Car insurance quotes in Florida
The average car insurance rate in Florida is $1,798 for a six-month policy — 55% more expensive than the U.S. average.[1] But don’t be fooled — your location is just one piece of the puzzle. Car insurance rates in Florida are shaped by a variety of factors, including your age and driving history.
According to our data, 51% of Floridians believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options. Keep reading to discover what you can expect to pay for coverage, or enter your ZIP code above for free quotes from top insurers.
Cheapest liability coverage in FL
Travelers offered the cheapest liability coverage in Florida at $42/mo.
See more minimum coverage companies in FL ↓
Cheapest full coverage in FL
Travelers offers the cheapest full coverage in Florida at $165/mo.
See more full coverage companies in FL ↓
Best customer service in FL
GEICO / Allstate (Tie) both scored 660 (3.9% above average) in J.D. Power’s latest study — the highest in Florida.[3]
See more of the best companies in FL ↓
Cheap liability insurance in Florida
The average cost for liability insurance in Florida is $435 for a 6-month policy.[1] For our user profile, Travelers offers the most affordable liability insurance options in the state.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Florida, a full coverage insurance policy with a $500 deductible costs $1,798, considerably more than liability-only car insurance.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $249 | $42 |
| Mercury | $295 | $49 |
| Allied | $381 | $64 |
| GEICO | $382 | $64 |
| MetLife | $415 | $69 |
| State Farm | $418 | $70 |
| AIG | $452 | $75 |
| Security National Ins Co | $538 | $90 |
| Progressive | $550 | $92 |
| Allstate | $567 | $94 |
| United Automobile Ins Group | $697 | $116 |
Cheapest full coverage insurance in Florida
In 2026, the average cost of full coverage insurance in Florida is $1,798 for a six-month policy. Full coverage is a popular choice here, with 78% of The Zebra’s Florida customers opting for quotes that offer this more comprehensive protection.[2]
While this is substantially more than liability-only car insurance in Florida, The Zebra usually recommends adding comprehensive and collision coverage (aka, full coverage) insurance if your vehicle is worth $4,000+. This is because liability-only insurance does not adequately protect you against the costs of car accidents, thefts, vandalism, or weather incidents.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $989 | $165 |
| State Farm | $1,383 | $231 |
| Progressive | $1,771 | $295 |
| GEICO | $1,927 | $321 |
| Allstate | $2,295 | $383 |
Local insights
Drivers near you in Florida weigh in
“Progressive is who I used when I lived in Florida. The rep said my cost was some of the lowest he had seen in Florida and it was still 3x higher than my insurance cost in Indiana.”
– Reddit user r/Florida
“Just switched from Allstate to Progressive. Allstate was $187 and Progressive is $98 now. I drive said car like maybe 20 miles a month, it mostly hangs out in the garage.”
– Reddit user r/Florida
What are the best car insurance companies in Florida?
We’ve named both GEICO / Allstate (Tie) as Florida’s top car insurance providers. Our decision is based on a combination of consumer feedback and expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick.
Car insurance in popular Florida cities
Car insurance companies calculate your rate based on many factors, with the location of the vehicle being an important one. The cheapest car insurance is found in Gainesville, Florida and the most expensive in West Palm Beach, Florida.
Have a look at the table below to see average car insurance costs in some of Florida biggest cities.
Florida auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Florida. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Florida insurers after an at-fault accident.
The Zebra’s guide to Florida car insurance laws for high-risk drivers
For high-risk drivers in Florida with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Florida’s insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
How have car insurance costs in Florida changed?
Florida’s auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
