To get the best car insurance in Florida, consider companies that have high financial strength ratings with few customer complaints. According to Jerry’s editorial analysis, Auto-Owners offers the best car insurance in Florida overall. Here’s what to know about other highly-rated insurers in the state.
If you need cheap car insurance in Florida, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Florida overall: Auto-Owners
Auto-Owners
4.8Jerry’s ScoreOur TakeAuto-Owners is one of Jerry’s top-rated insurers, with a reputation for affordable coverage and a wide array of customization and discount options.
Why it’s the best: Auto-Owners stands out as one of the best car insurance companies in Florida, earning a 4.8 Jerry star rating, which is higher than most insurers we’ve rated. The company’s high financial strength rating and low number of complaints to state regulators helped push it to the top of our list. Auto-Owners also scores high in industry studies, ranking No. 1 out of 12 insurers for overall customer satisfaction in Florida in J.D. Power’s 2024 Auto Insurance Study.
Florida drivers can customize their policies with optional coverages like gap insurance, roadside assistance and diminished value coverage, which pays you if an accident lowers your vehicle’s market value — even after it’s repaired. Discounts are available for bundling policies, paying your premium on time for three years, paying for your policy in full, enrolling in paperless billing and insuring a vehicle with qualifying safety features. Auto-Owners also offers savings opportunities for young drivers, including discounts for insuring a student with a B average or higher, a student away at school or a teenager whose driving is tracked by a vehicle’s GPS or approved mobile app.
More of the best Florida insurers
The following companies round off our list of the top auto insurers in Florida.
Honorable mention: State Farm
State Farm was ranked No. 2 out of 12 insurers for overall customer satisfaction in Florida, according to J.D. Power’s 2024 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust. The company also has a superior financial strength rating from AM Best.
State Farm offers a variety of optional coverages, including rideshare insurance, emergency road service, rental car reimbursement and travel expenses coverage, which pays for lodging and travel expenses if you’re in an accident more than 50 miles from home.
The company boasts ample discounts for Florida drivers, including savings for going three years without an accident, insuring a vehicle with factory-installed anti-lock brakes and qualifying anti-theft devices, bundling policies and insuring a student with good grades. You can also get an immediate discount for signing up for State Farm’s telematics program, Drive Safe & Save, and could earn even more savings for being a safe driver.
Best full coverage car insurance in Florida
The following companies offer some of the best full coverage car insurance rates in Florida.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Mercury | $181 |
| AAA | $220 |
| Anchor General | $252 |
| Aspire Advantage | $273 |
| Bluefire | $285 |
Best car insurance for teen drivers in Florida
The following companies offer some of the best car insurance rates for teen drivers in Florida.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 19 | Dodge Dakota | National General | $78 | March 11, 2025 |
| 19 | Honda Accord | Assurance America | $117 | April 1, 2025 |
| 19 | Cadillac Cts | National General | $123 | October 13, 2024 |
| 19 | Mazda 3 | Bristol West | $134 | May 23, 2024 |
| 19 | Hyundai Genesis | Bristol West | $139 | July 1, 2024 |
| 19 | Ford F-150 | Bristol West | $140 | March 1, 2025 |
| 19 | Ford Focus | National General | $143 | March 10, 2025 |
| 19 | Chevrolet Cobalt | National General | $151 | October 18, 2024 |
| 19 | Toyota Camry | National General | $155 | February 17, 2025 |
| 19 | Nissan Rogue | National General | $158 | March 28, 2025 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Florida
Here are the best car insurance rates for young drivers in Florida.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Trexis | $155 |
| AAA | $220 |
| Anchor General | $252 |
| Aspen | $263 |
| Kemper | $285 |
Learn more: Car insurance for college students
Best car insurance for seniors in Florida
Below are the best options for drivers over 65 in Florida, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Bluefire | $55 |
| Trexis | $62 |
| First Acceptance | $123 |
| Progressive | $176 |
| Embark General | $191 |
Learn more: Car insurance for seniors
How to get the best car insurance in Florida
Follow these tips to find the best car insurance in Florida:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance 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.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
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.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
