Here’s a breakdown of how we reviewed and rated the top auto insurance providers in Florida
Key Takeaways
- Geico has the cheapest car insurance in Florida with an average minimum-coverage monthly rate of $48.
- Good drivers in Florida pay about $107 monthly for minimum coverage or $271 for full coverage.
- Minimum coverage in Florida is 70% more expensive than the national average, while full coverage in the state is about 32% more expensive.
What Are The Cheapest Car Insurance Companies in Florida?
Geico offers the cheapest minimum-coverage auto insurance in Florida at an average rate of $48 per month, while State Farm offers the cheapest full coverage at $199 per month. Our analysis encompassed 171,100 quotes from 626 ZIP codes across Florida, showing minimum-coverage policies from Geico cost 55% less than state averages while State Farm’s comprehensive coverage runs 27% below typical Florida rates.
You’ll find a list of the cheapest car insurance companies in Florida in the table below. These findings are based on our analysis of Quadrant Information Services data from September 2025 for several driver profiles.
- Cheapest Minimum Coverage: Geico ($48)
- Cheapest Full Coverage: State Farm ($199)
- Cheapest for Teens: Geico ($144)
- Cheapest for Young Adults: Geico ($62)
- Cheapest for Adults: Geico ($48)
- Cheapest for Seniors: Geico ($49)
- Cheapest for Bad Credit: Geico ($86)
- Cheapest for After a DUI: State Farm ($81)
- Cheapest for After an Accident: Geico ($73)
- Cheapest for After a Speeding Ticket: Geico ($49)
- Cheapest for After a Texting While Driving Ticket: Geico ($49)
Cheapest Car Insurance by City in Florida
Whether you live in Orlando, Tampa or Miami, we found Geico had the lowest car insurance rates in the majority of Florida cities. Keep in mind that theft and accident rates, severe weather hazards and other risk factors vary by city, which impacts what you pay for car insurance. Just like insurance rates vary by state across the country, Florida cities have unique risk profiles that affect pricing.
Below, we’ve listed the cheapest providers in various Florida cities, their average minimum-coverage rates and how they compare to the average car insurance cost in each Florida city.
| City | Provider | Min-Coverage Provider Premium |
|---|---|---|
| Alachua | State Farm | $41 |
| Alafaya | State Farm | $46 |
| Alford | State Farm | $33 |
| Altamonte Springs | State Farm | $46 |
| Altha | State Farm | $36 |
| Altoona | State Farm | $49 |
| Alva | Travelers | $39 |
| Anna Maria | Travelers | $62 |
| Anthony | Travelers | $42 |
| Apalachicola | State Farm | $38 |
| Apollo Beach | State Farm | $63 |
| Apopka | State Farm | $58 |
| Arcadia | State Farm | $47 |
| Archer | State Farm | $49 |
| Astatula | State Farm | $49 |
| Astor | State Farm | $49 |
| Auburndale | State Farm | $46 |
| Aventura | Travelers | $78 |
| Avon Park | State Farm | $48 |
| Babson Park | State Farm | $46 |
| Baker | State Farm | $39 |
| Bardmoor | State Farm | $58 |
| Bartow | State Farm | $46 |
| Bascom | State Farm | $39 |
| Bay Pines | State Farm | $70 |
| Bayshore Gardens | Travelers | $52 |
| Bee Ridge | State Farm | $40 |
| Bell | State Farm | $39 |
| Bellair-Meadowbrook Terrace | Geico | $41 |
| Belle Glade | Geico | $47 |
| Belleair Beach | State Farm | $58 |
| Belleview | Travelers | $42 |
| Bellview | State Farm | $42 |
| Berrydale | State Farm | $41 |
| Big Pine Key | UAIC | $42 |
| Bithlo | State Farm | $46 |
| Bloomingdale | Travelers | $63 |
| Blountstown | State Farm | $36 |
| Boca Grande | State Farm | $39 |
| Boca Raton | Travelers | $70 |
| Bokeelia | Travelers | $39 |
| Bonifay | State Farm | $33 |
| Bonita Springs | State Farm | $39 |
| Bowling Green | State Farm | $47 |
| Boynton Beach | Travelers | $71 |
| Bradenton | State Farm | $52 |
| Brandon | Travelers | $63 |
| Branford | State Farm | $36 |
| Bristol | State Farm | $38 |
| Brooker | State Farm | $46 |
| Brooksville | MetLife | $60 |
| Bryceville | State Farm | $42 |
| Buenaventura Lakes | Travelers | $59 |
| Bunnell | Travelers | $57 |
| Bushnell | State Farm | $49 |
| Callahan | State Farm | $42 |
| Callaway | State Farm | $40 |
| Campbellton | State Farm | $39 |
| Cantonment | State Farm | $42 |
| Cape Canaveral | State Farm | $50 |
| Cape Coral | Travelers | $39 |
| Captiva | State Farm | $39 |
| Carrabelle | State Farm | $38 |
| Carrollwood | State Farm | $63 |
| Caryville | Geico | $33 |
| Casselberry | State Farm | $46 |
| Cedar Key | State Farm | $40 |
| Center Hill | State Farm | $49 |
| Century | State Farm | $42 |
| Chattahoochee | Geico | $42 |
| Cheval | Travelers | $63 |
| Chiefland | State Farm | $49 |
| Chipley | Geico | $33 |
| Christmas | State Farm | $46 |
| Citra | Travelers | $42 |
| Citrus Park | State Farm | $63 |
| Citrus Springs | State Farm | $49 |
| Clarksville | State Farm | $36 |
| Clearwater | Travelers | $63 |
| Clearwater Beach | Travelers | $70 |
| Clermont | State Farm | $59 |
| Clewiston | State Farm | $51 |
| Cocoa | State Farm | $41 |
| Cocoa Beach | State Farm | $41 |
| Coconut Creek | Travelers | $68 |
| Cooper City | Geico | $53 |
| Coral Gables | Geico | $56 |
| Coral Springs | Travelers | $73 |
| Coral Terrace | Geico | $59 |
| Cottondale | State Farm | $33 |
| Country Club | Geico | $59 |
| Crawfordville | State Farm | $42 |
| Crescent City | Travelers | $46 |
| Crestview | State Farm | $39 |
| Cross City | State Farm | $38 |
| Crystal Beach | Travelers | $70 |
| Crystal River | State Farm | $61 |
| Cutler Bay | Geico | $59 |
| Cypress Lake | State Farm | $39 |
| Dade City | Travelers | $58 |
| Dania | State Farm | $81 |
| Davenport | State Farm | $46 |
| Davie | Geico | $53 |
| Daytona Beach | Travelers | $47 |
| De Funiak Springs | Geico | $33 |
| De Leon Springs | Travelers | $50 |
| Debary | State Farm | $50 |
| Deerfield Beach | State Farm | $68 |
| Defuniak Springs | Geico | $33 |
| Deland | State Farm | $52 |
| Delray Beach | Travelers | $71 |
| Deltona | State Farm | $52 |
| Destin | State Farm | $39 |
| Doctor Phillips | State Farm | $46 |
| Doral | Geico | $59 |
| Dover | Travelers | $63 |
| Dundee | State Farm | $46 |
| Dunedin | Travelers | $63 |
| Dunnellon | State Farm | $58 |
| Eagle Lake | Travelers | $46 |
| East Bronson | State Farm | $40 |
| East Lake | Travelers | $58 |
| East Milton | State Farm | $41 |
| East Palatka | State Farm | $46 |
| Eastpoint | State Farm | $38 |
| Edgewater | Travelers | $47 |
| Eglin AFB | State Farm | $39 |
| Egypt Lake-Leto | Travelers | $63 |
| Elkton | State Farm | $40 |
| Ellenton | State Farm | $52 |
| Englewood | State Farm | $40 |
| Ensley | State Farm | $42 |
| Estero | State Farm | $39 |
| Eustis | State Farm | $49 |
| Feather Sound | Travelers | $58 |
| Felda | State Farm | $60 |
| Fellsmere | Travelers | $49 |
| Fern Park | State Farm | $46 |
| Fernandina Beach | State Farm | $42 |
| Ferry Pass | State Farm | $42 |
| Fish Hawk | State Farm | $63 |
| Fisher Island | State Farm | $49 |
| Flagler Beach | Travelers | $57 |
| Flagler Estates | State Farm | $40 |
| Fleming Island | Geico | $41 |
| Florahome | State Farm | $46 |
| Floral City | State Farm | $49 |
| Florida City | Geico | $59 |
| Florida Ridge | State Farm | $49 |
| Fort Lauderdale | Travelers | $81 |
| Fort Mc Coy | Travelers | $51 |
| Fort Meade | State Farm | $55 |
| Fort Myers | Travelers | $44 |
| Fort Myers Beach | State Farm | $48 |
| Fort Pierce | State Farm | $47 |
| Fort Pierce North | Travelers | $55 |
| Fort Walton Beach | State Farm | $39 |
| Fort White | State Farm | $43 |
| Fountain | State Farm | $40 |
| Fountainebleau | Geico | $59 |
| Four Corners | State Farm | $54 |
| Freeport | Geico | $33 |
| Frostproof | State Farm | $46 |
| Fruit Cove | State Farm | $40 |
| Fruitland Park | State Farm | $49 |
| Fuller Heights | State Farm | $46 |
| Gainesville | State Farm | $50 |
| Geneva | Travelers | $46 |
| Gibsonton | Travelers | $63 |
| Gifford | Travelers | $49 |
| Glen St. Mary | State Farm | $50 |
| Glenvar Heights | Geico | $59 |
| Golden Gate | State Farm | $41 |
| Gotha | State Farm | $46 |
| Goulds | Geico | $59 |
| Graceville | State Farm | $39 |
| Grand Island | State Farm | $49 |
| Grand Ridge | State Farm | $33 |
| Grant-Valkaria | Travelers | $41 |
| Green Cove Springs | Geico | $41 |
| Greenacres | Geico | $47 |
| Greensboro | Geico | $42 |
| Greenville | State Farm | $36 |
| Greenwood | State Farm | $33 |
| Gretna | Geico | $42 |
| Groveland | State Farm | $49 |
| Gulf Breeze | State Farm | $49 |
| Gulf Gate Estates | State Farm | $40 |
| Gulfport | Travelers | $58 |
| Haines City | Travelers | $46 |
| Hallandale Beach | Travelers | $68 |
| Hampton | State Farm | $46 |
| Havana | Geico | $42 |
| Hawthorne | State Farm | $46 |
| Hernando | State Farm | $49 |
| Hialeah | Geico | $71 |
| High Springs | State Farm | $41 |
| Highland City | State Farm | $46 |
| Hilliard | State Farm | $42 |
| Hobe Sound | State Farm | $50 |
| Holiday | Travelers | $66 |
| Holly Hill | Travelers | $50 |
| Hollywood | State Farm | $83 |
| Holmes Beach | Travelers | $52 |
| Holt | State Farm | $39 |
| Homestead | Travelers | $80 |
| Homosassa Springs | State Farm | $49 |
| Hosford | State Farm | $38 |
| Howey-in-the-Hills | State Farm | $49 |
| Hudson | Travelers | $58 |
| Hurlburt Field | State Farm | $39 |
| Immokalee | State Farm | $41 |
| Indialantic | State Farm | $41 |
| Indian Rocks Beach | State Farm | $58 |
| Indiantown | State Farm | $61 |
| Inglis | State Farm | $40 |
| Interlachen | Travelers | $46 |
| Inverness | State Farm | $49 |
| Inverness Highlands South | State Farm | $49 |
| Iona | State Farm | $39 |
| Islamorada Village of Islands | UAIC | $42 |
| Ives Estates | Geico | $59 |
| Jacksonville | MetLife | $52 |
| Jacksonville Beach | State Farm | $45 |
| Jasmine Estates | Travelers | $58 |
| Jasper | State Farm | $36 |
| Jennings | State Farm | $36 |
| Jensen Beach | State Farm | $50 |
| Jupiter | State Farm | $47 |
| Jupiter Farms | State Farm | $47 |
| Kathleen | State Farm | $55 |
| Kenansville | Travelers | $68 |
| Kendale Lakes | Geico | $59 |
| Kendall | Geico | $56 |
| Kendall West | Geico | $59 |
| Key Biscayne | Geico | $59 |
| Key Colony Beach | UAIC | $42 |
| Key Largo | UAIC | $42 |
| Key West | UAIC | $42 |
| Keystone | Travelers | $63 |
| Keystone Heights | State Farm | $41 |
| Kissimmee | Travelers | $61 |
| Labelle | State Farm | $51 |
| Lady Lake | Travelers | $49 |
| Lake Alfred | Travelers | $55 |
| Lake Butler | State Farm | $45 |
| Lake City | State Farm | $43 |
| Lake Hamilton | Travelers | $55 |
| Lake Helen | State Farm | $50 |
| Lake Lorraine | State Farm | $39 |
| Lake Magdalene | State Farm | $63 |
| Lake Mary | Travelers | $47 |
| Lake Panasoffkee | State Farm | $49 |
| Lake Park | Geico | $47 |
| Lake Placid | State Farm | $48 |
| Lake Wales | State Farm | $46 |
| Lake Worth | Travelers | $84 |
| Lakeland | State Farm | $51 |
| Lakeland Highlands | State Farm | $46 |
| Lakewood Park | Travelers | $55 |
| Lanark Village | State Farm | $38 |
| Land O’ Lakes | Travelers | $58 |
| Largo | Travelers | $58 |
| Lauderhill | Travelers | $68 |
| Laurel | State Farm | $40 |
| Laurel Hill | State Farm | $39 |
| Lawtey | State Farm | $46 |
| Lealman | Travelers | $58 |
| Lecanto | State Farm | $49 |
| Lee | State Farm | $36 |
| Leesburg | State Farm | $49 |
| Lehigh Acres | Travelers | $39 |
| Live Oak | State Farm | $36 |
| Lockhart | Geico | $46 |
| Long Key | Travelers | $42 |
| Longboat Key | State Farm | $40 |
| Longwood | State Farm | $46 |
| Lorida | State Farm | $48 |
| Loughman | State Farm | $46 |
| Lutz | Travelers | $67 |
| Lynn Haven | State Farm | $40 |
| Macclenny | State Farm | $41 |
| Madeira Beach | State Farm | $58 |
| Madison | State Farm | $36 |
| Maitland | Travelers | $46 |
| Malabar | Travelers | $41 |
| Malone | State Farm | $33 |
| Mango | Travelers | $63 |
| Marathon | UAIC | $42 |
| Marco Island | State Farm | $41 |
| Margate | Travelers | $68 |
| Marianna | State Farm | $33 |
| Mary Esther | State Farm | $39 |
| Mascotte | State Farm | $59 |
| Mayo | State Farm | $36 |
| Mc Alpin | State Farm | $36 |
| Mc David | State Farm | $42 |
| Mc Intosh | State Farm | $42 |
| Meadow Woods | Geico | $46 |
| Melbourne | Travelers | $47 |
| Melbourne Beach | State Farm | $41 |
| Melrose | Travelers | $46 |
| Merritt Island | State Farm | $41 |
| Mexico Beach | State Farm | $40 |
| Miami | Geico | $71 |
| Miami Beach | State Farm | $67 |
| Miami Gardens | Geico | $59 |
| Miami Springs | Geico | $59 |
| Micanopy | State Farm | $41 |
| Micco | State Farm | $41 |
| Middleburg | Geico | $41 |
| Midway | State Farm | $41 |
| Milton | State Farm | $41 |
| Mims | State Farm | $41 |
| Minneola | State Farm | $49 |
| Miramar | Travelers | $68 |
| Miramar Beach | State Farm | $39 |
| Molino | State Farm | $42 |
| Monticello | State Farm | $37 |
| Montverde | State Farm | $49 |
| Moore Haven | State Farm | $47 |
| Morriston | State Farm | $40 |
| Mount Dora | State Farm | $49 |
| Myakka City | State Farm | $52 |
| Myrtle Grove | Travelers | $42 |
| Naples | State Farm | $41 |
| Naples Manor | State Farm | $41 |
| Navarre | State Farm | $41 |
| Neptune Beach | MetLife | $55 |
| New Port Richey | Travelers | $66 |
| New Smyrna Beach | State Farm | $47 |
| Newberry | State Farm | $41 |
| Niceville | State Farm | $39 |
| Nocatee | State Farm | $40 |
| North Fort Myers | Travelers | $39 |
| North Lauderdale | Travelers | $68 |
| North Miami | Geico | $59 |
| North Miami Beach | Travelers | $78 |
| North Palm Beach | Travelers | $47 |
| North Port | State Farm | $41 |
| North Weeki Wachee | Travelers | $50 |
| O Brien | State Farm | $36 |
| Oak Hill | Travelers | $50 |
| Oak Ridge | Geico | $46 |
| Oakland | State Farm | $56 |
| Oakland Park | Travelers | $68 |
| Oakleaf Plantation | Geico | $41 |
| Ocala | State Farm | $54 |
| Ochopee | State Farm | $41 |
| Ocklawaha | Travelers | $51 |
| Ocoee | State Farm | $50 |
| Okeechobee | State Farm | $50 |
| Old Town | State Farm | $38 |
| Oldsmar | Travelers | $58 |
| Ona | State Farm | $56 |
| Opa-locka | Geico | $59 |
| Orange City | State Farm | $50 |
| Orlando | Travelers | $56 |
| Ormond Beach | Travelers | $47 |
| Ormond-By-The-Sea | Travelers | $50 |
| Osprey | State Farm | $40 |
| Osteen | Travelers | $50 |
| Oviedo | Travelers | $46 |
| Oxford | Travelers | $49 |
| Pace | Geico | $41 |
| Pahokee | Geico | $58 |
| Paisley | State Farm | $49 |
| Palatka | Travelers | $46 |
| Palm Bay | Travelers | $41 |
| Palm Beach | Travelers | $62 |
| Palm Beach Gardens | Travelers | $47 |
| Palm City | State Farm | $50 |
| Palm Coast | Travelers | $48 |
| Palm Harbor | Travelers | $62 |
| Palm River-Clair Mel | Travelers | $63 |
| Palm Valley | State Farm | $40 |
| Palmetto | Travelers | $52 |
| Palmetto Bay | Geico | $59 |
| Panacea | State Farm | $42 |
| Panama City | State Farm | $40 |
| Panama City Beach | State Farm | $40 |
| Parkland | Travelers | $68 |
| Parrish | State Farm | $52 |
| Patrick AFB | State Farm | $41 |
| Pelican Bay | State Farm | $41 |
| Pembroke Pines | Geico | $60 |
| Pensacola | State Farm | $45 |
| Perry | State Farm | $36 |
| Pierson | Travelers | $50 |
| Pine Castle | Geico | $46 |
| Pine Hills | Geico | $46 |
| Pine Ridge | State Farm | $49 |
| Pinecrest | Geico | $59 |
| Pinellas Park | Travelers | $59 |
| Pinetta | State Farm | $36 |
| Placida | State Farm | $40 |
| Plant City | State Farm | $56 |
| Plantation | State Farm | $68 |
| Poinciana | Travelers | $53 |
| Polk City | State Farm | $46 |
| Pomona Park | Travelers | $46 |
| Pompano Beach | Travelers | $68 |
| Ponce de Leon | Geico | $33 |
| Port Charlotte | State Farm | $40 |
| Port Orange | State Farm | $50 |
| Port St. Joe | State Farm | $38 |
| Port St. John | State Farm | $41 |
| Port St. Lucie | State Farm | $55 |
| Princeton | Geico | $59 |
| Punta Gorda | State Farm | $40 |
| Quincy | Geico | $42 |
| Raiford | State Farm | $43 |
| Reddick | State Farm | $42 |
| Richmond West | Geico | $59 |
| Ridge Manor | Travelers | $50 |
| Riverview | Travelers | $63 |
| Riviera Beach | Geico | $47 |
| Rockledge | State Farm | $41 |
| Rotonda | State Farm | $40 |
| Rotonda West | State Farm | $48 |
| Royal Palm Beach | Travelers | $68 |
| Ruskin | State Farm | $63 |
| Safety Harbor | Travelers | $58 |
| San Antonio | Travelers | $58 |
| San Carlos Park | State Farm | $39 |
| San Mateo | State Farm | $46 |
| Sanderson | State Farm | $41 |
| Sanford | Travelers | $47 |
| Sanibel | State Farm | $39 |
| Santa Rosa Beach | Geico | $33 |
| Sarasota | State Farm | $52 |
| Sarasota Springs | Travelers | $40 |
| Satellite Beach | State Farm | $41 |
| Satsuma | State Farm | $46 |
| Sebastian | State Farm | $50 |
| Sebring | State Farm | $48 |
| Seminole | State Farm | $58 |
| Shady Hills | Travelers | $58 |
| Siesta Key | State Farm | $40 |
| Silver Springs | Travelers | $42 |
| Sneads | State Farm | $33 |
| Sopchoppy | State Farm | $42 |
| Sorrento | State Farm | $49 |
| South Bay | Geico | $47 |
| South Daytona | State Farm | $50 |
| South Miami Heights | Geico | $59 |
| South Venice | State Farm | $40 |
| Southgate | State Farm | $40 |
| Spring Hill | MetLife | $59 |
| St. Augustine | State Farm | $40 |
| St. Augustine Shores | State Farm | $40 |
| St. Cloud | Travelers | $59 |
| St. James City | Travelers | $39 |
| St. Johns | State Farm | $49 |
| St. Pete Beach | State Farm | $58 |
| St. Petersburg | Travelers | $59 |
| Starke | State Farm | $46 |
| Steinhatchee | State Farm | $36 |
| Stuart | State Farm | $50 |
| Sugarmill Woods | State Farm | $49 |
| Summerfield | Travelers | $42 |
| Summerland Key | UAIC | $42 |
| Sumterville | State Farm | $49 |
| Sun City Center | State Farm | $63 |
| Sunny Isles Beach | Geico | $59 |
| Sunrise | Travelers | $68 |
| Sunset | Geico | $59 |
| Surfside | Geico | $59 |
| Suwannee | State Farm | $45 |
| Sweetwater | Geico | $59 |
| Tallahassee | State Farm | $47 |
| Tamarac | Travelers | $68 |
| Tamiami | Geico | $59 |
| Tampa | Travelers | $78 |
| Tarpon Springs | Travelers | $62 |
| Tavares | State Farm | $49 |
| Telogia | State Farm | $46 |
| Temple Terrace | Travelers | $63 |
| Tequesta | State Farm | $47 |
| The Acreage | Geico | $47 |
| The Crossings | Geico | $59 |
| The Hammocks | Geico | $59 |
| The Meadows | Travelers | $40 |
| The Villages | Travelers | $49 |
| Thonotosassa | Travelers | $63 |
| Titusville | State Farm | $41 |
| Town ‘n’ Country | Travelers | $63 |
| Trenton | State Farm | $39 |
| Tyndall AFB | State Farm | $40 |
| Umatilla | State Farm | $49 |
| University | State Farm | $55 |
| University Park | Geico | $59 |
| Upper Grand Lagoon | State Farm | $40 |
| Valparaiso | State Farm | $39 |
| Valrico | Travelers | $56 |
| Venice | State Farm | $41 |
| Vernon | Geico | $33 |
| Vero Beach | Travelers | $45 |
| Waldo | State Farm | $41 |
| Warrington | Travelers | $42 |
| Wauchula | State Farm | $47 |
| Webster | State Farm | $60 |
| Wedgefield | State Farm | $46 |
| Weirsdale | Travelers | $42 |
| Wekiwa Springs | Travelers | $46 |
| Welaka | State Farm | $46 |
| Wellborn | State Farm | $36 |
| Wellington | Travelers | $68 |
| Wesley Chapel | Travelers | $58 |
| West Lealman | Travelers | $58 |
| West Little River | Geico | $59 |
| West Melbourne | Travelers | $41 |
| West Palm Beach | Travelers | $77 |
| West Pensacola | State Farm | $42 |
| Westchase | Travelers | $63 |
| Weston | State Farm | $68 |
| Westview | Geico | $59 |
| Westville | State Farm | $33 |
| Wewahitchka | State Farm | $37 |
| White Springs | State Farm | $36 |
| Wildwood | State Farm | $49 |
| Williston | State Farm | $40 |
| Wimauma | State Farm | $63 |
| Winter Garden | State Farm | $59 |
| Winter Haven | Travelers | $46 |
| Winter Park | Travelers | $46 |
| Winter Springs | State Farm | $46 |
| Wright | State Farm | $39 |
| Yalaha | State Farm | $49 |
| Youngstown | State Farm | $40 |
| Yulee | State Farm | $42 |
| Zellwood | State Farm | $46 |
| Zephyrhills | Travelers | $58 |
| Zolfo Springs | State Farm | $47 |
Cheapest Florida Minimum-Coverage Auto Insurance
Geico Average Minimum-Coverage Cost: $48 per month
Florida Average Minimum-Coverage Cost: $107 per month
Geico offers the cheapest liability-only car insurance in Florida at an average of $48 per month. This is 55% cheaper than what the average policyholder in the state pays.
| Company | Average Monthly Minimum-Coverage Rate | % Savings Compared to Florida Average |
|---|---|---|
| Geico | $48 | 55% |
| State Farm | $72 | 33% |
| Travelers | $78 | 27% |
| MetLife | $84 | 21% |
| AIG | $94 | 12% |
Cheapest Florida Full-Coverage Auto Insurance
State Farm Average Full-Coverage Cost: $199 per month
Florida Average Full-Coverage Cost: $271 per month
State Farm offers the cheapest full-coverage insurance in the Sunshine State. Its average monthly rate of $199 in Florida is 27% less than the state’s average full-coverage premium.
| Company | Average Monthly Full-Coverage Rate | % Savings Compared to Florida Average |
|---|---|---|
| State Farm | $199 | 27% |
| Travelers | $206 | 24% |
| Geico | $223 | 18% |
| Nationwide | $240 | 12% |
| UAIC | $252 | 7% |
Cheapest Car Insurance by Age in Florida
Younger drivers, especially teens, pay significantly more than older drivers due to their lack of experience behind the wheel and their greater risk of causing accidents. Rates also tend to increase as drivers age into their senior years. Learn more about affordable Florida car insurance in the following sections.
Cheapest Florida Auto Insurance for Teens
Florida Minimum-Coverage Average for Teen Drivers: $376 per month
Florida Full-Coverage Average for Teen Drivers: $562 per month
Geico has the cheapest rates for minimum coverage for 16-year-old Florida drivers. State Farm provides the cheapest full-coverage rates.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Geico | $144 |
| State Farm | $244 |
| Travelers | $328 |
| AIG | $345 |
| Nationwide | $394 |
*Rates are for 16-year-old drivers with no driving violations who have been added to their family policy and drive a 2023 Toyota Camry. Drivers in this age group can’t legally purchase their own auto insurance without written consent from a parent or guardian.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| State Farm | $527 |
| Geico | $532 |
| Nationwide | $592 |
| UAIC | $597 |
| Travelers | $610 |
*Rates are for 16-year-old drivers with no driving violations who have been added to their family policy and drive a 2023 Toyota Camry. Drivers in this age group can’t legally purchase their own auto insurance without written consent from a parent or guardian.
Cheapest Florida Auto Insurance for Young Adults
Florida Minimum-Coverage Average for Young Adults: $132 per month
Florida Full-Coverage Average for Young Adults: $339 per month
Geico has the cheapest minimum-coverage rates for 25-year-old Florida drivers. These rates reflect the higher premiums that new or inexperienced drivers typically face when first getting behind the wheel. Check out other cheap providers in the table below.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Geico | $62 |
| State Farm | $84 |
| Travelers | $96 |
| Mercury Insurance | $112 |
| AIG | $123 |
*Rates are for 25-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| Travelers | $213 |
| State Farm | $223 |
| Geico | $253 |
| Nationwide | $274 |
| UAIC | $283 |
*Rates are for 25-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Florida Auto Insurance for Adults
Florida Minimum-Coverage Average for Adults: $107 per month
Florida Full-Coverage Average for Adults: $271 per month
Geico offers the cheapest minimum coverage for 35-year-old drivers, while State Farm offers the cheapest full coverage.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Geico | $48 |
| State Farm | $72 |
| Travelers | $78 |
| MetLife | $84 |
| AIG | $94 |
*Rates are for 35-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| State Farm | $199 |
| Travelers | $206 |
| Geico | $223 |
| Nationwide | $240 |
| UAIC | $252 |
*Rates are for 35-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Florida Auto Insurance for Seniors
Florida Minimum-Coverage Average for Seniors: $130 per month
Florida Full-Coverage Average for Seniors: $319 per month
The table below lists the most affordable car insurance rates for 75-year-old Florida drivers. Many insurers also offer discounts for senior drivers who complete defensive driving courses or have excellent driving records. Geico has the cheapest minimum and full coverage.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Geico | $49 |
| State Farm | $78 |
| Travelers | $93 |
| Mercury Insurance | $108 |
| AIG | $118 |
*Rates are for 75-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| Geico | $197 |
| Travelers | $201 |
| State Farm | $201 |
| UAIC | $245 |
| Nationwide | $270 |
*Rates are for 75-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Car Insurance for High-Risk Drivers in Florida
Violations on your driving record or a poor credit-based insurance score can put you in a high-risk category and increase your auto coverage rates significantly.
Violations, accidents and other blemishes on your driving history will likely increase the cost of your car insurance coverage — but not forever. In Florida, minor violations such as speeding tickets typically stop being factors within five years. A DUI conviction in Florida stays on your driving record (and criminal history) permanently, but a premium surcharge typically lasts about 10 years.
Cheapest Florida Auto Insurance for Bad Credit
Florida Minimum-Coverage Average for Bad Credit: $199 per month
Florida Full-Coverage Average for Bad Credit: $345 per month
Our data shows that, compared to drivers with good credit, those with poor credit pay 86% more for minimum coverage and 27% more for full-coverage auto insurance in Florida.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Geico | $86 |
| AIG | $141 |
| UAIC | $162 |
| Mercury Insurance | $181 |
| Nationwide | $184 |
*Rates are for a 35-year-old driver with no driving violations and who owns a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| UAIC | $250 |
| Nationwide | $343 |
| Travelers | $359 |
| Geico | $360 |
| Progressive | $459 |
*Rates are for a 35-year-old driver with no driving violations and who owns a 2023 Toyota Camry.
Cheapest Florida Auto Insurance After a DUI
Florida Minimum-Coverage Average After a DUI: $180 per month
Florida Full-Coverage Average After a DUI: $388 per month
Having a DUI on your record in the Sunshine State raises average car insurance rates by 68% for minimum coverage and by 43% for full coverage. You’ll also need to file an FR-44 financial responsibility certificate with the state. Learn more about FR-44 insurance requirements and how they differ from standard SR-22 certificates in other states.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| State Farm | $81 |
| Geico | $93 |
| AIG | $108 |
| Travelers | $147 |
| Progressive | $163 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| State Farm | $211 |
| Travelers | $288 |
| Geico | $352 |
| UAIC | $417 |
| AIG | $425 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
Cheapest Florida Auto Insurance After an Accident
Florida Minimum-Coverage Average After an Accident: $180 per month
Florida Full-Coverage Average After an Accident: $351 per month
Although Florida is a no-fault state, our data shows the average premium increases by 68% for minimum coverage and by 29% for full-coverage insurance for a three- to five-year period after an at-fault accident.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Geico | $73 |
| State Farm | $89 |
| Travelers | $128 |
| AIG | $147 |
| Mercury Insurance | $183 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| State Farm | $227 |
| Travelers | $264 |
| Geico | $287 |
| UAIC | $340 |
| Nationwide | $344 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
Cheapest Florida Auto Insurance After a Speeding Ticket
Florida Minimum-Coverage Average After a Speeding Ticket: $153 per month
Florida Full-Coverage Average After a Speeding Ticket: $347 per month
In Florida, a speeding ticket causes the average minimum-coverage rate to rise by 43% and the average premium for full coverage to go up by 28%.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Geico | $49 |
| State Farm | $81 |
| Travelers | $121 |
| AIG | $137 |
| Mercury Insurance | $157 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| Geico | $210 |
| State Farm | $211 |
| Travelers | $253 |
| Nationwide | $326 |
| UAIC | $337 |
*Rates are for a 35-year-old driver with good credit who owns a 2023 Toyota Camry.
The Average Cost of Car Insurance in Florida
The average cost of auto insurance in Florida in 2025 is $107 per month for minimum coverage and $271 per month for full coverage. These averages are based on a standardized driver profile we used to analyze rate quotes from across the state. Your rates will vary based on a number of factors about you, your coverage and your vehicle.
Average Cost of Car Insurance in Florida by Driving Profile
Check out the table below to see how the average annual cost of Florida car insurance changes when a driver has an accident or another risk factor.
| Driving Record | Average Minimum-Coverage Premium | Average Full-Coverage Premium |
|---|---|---|
| Accident | $180 | $351 |
| DUI | $180 | $388 |
| Speeding Ticket | $153 | $347 |
| Texting While Driving Ticket | $148 | $334 |
Average Cost of Car Insurance in Florida by Age
See the table below for the average cost of auto insurance per month for drivers of different ages in Florida.
| Age | Average Monthly Minimum-Coverage Premium | Average Monthly Full-Coverage Premium |
|---|---|---|
| 16 | $376 | $562 |
| 17 | $360 | $534 |
| 18 | $320 | $508 |
| 19 | $232 | $488 |
| 20 | $199 | $422 |
| 21 | $172 | $429 |
| 22 | $161 | $406 |
| 25 | $132 | $339 |
| 35 | $107 | $271 |
| 45 | $119 | $307 |
| 55 | $109 | $279 |
| 65 | $111 | $281 |
| 75 | $130 | $319 |
Calculate Florida Car Insurance Rates
Use the auto insurance calculator below to discover how much you can expect to pay for Florida car insurance to ensure you get the most affordable rates for your unique driver profile and vehicle. Make sure your coverage meets the minimum car insurance requirements in Florida to stay legally compliant.
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Florida Car Insurance Trends
Car insurance companies typically base their rates on the relative risk of paying out claims and the projected cost of those claims. In Florida, risk factors such as theft rates and severe weather events generally lead to higher car insurance premiums.
- According to data from the Insurance Information Institute, Florida ranks third-highest among all states for total vehicles stolen, with 46,213 car thefts in 2023.
- Florida has several areas in the “very high” risk category for natural disasters, according to the Federal Emergency Management Agency Expected Annual Loss report.
- Every year, the risk of damages from natural disasters in Florida has increased. Between 1980 and 2024, the state has had $93 billion worth of disasters — totaling over $380 billion in costs. This makes Florida the state with the second most billion-dollar natural disasters behind Texas.
Frequently Asked Questions About Cheap Car Insurance in Florida
Below are some frequently asked questions about cheap car insurance in Florida:
Our data shows that Geico is the cheapest car insurance provider in Florida for most drivers. Compared to statewide average premiums, the provider’s average rate for minimum coverage is 55% cheaper.
Based on September 2025 data from Quadrant Information Services, we found that a full-coverage policy in Florida costs an average of $3,254 per year and minimum coverage is $1,285 per year on average. These rates reflect the profile of a 35-year-old driver with a clean driving record and good credit.
Our data shows Florida is the sixth-most expensive state for minimum coverage, and the second-most expensive full coverage in the country. The most expensive state for minimum coverage is Nevada, and for full coverage, Louisiana.
How We Chose the Cheapest Car Insurance in Florida
Our comprehensive rating system utilizes the latest 2025 insurance rates from Quadrant Information Services in combination with data we’ve collected on dozens of insurance companies. To help consumers get the most accurate picture of insurance rates in the state of Florida, we’ve averaged rates from the 12 most popular providers across 626 Florida ZIP codes. Unless otherwise specified, our base driver profiles for Florida insurance quotes include male and female drivers, age 35, driving a 2023 Toyota Camry with a clean driving record and good credit.
We’ve also looked at quotes for Florida drivers of multiple ages and those with a history of accidents, speeding tickets, DUIs or poor credit. Our minimum-coverage quotes reflect coverage that meets state minimum insurance requirements in Florida, while our full-coverage quotes reflect the following coverage amounts:
✔ $50,000 per person in bodily injury coverage
✔ $100,000 per accident in bodily injury coverage
✔ $50,000 per person in property damage coverage
✔ $500 comprehensive coverage deductible
✔ $500 collision coverage deductible
How We Vetted Florida Car Insurance Providers
In this article, providers are sorted by cheapest average costs in Florida and selected for recommendation based on our national ratings. When rating providers nationally or in Florida, we take several factors into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
