Best Car Insurance in Florida 2021

Last modified: January 29, 2021

If you are thinking of buying the best car insurance in Florida, you have plenty of options to choose from. Each driver has a different budget and preferences. If you want to find the right auto insurance in Florida, comparison shopping is the best way to go about it. 

And that’s what we will focus on in today’s post. Below we will share the minimum requirements for buying car insurance in Florida and the comparison table for the best car insurance companies in Florida

What Are the State Minimum Requirements?

The following are the minimum auto insurance requirements in Florida. Drivers must fulfill these requirements to operate their vehicles legally in Florida. Here are the mandatory car insurance guidelines: 

  • Bodily injury liability coverage— Minimum $10,000 per person per accident
  • Bodily injury for all persons per accident coverage—Minimum $20,000
  • Property damage liability coverage—Minimum $10,000
  • Personal injury protection coverage—Minimum $10,000

Average Costs

State average cost of car insurance in Florida by age:  

Age  Average Annual Rate
18 $6,459
20 $4,001
30 $2,178
40 $2,150
50 $1,951
60 $1,868

Average car insurance quotes in Florida by top cities: 

City Average Cost
Jacksonville $1,850.55
Miami $2,722.66
Tampa $2,495.47
Orlando $1,940.42

Cheapest Providers

Here is a list of the companies that provide the cheapest auto insurance in Florida in different categories.

Category Provider for car insurance in NC Cost Per Year
Good drivers State Farm $1,670.08
Students Allstate $3,840 
Seniors State Farm $1,787
After a DUI State Farm $2,018 
After a speeding ticket State Farm $2,018 
with one at-fault crash Allstate $1,385

Note: Due to USAA’s limited membership, we excluded them from this segment evaluation, though it has the cheapest rates across categories.

Florida Auto Insurance Laws

Once you get behind the steering wheel, you must have two things:

  • An auto insurance policy that meets the minimum  car insurance requirements in Florida 
  • Strong understanding of Florida car insurance laws 

Here is a quick overview of Florida auto insurance laws and fines:

First Time Offender Penalties— if your car insurance policy in Florida lapses and you fail to prove that you had new insurance in place before the old policy was canceled, your license, registration, and plates will be suspended for up to 3 years. 

Once the license suspension is in place, you can provide the state with proof of the new auto policy along with a penalty fee of $150 to get your plates, license, and registration.

Subsequent Offense—if the insurance lapses again within three years, the reinstatement fee will increase from $150 to $250, going up to $500 if there is a third lapse in three years. 

DUI law— the penalties for driving with a blood-alcohol level (BAL) of .15 or higher— a minimum $500 fine, along with 50 hours of community service and DUI school.

Best Car Insurance Companies in Florida

Company Best for Ratings Discounts Market Share Car Insurance Costs for Different Use Cases
USAA
  • Active duty member of the US military
  • Honorably former service member, member’s spouse or children 
  • AM Best — A++
  • JD Power —830
  • Safe driver discount
  • Defensive driving discount
  • Discount for drivers younger than 21 who complete a basic driver training course
  • Good student discount
  • Discount if your car is 3 years old or less.
  • Multi-vehicle discount
  • 7.1%
  • Average car insurance rates with a ticket— $1,039 per year
  • With bad credit—$2,303 per year
  • Married 35-year old male— $857.53 
State Farm
  • Great customer service experience 
  • Access to 24/7 claim support
  • Tailored insurance policy 
  • AM Best — A++
  • JD Power —878
  • Policy bundling 
  • Accident-free 
  • Defensive driving course 
  • Student away at school 
  • Good driver 
  • Driving training 
  • 14.7%
  • Average car insurance rates with a ticket— $2,018 per year
  • With bad credit—$3,343 per year
  • Married 35-year old male— $1,643.05
Progressive
  • Good add on options 
  • Lots of discounts
  • AM Best —A+
  • JD Power —834
  • Multi-policy 
  • Multi-vehicle 
  • Continuous insurance 
  • Snapshot program 
  • Teen driver 
  • Good student 
  • Distant student 
  • Homeowner
  • Online quote 
  • Sign online 
  • Paperless billing 
  • Pay in full 
  • AutoPay
  • 18.3%
  • Average car insurance rates with a ticket— $3,935per year
  • With bad credit—$4,399 per year
  • Married 35-year old male— $2,169.91
Allstate
  • Wide range of coverage options plus discounts
  • Simplicity and nothing complex
  • AM Best — A+
  • JD Power —851
  • Anti-lock brake discount 
  • Anti-theft device discount 
  • Automatic withdrawal discount 
  • Early signing discount 
  • Full-pay discount 
  • Multi-policy discount 
  • New car discount 
  • Paperless discount 
  • Responsible payer discount 
  • Safe driver discount 
  • Smart student discount
  • 9.3%
  • Average car insurance rates with a ticket— $2,298 per year
  • With bad credit—$4,294 per year
  • Married 35-year old male— $2,970.84
Liberty Mutual 
  • Those who are low risk and stable drivers.
  • AM Best — A
  • JD Power —
  • 810
  • Safe driver discount
  • Defensive driving discount
  • Discount for drivers younger than 21 who complete a basic driver training course
  • Good student discount
  • Discount if your car is 3 years old or less
  • Multi-vehicle discount
  • 3.0%
  • With bad credit— $3,228
  • Married 35-year old male—N/A

Detailed Review

Here is a detailed review of some of the best Florida car insurance companies. Take a look at them all to navigate your options and find the right one that suits your budget and requirements.

USAA Car Insurance

When it comes to the cheapest car insurance companies in Florida, the United Services Automobile Association (USAA) ranks at the top. Exclusively designed for military members, retired veterans, and their families, the company stands out with its low rates, discounts, and excellent customer service.

USAA offers standard car insurance coverage types, including property damage and bodily injury liability, collision and comprehensive coverage, medical payments plus add-ons such as accident forgiveness and glass coverage.

Between high financial stability and excellent customer reviews, USAA provides great insurance coverage options to those who qualify to become members. But don’t worry! If you don’t qualify for USAA membership, many other companies offer competitive car insurance rates in Florida, such as State Farm.

State Farm Car Insurance

Established in 1922, State Farm is the largest auto insurance company not only in Florida. The company has a well-knitted network of nearly 19,000 agents countrywide, along with an intuitive website and other online support channels that allow them to deliver the best-in-class products and services to their customers.

The company offers an extensive range of coverage options including but not limited to collision and comprehensive, car rental and travel expenses, underinsured/uninsured motorist, rideshare driver, emergency roadside assistance, and medical payments, thereby making it one of the best car insurance companies in Florida.

Another aspect that sets the company apart is the option to customize the policy as per your needs. Nonetheless, State Farm policy is slightly more expensive than its competitors.

Progressive Car Insurance

Progressive is the third-largest car insurance company in the US, serving the country for more than 80 years. This Florida car insurance company offers standard coverage options, including collision, comprehensive, liability, and other add-ons. 

Buyers can add options like roadside assistance, gap coverage, and rental car coverage to their policies with the utmost ease. Although it offers a long list of discounts, the company ranks among Florida’s most expensive ones.

Allstate Car Insurance

Among the top reasons for the growing popularity of Allstate as one of the best auto insurance companies in Florida are its discounts and coverage options. The company focuses on keeping the policy buying process simple and straightforward.  

State Farm has a stronger financial rating than Allstate and is cheaper too. Allstate also offers a claims satisfaction guarantee in Florida.

Liberty Mutual Car Insurance

The company is ideal for low-risk and good drivers. Drivers with a good history and driving record can enjoy the flexibility of getting a customized auto insurance policy at reasonable rates. Thus, rates may be higher for those with a DUI or tickets. 

Conclusion

In a nutshell, when looking for the best car insurance in Florida, the legwork is key. You must invest time in comparison shopping to evaluate your options. Remember that rates for the same coverage may vary from company to company based on factors like age, credit, and driving record. 

Pros & Cons

The Pros

The Cons

Final Verdict

FAQs

Why is auto insurance in Florida so expensive?

It is expensive because of the high number of uninsured drivers and the high-risk drivers that visit and reside in Florida.

Is Florida a no-fault state?

Yes, Florida is a no-fault state. It means that no matter what the cause of the accident may be, your PIP (Personal Injury Protection) coverage will cover your medical bills.

How to reduce car insurance costs in Florida?

The best way to lower car insurance is to buy a car with high safety features to minimize the risk of accidents and have a clean driving record. It is also a good idea to speak to your auto insurance company in Florida about increasing deductibles. This is because high deductibles can lower monthly premiums.