Travelers has the lowest rates for 9 coverage and driver categories in Florida. State Farm and GEICO are the least expensive for the remaining 3 drives types. Compare rates in the table below based on your age, buyer profile and driving history to find the most affordable rates in Florida.
Cheapest Car Insurance in Florida
Updated: October 17, 2025
Advertising & Editorial Disclosure
Key Takeaways: Get the Cheapest Rates in Florida
Travelers has Florida's cheapest car insurance for most drivers, with minimum coverage at $52 monthly and full coverage at $112 monthly. State Farm and GEICO are low cost alternatives.
Your specific profile determines which company offers the lowest rates. Travelers has the cheapest rates for young drivers ($109/month), seniors ($69/month), and drivers with accidents ($69/month), while State Farm is cheapest for DUIs ($67/month) and GEICO for bad credit ($87/month).
Florida's average full coverage costs $234 monthly. Comparing quotes from three to five companies can save you over $1,400 annually, with rates varying significantly by city, age, credit score and driving record.
Summary of the Cheapest Florida Car Insurance
Coverage & Driving Profile | Company | Cheapest Rate in FL |
|---|---|---|
Travelers | $52 | |
Travelers | $112 | |
Travelers | $65 | |
Travelers | $109 | |
Travelers | $51 | |
Travelers | $69 | |
State Farm | $67 | |
Travelers | $69 | |
Travelers | $143 | |
GEICO | $87 | |
GEICO | $63 |
The Cheapest Minimum Coverage Car Insurance in Florida
Travelers has the cheapest minimum coverage car insurance in Florida at $52 monthly or $618 annually. GEICO, State Farm and Metropolitan Group all charge around $63-$64 monthly, giving you several affordable options for liability-only coverage.
| Travelers | $52 | -52% |
| Geico | $63 | -22% |
| State Farm | $64 | -41% |
| Metropolitan Group | $64 | -35% |
| Nationwide | $82 | -25% |
The Cheapest Full Coverage Car Insurance in Florida
Travelers has the cheapest full coverage car insurance in Florida at $112 monthly or $1,343 annually. State Farm ($138 monthly) and Metropolitan Group ($161 monthly) offer competitive alternatives, while Nationwide ($176 monthly) and GEICO ($203 monthly) round out the most affordable options.
| Travelers | $112 | $1,343 |
| State Farm | $138 | $1,660 |
| Metropolitan Group | $161 | $1,927 |
| Nationwide | $176 | $2,107 |
| Geico | $203 | $2,433 |
Adding “full coverage” to your policy in Florida includes comprehensive and collision protection in addition to liability coverage, protecting your vehicle from accidents, weather damage and theft. These coverages protect you against Florida's hurricanes and flooding.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN FLORIDA
Below are additional guides to help you in your search for the best and most affordable car insurance in Florida for your unique driver profile.
Find the Cheapest Personalized Car Insurance Quotes in Florida
Use the tool below to filter rates by your age, gender, coverage level, credit score and driving record. The cheapest company for your specific profile may differ from Florida's overall lowest-cost provider.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $150 | $1,800 | -53% | $-2,068 |
| State Farm | $155 | $1,863 | -52% | $-2,006 |
| UAIC | $205 | $2,463 | -36% | $-1,405 |
| Metropolitan Group | $221 | $2,654 | -31% | $-1,215 |
| Nationwide | $229 | $2,742 | -29% | $-1,126 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Florida by City
Travelers has the cheapest car insurance across nearly all Florida cities. Rates vary significantly by location based on local accident rates, crime levels and weather risks, with drivers in Miami paying $78 monthly while Jacksonville residents pay just $53 monthly for identical minimum coverage.
| Cape Coral | Travelers | $46 | -54% | $-84 |
| Clearwater | Travelers | $58 | -50% | $-91 |
| Coral Springs | Travelers | $72 | -47% | $-104 |
| Fort Lauderdale | Travelers | $75 | -46% | $-103 |
| Gainesville | Travelers | $49 | -38% | $-47 |
| Hialeah | Travelers | $89 | -43% | $-107 |
| Hollywood | Travelers | $85 | -42% | $-99 |
| Jacksonville | Travelers | $53 | -43% | $-66 |
| Lakeland | Travelers | $56 | -45% | $-74 |
| Miami | Travelers | $78 | -45% | $-100 |
| Miramar | Travelers | $71 | -41% | $-78 |
| Orlando | Travelers | $55 | -46% | $-75 |
| Palm Bay | Travelers | $56 | -47% | $-80 |
| Pembroke Pines | Travelers | $73 | -43% | $-89 |
| Pompano Beach | Travelers | $90 | -45% | $-115 |
| Port St. Lucie | Travelers | $51 | -44% | $-64 |
| St. Petersburg | Travelers | $56 | -49% | $-85 |
| Tallahassee | Travelers | $47 | -43% | $-57 |
| Tampa | Travelers | $71 | -50% | $-113 |
| West Palm Beach | Travelers | $71 | -55% | $-140 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance for Young Drivers in Florida (Ages 16-25)
Young drivers in Florida pay the highest insurance costs. Travelers has the lowest rates at $109 monthly for minimum coverage and $252 monthly for full coverage, saving young drivers 49% compared to Florida's average for this age group. GEICO ($121 monthly) and Metropolitan Group ($125 monthly) are the next most affordable options.
Data filtered by:Results filtered by:
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Coverage Level (Friendly):State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $109 | $1,313 | -49% | $-1,272 |
| Geico | $121 | $1,455 | -44% | $-1,131 |
| Metropolitan Group | $125 | $1,503 | -42% | $-1,082 |
| State Farm | $129 | $1,550 | -40% | $-1,036 |
| Nationwide | $166 | $1,988 | -23% | $-597 |
Cheapest Car Insurance for Seniors in Florida (Ages 65+)
GEICO has the most affordable minimum coverage at $69 monthly or $827 annually. For full coverage, Travelers is the lowest cost at $151 monthly or $1,810 annually.
State Farm ($76 monthly) and Metropolitan Group ($81 monthly) offer low cost rates for seniors who want alternatives to GEICO. Senior discounts and defensive driving course credits can lower car insurance rates even further.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $69 | $826 | -44% | $-641 |
| Geico | $69 | $827 | -44% | $-640 |
| State Farm | $76 | $917 | -37% | $-549 |
| Metropolitan Group | $81 | $978 | -33% | $-489 |
| Nationwide | $109 | $1,313 | -10% | $-154 |
Cheapest Car Insurance for High-Risk Drivers in Florida
Drivers with violations, accidents or bad credit pay higher insurance costs in Florida, but affordable coverage is still available. The cheapest company varies by your specific violation type.
Bad Credit | GEICO | $87/month | $148/month |
DUI | State Farm | $67/month | $145/month |
At-Fault Accident | Travelers | $69/month | $144/month |
Speeding Ticket | Travelers | $65/month | $143/month |
Texting While Driving | GEICO | $63/month | $145/month |
Cheapest Car Insurance With a DUI in Florida
If you have a DUI, here are the best rates in Florida:
- Cheapest option: State Farm at $67/month (minimum coverage)
- Low-cost alternatives: Travelers at $76/month
- Rate increase: 150-200% over clean record
- FR-44 filing required for 3 years with 100/300/50 limits
Florida requires an FR-44 certificate for DUI convictions, which costs $15 to $25 to file with your insurer. The FR-44 mandates higher liability limits than standard policies and must stay active for three years. Any lapse in coverage restarts the three-year requirement. Shop annually after your first year with an FR-44, as some insurers offer rate reductions once you've maintained continuous coverage.
Cheapest Car Insurance With an Accident in Florida
If you have an at-fault accident on your record, these are your most affordable rates:
- Cheapest option: Travelers at $69/month (minimum coverage)
- Low-cost alternatives: State Farm at $73/month, GEICO at $88/month
- Rate increase: 40-50% over clean record
- Accident affects rates for 3-5 years depending on severity
At-fault accidents in Florida affect your rates based on claim amount and severity. Minor accidents with claims affect rates for three years, while major accidents stay on your record for five years. Your rates drop gradually as the accident ages, with the largest decreases occurring after year three. Compare quotes annually as insurers weight accident history differently when determining your price.
Cheapest Car Insurance With a Speeding Ticket
If you have a speeding ticket in the last three years, these are the lowest rates in Florida:
- Cheapest option: Travelers at $65/month (minimum coverage)
- Low-cost alternatives: Metropolitan Group at $66/month, State Farm at $67/month
- Rate increase: 15-25% over clean record
- Ticket affects rates for 3 years in Florida
Speeding tickets in Florida add points to your license, with more points assigned for higher speeds over the limit. Tickets for 15 mph or less over the limit have less rate impact than excessive speeding violations. Some insurers offer accident forgiveness programs that also cover minor speeding tickets, keeping your rates from increasing after your first violation. Taking a traffic school course can remove points and will qualify you for lower rates.
Cheap Car Insurance With a Texting While Driving Violation
Texting while driving has become a more common violation in Florida. GEICO has the cheapest rates for texting while driving violations at $63 monthly for minimum coverage. Metropolitan Group ($66 monthly) and State Farm ($67 monthly) are low cost alternatives. For full coverage, State Farm has the most affordable option at $145 monthly.
Cheapest Car Insurance for Bad Credit in Florida
If you have a low credit score, here are you cheapest car insurance options in Florida:
- Most affordable option: GEICO at $87/month (minimum coverage)
- Low-cost alternatives: Travelers at $90/month, Metropolitan Group at $92/month
- Rate increase: 100% (doubles your rate) over good credit
- Improves as credit score increases over time
Florida allows insurers to use credit-based insurance scores when setting rates, which means poor credit can double your premiums compared to drivers with good credit. Improving your credit score by even 50 to 100 points can lower your rates within six months to a year. Shop around every six months as you rebuild credit.
How to Get the Most Affordable Car Insurance in Florida
Use these strategies to get cheaper car insurance in Florida:
- 1
Compare quotes from at least three Florida insurers
In the near term, this is the strategy that will save you the most money on your car insurance. Rates vary widely between insurers for identical coverage in Florida. A driver paying $150 monthly with one company might pay $90 with another for the same policy. Get quotes from Travelers, State Farm, GEICO, Metropolitan Group and Nationwide to find your lowest rate. Spend 15 minutes comparing and save up to $720 annually based on our analysis.
- 2
Raise your deductibles strategically
Increasing your collision and comprehensive deductibles from $500 to $1,000 cuts your premium by 10% to 15%. On a $2,000 annual policy, that's $200 to $300 in savings. Only choose higher deductibles if you can afford the out-of-pocket cost after a claim. Florida drivers should note that hurricane deductibles are separate from your standard deductibles and typically apply as a percentage of your home's value (1% to 5%). If you financed your car in Florida, note that lenders will only let you raise your deductible to a certain level.
- 3
Stack multiple discounts
Bundle your auto and home or renters policies to save 15% to 25%. Pay your premium annually instead of monthly to save another 5% to 10%. Add paperless billing for 3% to 5% off. Install a telematics device that monitors your driving to save 10% to 30% if you drive safely. Insure multiple vehicles on one policy for 10% to 25% off per vehicle. These discounts stack, potentially cutting your premium by 40% or more.
- 4
Improve your credit score
Florida drivers with poor credit pay twice as much as those with good credit for identical coverage. A driver with fair credit paying $200 monthly could drop to $100 monthly by improving their credit to good. Pay bills on time, reduce credit card balances below 30% of limits, and dispute any errors on your credit report. Improving your credit from fair to good saves $1,200+ annually on car insurance in Florida.
- 5
Maintain a clean driving record
Every violation on your record increases your rates for three to five years in Florida. A single at-fault accident adds $40 to $70 monthly to your premium. A DUI requires an FR-44 filing and doubles or triples your costs for three years. A speeding ticket adds $15 to $30 monthly. Avoid violations and your rates drop as tickets and accidents age off your record. Take a defensive driving course after a ticket to potentially reduce the rate increase.
- 6
Choose the right coverage for your situation
Drop comprehensive and collision coverage on vehicles worth less than $3,000. The annual premium often exceeds 10% of the car's value, making it financially inefficient. Keep liability, PIP and uninsured motorist coverage as these protect you from Florida's high uninsured driver rate (20.4%). If you're financing or leasing, you must keep comprehensive and collision as required by your lender.
- 7
Review your Florida car insurance policy annually
Your rates can change year to year even without violations. Life changes like moving to a different Florida city, paying off your car, turning 25, or getting married affect your rates. Shop for new quotes every 12 months or after major life changes. Florida's competitive insurance market means another company may offer better rates than your current insurer.
TIP: MINIMUM COVERAGE REQUIREMENTS IN FLORIDA - IS IT ENOUGH?
Low minimum state car insurance requirements in Florida means lower rates for drivers because you won't be legally required to buy higher coverage.
Florida is a no-fault state, meaning your PIP coverage pays your medical bills regardless of who caused the accident. The state's minimum coverage ($10,000 PIP and $10,000 property damage) meets legal requirements. The average bodily injury claim in Florida is $22,734 and 20.4% of drivers are uninsured, so consider adding bodily injury liability (100/300/100 recommended) and uninsured motorist coverage.
Cheap Car Insurance in Florida: Bottom Line
Travelers has the cheapest car insurance in Florida for most drivers, with minimum coverage at $52 monthly and full coverage at $112 monthly. State Farm and GEICO offer the next most affordable rates across most driver profiles and coverage types.
Your specific profile determines your cheapest option. Compare quotes from at least three to five companies, stack discounts like bundling and pay-in-full, and maintain good credit and a clean driving record to get the lowest rates in Florida.
FAQ's: Getting Cheaper Car Insurance in Florida
Below, our insurance experts answer common questions about finding affordable car insurance coverage in Florida.
Who has cheapest car insurance companies in Florida?
Travelers offers the most affordable car insurance in Florida, with minimum coverage at $52 monthly and full coverage at $112 monthly. State Farm and GEICO consistently have the next lowest rates across most driver profiles.
Does my credit score affect my car insurance rates in Florida?
Yes, drivers with poor credit pay up to twice as much as those with good credit for identical coverage in Florida. Improving your credit from fair to good can save you $1,200+ annually on car insurance.
How much does car insurance cost in Florida with a DUI?
A DUI doubles or triples your insurance costs due to FR-44 requirements. State Farm offers the cheapest DUI rates at $67 monthly for minimum coverage. Your rates will remain elevated for at least three years while the FR-44 filing is required.
Can I get cheap car insurance in Florida if I'm under 25?
Yes, but you'll pay higher rates than older drivers. Travelers offers the cheapest rates for young drivers at $109 monthly for minimum coverage. Stay on a parent's policy if possible, maintain good grades for student discounts, and take a defensive driving course to lower costs.
What's the fastest way to lower my car insurance rates in Florida?
Compare quotes from multiple insurance companies in Florida. Raise your deductibles from $500 to $1,000 to save 10% to 15% immediately. Bundle your auto and home or renters insurance to save another 15% to 25%. These three changes alone can cut your premium by 25% to 40%.
Do Florida seniors get cheaper car insurance rates?
Yes, senior drivers (65+) pay less than young drivers but rates can increase as you age past 70. Travelers and GEICO tie for the cheapest senior rates at $69 monthly for minimum coverage.
How We Calculate the Most Affordable Car Insurance in Florida
MoneyGeek collected auto insurance data from the Florida Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Florida.
For more detailed information on our methodology see details here.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Auto insurance." Accessed July 31, 2025.
- Insurance Information Institute. "Facts + Statistics: Hurricanes." Accessed July 31, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists." Accessed July 31, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023." Accessed July 31, 2025.