Cheapest Car Insurance in Florida (2025)

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Cheapest Car Insurance in Florida (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
Nationwide $59 $710
Metlife $80 $963
Kemper $121 $1,452
Safeco $137 $1,644
Mercury $155 $1,854
Electric $182 $2,187
Gainsco $185 $2,220
Allstate $185 $2,222
Progressive $201 $2,411
Embark General $221 $2,651
Last Updated Jan 12, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, 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
Nationwide $198 $2,373
Clearcover $208 $2,499
Metlife $223 $2,671
State Auto $231 $2,772
Electric $231 $2,774
Aspire Advantage $231 $2,776
Travelers $255 $3,059
Kemper $258 $3,090
Trexis $261 $3,131
Safeco $262 $3,149
Last Updated Jan 12, 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 $5,093
21-24 $376 $4,513
Last Updated Jan 12, 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
Aspen 20 $239 $2,869
Gainsco 20 $286 $3,437
Assurance America 20 $290 $3,474
Safeco 20 $295 $3,544
Progressive 20 $298 $3,571
Last Updated Jan 12, 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
Aspen 20 $263 $3,153
Electric 20 $387 $4,638
Progressive 20 $482 $5,787
National General 20 $508 $6,092
Mendota 20 $557 $6,682
Gainsco 20 $613 $7,358
Embark General 20 $631 $7,567
Assurance America 20 $661 $7,934
Dairyland 20 $684 $8,208
Bristol West 20 $715 $8,584
Last Updated Jan 12, 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 $309 $3,714
35-44 $283 $3,393
45-54 $263 $3,158
Last Updated Jan 12, 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 $77 $919
Travelers 36 $122 $1,460
Mercury 36 $171 $2,049
Gainsco 36 $173 $2,080
Safeco 36 $175 $2,101
Last Updated Jan 12, 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 $180 $2,158
Kemper 36 $224 $2,690
Travelers 36 $230 $2,760
Nationwide 36 $264 $3,164
Safeco 36 $276 $3,316
Mercury 36 $289 $3,472
Allstate 36 $299 $3,591
Embark General 36 $308 $3,691
AAA 36 $308 $3,695
Progressive 36 $326 $3,908
Last Updated Jan 12, 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
Assurance America 65 $116 $1,391
Mercury 65 $127 $1,528
Safeco 65 $132 $1,586
Progressive 65 $133 $1,598
Gainsco 65 $136 $1,638
Last Updated Jan 13, 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
Nationwide 65 $146 $1,751
Travelers 65 $192 $2,309
Mercury 65 $198 $2,376
Safeco 65 $220 $2,643
National General 65 $240 $2,883
Gainsco 65 $248 $2,971
Assurance America 65 $263 $3,152
Infinity 65 $275 $3,301
Allstate 65 $285 $3,415
Mendota 65 $295 $3,536
Last Updated Jan 12, 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
Bluefire $55 $656
Aspire Advantage $112 $1,342
State Auto $128 $1,534
Metlife $150 $1,803
Anchor General $155 $1,856
Kemper $159 $1,909
Trexis $161 $1,926
Clearcover $173 $2,074
First Acceptance $179 $2,144
Nationwide $189 $2,271
Last Updated Jan 12, 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 $313 $3,758
660-750 $292 $3,499
<550 $319 $3,824
750+ $244 $2,925
Last Updated Jan 12, 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 $97 $1,163
State Auto <550 $122 $1,464
Anchor General <550 $130 $1,559
Encompass <550 $164 $1,965
Nationwide <550 $178 $2,139
Last Updated Jan 13, 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 $311 $3,737
At Fault With No Injury $351 $4,215
Not At Fault $326 $3,913
$263 $3,153
Last Updated Jan 13, 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
Bluefire At Fault With No Injury $84 $1,010
Anchor General At Fault With No Injury $180 $2,164
Trexis At Fault With No Injury $183 $2,194
Nationwide At Fault With No Injury $184 $2,207
Aspire Advantage At Fault With No Injury $200 $2,394
Last Updated Jan 12, 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
Nationwide At Fault With Injury $119 $1,433
Clearcover At Fault With Injury $144 $1,726
Allstate At Fault With Injury $171 $2,049
Aspire Advantage At Fault With Injury $184 $2,209
Electric At Fault With Injury $237 $2,838
Last Updated Jan 13, 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 under 15 $314 $3,768
Speeding over 15 $357 $4,287
Last Updated Jan 12, 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
Bluefire $84 $1,010
Aspire Advantage $124 $1,487
Nationwide $139 $1,668
Anchor General $176 $2,113
Metlife $177 $2,120
Clearcover $213 $2,554
Electric $239 $2,869
Embark General $240 $2,877
Safeco $243 $2,922
Mercury $255 $3,060
Last Updated Jan 12, 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 $329 $3,947
$287 $3,449
Last Updated Jan 13, 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
Aspire Advantage $84 $1,008
Nationwide $89 $1,067
Trexis $109 $1,302
Aspen $141 $1,695
Electric $152 $1,826
Gainsco $186 $2,228
Travelers $212 $2,540
Mercury $224 $2,682
Embark General $225 $2,700
Safeco $237 $2,846
Last Updated Jan 12, 2025

Average car insurance for drivers with other violations in Florida

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $382 $4,587
Cell Phone $274 $3,286
Defective Equipment $306 $3,672
Driving on Sus. License $272 $3,263
Eluding Police $368 $4,421
Failure to Obey Traffic Sign $353 $4,237
Illegal Turn $330 $3,963
Improper Passing $371 $4,457
Leaving scene of an Accident/Hit and Run $302 $3,621
Open Container $263 $3,156
Other $341 $4,098
Passing School Bus $274 $3,289
Racing/Drag Racing $326 $3,915
Reckless Driving $245 $2,939
Seat Belt $296 $3,549
Suspension $334 $4,011
Wrong Way/Wrong Lane $373 $4,481
Last Updated Jan 12, 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 on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

For illustrative purposes only, results may vary

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