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The Best Car Insurance Companies in Florida
Florida has some of the highest car insurance rates in the nation due to factors like its weather, its no-fault insurance law and the high rate of uninsured drivers. In fact, the Insurance Information Institute reports that Florida had the sixth highest in uninsured drivers in 2019 at 20.4%, the year with the most recent data.
That said, you can still find an insurance company in Florida that provides excellent coverage within your budget. We took a look at the best insurance carriers that serve Florida and picked our five favorite ones.
The factors that influence how much car insurance companies will charge you include your age, marital status, driving history and even ZIP code. Each insurer weighs those factors differently. The best strategy for finding cheap car insurance in Florida will always be to compare quotes. Just make sure the quotes you get are comparable in coverage, and of course, check out our reviews below.
When comparing Florida auto insurance companies, we used our SimpleScore Methodology to consider factors such as discounts, coverage, support, customer satisfaction and accessibility.
We also looked at authoritative reviewers and gatherers of auto insurance statistics such as J.D. Power, Bankrate, Insurance Information Institute and Consumer Reports. Bottom line: We’ve worked to give you the our best options about car insurance in Florida.
The best car insurance companies in Florida
These insurers were ranked at the top of J.D. Power’s 2020 U.S. Auto Insurance Study in the Florida region. J.D. Power is a global leader in customer service surveys. These insurance providers also have excellent marks on our own SimpleScore and have gained the notice of Consumer Reports and the Insurance Information Institute.
- Geico — Great overall for Florida auto insurance
- State Farm — Great for Florida auto insurance claims customer service
- Allstate — Great overall for Florida auto insurance customer service
- Progressive — Great for Florida auto insurance coverage options
- Liberty Mutual — Great for Florida auto insurance discounts
[ Read: Steps to Switch Car Insurance Companies ]
Choosing your Florida car insurance provider
One of the first decisions you’ll have to make when signing up for car insurance is whether to choose a local or national carrier. Both come with advantages and disadvantages.
- A personal relationship with your agent.
- Services that are specific to your location.
- Fewer discounts.
- Fewer digital tools.
- Slower claims process.
- More discounts.
- Faster claims process.
- More money to invest in digital tools.
- May not have an individual agent.
- Less of a personal touch.
Florida’s minimum insurance requirements
Florida’s minimum insurance requirements are among the lowest in the U.S., with 10/20/10 in bodily injury liability and property damage liability. That’s as of March 2021.
What does that mean? Coverage must include up to $20,000 total liability for the other party in an accident (middle number), subject to a limit of $10,000 liability for each person (the first number), and $10,000 for property damage liability (the last number). Also, instead of split-limit policy limits, policyholders can satisfy the requirement with a combined single limit policy of $30,000.
By comparison, Maine’s and Alaska’s minimum required coverages are at 50/100/25. (For Maine, policyholders must also carry coverage for medical payments and uninsured/underinsured motorist coverage).
Florida requires that all drivers carry a minimum of $10,000 in property damage liability insurance. This coverage will help pay for damage to another’s property in case you are at-fault for an accident. Failure to do so can result in the suspension of your registration or driver’s license.
Personal injury protection
Florida is one of a handful of no-fault auto insurance states. This means that regardless of a car accident, each driver is responsible for covering their own medical bills up to a certain threshold. As a result, the state requires that all drivers carry at least $10,000 in personal injury protection.
Florida requires that taxis carry extra car insurance to protect their passengers. Vehicles registered as taxis in the state must carry at least $125,000 bodily injury liability per person, $250,000 bodily injury liability per accident, and $50,000 property damage liability per accident.
How much does car insurance cost in Florida?
Drivers in Florida pay $2,364 annually for full coverage and $1,101 annually for minimum coverage, according to Bankrate records.
(Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record and good credit. To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. The sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.)
Florida car insurance can get high depending on the ZIP code, as much as $3,314 for full coverage annually in Miami, the state’s largest metropolitan area. (Miami-Dade is one of the largest counties in population in the U.S., with almost 2.8 million in 2018, according to the U.S. Census.)
Meanwhile in North Florida, Tallahassee has some of the cheapest premiums for the state, according to Bankrate.
|City||Average annual premium for full coverage|
We welcome your feedback on this article and would love to hear about your experience with the insurers we recommend. Contact us at email@example.com with comments or questions.