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Florida drivers pay an average of $1,520.99 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $126.75 per month. Florida drivers pay about 28% more than the countrywide national average of $1,189.64.
The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.
In a no-fault state, each driver pays for their own injury-related expenses.
Drivers in Florida are required to carry a minimum amount of property damage liability and personal injury protection to legally drive. Unlike many states, Florida doesn’t require any sort of bodily injury liability. Let’s break down your minimum requirements.
Florida requires drivers to carry $10,000 of property damage liability to legally drive. This is on the lower end of the required minimum for this coverage, with many states requiring $25,000 in property damage liability.
This means $10,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.
Florida drivers are required to carry $10,000 worth of personal injury protection to legally drive.
This coverage helps pay for up to 80% of medical expenses up to $10,000 if you or your passengers are injured in an accident, regardless of fault.
These state-mandated requirements are the lowest amount of coverage you need to legally drive in Florida, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.
Florida is a no-fault state, which means that you pay for your own medical bills, lost income and other injury expenses after an accident, no matter who’s at fault. File a claim under your personal injury protection for these expenses.
However, your insurance company and legal authorities will determine who’s at fault for property damage like car repairs, according to the legal website Nolo. Florida considers whether drivers are partially at fault under its pure comparative fault law. Under this law, both drivers pay for the percentage of damage that they caused.
For example, if you’re 80% responsible for an accident, your insurance will pay 80% of the other driver’s damages. The other driver’s insurance will pay 20% of your damages.
“In Florida, drivers under age 25 can expect to pay above $200 per month for car insurance. Allstate rings in as one of the cheapest options costing $221 per month.
However, once you hit age 25, you might find Geico as your best bet in most age groups. Most other major companies don’t come close to Geico in the state, based on this analysis.”
Age | Allstate | Progressive | Geico | USAA |
---|---|---|---|---|
16-24 | $220.69 | $267.92 | $229.91 | $224.86 |
25-34 | $185.04 | $186.32 | $175.35 | $173.90 |
35-44 | $176.11 | $165.82 | $161.29 | $178.25 |
45-54 | $171.24 | $159.65 | $138.69 | $172.86 |
55-64 | $153.11 | $136.57 | $124.34 | $172.86 |
65+ | $122.07 | $136.22 | $105.42 | $146.08 |
Rates between men and women stick close together across these major companies in Florida. Men might try a quote from Geico, while getting the best value for women could be a toss-up between Allstate and Geico.
Company | Allstate | Progressive | Geico | USAA |
---|---|---|---|---|
Men | $173.65 | $169.58 | $163.68 | $191.75 |
Women | $169.10 | $193.63 | $169.15 | $177.51 |
“We found Geico to give solid value for its car insurance in Florida, based on major insurers’ rates from Savvy. Geico charges an average of $166 per month, although you might pay less depending on your coverage, driving record and other factors.
You also could go with Allstate and lower your rate by joining Drivewise or Milewise. These programs track your driving and set rates based on your driving or mileage.”
Company | Allstate | Progressive | Geico | USAA |
---|---|---|---|---|
Rate | $171.37 | $182.53 | $166.42 | $184.08 |
Since you can’t predict what other drivers will do on Florida roads, we recommend looking for car insurance companies that offer ample coverage at a price you can afford.
When comparing the best car insurance companies, we looked at those highly rated by organizations like J.D. Power, Better Business Bureau and AM Best. We also considered companies suggested by locals and compared the companies’ coverage and discounts to ensure the best value.
Travelers
Finder score
Travelers offers all the coverage you'd expect from an established brand, including extras like rideshare and gap coverage. Its app lets you access your ID card, file a claim, contact or even sign insurance documents. Or you can reach out to your local agent if you prefer more personal interactions.
Travelers brings top-notch service and nearly 170 years of experience when it lines up next to other major insurance brands. It's the tenth-largest auto insurance company in the US, showing that customers trust it with their insurance needs.
Telematics | IntelliDrive |
---|---|
Gap insurance | Yes |
Telematics | IntelliDrive |
---|---|
Gap insurance | Yes |
Allstate
Finder score
Allstate's pay-per-mile policy could shave 20% off your premiums if you drive under 10,000 miles per year — or over 50% if you drive significantly less than that. Milewise charges a base rate as well as a rate per mile. You'll plug a device into your car to track your driving, and then monitor your mileage in the Allstate app.
Aside from possible savings, you also get a policy backed by one of the largest US auto insurance companies. Allstate brings decades of experience and strong finances to the table.
Telematics | Drivewise |
---|---|
Gap insurance | Yes |
Telematics | Drivewise |
---|---|
Gap insurance | Yes |
Auto-Owners
Finder score
Give Auto-Owners a try if you're shopping for the best value for coverage and are interested in companies other than the main national brands. Auto-Owners serves customers with a human touch via independent agents, and its personalized touch may be why it's ranked highly for its customer service in Florida.
In terms of coverage, you won't miss out on options just for choosing a regional company. Auto-Owners offers coverage for roadside service, gap insurance, a car's diminished value after an accident and more.
Telematics | TrueRide |
---|---|
Gap insurance | Yes |
Telematics | TrueRide |
---|---|
Gap insurance | Yes |
Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Floridian’s rating factors to keep in mind.
Factor | How it affects your rates |
---|---|
Age | How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around their 20’s with drivers over 50 paying the least. |
Gender | Florida takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end. |
Location | Where you live affects your rates, including where you park your car. High theft rates, high traffic, and a high number of uninsured drivers could mean higher rates. Florida’s vehicle theft rate stands at 176.1 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s well below the national average of 246 vehicle thefts per 100,000 inhabitants. As for uninsured drivers, 20.4% of Floridians on the road are uninsured. That takes 6th place for the highest percentage of uninsured drivers in a state across the US according to Insurance Information Institute. |
Vehicle and mileage | Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft, and sportiness all help insurers determine its cost to insure. Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums. And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Floridians drive an average of 33.4 miles per day, that’s below the average across the US of 36.1 miles per day. |
Credit score | Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates. Floridians have many protections under state laws that regulate the use of your credit history when issuing car insurance policies. Insurers aren’t allowed to deny or cancel your coverage based on your credit history alone, though it can charge you more based on the risk associated with a lower credit score. |
Coverage | The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums. |
Driving Record | The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Florida can increase your rate by around 40%. These types of violations typically stay on your record for about three years. |
You’ll be notified by the state’s DMV if you need to file an SR-22 form, which proves you have enough car insurance to meet the state’s minimum liability requirements. Drivers in Florida that have been caught driving without insurance, have too many driving violations, or been convicted of a DUI may be required to file an SR-22. There are three types of SR-22 car insurance in Florida, and how long you’re required to have it depends on your offense(s). Learn more about Florida SR-22 insurance.
Floridians are no strangers to floods, storms, or other natural disasters. Florida also has a very high rate of uninsured drivers on the road, so some extra coverage may be worth the cost.
We’d recommend getting comprehensive coverage on your vehicle in Florida, even if you’re not financing. Comprehensive coverage is commonly known as “everything other than collision,” which means your vehicle could be covered in the event of flooding or theft. While Florida has a lower theft rate than the national average, damage from natural disasters can represent a major loss. Fortune reported that in 2017, around 1 million cars were destroyed by hurricanes Irma and Harvey – so comprehensive coverage could offer peace of mind when a storm brews.
Consider comprehensive coverage if . . .
. . . and that makes things risky for you. Uninsured or underinsured motorist coverage isn’t required in Florida, but with 20.4% of Floridians driving around without coverage, it might be a good idea to add it to your auto insurance policy. Uninsured or underinsured motorist coverage steps in to help cover the costs of medical bills or vehicle damage in the event that the at-fault driver didn’t have coverage or enough coverage.
Consider uninsured or underinsured motorist coverage if . . .
We’ve pulled the top 10 companies by market share that offer coverage in Florida according to S&P Global. Compare top companies by three major rating agencies along with our overall score.
Provider | BBB Rating | JD Power Rating | NAIC complaint ratio | National market share % | Finder score | Go to site |
---|---|---|---|---|---|---|
State Farm | A+ | 847/1000 | 1.93 | 16.2 | ★★★★★ 4/5 | |
Geico | A+ | 832/1000 | 1.42 | 13.6 | ★★★★★ 4/5 | |
Progressive | A+ | 830/1000 | 1.05 | 13.3 | ★★★★★ 4/5 | Get Quotes |
Allstate | A+ | 827/1000 | 2.71 | 10.4 | ★★★★★ 4/5 | |
USAA | A+ | 884/1000 | 1.9 | 6.3 | ★★★★★ 4/5 | |
Farmers | A- | 820/1000 | 1.64 | 4.9 | ★★★★★ 4/5 | |
Liberty Mutual | A+ | 827/1000 | 2.2 | 4.7 | ★★★★★ 4/5 | Get Quotes |
Nationwide | A+ | 814/1000 | 2.08 | 2.3 | ★★★★★ 4/5 | |
Travelers | A+ | 820/1000 | 3.28 | 2 | ★★★★★ 4/5 | |
Kemper | A+ | 784/1000 | 6.42 | 1.5 | ★★★★★ 3/5 |
While car insurance tends to run on the high side in Florida, you can still find cheaper insurance compared to other companies with some of these top insurers.
Company | Average annual rate | Learn more |
---|---|---|
State Farm | $905 | |
Geico | $1,102 | Read review |
Metromile | $1,180 | |
USAA | $1,226 | Read review |
Allstate | $1,486 | Read review |
Mercury | $2,775 | |
United | $5,974 | |
Direct | $6,497 |
Of Florida’s largest cities, Hollywood has the cheapest rates and Hialeah has the most expensive car insurance rates. Hialeah drivers could face rates 10 times more than Hollywood drivers.
Company | Annual car insurance rate |
---|---|
Allstate | $2826 |
Direct | $11357 |
Metromile | $2137 |
Mercury | $5635 |
Geico | $1418 |
Company | Annual car insurance rate |
---|---|
Allstate | $2920 |
Direct | $8846 |
Metromile | $1997 |
Mercury | $4301 |
Geico | $1418 |
Company | Annual car insurance rate |
---|---|
Allstate | $1753 |
Direct | $5399 |
Metromile | $1743 |
Mercury | $3955 |
Geico | $1403 |
Company | Annual car insurance rate |
---|---|
Allstate | $1857 |
Direct | $7177 |
Metromile | $1925 |
Mercury | $4971 |
Geico | $1969 |
Company | Annual car insurance rate |
---|---|
Allstate | $2368 |
Direct | $7221 |
Metromile | $1705 |
Mercury | $4183 |
Geico | $1586 |
Across the U.S., you’re bound to find variations in driving laws. If you live in Florida, or simply passing through, here are some insurance and driving laws to be aware of:
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