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Compare car insurance in Florida

Get the cheapest car insurance in Florida for 2021

The average annual cost of car insurance in Florida is $1,800. Narrow down car insurers offering coverage in Florida by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA
Optional
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Gabi
Optional
Optional
Yes
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Farmers
15%
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
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Florida

Car insurance quick facts

10/20/10

Minimum liability requirements

$1,800

Average annual car insurance cost

60

Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

Top 10 most popular Florida auto insurance companies list

It’s no surprise that the biggest names in the auto insurance industry top the list for the most popular Florida auto insurance companies.

CompanyDirect premiums written (billions)Market share
Geico$5,160,72625%
Progressive$3,749,32918%
State Farm$3,014,78815%
Allstate Corp.$1,897,5679%
USAA$1,445,3567%
Liberty Mutual$623,9163%
Travelers$447,3602%
National General$405,8602%
Kemper$363,6962%
Auto-Owners Insurance$346,4682%

Average car insurance costs in Florida

Depending on where you do your research, Florida ranks fifth in the country for expensive car insurance; you can expect to pay in the range of $1,800 annually for your coverage, compared to the national average of around $1,300.

You could also fall well outside of the average depending on your driving record, your credit score, the kind of vehicle you drive and a handful of other factors.

No matter what insurance you go with, if you’re planning on driving in Florida, make sure that you carry proof of your insurance plan with you. You can also pull up digital versions of this ID on any smart device to prove your coverage.

Cheapest car insurance rates in Florida

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.

CompanyAverage annual rateLearn more
State Farm$905Get a quote
Geico$1,102Get a quoteRead review
Metromile$1,180Get a quoteRead review
USAA$1,226Get a quoteRead review
Allstate$1,486Get a quoteRead review
Mercury$2,775Read review
United$5,974Read review
Direct$6,497Read review

Which city has the cheapest car insurance in Florida?

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.

Car insurance quotes in Hialeah

CompanyAnnual car insurance rate
Allstate$2826
Direct$11357
Metromile$2137
Mercury$5635
Geico$1418

Car insurance quotes in Miami

CompanyAnnual car insurance rate
Allstate$2920
Direct$8846
Metromile$1997
Mercury$4301
Geico$1418

Car insurance quotes in Hollywood

CompanyAnnual car insurance rate
Allstate$1753
Direct$5399
Metromile$1743
Mercury$3955
Geico$1403

Car insurance quotes in West Palm Beach

CompanyAnnual car insurance rate
Allstate$1857
Direct$7177
Metromile$1925
Mercury$4971
Geico$1969

Car insurance quotes in Fort Lauderdale

CompanyAnnual car insurance rate
Allstate$2368
Direct$7221
Metromile$1705
Mercury$4183
Geico$1586

State minimum car insurance requirements in Florida

In order to legally drive in Florida, you need liability insurance, which includes:

  • $10,000 personal injury protection (PIP) coverage.
  • $10,000 property damage liability coverage.

Can I get SR-22 insurance in Florida?

Yes, you can. You might need an SR-22 on file if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel.

How to file an SR-22 in Florida

Bottom line

Carrying auto insurance protects you, your family and fellow drivers. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.

Compare car insurance to find the best rates and discounts and even temporary insurance and coverage for high-risk drivers.

Frequently asked questions about car insurance in Florida

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