Cheapest Car Insurance in Florida (April 2025)

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Cheapest Car Insurance in Florida (April 2025)

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Key Takeaways
  • Florida drivers need to carry $10,000 PIP and $10,000 PDL.
  • Companies like Embark, Gainsco and Progressive often have low rates for Florida drivers.

Drivers in Florida tend to pay a hefty amount for car insurance premiums compared to other states. The Sunshine State ranks highly for traffic accidents, uninsured drivers are rampant, there’s a litigious environment rife with fraudulent car insurance claims, and extreme weather events like hurricanes, tropical storms, and flash flooding all lead to higher costs for premiums. 

Case in point: The state’s minimum coverage costs $269 annually, according to a Jerry analysis. The average cost of full coverage insurance is $395 per month. That’s 15% higher than the national average for full coverage. 

What are Florida’s minimum requirements for car insurance?

Under Florida law, drivers are required to carry $10,000 for personal injury protection (PIP) and a minimum of $10,000 for property damage liability (PDL). 

When you or somebody else driving your car gets into an accident and are found at fault, PDL coverage helps pay for the damage that your vehicle does to another person’s property.

PIP and PDL are not considered liability coverage and only cover the policyholder — not injuries and damage done to the other driver or passengers subjected to a crash.

PIP allows policyholders to file claims for injuries, lost wages and car repairs when they are injured in an accident regardless of who is found responsible. In Florida, PIP only pays up to the state’s maximum of $10,000 for medical expenses for injuries. This coverage also helps pay some funeral expenses when there’s a fatality. 

This unique minimum requirement in Florida, as well as the state passing the No-Fault Law in 1971 as part of the Motor Vehicle Insurance Act, has led to an excess of fraudulent PIP lawsuits. That drives up the costs for policyholders statewide. 

Cheapest minimum coverage insurance in Florida

Check out the quoted prices for minimum coverage in The Sunshine State:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Embark General $98 $1,176
Gainsco $171 $2,048
Progressive $227 $2,719
Mendota $263 $3,154
National General $265 $3,185
Bristol West $305 $3,659
Assurance America $338 $4,050
Root $338 $4,056
Infinity $348 $4,181
Dairyland $383 $4,594
Last Updated Mar 31, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Florida

Full coverage could give you the peace of mind or you might be required to have it when you lease or loan your car. Check out these quotes for full coverage in Florida:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Mercury $181 $2,174
AAA $220 $2,636
Anchor General $252 $3,027
Aspire Advantage $261 $3,129
Bluefire $285 $3,418
Progressive $308 $3,701
National General $325 $3,897
Safeco $339 $4,074
Trexis $349 $4,185
Gainsco $399 $4,787
Last Updated Mar 31, 2025

Cheapest car insurance for young drivers in Florida

Like everywhere else in the United States, young drivers in Florida pay the most for auto insurance:

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $430 $5,161
21-24 $363 $4,354
Last Updated Mar 31, 2025

Cheapest state minimum policy in Florida for a 20 year old

A 20-year-old Floridian who needs minimum coverage can expect to pay over $200 per month for car insurance according to our quotes:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Trexis 20 $161 $1,929
National General 20 $263 $3,155
Gainsco 20 $271 $3,256
Infinity 20 $298 $3,572
Embark General 20 $319 $3,823
Last Updated Mar 31, 2025

Cheapest full coverage policy in Florida for a 20 year old

Check out the quotes for full coverage in Florida for a 20-year-old driver:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Safeco 20 $398 $4,773
National General 20 $497 $5,960
Progressive 20 $515 $6,183
Mendota 20 $563 $6,757
Bristol West 20 $595 $7,138
Dairyland 20 $606 $7,274
Embark General 20 $607 $7,285
Root 20 $670 $8,041
Gainsco 20 $686 $8,227
The General 20 $739 $8,862
Last Updated Mar 31, 2025

Average car insurance for mature drivers in Florida (25-54 years old)

These are the rates applicable to drivers aged 25 to 54, which see a general decline as a Floridian gets older:

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $305 $3,657
35-44 $280 $3,361
45-54 $260 $3,123
Last Updated Mar 31, 2025

Cheapest state minimum policy in Florida for a 36 year old

The typical Jerry customer is 36 years old. Below are the quotes for a state-minimum policy in Florida tailored to someone of that age:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
First Acceptance 36 $50 $602
Aspire Advantage 36 $94 $1,130
Anchor General 36 $96 $1,151
Gainsco 36 $163 $1,960
Root 36 $168 $2,020
Last Updated Mar 31, 2025

Cheapest full coverage policy in Florida for a 36 year old

Here are the most affordable quotes for full coverage available to a 36-year-old in Florida:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage 36 $212 $2,542
Progressive 36 $328 $3,941
National General 36 $329 $3,946
Safeco 36 $352 $4,227
Gainsco 36 $372 $4,463
Assurance America 36 $416 $4,987
Bristol West 36 $430 $5,155
Embark General 36 $452 $5,424
Mendota 36 $482 $5,783
Dairyland 36 $500 $6,003
Last Updated Mar 31, 2025

Average car insurance for older drivers (55+ years old)

Senior drivers typically enjoy lower insurance rates throughout their 50s and early 60s; however, premiums often begin to rise as they move into their later years.

Cheapest state minimum policy in Florida for a 65 year old

Below are the quotes for a state-minimum policy in Florida for a 65-year-old driver.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Dairyland 65 $139 $1,664
Gainsco 65 $139 $1,664
National General 65 $140 $1,679
Progressive 65 $140 $1,682
Embark General 65 $159 $1,911
Last Updated Mar 31, 2025

Cheapest full coverage policy in Florida for a 65 year old

If you need full coverage, here are the most affordable full coverage quotes available for a 65-year-old driver in Florida.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 65 $178 $2,141
Safeco 65 $251 $3,010
National General 65 $279 $3,350
Embark General 65 $287 $3,443
Dairyland 65 $297 $3,560
Gainsco 65 $320 $3,837
Bristol West 65 $328 $3,937
Infinity 65 $330 $3,960
Assurance America 65 $333 $4,000
Mendota 65 $356 $4,272
Last Updated Mar 31, 2025

Average car insurance for drivers with clean records in Florida

If you have no violations or claims, check out the average quotes for Floridians with clean records and insurers who have the lowest quotes for drivers with clean records:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $79 $943
Anchor General $95 $1,134
Commonwealth Insurance $147 $1,767
Trexis $157 $1,881
Mercury $181 $2,174
First Acceptance $193 $2,316
Progressive $216 $2,587
AAA $220 $2,636
Embark General $224 $2,691
National General $231 $2,772
Last Updated Mar 31, 2025

Average car insurance for drivers with low credit scores in Florida

Drivers in Florida with a better credit score pay less for insurance, as you can see from the falling average quotes below:

Credit Score
Avg Monthly Quote
Avg Annual Quote
550-659 $299 $3,587
660-750 $276 $3,308
<550 $307 $3,686
750+ $236 $2,831
Last Updated Mar 31, 2025

If you have a low credit score, meaning a score of less than 550, check out these insurers for the best rates:

Insurance Company
Credit Score
Avg Monthly Quote
Avg Annual Quote
Anchor General <550 $101 $1,212
Aspire Advantage <550 $121 $1,447
First Acceptance <550 $227 $2,729
Embark General <550 $247 $2,965
National General <550 $268 $3,212
Last Updated Mar 31, 2025

Cheapest car insurance for drivers with at-fault accidents in Florida

An accident will definitely increase your insurance quotes in Florida, according to our data:

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
At Fault With Injury $309 $3,705
At Fault With No Injury $334 $4,011
Not At Fault $313 $3,752
$264 $3,167
Last Updated Mar 31, 2025

Cheapest car insurance for drivers with at-fault accidents with no injury in Florida

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage At Fault With No Injury $139 $1,669
Bluefire At Fault With No Injury $140 $1,674
Trexis At Fault With No Injury $186 $2,230
Anchor General At Fault With No Injury $198 $2,376
Aspen At Fault With No Injury $249 $2,990
Last Updated Mar 31, 2025

Cheapest car insurance for drivers with at-fault accidents with injury in Florida

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage At Fault With Injury $109 $1,313
First Acceptance At Fault With Injury $233 $2,792
Safeco At Fault With Injury $248 $2,977
National General At Fault With Injury $260 $3,117
Embark General At Fault With Injury $266 $3,192
Last Updated Mar 31, 2025

Cheapest car insurance for drivers with a speeding ticket in Florida

Speeding will cause your average quote to rise, according to our data based on customers in Florida:

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Speeding over 15 $347 $4,165
Speeding under 15 $274 $3,283
Last Updated Mar 31, 2025

if you have a speeding ticket, it might be worthwhile to get quotes from various insurers because you could get a better quote:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $67 $806
Anchor General $87 $1,040
Aspen $115 $1,383
Commonwealth Insurance $220 $2,641
Embark General $256 $3,075
National General $263 $3,152
Safeco $265 $3,180
Gainsco $286 $3,432
Progressive $305 $3,664
Assurance America $307 $3,687
Last Updated Mar 31, 2025

Cheapest car insurance for drivers with a DUI in Florida

Driving under the influence will negatively influence your insurance quotes, as you can see from the increase in cost from the average driver with no DUI record:

Violation Summary
Avg Monthly Quote
Avg Annual Quote
DUI $326 $3,913
$283 $3,393
Last Updated Mar 31, 2025

Different insurers charge different rates for drivers with a DUI in Florida. Check out these quotes, starting from the cheapest:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Trexis $109 $1,302
Gainsco $175 $2,104
Aspen $209 $2,510
National General $222 $2,669
Embark General $223 $2,680
Assurance America $231 $2,770
Dairyland $312 $3,742
The General $342 $4,105
Progressive $342 $4,109
Bristol West $414 $4,965
Last Updated Mar 31, 2025

Average car insurance for drivers with other violations in Florida

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $369 $4,422
Cell Phone $391 $4,693
Defective Equipment $256 $3,078
Driving on Sus. License $256 $3,077
Eluding Police $227 $2,728
Failure to Obey Traffic Sign $334 $4,003
Illegal Turn $267 $3,199
Improper Passing $366 $4,389
Leaving scene of an Accident/Hit and Run $259 $3,106
Open Container $213 $2,562
Other $326 $3,917
Passing School Bus $330 $3,966
Racing/Drag Racing $302 $3,621
Reckless Driving $146 $1,754
Seat Belt $292 $3,502
Suspension $319 $3,830
Wrong Way/Wrong Lane $270 $3,236
Last Updated Mar 31, 2025

Does Florida require drivers to have uninsured/underinsured (UM/UIM) motorists coverage?

Even though Florida drivers have an added risk of a high rate of uninsured drivers on the roads, the state does not require UM/UIM coverage. But including UM coverage to your policy can be a good idea, as the state’s minimum requirements are so low that drivers who get into an accident will likely need more protection.

UM coverage helps pay for your injuries, lost wages and the damage done to your vehicle if you’re affected by a hit and run or get into an accident with an uninsured or underinsured driver who is found at fault. 

Is full coverage auto insurance recommended in Florida?

Florida’s minimum state requirements are not likely to provide sufficient financial protection in the event you’re in a serious wreck. With various risks unique to the Sunshine State, it can be beneficial that Florida drivers carry full coverage.

Paying more for full coverage may seem expensive in the short term, but it will provide greater financial protection to you if you end up in a significant accident. Without full coverage, you’re exposing yourself to financial risks once your car insurance policy reaches its limit. 

What is full coverage car insurance in Florida?

Full coverage car insurance includes the state’s minimum, comprehensive coverage, collision coverage and bodily injury liability. 

  • Collision coverage helps pay for repairs to your car that resulted from an accident with another vehicle regardless of if you were found at fault. Collision coverage usually has a deductible.
  • Comprehensive coverage pays for damage to your car that resulted from a non-collision event like an alligator attack, flooding, extreme weather events like a hurricane, vandalism, and theft.
  • Bodily injury liability coverage helps protect you in case you’re found responsible for an accident in which another person gets injured. 

What are the factors that determine a car insurance premium in Florida?

In Florida, insurers rate drivers on various factors to determine their risk and profile, including:

  • Driving record.
  • Traffic tickets and violations history.
  • Claims history.
  • Age, gender and marital status.
  • Where you live. 
  • The vehicle you drive.
  • Policy deductibles.
  • Credit score.
  • Annual mileage.

How can you find the best cheap car insurance rates in Florida?

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

Floridians can take several steps to find the best cheap rate for their situation by doing the following:

  • Shop around and compare quotes from multiple insurers to find the best option. You can do this multiple times a year and don’t need to wait for your current policy to lapse to get this information. 
  • Bundle policies for your home, life and auto insurance from the same insurer.
  • Choose higher deductibles.
  • Maintain a safe driving record.
  • Take a defensive driving course to potentially get a discount.
  • Pay your policy in full and don’t let it lapse.

While the key to securing the best cheap auto insurance policy is to gather quotes from multiple insurers, this research can be time consuming. Fortunately, you can use Jerry, America’s first and only AllCar™ app. 

As a licensed broker, Jerry finds the best deal for you in minutes, as our app’s PriceProtect™ searches for insurance rates from 50+ insurance companies.

FAQ

  • What is the cheapest car insurance in Florida?
  • What is the cheapest full coverage car insurance in Florida?
Still have questions? Contact us

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.