Summary: Best Car Insurance Companies in Florida

Here’s an overview of our top choices in Florida.

Travelers

Best Overall

Travelers

Average annual cost for good drivers

Our Expert Take

With rates 39% better than the Florida average, Travelers is a top pick for the budget-conscious driver. Its very low complaint level and our 5-star rating suggest that it delivers on both price and customer service and is worth a look.

More: Travelers Car Insurance Review

Pros & Cons

• Offers gap insurance.
• Offers replacement cost coverage.
• Very low level of complaints made against it to state insurance departments.

• Doesn’t offer accident forgiveness.
• Doesn’t offer vanishing deductible.
• Available in only five states (Illinois, Indiana, Michigan, Ohio and Michigan).

Average Rates for Travelers in Florida

Geico

Best for parents of teen drivers

Geico

Average annual cost for good drivers

Our Expert Take

More: Geico Car Insurance Review

Pros & Cons

• Provides a very good digital experience. Its app lets you pay your bill, file a claim and call for roadside assistance. Its website offers a Spanish version and gives you the ability to live chat.
• Offers accident forgiveness to drivers who have been accident-free for five years or more. If you aren’t yet eligible, you can pay to have it as part of your policy.
• Offers usage-based insurance program, DriveEasy, that if you’re a safe driver may result in a decent discount – but risky driving may raise your rates.

• Doesn’t offer rideshare coverage.
• New car replacement and vanishing deductible are not available.
• Received an unexceptional grade of C- from collision repair experts for its claims procedures.

Average Rates for Geico in Florida

Progressive

Great for drivers with a DUI

Progressive

Average annual cost for good drivers

Our Expert Take

A DUI conviction stays on your driving record for several years, but that doesn’t mean you’re stuck with sky-high insurance rates. Progressive prices increase by only [DUI Rate Increase %], which is much lower than the state average increase of . Paying in full or bundling auto and home insurance could provide additional savings. If you don’t have a DUI on your record, Progressive could be a strong option for your car insurance needs.

Pros & Cons

• Has a good number of coverage options to help tailor your policy to your needs.
• Offers a vanishing deductible for purchase so that every time you renew your policy without and are accident and violation free your deductible will go down $50 until you reach $0. Many other companies have a maximum benefit of $500 for vanishing deductible.
• Progressive offers a good digital experience. Its app lets you see your insurance ID card, pay your bill, report a claim and send claim photos and obtain roadside assistance if needed.

• Doesn’t offer new car replacement coverage.
• Received only a C grade for the last four years from auto repair experts for its collision claim process.
• Progressive’s usage-based program (Snapshot) may get you a decent discount, but your rates could increase instead if your driving score is low. Progressive says rates go up for 20% of drivers who use Snapshot.

Average Rates for Progressive in Florida

State Farm

Best For Drivers With A Speeding Ticket

State Farm

Average annual cost for good drivers

Our Expert Take

If you’ve got a speeding ticket on your record but are still looking for a budget-friendly car insurance option, State Farm is a competitive pick in Florida. It averages $2,897 a year, which is 8% more than the rate for drivers without a speeding ticket. (Good drivers pay an average of $2,693 a year in Florida, if you’re curious.) It’s still a relative bargain, though—it’s $38 a year cheaper than what the typical driver in State Farm has to pay in annual coverage rates.

Even if you don’t have a speeding ticket, State Farm may offer competitive pricing for your particular circumstances.

Pros & Cons

• Will provide SR-22s.
• Offers a good digital experience, including a mobile app with high user ratings, online quotes and the ability to buy a policy online.
• Has a usage-based insurance program called Drive Safe & Save. Receive a 10% initial participation discount and can earn up to 30% discount at renewal for safe driving habits. Unlike some other auto insurers, State Farm does not raise your rates if you score low with your driving behaviors.

• Doesn’t offer accident forgiveness.
• Doesn’t offer vanishing deductible.
• Its breadth of coverage is very poor, and with many of its competitors offering many more coverage options to drivers.

Average Rates for State Farm in Florida

Best Car Insurance Companies in Florida for Different Driver Profiles

Here’s an overview of our top picks in Florida for varying driver profiles.

How To Find the Best Car Insurance in Florida

1. Compare Rates From Multiple Insurers 

Car insurance companies consider where you live, your driving record and sometimes even your credit history when deciding what to charge you for a policy. Be sure to familiarize yourself with what each company typically charges in different scenarios so you can make the right decision about which company and coverage is best for you, your car and your wallet.

Keep in mind that the figures in the table below are averages, and you’ll need to contact various companies to get a truly personalized quote based on your unique situation or circumstances.

Average Car Insurance Rates in Florida

2. Consider What Car Insurance Coverage Extras You Need 

Car insurance isn’t one-size-fits-all. A bare-bones policy typically has only liability insurance. In many cases, it makes sense to add collision and comprehensive insurance, which will be required anyway if you have a car loan or lease.

Additional options like gap insurance or pay-per-mile insurance could be the best route for you, depending on your situation.

3. Buy Ample Car Insurance Limits 

By law, drivers in Florida have to carry these minimum coverage limits:

• $10,000 in bodily injury liability per person
• $20,000 in bodily injury liability per accident
• $10,000 in property damage liability

However, these totals may not be enough to financially protect you if you cause an accident. If you’re involved in an incident that causes property damage or injuries, you can end up liable for more than the amount your policy actually covers. Be sure to talk to an insurance agent about what kind of coverage you’ll need to be sufficiently insured.

4. Look at Complaints Against the Insurance Company

Price isn’t the only significant consideration when weighing whether an insurance company is a good pick. A company’s complaint level is also important. For some people, paying a lower price isn’t worth the headache they’ll have to deal with if the insurer has poor customer service or doesn’t handle claims well.

Here are the companies in Florida with the lowest complaint levels, according to the National Association of Insurance Commissioners. Keep in mind that the industry average is 1.00—and the lower the number you see here, the better.

• Travelers (Complaint Index: 0.41)
• Geico (Complaint Index: 0.70)
• Progressive (Complaint Index: 0.70)
• State Farm (Complaint Index: 0.78)

5. Consider State-Specific Car Insurance Factors 

In Florida, there are a few specific issues that impact what coverage you’ll need and the rates available to you. Here are some factors to consider when shopping for auto insurance:

• Uninsured drivers: An estimated 21% of drivers are uninsured in Florida, which can be a massive financial headache if one of them crashes into you. Talk to your agent about the cost of uninsured motorist coverage to protect yourself.
• Weather risks: Florida has NA, which can affect your rates. Talk to an agent about what coverage types you should have in case your vehicle is affected by weather events.
• No-fault laws: Florida is a no-fault state, so you’ll need personal injury protection.