The Essential Guide About Cheap Car Insurance in Florida (2022)

There are plenty of options for cheap car insurance in Florida. USAA, GEICO, and State Farm are among the state’s cheapest car insurance providers, though there are many other companies that offer cheap coverage. If you want more than Florida’s minimum requirements, you can expect to pay more for coverage.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 21, 2022

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The Rundown

  • There are plenty of car insurance companies in Florida that offer cheap coverage
  • If you want collision or comprehensive coverage on your vehicle, your rates will go up
  • There are a number of factors that impact the cost of car insurance in Florida

Regardless of the type of car insurance coverage you want, it’s always a good idea to look around and see how much you could save on coverage. If you are looking for cheap car insurance in Florida, we have you covered. There are plenty of companies that offer the various types of car insurance that are necessary for the state of Florida, but which companies offer the cheapest car insurance in Florida?

Keep reading to learn more about the best insurance companies in Florida with the cheapest rates. And be sure to use our free quote tool below to find and compare car insurance rates in your state to see how much you could be saving every month.

Which companies offer the cheapest car insurance in Florida?

If you need cheap car insurance in Florida, you don’t need to worry. There are plenty of car insurance companies offering cheap coverage with low monthly rates.

Some of the cheapest companies with the best auto insurance in Florida include:

  • USAA
  • State Farm
  • Allstate
  • Progressive
  • Farm Bureau
  • Direct Auto
  • Nationwide
  • Travelers
  • Erie
  • MetLife

While some of these companies may appeal to you, it’s important that you do your research to determine which actually offers the best car insurance in Florida. You can look online to get quotes from different companies and then compare them to see which companies are truly the cheapest. Keep in mind that the type of policy you’re looking for, along with a number of other factors, will impact the cost of car insurance coverage.

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What factors impact car insurance rates in Florida?

You may find that rates vary drastically from one company to the next when you are looking at initial quotes for car insurance. This is because different companies assess and weigh factors differently.

Some of the most commonly-used factors when determining a person’s car insurance rates include:

  • Your age
  • The make and model of your car
  • Your driving record
  • Your annual mileage
  • Your credit history
  • Where you live
  • Your gender
  • The type of car insurance you want

Since you are only required to carry your state’s minimum to drive legally, your rates could be very cheap if you stick with your state’s minimum, which in Florida include:

  • A minimum of $10,000 in PIP
  • A minimum of $10,000 in PDL
  • Bodily injury liability coverage of $125,000 per person, $250,000 per occurrence
  • $50,000 for (PDL) coverage

If you are looking for more than the simple coverages listed above, you can expect your car insurance rates to be more expensive. With most car insurance companies in Florida, you can purchase liability, bodily injury, uninsured/underinsured protection, collision insurance, comprehensive insurance, and more. Each of these coverages that you add on will cost you when it comes to your monthly car insurance rates.

Are car insurance rates more expensive in Florida?

Insuring a car can feel expensive regardless of where you live. Take a look at the table below to see where Florida stands when it comes to annual state car insurance costs.

Average Car Insurance Rates by State and Company

StateAverage by StateAllstateAmerican FamilyFarmersGEICOLiberty MutualNationwideProgressiveState FarmTravelersUSAA
District of Columbia$4,439.24$6,468.92--$3,692.81-$4,848.98$4,970.26$4,074.05-$2,580.44
New Hampshire$3,151.77$2,725.01--$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46-$1,906.96
New Jersey$5,515.21$5,713.58-$7,617.00$2,754.94$6,766.62-$3,972.72$7,527.16$4,254.49-
New Mexico$3,463.64$4,200.65-$4,315.53$4,458.30-$3,514.38$3,119.18$2,340.66-$2,296.77
New York$4,289.88$4,740.97--$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
North Carolina$3,393.11$7,190.43--$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66-
North Dakota$4,165.84$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53-$2,006.80
Rhode Island$5,003.36$4,959.45--$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,781.14$3,903.43-$4,691.85$3,178.01-$3,625.49$4,573.08$3,071.34-$3,424.77
South Dakota$3,982.27$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23--
West Virginia$2,595.36$3,820.68--$2,120.80$2,924.39--$2,126.32-$1,984.62
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Car insurance coverage in Florida can definitely be higher than it is in other states, but it’s important to keep in mind that you can shop around for coverage to try and find something cheaper. The table above shows what a big difference exists between car insurance rates from one company to the next in the same state.

How can I get cheaper car insurance in Florida?

One of the best ways to get cheaper car insurance is to ask companies about certain discounts they might offer. Some car insurance companies offer a variety of discounts to their policyholders, including:

  • Multi-policy
  • Multi-car
  • Vehicle safety
  • New car
  • Anti-theft devices
  • Good driver
  • Defensive driver
  • Good student
  • Paid-in-full
  • Paperless
  • Occupational

Speak to a company representative to ask about certain discounts you may qualify for. These discounts may impact your car insurance rates more than you expect.

Another way to save money on your car insurance coverage is to compare car insurance quotes from top companies online. When you compare rates, you can choose which coverage will ultimately work best for you. In fact, you can use our free quote tool below to find and compare cheap car insurance rates in Florida today.

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