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
Gainsco $171 $2,048
Progressive $227 $2,719
Mendota $264 $3,163
National General $264 $3,170
Embark General $287 $3,440
Bristol West $300 $3,597
Root $330 $3,963
Assurance America $335 $4,016
Infinity $344 $4,123
Dairyland $383 $4,596
Last Updated Apr 18, 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.

Learn more: Best car insurance in Florida

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 $273 $3,275
Bluefire $285 $3,418
Progressive $308 $3,699
National General $322 $3,868
Safeco $337 $4,046
Trexis $349 $4,185
Gainsco $396 $4,758
Last Updated Apr 18, 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 $424 $5,090
21-24 $362 $4,349
Last Updated Apr 18, 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 $260 $3,125
Gainsco 20 $268 $3,213
Infinity 20 $298 $3,572
Bristol West 20 $319 $3,828
Last Updated Apr 17, 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 $477 $5,718
Progressive 20 $511 $6,126
Mendota 20 $557 $6,680
Bristol West 20 $580 $6,955
Root 20 $586 $7,026
Dairyland 20 $591 $7,091
Embark General 20 $608 $7,302
Gainsco 20 $679 $8,147
Assurance America 20 $686 $8,237
Last Updated Apr 21, 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 $303 $3,641
35-44 $279 $3,347
45-54 $258 $3,091
Last Updated Apr 17, 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
Aspire Advantage 36 $75 $897
First Acceptance 36 $85 $1,022
Anchor General 36 $86 $1,036
Gainsco 36 $163 $1,956
Root 36 $169 $2,026
Last Updated Apr 21, 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
National General 36 $333 $3,991
Progressive 36 $333 $3,992
Safeco 36 $349 $4,188
Gainsco 36 $364 $4,366
Assurance America 36 $404 $4,842
Bristol West 36 $421 $5,057
Root 36 $440 $5,277
Embark General 36 $451 $5,410
Dairyland 36 $498 $5,981
Mendota 36 $518 $6,222
Last Updated Apr 17, 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 $135 $1,621
Progressive 65 $137 $1,640
Gainsco 65 $137 $1,649
National General 65 $139 $1,669
Safeco 65 $155 $1,859
Last Updated Apr 22, 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 $175 $2,103
Safeco 65 $251 $3,010
National General 65 $274 $3,293
Embark General 65 $295 $3,539
Dairyland 65 $297 $3,560
Bristol West 65 $318 $3,816
Gainsco 65 $320 $3,837
Infinity 65 $330 $3,960
Assurance America 65 $330 $3,962
Mendota 65 $356 $4,272
Last Updated Apr 17, 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 $163 $1,950
Mercury $181 $2,174
First Acceptance $191 $2,296
Progressive $217 $2,607
AAA $220 $2,636
National General $228 $2,738
Assurance America $230 $2,764
Last Updated Apr 18, 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 $298 $3,575
660-750 $274 $3,288
<550 $305 $3,665
750+ $232 $2,780
Last Updated Apr 18, 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
Aspire Advantage <550 $78 $941
Anchor General <550 $103 $1,233
First Acceptance <550 $219 $2,632
Embark General <550 $254 $3,043
National General <550 $265 $3,177
Last Updated Apr 17, 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 $307 $3,679
At Fault With No Injury $332 $3,982
Not At Fault $312 $3,743
$262 $3,150
Last Updated Apr 18, 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
First Acceptance At Fault With No Injury $254 $3,053
Last Updated Apr 17, 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 $254 $3,050
National General At Fault With Injury $258 $3,093
Assurance America At Fault With Injury $268 $3,211
Last Updated Apr 17, 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 $346 $4,151
Speeding under 15 $274 $3,288
Last Updated Apr 17, 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 $75 $898
Aspen $115 $1,383
First Acceptance $227 $2,725
Commonwealth Insurance $240 $2,879
Safeco $249 $2,989
National General $259 $3,107
Embark General $273 $3,277
Gainsco $287 $3,448
Assurance America $303 $3,635
Progressive $305 $3,656
Last Updated Apr 21, 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 $315 $3,785
$281 $3,377
Last Updated Apr 17, 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
Root $161 $1,933
Gainsco $175 $2,104
Aspen $209 $2,510
National General $220 $2,637
Assurance America $231 $2,770
Embark General $235 $2,817
Dairyland $274 $3,283
Progressive $332 $3,981
Safeco $339 $4,072
Last Updated Apr 17, 2025

Average car insurance for drivers with other violations in Florida

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $363 $4,358
Cell Phone $376 $4,514
Defective Equipment $249 $2,988
Driving on Sus. License $257 $3,083
Eluding Police $226 $2,712
Failure to Obey Traffic Sign $332 $3,982
Illegal Turn $259 $3,112
Improper Passing $361 $4,332
Leaving scene of an Accident/Hit and Run $259 $3,106
Open Container $210 $2,523
Other $326 $3,908
Passing School Bus $334 $4,006
Racing/Drag Racing $396 $4,747
Reckless Driving $146 $1,754
Seat Belt $291 $3,497
Suspension $316 $3,791
Wrong Way/Wrong Lane $281 $3,368
Last Updated Apr 17, 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.