Based on your age, driving record, credit score, accident history, insurance claims, and more, you could get wildly different insurance quotes from different providers.

To help you narrow down the best options, we analyzed thousands of real full coverage quotes in Florida and found that five companies came out on top with the lowest average rates:

Insurance company	Average full coverage premium
Clearcover	$1,478
Kemper	$1,938
State Auto	$2,145
Plymouth Rock	$2,153
Nationwide	$2,197

Methodology: How did we pick these five companies?

To narrow down the five cheapest auto insurance companies in Florida, Jerry’s data analysis spent over 200 hours analyzing data from over 25 million real car insurance quotes from the past year. The companies listed above had the lowest average rates for full coverage auto insurance policies for good drivers in Florida.

Every driver profile is different: The best car insurance company for a teen driver with a speeding ticket probably isn’t the same as the best company for a homeowner with a clean driving record. Comparing insurance providers is all about finding the best match for your profile.

Bigger isn’t always better: Some drivers find the best auto insurance rates with major companies like State Farm, GEICO, Allstate, and Progressive—but others discover the best rates with smaller insurers you might not have heard of, like Kemper and Clearcover.

Liability vs. full coverage:

Florida’s car insurance coverage requirements

only mandate personal injury protection and property damage liability insurance, which covers property damage you cause in an at-fault accident. Full coverage, on the other hand, refers to a policy that includes collision coverage and comprehensive coverage on top of that state minimum auto insurance.

Why most Florida drivers need full coverage car insurance

Florida’s car insurance requirements only mandate two types of insurance: property damage liability coverage and personal injury protection (PIP). Most drivers, however, need the protection of a full coverage policy.

Special factors facing Florida drivers include:

#4 in the nation for auto theft: A 2022 report by the National Insurance Crime Bureau (NICB) found that Florida had the 4th-highest total auto thefts, with 45,973 vehicles stolen in the Sunshine State.

High rate of fatal accidents: Florida has the 8th-highest rate of fatal car accidents in the US, according to a 2021 study by the Insurance Institute for Highway Safety (IIHS). 3,738 Floridians died in auto accidents in 2021 alone.

Hurricane season causes costly damage: In 2022, Florida racked up a record-breaking $116 billion in hurricane damage—which included damage to motor vehicles.

Tourist hotspot: Florida welcomed 137.6 million tourists in 2022, setting a new record for visiting drivers. Unfamiliar drivers on busy roads lead to high accident rates.

Busy cities: In 2021, 79% of fatal crashes in Florida took place in urban areas like Miami and Jacksonville. If you live in a city, you need full coverage.

If your vehicle is stolen, damaged in a highway accident, or affected by hurricanes or other severe weather, you’ll need collision or comprehensive insurance to help offset the cost of repairs or replacement. Driving without full coverage in Florida is legal—but for most car owners, it’s a catastrophically risky idea.

Auto loan requirements: If you have a car loan or lease, your lender will require you to maintain full coverage on the vehicle until you’ve paid off the car. If you fail to buy the required coverage, expect your lender to purchase it—and send you the bill.

The bottom line: You can get ahead of the game by comparing quotes for full coverage and protecting yourself against Florida’s many driving perils.

Do you need no-fault insurance in Florida?

Yes. Florida is a no-fault state, and all drivers are required to purchase at least $10,000 of

no-fault personal injury protection (PIP) insurance

as part of state minimum coverage.

PIP covers medical bills, rehabilitation costs, funeral expenses, and even lost wages for you and your passengers regardless of fault.

Do you need uninsured motorist coverage in Florida?

Florida’s car insurance laws don’t require drivers to carry

uninsured/underinsured motorist coverage

, but UM/UIM is available for purchase—and with over 20% of Florida’s drivers uninsured, it’s a wise investment.

If you or your passengers are injured in an accident caused by an uninsured driver—or if the at-fault party only has state minimum insurance that won’t cover all your medical expenses—your UM/UIM will come into play along with PIP.

Do you need gap coverage in Florida?

Gap insurance isn’t a legal requirement in Florida, but it’s a good idea if you recently purchased a vehicle and owe more on your loan than the car is currently worth.

If you’re unlucky enough to total the vehicle while your loan balance still outweighs the car’s actual cash value, gap coverage pays back the difference.

MORE:

The best gap insurance companies in Florida

Should you drop full coverage in Florida?

Dropping full coverage isn’t a good way to reduce insurance costs for most drivers—but it might be worth it if you’re in one of the following situations:

Your car is worth less than the cost to maintain collision and comprehensive coverage for a few years—typically less than about $4,000

You own multiple cars and can afford to go without one

You can afford to replace your vehicle out of pocket in the event of a total loss

You’ve paid off your auto loan and own the vehicle outright

State minimum Florida car insurance costs about $1,840 per year. By

dropping full coverage

, you could save a potential average of $836 per year.

But you might be able to save just as much—and maintain your full coverage protections—by comparing rates for a new insurance policy. Drivers who shop for insurance with Jerry save over $800 per year on average just by comparing quotes in the app.

Don’t drop your full coverage insurance unless it’s absolutely necessary. Instead,

shop around

for the cheapest rates with Jerry, a licensed insurance broker with over 4 million customers nationwide. Jerry’s team of 100+ licensed insurance agents can help you navigate Florida’s treacherous insurance market and find the best rates for your profile.

FAQs

How much is full coverage insurance a month in Florida?

Florida’s average full coverage car insurance premium is $223 per month, for an annual premium of $2,676.

You can lower the cost of full coverage insurance by comparing quotes from multiple providers, researching

car insurance discounts

, building good credit, taking a defensive driving course, or

bundling your auto insurance

with a homeowners or renters policy.

Is GEICO more expensive in Florida?

For some drivers, yes. GEICO typically offers cheap auto insurance for young drivers with no violations or accidents—but if you have poor credit or violations on your driving history, you may get higher rates from GEICO compared to other providers.

In fact, GEICO is the most expensive insurance company on average after a DUI—and many drivers with clean records can find more affordable coverage options elsewhere.

Is it illegal to drive without full coverage in Florida?

No. A full coverage car insurance policy—i.e., a policy that includes collision and comprehensive insurance in addition to state-mandated liability and PIP coverage—is not a legal requirement in Florida.

However, it is illegal to drive without any auto insurance coverage in Florida. If you’re caught driving uninsured, your driver’s license will be suspended for up to three years, and you’ll need to file an

SR-22 insurance certificate

for three years. You’ll also see higher insurance rates after a coverage lapse, since insurance companies will see you as a

high-risk driver

What company has the best car insurance rates in Florida?

No single insurance company has the most affordable car insurance rates for every driver in Florida. Some of the most affordable insurers in the Sunshine State include Progressive, Aspire Advantage, Kemper, and Clearcover—but comparing

personalized car insurance quotes

is the only way to find the best rates for full coverage.

What is the cheapest car insurance in Florida?

The cheapest car insurance in Florida is state minimum coverage, which includes property damage liability insurance and personal injury protection. The average cost of car insurance that meets the state’s minimum coverage limits is $1,840 per year, but this coverage usually doesn’t provide enough protection.

What is the minimum full coverage insurance in Florida?

There is no set minimum for full coverage insurance in Florida, but all Florida auto insurance policies must include at least $10,000 of property damage liability insurance and $10,000 of personal injury protection.

We recommend purchasing at least:

$50,000 per person/$100,000 per accident of bodily injury liability coverage

$50,000 of property damage liability coverage

$10,000 of personal injury protection

Enough collision and comprehensive coverage to replace your vehicle in the event of a total loss, with a high deductible

Are you overpaying for car insurance?

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