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Car insurance quick facts
In no fault states, each driver pays for their own damages in an accident.
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% |
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.
Company | Average annual rate | Learn more |
---|---|---|
State Farm | $905 | Get a quote |
Geico | $1,102 | |
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 | Get a quote |
Compare rates, requirements and driving tips with car insurance guides for your city.
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 |
In order to legally drive in Florida, you need liability insurance, which includes:
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
Compare car insurance companies near you.
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