Cheapest Car Insurance in Florida for 2026

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Updated: August 25, 2026

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Travelers is the cheapest car insurance company in Florida for full coverage at $112 a month. State Farm is cheapest for minimum coverage at $45 a month. For teen drivers, Metropolitan Group is cheapest for 16-year-old females at $595 a month and State Farm for 16-year-old males at $707 a month. For bad credit, UAIC is cheapest at $148 a month. For a DUI, State Farm is cheapest at $145 a month.

The company you choose matters more in Florida than in most states. Travelers charges $112 a month for full coverage. Allstate charges $380 a month for identical coverage. That $268 gap means the wrong company choice costs more than $3,200 a year for the same policy. Florida also does not require bodily injury liability. If you cause serious injuries to another driver, anything beyond your $10,000 PIP limit comes out of your own pocket. To compare every company on service and coverage, see the best car insurance in Florida.

Minimum Coverage (Clean Record)

Travelers
$44
4.89/5

Full Coverage (Clean Record)

Travelers
$95
4.89/5

Teen Driver, Male, Age 16 (Full Coverage)

State Farm
$401
4.53/5

Teen Driver, Female, Age 16 (Full Coverage)

State Farm
$401
4.53/5

Driver, Age 25 (Full Coverage)

Travelers
$106
4.89/5

Senior Driver, Age 70+ (Full Coverage)

Travelers
$99
4.89/5

Speeding Ticket (Full Coverage)

Travelers
$121
4.89/5

At-Fault Accident (Full Coverage)

Travelers
$127
4.89/5

DUI (Full Coverage)

State Farm
$122
4.53/5

Bad Credit (Full Coverage)

UAIC
$134
3.73/5
Travelers

Travelers

Best Cheap Car Insurance for Full Coverage in Florida

Travelers is the best full coverage choice in Florida at $112 a month. That is about half what the average Florida driver pays. When a claim comes in, Travelers has a strong track record. Fewer customers file complaints about their experience than at most companies its size. Hurricanes, flooding and severe storms mean comprehensive claims in Florida are not rare. Knowing your insurer pays promptly and without friction is worth something.

Beyond the base policy, Travelers offers new car replacement, gap coverage and rental reimbursement as add-ons. If a financed car gets totaled in a storm and the payout is less than what is owed on the loan, gap coverage covers the difference. Drivers looking to lower the $112 rate can enroll in IntelliDrive, Travelers' 90-day program that can reduce the premium by up to 30% at renewal based on how you drive. A full overview of Travelers' coverage and ratings is at its Travelers car insurance review.

Cheapest Car Insurance by Coverage Type in Florida

Travelers
$44
$95
4.89/5
State Farm
$52
$114
4.53/5
Metropolitan Group
$57
$143
4.27/5
Nationwide
$68
$146
4.39/5
UAIC
$126
$146
3.73/5

Cheapest Full Coverage in Florida

Travelers is cheapest for full coverage in Florida at $112 a month. State Farm is second at $127 a month and holds the highest MoneyGeek score in the table at 4.50 out of 5. State Farm offers accident forgiveness after five years without an at-fault claim. Travelers does not. For most Florida drivers, Travelers is the right choice at $15 less a month. For drivers with a clean five-year record who want protection against a rate increase after a first accident, State Farm is worth asking about.

Cheapest Minimum Coverage in Florida

State Farm is cheapest for minimum coverage in Florida at $45 a month. Travelers is second at $51 a month. Florida's minimum coverage includes $10,000 in personal injury protection and $10,000 in property damage liability. One thing worth knowing: Florida does not require bodily injury liability. The dropdown below explains what that means for drivers who cause serious injuries to others.

How to Choose Between Minimum and Full Coverage in Florida

The right coverage level in Florida comes down to vehicle value and weather risk. Full coverage costs $67 more a month than minimum coverage at Travelers. That adds up to $804 a year. A vehicle worth less than $8,040 may not justify that annual cost over ten years. Florida's hurricane season runs June through November. Comprehensive coverage pays for storm and flood damage to a driver's own vehicle. Minimum coverage does not. Drivers with a car loan or lease need full coverage. Lenders require it. Use the Florida car insurance calculator to run the math for a specific vehicle.

Cheapest Car Insurance for Teens and Young Adults in Florida

For families adding a teen driver to their policy in Florida, State Farm is cheapest for 16-year-old males at $707 a month and Metropolitan Group is cheapest for 16-year-old females at $595 a month based on our analysis of standardized profiles. Florida uses gender as a rating factor, so male and female rates are shown separately. Teens under 18 cannot legally purchase auto insurance in Florida without a parent or guardian as a co-signer. These rates reflect adding a teen to a family policy, not the total household premium.

Rates drop as teens gain experience, reaching $308 a month at 25. A real teen's rate at any of those ages depends on their actual driving history, not just their age. Getting new quotes as rates drop is the most useful action. Switching to a specific company because our table shows it cheapest at that age is not the right takeaway. The actual cheapest option depends on that driver's real record.

16
State Farm
$401
4.53/5
17
Travelers
$345
4.89/5
18
Travelers
$272
4.89/5
19
Travelers
$216
4.89/5
20
Travelers
$184
4.89/5
21
Travelers
$154
4.89/5
22
Travelers
$140
4.89/5
23
Travelers
$128
4.89/5
24
Travelers
$120
4.89/5
25
Travelers
$106
4.89/5
Travelers

Travelers

Best Cheap Car Insurance for Teens and Young Adults in Florida

Travelers is the best option for teen and young adult drivers in Florida from age 18 through 25. Starting at $491 a month for an 18-year-old female and $529 a month for an 18-year-old male, it holds the lowest rate in our data for this age range. Fewer customers file complaints about Travelers than at most companies its size, which matters for a young driver who may be filing their first claim. Travelers offers two discounts specific to young drivers. The Good Student discount applies to full-time students maintaining a B average or 3.0 GPA. A driver education course discount applies to teens who complete an approved driving course. Families with Travelers can also ask about IntelliDrive. The program tracks driving over 90 days and can reduce the premium by up to 30% at renewal. A full overview of Travelers' coverage and ratings is at its Travelers car insurance review.

Cheapest Car Insurance for Seniors in Florida

Travelers is cheapest for senior drivers in Florida at $159 a month. State Farm is second at $161 a month. At $2 apart, the decision comes down to how much a senior driver is behind the wheel. State Farm's Drive Safe & Save program tracks mileage and can reduce the $161 rate by up to 30% at renewal for low-mileage drivers. For a retired driver no longer commuting, that discount alone can bring State Farm's rate below Travelers' $159. Getting quotes from both and asking State Farm about current Drive Safe & Save savings confirms which one prices lower for a specific profile.

Florida drivers 55 and older can also lower the rate by completing an approved defensive driving course. State law requires every Florida insurer to offer this discount. It lasts three years and is voided by an at-fault accident or moving violation during that period.

Travelers
$99
4.28/5
State Farm
$109
3.80/5
UAIC
$142
2.42/5
GEICO
$154
3.65/5
Nationwide
$156
3.60/5

Cheapest Car Insurance by City in Florida

Travelers is the cheapest car insurance company in most Florida cities, starting at $112 a month in Cape Coral. State Farm is cheapest in the four most expensive: Hialeah at $219 a month, Miami at $212 a month, Fort Lauderdale at $177 a month and Tampa at $169 a month. All four sit in South Florida or the Tampa Bay corridor, where traffic density, vehicle theft and a history of PIP fraud push rates higher. That $107 gap between Cape Coral and Hialeah adds up to $1,284 a year from ZIP code alone.

Cape Coral
Travelers
$46
Gainesville
Metropolitan Group
$46
Tallahassee
Travelers
$47
Port St. Lucie
Travelers
$51
Jacksonville
Travelers
$53
Orlando
Travelers
$55
Lakeland
Travelers
$56
Palm Bay
Travelers
$56
St. Petersburg
Travelers
$56
Clearwater
Travelers
$58
Miami
GEICO
$68
Hialeah
GEICO
$71
Miramar
Travelers
$71
Tampa
Travelers
$71
West Palm Beach
Travelers
$71
Coral Springs
Travelers
$72
Pembroke Pines
Travelers
$73
Fort Lauderdale
Travelers
$75
Hollywood
Travelers
$85
Pompano Beach
Travelers
$90

Cheapest Car Insurance for High Risk Drivers in Florida

Travelers is cheapest after a speeding ticket at $151 a month and after an at-fault accident at $155 a month. State Farm is cheapest after a DUI at $145 a month. That is the same rate State Farm charges after a texting violation. Among the five companies in this table, State Farm is the only one that prices a DUI the same as a texting violation rather than higher. For a driver with a DUI, that is the right first quote.

For bad credit, UAIC is cheapest at $148 a month. UAIC specializes in high-risk drivers, which is why it prices below standard companies for poor credit. The tradeoff is real: no online account management, no bundling discounts and a limited agent network. Once credit improves, Travelers at $112 a month is the better option. That is a $36 a month difference.

Speeding Ticket
Travelers
$121
4.28/5
At-Fault Accident
Travelers
$127
4.28/5
DUI
State Farm
$122
3.80/5
Texting While Driving
State Farm
$122
3.80/5
Bad Credit
UAIC
$134
2.42/5

In Florida, the company a driver chooses and the coverage level they carry are the two decisions that move the rate the most.

  1. 1
    Compare at least three Florida insurers and save up to $268 a month

    Get quotes from Travelers, State Farm and at least one other company before renewing any policy. Travelers charges $112 a month for full coverage. Allstate charges $380 a month for the same coverage. That $268 monthly difference adds up to $3,216 a year. Compare using the same limits and deductible at each company so the quotes are directly comparable.

  2. 2
    Match your coverage level to your vehicle's value and save $67 a month

    Drop full coverage if the vehicle is worth less than $8,040. Full coverage costs $67 more a month than minimum coverage at Travelers. That is $804 a year. A vehicle worth less than $8,040 would cost more to insure at full coverage over ten years than it could return in a total-loss payout. Drivers with a car loan or lease need full coverage regardless. Use the Florida car insurance calculator to run the math for a specific vehicle.

  3. 3
    Bundle home and auto and save on both premiums

    Ask for a combined quote from Travelers or State Farm before renewing either policy separately. Travelers, State Farm and GEICO all offer home and auto bundling in Florida. The discount varies by company and policy mix. See the best home and auto bundle in Florida page for current bundled rates.

  4. 4
    Get new quotes when a violation ages off and recover up to $43 a month

    Florida violations stay on the driving record for three years. Getting new quotes when that window closes captures the rate drop. At Travelers, an at-fault accident adds $43 a month. That rate does not drop automatically at renewal.

  5. 5
    Get new quotes when credit improves and recover $36 a month

    Florida allows insurers to use credit as a rating factor. UAIC charges $148 a month for poor credit. Travelers charges $112 a month for good credit. Once credit improves, getting new quotes at Travelers recovers $36 a month. The rate does not update automatically mid-policy.

  6. 6
    Use telematics programs to lower the base rate

    Three companies in Florida's table offer telematics programs that track driving behavior and can lower the rate at renewal.

    • Travelers IntelliDrive: Tracks driving over a 90-day monitoring period. Safe drivers can earn up to 30% off the rate at renewal. Poor driving during the monitoring period can raise the rate.
    • State Farm Drive Safe & Save: Tracks mileage and driving behavior. Gives an initial discount for enrolling and can save up to 30% at renewal based on driving performance. Poor driving cannot raise the rate under this program.
    • GEICO DriveEasy: Tracks driving behavior through the GEICO app. Safe drivers earn a discount at renewal. GEICO has not published a maximum discount. Poor driving can raise the rate.

MoneyGeek analyzed car insurance rates for Florida using data from Quadrant Information Services, collected from insurance company filings with the Florida Office of Insurance Regulation across all residential ZIP codes in Florida. These are filed rates, not online quote estimates.

Baseline driver profile

  • Age: 40-year-old male
  • Vehicle: 2020 Toyota Camry LE
  • Record: Clean driving history, good credit
  • Annual mileage: 12,000 miles
  • Full coverage: 100/300/100 liability with a $1,000 deductible
  • Minimum coverage: Florida's required $10,000 PIP and $10,000 property damage liability

Profile variations

  • Young drivers ages 16 through 25 on a family policy, split by gender. Florida uses gender as a rating factor.
  • Senior driver at age 65
  • Violation profiles with one variable changed at a time
  • Poor-credit profile

USAA is excluded from all tables. USAA is available only to military members, veterans and immediate family. Eligible drivers should include USAA in any comparison.

MoneyGeek scoring factors

  • Affordability (60%): Normalized rates across all companies within each driver profile
  • Customer experience (30%): J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings and Google Business ratings
  • Coverage options (10%): Range of available add-ons and included benefits

The overall MoneyGeek score shown in summary tables reflects this composite. Customer experience sub-scores shown in section tables reflect the customer experience component only and differ from the overall score.

Florida state notes

Florida is a no-fault state. PIP of $10,000 is required on every policy and pays for the driver's own medical costs after an accident regardless of fault. Florida does not require bodily injury liability coverage. Florida requires $10,000 in property damage liability. An FR-44 filing is required after a DUI conviction in Florida. The FR-44 requires minimum liability limits of $100,000 per person, $300,000 per accident and $50,000 for property damage, per Florida Statute 324.023. The filing period is three years from the date of license reinstatement. Credit is a permitted rating factor. Gender is a permitted rating factor. UAIC is a specialty nonstandard insurer included for the bad credit profile. Florida's uninsured driver rate is estimated at approximately 20% based on Insurance Research Council claims data. The Florida Department of Highway Safety and Motor Vehicles reports a lower figure of approximately 5-6% based on registered uninsured vehicles; the higher IRC estimate includes drivers operating without valid coverage regardless of registration status. SB 522 (2026), which proposed eliminating PIP in favor of an at-fault system, did not pass; current minimums remain in effect.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the insurance market at LendingTree and MoneyGeek. There, he has analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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