Florida Auto Insurance: Best Options

Florida is one of the most expensive states for car insurance, with the average cost of a full-coverage policy being $3,467 per year. The best car insurance companies in Florida include State Farm, Geico, Progressive, and Allstate. These companies offer a range of coverage options, discounts, and strong customer satisfaction ratings.

State Farm is the largest auto insurer in the U.S. and has high marks for customer satisfaction. It offers a Steer Clear program for young drivers and low average premium rates.

Geico offers some of the cheapest rates in Florida and has a highly-rated mobile app and website.

Progressive provides digital tools like the Name Your Price tool, which populates coverage options based on your budget, and the Snapshot telematics program, which offers discounts based on driving habits.

Allstate has high customer satisfaction ratings and a telematics program called Drivewise, which does not increase your premium for less-than-ideal driving habits.

Companies with the best customer satisfaction ratings

State Farm is one of the best-rated auto insurance companies in Florida for customer satisfaction. It has an easy-to-use website and a simple claims filing process compared to other top-rated companies in Florida. State Farm also has high app store ratings for iOS and Android devices. The company has high customer satisfaction ratings from J.D. Power, with a score of 833 out of 1,000 possible points in the customer satisfaction survey. State Farm also has a high rating from the National Association of Insurance Commissioners (NAIC), with a complaint index of 1.41.

Geico is another auto insurance company in Florida with high customer satisfaction ratings. It has a robust website and mobile app, and offers many discounts. Geico earned a relatively high 812 out of 1,000 in J.D. Power's overall customer satisfaction index in Florida, putting it above the industry average for the state. Geico also has a low NAIC complaint index of 1.96.

USAA is another auto insurance company with high customer satisfaction ratings in Florida, but it is only available to military members, veterans, and their families. USAA has consistently been rated highly for customer satisfaction in J.D. Power's customer satisfaction index.

Travelers is another auto insurance company in Florida with high customer satisfaction ratings. It has a low NAIC complaint index of 1.21 and is ranked seventh in customer satisfaction in Florida according to J.D. Power. However, its customer satisfaction ratings are below average.

Other Companies with Good Customer Satisfaction Ratings

Auto-Owners is an auto insurance company in Florida with high customer satisfaction ratings and few customer complaints. It has a low NAIC complaint index and offers a wide variety of products with opportunities to bundle.

Progressive is another auto insurance company in Florida with good customer satisfaction ratings. It has a strong financial rating from AM Best and a solid customer satisfaction rating from the Better Business Bureau (BBB). In a nationwide car insurance satisfaction survey, Progressive scored only slightly lower than the industry standard for overall customer satisfaction.

Companies with the lowest rates for young drivers

Florida's auto insurance rates are among the highest in the country, with full-coverage policies costing an average of $3,795 per year, or $316 per month. This is due to a variety of factors, including the state's no-fault auto insurance laws, environmental factors, weather risks, and a high number of uninsured drivers.

Geico

Geico offers the cheapest car insurance premiums in Florida, with average monthly rates of $54 for minimum coverage and $174 for full coverage. They also have the cheapest rates for young drivers with a speeding ticket or an accident on their record. Geico is ranked fourth in the Best Car Insurance Companies in the US. They offer a wide range of discounts, including good student discounts of up to 15%.

State Farm

State Farm has the cheapest car insurance rates in Florida, with an average annual rate of $1,652, or $138 per month. They also have the lowest rates for drivers with a speeding ticket, a single accident, or a DUI on their record. State Farm is ranked third in the Best Car Insurance Companies in the US. They offer a wide range of discounts, including good student discounts of up to 25%.

Travelers

Travelers offers some of the cheapest car insurance rates in Florida, with full-coverage policies costing around $2,371 per year, or $198 per month. They also have the cheapest rates for 17-year-old drivers, with an average monthly cost of $435. Travelers is ranked first in the Best Car Insurance Companies in the US. They offer a range of discounts, including a safe driver discount if you haven't had any major accidents in the last three years.

USAA

USAA offers affordable full-coverage policies for military-affiliated drivers in Florida. Their rates are especially competitive for senior drivers, with average annual rates of $3,192 for 60-year-old drivers. USAA also offers a range of discounts tailored to military members and their families.

National General

National General is a good option for young drivers in Florida, especially those with poor credit scores. Their rates are competitive for 19-year-old drivers, with an average monthly cost of $353. They also offer discounts for vehicles equipped with anti-theft security devices.

Companies with the lowest rates for adults

Geico

Geico is a popular choice for car insurance in Florida, offering a raft of discounts and nationwide availability. It is often the cheapest option for adults, with an average rate of $143 per month for a 35-year-old driver with a clean driving record and good credit. Geico also has a robust website and mobile app, and offers gap insurance. However, it has a limited network of local agents and has below-average customer satisfaction ratings for auto insurance claims.

State Farm

State Farm is another good option for adults, with high customer satisfaction ratings and numerous discounts. It offers extras such as travel expense coverage and has an easy-to-use website and simple claims filing process. However, it does not offer gap insurance.

Progressive

Progressive is a good choice for tech-savvy drivers, with a highly-rated mobile app and website. It also offers low rates for high-risk drivers and has a large selection of optional add-on coverages. However, its overall customer satisfaction ratings are slightly below the industry average.

Allstate

Allstate has high customer satisfaction ratings, particularly for claims satisfaction, and offers a range of coverage options. It also has a telematics program, Drivewise, which can help you save on your premium. However, its premiums tend to be higher than those of other companies.

Travelers

Travelers offers a broad range of coverage options and discounts, and has an easy-to-use website. However, it does not offer rideshare insurance in Florida and has below-average customer satisfaction ratings.

Companies with the lowest rates for seniors

For seniors in Florida, Geico is the company with the lowest rates. Its Prime Time contract is a guaranteed auto insurance renewal program for drivers over the age of 50. The average cost of full coverage from Geico is $1,463 per year, while a minimum-coverage policy costs $763 per year.

USAA also offers low-cost car insurance for senior drivers who are active military members, veterans, or their immediate families.

Nationwide is another good option for seniors in Florida. Its SmartMiles program is designed for seniors who find themselves driving less often after retirement.

Companies with the lowest rates for drivers with a clean record

Geico

Geico offers the cheapest car insurance premiums in Florida, with average monthly rates of $54 for minimum coverage and $174 for full coverage. It also has a vast product range, including home insurance, motorcycle, RV, pet, collector car and jewellery insurance. The company’s extensive product line gives customers many chances to save by bundling products. Geico’s optional car insurance coverages include emergency road service, rental reimbursement and mechanical breakdown insurance. It also has usage-based insurance through its DriveEasy program.

State Farm

State Farm has the cheapest car insurance rates in Florida, according to our study, with an average annual rate of $138 per month. It also has the lowest sample rates in several driver categories, including drivers with a speeding ticket, a single accident on their record, and a DUI. Its sample rate for drivers with a DUI is $1,772, which is about half the average annual rate in this category at $3,617.

State Farm is No. 3 in our rating of the best car insurance companies, which includes an analysis of the nation’s largest insurers based on multiple criteria, including a survey of more than 9,500 consumers.

Travelers

Travelers offers drivers in Florida all the standard car insurance coverages but also has a wide range of extra coverages, including accident forgiveness, loan/lease gap insurance, named non-owner coverage, and roadside assistance. With many ways to customize plans, Travelers is a smart auto insurance option for Floridians to consider.

Allstate

Allstate is one of the more expensive insurance companies on this list on average, but you might be able to bring your base premium down by signing up Drivewise, the company’s telematics program. The carrier also offers an enticing Deductible Rewards program, which lowers your collision deductible for each year of safe driving.

Allstate ranked highly in J.D. Power's customer satisfaction study and in the 2023 U.S. Auto Claims Satisfaction Study.

Frequently asked questions