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Compare car insurance in Florida

Get the cheapest car insurance in Florida for 2020

Updated

Fact checked

Florida has some of the lowest car insurance minimums in the country, but it still pays to understand the state requirements, coverage options and how to find cheap rates on insurance in Florida.

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.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare Florida car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
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
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
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Compare up to 4 providers

Company Direct premiums written (billions) Market share
Geico $5,160,726 25%
Progressive $3,749,329 18%
State Farm $3,014,788 15%
Allstate Corp. $1,897,567 9%
USAA $1,445,356 7%
Liberty Mutual $623,916 3%
Travelers $447,360 2%
National General $405,860 2%
Kemper $363,696 2%
Auto-Owners Insurance $346,468 2%

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.

Car insurance guides by city

Compare rates, requirements and driving tips with car insurance guides for your city.

Cheapest car insurance rates in Florida

Company Average annual rate Learn more
State Farm $905 Read review
Geico $1,102 Read review
Metromile $1,180 Get a quote Read review
USAA $1,226 Get a quote Read review
Allstate $1,486 Get a quote
AIG $1,542
Mercury $2,775 Read review
United $5,974 Read review
Direct $6,497 Read 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

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

Car insurance quotes in Miami

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

Car insurance quotes in Hollywood

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

Car insurance quotes in West Palm Beach

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

Car insurance quotes in Fort Lauderdale

Company Annual 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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