates after an accident
Priced by the state, this profile describes a Single Female driver, Age 25. The driver has One car for work driving use and puts 12,000 miles on it each year. The record covers the preceding 3 years, with one violation and one no-fault accident.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | USAA | $551 | $46 |
| 2 | USAA | $673 | $56 |
| 3 | Allstate | $689 | $57 |
| 4 | The Standard Fire Insurance Company | $690 | $58 |
| 5 | USAA | $717 | $60 |
| 6 | Florida Farm Bureau Casualty Insurance Company | $871 | $73 |
| 7 | Security National Insurance Company | $1,197 | $100 |
| 8 | Allstate | $1,325 | $110 |
| 9 | GEICO | $1,715 | $143 |
| 10 | GEICO | $1,761 | $147 |
Ways to spend less
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $783 a year on the Florida average.
- If you raise your deductible, the money you save each year often beats the extra cost of one claim.
- Ask for every discount by its name, including multi-car, good student, safe-driving apps, paying in full and bundling home and auto.
- At every renewal, compare prices again. A rise in one company's price doesn't tell you whether other companies raised theirs.
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