Florida drivers pay an average of $2980 annually for minimum insurance coverage to meet the state’s bodily injury liability and property damage liability insurance requirements. If you get full coverage that includes comprehensive and collision coverage, you’ll pay an average cost of $4547 annually as a Florida driver.
While you want to compare quotes to save on your insurance premiums, price shouldn’t be the only factor when deciding on an auto insurance company.
We’re rating the best in Florida car insurance companies based on various factors, including customer service, claims satisfaction, financial reliability, policy cost, and more.
Safeco: Great for versatile options and customizable coverage
Overall Jerry rating in Florida: 4.7
JD Power customer satisfaction: Not rated for Florida market
AM Best financial strength: A
NAIC complaint index (June 2023): Slightly more than expected
Safeco has been around since the 1920s, but you can expect a modern experience whether you use their website, app, or call to talk to a real person. They offer a wide variety of extra policy items, such as accident forgiveness and custom equipment coverage, as well as nice bonuses like diminishing deductibles or claims-free cash back.
Our survey participants rated Safeco highly across the board, from customer service to the claims process. According to the National Association of Insurance Commissioners (NAIC), they have a slightly higher-than-expected number of complaints, but by a small margin.
Assurance America: Great for drivers with violations
Overall Jerry rating in Florida: 4.7
JD Power customer satisfaction: Not rated for Florida market
AM Best financial strength: N/A
NAIC complaint index (June 2023): N/A
Assurance America specializes in insurance for drivers who have trouble finding affordable rates due to previous traffic violations, like a DUI or a high number of speeding tickets. Their insurance premiums are a little above average but cheaper compared to other companies when it comes to things like an SR-22 option.
Assurance America only operates in 10 states, which can mean shopping for a new company if you move, but they are a solid, no-frills choice. They have a lower-than-average claims processing rating, which could partially be due to specializing in high-risk drivers and a larger influx of claims, but they still get solid reviews for customer service.
Kemper: Good for drivers with violations
Overall Jerry rating in Florida: 4.7
JD Power customer satisfaction: Not rated for Florida market
AM Best financial strength: A-
NAIC complaint index (June 2023): A little above average
Description: Kemper has options for drivers who might struggle to find affordable insurance if they don’t have a clean driving record, plus they have a range of other forms of insurance. They cost a little more than average, but that is typical of non-standard auto coverage, and they give you a good option if your situation is more complicated.
If you want to bundle your auto and home/renter’s/mobile home insurance options, they have more flexibility when it comes to coverage. And since it’s becoming harder to find insurance for housing in Flordia, that only works in their favor. Our Florida survey participants gave them average ratings for customer service and claims processing, so they neither stand out nor fall behind.
Esurance: Tech-friendly insurance with plenty of options
Overall Jerry rating in Florida: 4.7
JD Power customer satisfaction: Not rated for Florida market
AM Best financial strength: A+
NAIC complaint index (June 2023): More than expected
Esurance offers standard coverage, with a decent range of options, though they have fewer discounts available. Their insurance aims to serve the average customer. They use technology to their advantage, and you’ll be able to do a lot online as a customer.
Esurance does have lower-than-average ratings for the claims process and a higher-than-average number of customer complaints for the company's size, but solid ratings otherwise. If you want pretty standard insurance and love tech-friendly options, take a closer look at Esurance.
National General: Non-standard insurance for high-risk drivers
Overall Jerry rating in Florida: 4.6
JD Power customer satisfaction: Not rated for Florida market
AM Best financial strength: A+
NAIC complaint index (June 2023): More than expected
National General offers options for drivers with traffic violations, and they do have additional coverage options so you can add extras to your policy. They offer multiple discounts and get decent ratings. However, they also have a higher rate of complaints, so it’s mixed.
If you want a lot of options for customizing an insurance policy or need coverage with a less-than-perfect driving record, consider National General.
Embark General: Solid newcomer
Overall Jerry rating in Florida: 4.6
JD Power customer satisfaction: Not rated for Florida market
AM Best financial strength: Not rated
NAIC complaint index (June 2023): Slightly higher than expected
Description: Embark General is pretty new to the Florida market, joining forces with Incline P&C Group. Their goal is to give coverage to underserved drivers and provide more flexibility for customers, and so far they are earning good reviews in the short timeframe they’ve been available, which is why we’ve included them on our list.
How to save on your Florida auto insurance
There isn’t one specific insurance provider that has the most affordable coverage for everyone. Factors like what vehicle you drive, where you live, your age, your driving history, and the coverage requirements make a difference in car insurance rates.
Don’t jump at the first option you find—instead, you want to get quotes from a minimum of 3 to 5 insurance providers before picking a new policy. Fortunately, Jerry’s insurance comparison app
does a lot of the heavy lifting for you, comparing over 50 top national brands so you can find the best rates. You can also ask your insurance agent about possible discounts, such as bundling both homeowners or renters and auto insurance policies, a good student discount, or taking part in a telematics program. Florida has a higher-than-average number of car accidents, so you don’t want to focus on getting the cheapest option.
Upgrading your coverage can save you in the long run
By only purchasing the bare minimum of coverage required by Florida, you can reduce the cost of your auto insurance, but you risk being left with a lot of unpaid bills if you get into a major accident.
It's nearly always a good idea to raise your liability coverage limits, and if you drive a newer vehicle, adding comprehensive coverage, collision coverage, or personal injury protection to your policy will give you the best options for a full coverage policy.
You might want to add optional coverage like the ones below for even more protection:
Since Florida is a no-fault state when it comes to insurance laws, you are expected to carry personal injury protection (PIP)
, but you still might consider upping your amount since it helps pay for your medical expenses after an accident. Jerry’s content editors analyzed 20 of the top insurers in Florida and chose the best ones based on a combination of scores from JD Power, AM Best, NAIC, and Jerry’s own nationwide carrier survey.
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FAQs
There isn't a single provider that gives everyone the most affordable auto insurance rates. Your premiums will vary based on a number of things, such as your driving history, the vehicle you drive, your location, your driving habits, and if you qualify for discounts.
The average cost of car insurance for minimum liability coverage in Florida is $2980, and the average cost of full coverage car insurance in Florida is $4547.
