You are here

Car Insurance in Florida

If you are searching for best car insurance Florida can provide a lot of opportunities, it would be a great idea to compare present possibilities. Despite the fact that current coverage rates differ from one insurer to another, you can find your own option, which is based on such factors as your credit history, driving record and age. In order to make things easier, we’ve made some researches related to largest companies in Florida and found some best choices for several locations and driver types. And you can do this online!

Cheapest insurance company in Florida

Here you can check out the best car insurance companies in Florida:

Auto insurance rates: Florida

Rank Auto Insurance Company Annual Premium
1 Florida Farm Bureau Insurance $381
2 USAA 600
3 GEICO 605
4 Travelers 640
5 State Farm 646
6 Auto-Owners 667
7 Safeco 809
8 MetLife 829
9 Bristol West 877
10 21st Century 976
11 Progressive 1,077
12 Esurance 1,123
13 Allstate 1,250
14 Direct General 1,336
15 Ocean Harbor / Pearl Holding Group 1,723
16 Infinity Auto 1,811
17 Windhaven Insurance 2,313
18 United Automobile 2,958

Rates by categories

We’ve sorted driver types by three categories: good drivers, young drivers, and drivers with one at-fault crash so you can easily navigate to this article, looking for car insurance quotes Florida and find the best commercial deal.

First one is for drivers without at-fault accidents, moving violations or DUIs

  • State Farm - $1850
  • Geico – $2000
  • Esurance - $2760

As we can see in our first list of car insurance companies in Florida, State Farm provides cheapest options for good drivers, only $1850 per year, in other words, the average price is about $155, and this is how much is lowest auto insurance in Florida per month by State Farm. Then, respectively, we have Geico and Esurance. As we can see, the price is much bigger with the latter. If you want to trim costs, you should look for discounts, like for moving violations or avoiding accidents to get the best deal in the south state.

  • Geico - $1250
  • State Farm - $1360
  • Esurance - $1850

There are our next Florida car insurance rates. Young drivers (in the early 20s, basically students) tending to have only a few assets in order to protect from lawsuits that have any relation to crashes. This fact means that such drivers should know how to get by score relative coverage and leaner coverage in Florida. As we can see, Geico offers cheapest options in our group, only $1250 per year. This offer is cheaper than the best deal that we’ve found for 30s-year-old drivers who has more coverage.

  • State Farm - $2160
  • Geico - $2880
  • Liberty Mutual - $4100

State Farm keeps the best deal for our group. It is only $26 higher than the lowest coverage for drivers with no crashes and of the same age, and this is low cost. The most expensive quote that we’ve found is over $5000 so it is really important for drivers with a stained record to learn about this market to avoid enormous hits to the wallet.

Car coverage requirements

According to Floridian laws, people must carry injuring protection and damage liability. Minimum requirements for Floridians:

  • $10000 damage liability for each accident
  • And $10000 for PIP

For those who are at fault in a crash, Floridian laws require a driver to be able to pay for the following requirements (not for non-residents):

  • $10000 in bodily injury (per person)
  • $20000 in bodily injury (per accident)

We recommend caring more than just a minimum when we are talking about each part of your auto liability quote. Also, you probably want to get protection from some optional coverage, like comprehensive and collision.  This is the answer to a “do you need affordable car insurance Florida?” question.

No-fault quotes in Florida

Florida is a part of several states that the system called no-fault car insurance. In this states, if a driver is injured in an accident by a third person can seek compensation from an at-fault insurer. But first, all parties that are involved in an accident first have to make a claim to their insurers and there is no difference in who caused this incident. In Florida, a driver is required to carry minimum $10000 of PIP. By the way, such option is literally called Florida no-fault coverage. It also includes Jacksonville, Miami, Tampa, Orlando and other cities.

Cost of Car Insurance in Florida: by City

City County Avg Annual Premium
Arcadia DeSoto $1,078
Blountstown Calhoun 859
Bonifay Holmes 863
Bradenton Manatee 1,249
Bristol Liberty 836
Brooksville Hernando 1,269
Cape Coral Lee 1,302
Carrabelle Franklin 853
Chipley Washington 866
Clearwater Pinellas 1,497
Clermont Lake 1,064
Clewiston Hendry 1,222
Coral Springs Broward 1,748
Crestview Okaloosa 1,014
Cross City Dixie 867
DeFuniak Springs Walton 909
Deltona Volusia 1,099
Fernandina Beach Nassau 999
Fort Lauderdale Broward 1,748
Gainesville Alachua 961
Hialeah Miami-Dade 2,198
Hollywood Broward 1,748
Inverness Citrus 1,017
Jacksonville Duval 1,230
Jasper Hamilton 930
Key West Monroe 1,081
Kissimmee Osceola 1,279
Lake Butler Union 984
Lake City Columbia 952
Lakeland Polk 1,170
Live Oak Suwannee 859
Macclenny Baker 984
Madison Madison 866
Marianna Jackson 864
Mayo Lafayette 848
Miami Miami-Dade 2,198
Miami Gardens Miami-Dade 2,198
Milton Santa Rosa 1,109
Miramar Broward 1,748
Monticello Jefferson 861
Moore Haven Glades 1,132
Naples Collier 1,256
New Port Richey Pasco 1,413
North Port Sarasota 1,183
Ocala Marion 1,026
Okeechobee Okeechobee 1,110
Orange Park Clay 1,118
Orlando Orange 1,417
Palatka Putnam 963
Palm Bay Brevard 1,074
Palm Coast Flagler 1,078
Panama City Bay 954
Pembroke Pines Broward 1,748
Pensacola Escambia 1,168
Perry Taylor 914
Pompano Beach Broward 1,748
Port St. Joe Gulf 893
Port St. Lucie St. Lucie 1,258
Punta Gorda Charlotte 1,132
Quincy Gadsden 868
Sanford Seminole 1,204
Sebastian Indian River 1,095
Sebring Highlands 1,043
Sopchoppy Wakulla 870
St. Augustine St. Johns 1,027
St. Petersburg Pinellas 1,497
Starke Bradford 977
Stuart Martin 1,154
Tallahassee Leon 994
Tampa Hillsborough 1,841
Trenton Gilchrist 883
Wauchula Hardee 1,036
West Palm Beach Palm Beach 1,849
Wildwood Sumter 1,014
Williston Levy 867
Car Insurance in Florida