10 Best Auto Insurance Companies in Florida for 2025 (Top FL Providers)
Auto-Owners, State Farm, and AAA are the best auto insurance companies in Florida, with rates starting at $40 a month. Florida is a no-fault state requiring $10,000 in personal injury protection and property damage liability, but State Farm offers cheap car insurance in Florida for drivers who need more coverage.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshir...
Licensed Insurance Agent
UPDATED: Jul 15, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jul 15, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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3,027 reviewsThe best auto insurance companies in Florida are Auto-Owners, State Farm, and AAA. Auto-Owners offers A++ financial strength and a high claims satisfaction score of 654.
Our Top 10 Picks: Best Auto Insurance Companies in Florida| Company | Rank | Claims Satisfaction | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 654 / 1,000 | A++ | Financial Stability | Auto-Owners |
 | #2 | 650 / 1,000 | A++ | Customer Service | State Farm |
 | #3 | 645 / 1,000 | A | Roadside Assistance | AAA |
 | #4 | 643 / 1,000 | A+ | Rideshare Drivers | Allstate |
 | #5 | 634 / 1,000 | A+ | Senior Benefits | The Hartford |
 | #6 | 629 / 1,000 | A++ | Low Premiums | Geico |
 | #7 | 616 / 1,000 | A | Personalized Policies | Farmers |
 | #8 | 608 / 1,000 | A++ | Industry Experience | Travelers |
 | #9 | 587 / 1,000 | A+ | Budget Shopping | Progressive |
 | #10 | 580 / 1,000 | A | Accident Forgiveness | Liberty Mutual |
State Farm excels in customer service, accident forgiveness, and multiple discount opportunities for safe driving and bundling.
AAA is known for its trusted name in roadside assistance and strong policy benefits for members, making it a solid choice for Florida drivers who already have memberships.
- Auto-Owners offers the best Florida insurance plans with high claims satisfaction
- Geico has the cheapest car insurance in Florida at $40 a month
- Florida no-fault laws require $10,000 in PDL and $10,000 in PIP
This guide breaks down Florida insurance rates, discounts, and coverage requirements to help drivers buy auto insurance with confidence. Get fast and cheap FL auto insurance coverage today with our quote comparison tool.
Auto Insurance Rates in Florida
When comparing Florida auto insurance companies by coverage type, Geico offers the cheapest car insurance in Florida, starting at just $40 and $119 per month, respectively.
Florida Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $65 | $122 |
| $82 | $245 |
| $43 | $134 |
| $102 | $304 |
| $40 | $119 |
| $72 | $216 |
| $69 | $205 |
| $44 | $132 |
| $63 | $168 |
| $75 | $223 |
Auto-Owners follows closely, with a minimum coverage at $43 per month and a full coverage at $134 monthly, making it a top value pick.
State Farm also remains competitive, with minimum coverage for $44 a month and full coverage at $132 a monthly. On the higher end, Farmers has the most expensive full coverage option at $304 per month, while Allstate’s full coverage costs $245 a month.
Florida Auto Insurance Rates for High-Risk Drivers
Insurance rates in Florida vary significantly based on your driving record, with even a single infraction leading to steep increases. Farmers tops the list with DUI rates surging to $142 per month.
Florida Auto Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $65 | $78 | $81 | $71 |
| $82 | $109 | $103 | $90 |
| $43 | $55 | $62 | $50 |
| $102 | $145 | $142 | $127 |
| $40 | $55 | $87 | $70 |
| $72 | $88 | $127 | $94 |
| $69 | $125 | $94 | $106 |
| $44 | $51 | $48 | $48 |
| $63 | $95 | $110 | $78 |
| $75 | $105 | $155 | $102 |
On the other hand, State Farm maintains the most stable pricing, with just a $4 increase from a clean record to a DUI. Auto-Owners and Geico also offer budget-friendly options after an accident, making them ideal choices for Florida drivers with blemished records.
Young drivers in Florida face the steepest insurance costs, with 16-year-old males paying the highest rate, followed closely by 16-year-old females. Rates significantly drop by age 30, with premiums stabilizing near $88–$89 and remaining steady through ages 45 and 60.
To choose the right coverage in Florida, consider your car’s value, driving habits, and ability to cover costs beyond the state’s minimums.
Scott W. Johnson Licensed Insurance Agent
Notably, 60-year-old females pay the lowest average rate at $85 per month, making older adults the most affordable demographic for auto insurance in Florida.
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Auto Insurance Requirements in Florida
Florida follows a no-fault insurance system, which means all drivers must carry personal coverage for their own injuries regardless of who causes an accident. To drive legally, Florida motorists are required to maintain the following minimum coverages:
Florida Minimum Auto Insurance Coverage Requirements
| Coverage | Limits |
|---|---|
| Property Damage Liability | $10,000 per accident |
| Personal Injury Protection (PIP) | $10,000 per person |
These basic limits offer minimal protection and may not cover costs in a serious accident. That’s why many Florida drivers opt to include additional coverages for more complete protection (Read More: Personal Injury Protection (PIP)).
As a no-fault state, Florida requires drivers to use their own insurance for injuries, but this system often leaves gaps, especially for vehicle damage and serious injuries. Choosing the best full coverage car insurance in Florida helps fill those gaps and ensures broader financial protection after an accident.
Optional Add-On Coverages in Florida
To better protect themselves financially, Florida drivers commonly add the following coverages to their auto insurance policies:
- Bodily Injury Liability (BIL): Covers injuries you cause to others in an accident; not required in Florida unless you have certain violations, but strongly recommended for added financial protection.
- Comprehensive Coverage: Pays for non-collision damage from events like hurricanes, floods, theft, or vandalism, which is recommended due to Florida’s weather risks.
- Collision Coverage: Collision auto insurance covers repair or replacement of your vehicle after an at-fault accident, essential for newer cars or high-traffic areas in Florida.
- Uninsured/Underinsured Motorist Coverage: Helps pay your medical expenses if you’re hit by a driver with no or too little insurance—important in Florida, where many drivers are underinsured.
- Medical Payments Coverage (MedPay): Offers extra help beyond PIP for medical bills, co-pays, and deductibles common in Florida’s healthcare system.
Although Florida’s minimum coverage keeps you legally compliant, adding these optional protections can shield you from major financial loss in a state known for traffic congestion, extreme weather, and high accident rates.
Florida Auto Insurance Risk Factors
Florida’s auto insurance costs are shaped by moderate theft rates, high traffic congestion, and slightly above-average claim sizes. Despite its storm reputation, the state sees relatively low year-round weather-related risks, helping to balance premium costs.
Florida Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risks | A | Low weather impact |
| Average Claim Size | B+ | Slightly above average claims |
| Vehicle Theft Rate | B | Moderate theft rates |
| Traffic Density | C | High traffic congestion |
Urban traffic plays a major role in Florida’s insurance rates, and cities like Tampa and Miami lead in accident and claim volume. High traffic density in these areas drives up local premiums and reflects the greater risk faced by urban drivers.
Florida Annual Traffic Accidents & Claims by Major City
| City | Annual Accidents | Annual Claims |
|---|---|---|
| Fort Lauderdale | 40,200 | 28,000 |
| Jacksonville | 34,000 | 24,000 |
| Miami | 63,800 | 45,000 |
| Orlando | 43,700 | 31,000 |
| Tampa | 80,000 | 56,000 |
The majority of Florida auto insurance claims stem from rear-end collisions, which account for 30% of all claims at an average cost of $3,500 (Learn More: The Worst States for Filing an Auto Insurance Claim).
5 Most Common Auto Insurance Claims in Florida
| Rank | Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|---|
| #1 | Rear-End Collisions | 30% | $3,500 |
| #2 | Intersection Accidents | 25% | $4,000 |
| #3 | Windshield Damage | 20% | $1,000 |
| #4 | Damage to Parked Vehicles | 15% | $2,500 |
| #5 | Vandalism | 10% | $2,000 |
Frequent windshield damage and parked car incidents further highlight the everyday risks drivers face statewide.
Ways to Save on Florida Auto Insurance
Florida drivers can unlock major savings by choosing insurers with generous discount programs. Liberty Mutual offers the biggest anti-theft discount at 35%, while Geico, Progressive, and Auto-Owners lead with 30% off for low mileage, ideal for retirees or remote workers in Florida.
Top Auto Insurance Discounts in Florida| Company | Anti- Theft | Bundling | Claims Free | Good Driver | Low Mileage |
|---|---|---|---|---|---|
| 8% | 15% | 20% | 30% | 10% |
| 10% | 25% | 10% | 25% | 30% |
| 12% | 16% | 10% | 25% | 30% |
| 10% | 20% | 9% | 30% | 10% |
| 25% | 25% | 12% | 26% | 30% |
| 35% | 25% | 8% | 20% | 30% |
| 25% | 10% | 10% | 30% | 30% |
| 15% | 17% | 11% | 25% | 30% |
| 10% | 5% | 12% | 15% | 10% |
| 15% | 13% | 13% | 10% | 20% |
For safe drivers, AAA and Progressive reward good driving habits with up to 30% discounts, while Allstate and Geico provide strong bundling options at 25%. These are car insurance discounts you can’t miss to make it easier for Florida policyholders to lower premiums without sacrificing coverage.
In Florida’s high-cost insurance market, finding ways to save goes beyond stacking discounts. One effective strategy is to drop collision or comprehensive coverage on older vehicles that may not be worth the extra cost.
Raising your deductible is another smart move. Opting for a $1,000 deductible instead of $500 can noticeably lower your monthly premium. Lastly, maintaining a clean driving record is one of the most reliable ways to keep rates low, especially in a no-fault state like Florida, where claims frequency tends to drive up costs.
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10 Best Florida Auto Insurance Companies
Auto-Owners, State Farm, and AAA are the top three companies offering the best auto insurance in Florida. However, all ten Florida providers bring unique strengths, from low rates to specialized coverage options. Compare them below to find the right Florida auto insurance company for your needs.
#1 – Auto-Owners: Top Overall Pick
Pros
- Strong Claims Satisfaction: Florida customers benefit from a high claims satisfaction score of 654/1,000, indicating consistent and reliable claims handling.
- Superior Financial Strength: Auto-Owners holds an A++ A.M. Best rating, making it one of the most financially secure insurers in Florida. See full details in our Auto-Owners review.
- Affordable Rates: With minimum coverage starting at just $43 a month, Auto-Owners offers some of the most competitive pricing for Florida drivers.
Cons
- Limited Online Tools: Auto-Owners’ digital experience is less advanced compared to other Florida providers, which can be a drawback for tech-savvy drivers.
- Fewer Discounts Available: Florida drivers may find fewer discount opportunities than larger national competitors, especially for usage-based savings.
#2 – State Farm: Best for Customer Service
Pros
- Excellent Customer Service: State Farm consistently receives strong customer service feedback across Florida markets. Discover what FL drivers are saying in the State Farm auto insurance review.
- Balanced Value: State Farm offers Florida drivers minimum coverage for just $44 a month, ideal for budget-conscious drivers.
- Generous Safe Driving Discounts: Florida drivers can save significantly through State Farm’s Drive Safe & Save program.
Cons
- Limited Coverage Customization: Some Florida drivers may find State Farm’s policy customization options less flexible than smaller insurers.
- Average Claims Experience: With a score of 650/1,000, State Farm’s claims satisfaction is solid but not the highest in Florida.
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#3 – AAA: Best for Roadside Assistance
Pros
- Top Roadside Support: AAA is known for its unmatched roadside assistance benefits, which are especially valuable for Florida drivers.
- Comprehensive Policy Bundling: Florida customers can bundle auto with home and membership perks for added savings. Get full policy details from our AAA auto insurance review.
- Strong Claims Score: AAA earns a claims satisfaction score of 645/1,000 in FL, making it a dependable choice for coverage and service.
Cons
- Membership Required: AAA requires a paid membership to access its auto insurance in Florida, which adds an extra cost.
- Higher Minimum Rates: AAA’s pricing is higher than several competitors, starting at $65 a month for minimum coverage in Florida.
#4 – Allstate: Best for Rideshare Drivers
Pros
- Excellent for Rideshare: Allstate’s Ride for Hire coverage is ideal for Uber and Lyft drivers navigating Florida’s cities. Explore policy benefits and savings in the Allstate auto insurance review.
- Safe Driving Bonus Options: Florida drivers may benefit from Allstate’s Safe Driving Bonus and accident forgiveness features.
- Local Agent Access: Allstate provides strong in-person support for FL customers through a wide network of agents.
Cons
- Higher Starting Rates: Florida minimum coverage starts at $82 a month, which is on the higher end for budget-focused drivers.
- Below-Average Claims Score: With a 643/1,000 satisfaction rating, Allstate trails behind top competitors in FL for claims handling.
#5 – The Hartford: Best for Senior Benefits
Pros
- Senior-Focused: The Hartford offers some of the best car insurance in Florida for seniors, with exclusive AARP perks like lifetime policy renewability, new car replacement, and priority claims support.
- Solid Financial Strength: With an A+ rating from A.M. Best, The Hartford ensures stable backing for Florida policies.
- Competitive Full Coverage: Florida drivers can get full coverage from The Hartford starting at $168 a month. Explore success stories from people who got auto insurance right for more ways to save.
Cons
- Limited to AARP Members: Most benefits are only available to Florida AARP members, which restricts eligibility.
- Weak Bundling Discount: The Hartford only offers a 5% bundling discount in Florida, far less than most competitors.
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#6 – Geico: Best for Low-Premiums
Pros
- Lowest Minimum Coverage: Geico leads Florida with rates starting at just $40 a month for minimum liability policies. Learn everything you need to know about Geico.
- Excellent Digital Experience: Geico’s mobile app and online services are top-tier, giving FL drivers 24/7 access to their policy.
- Aggressive Discount Opportunities: Florida drivers can save up to 30% through Geico’s good driver and low mileage discounts.
Cons
- Mixed Customer Service Ratings: Some Florida policyholders report inconsistent support from customer service agents.
- Less Personalized Attention: Geico’s direct-to-consumer model may not suit FL drivers seeking local agent guidance.
#7 – Farmers: Best for Personalized Policies
Pros
- Highly Personalized Policies: Farmers provides tailored coverage for Florida drivers, including home-auto bundling and specialty vehicle options.
- Rideshare and Custom Parts Coverage: Florida drivers can add rideshare or custom equipment protection to their minimum or full policies.
- Extensive Agent Network: Farmers offers dedicated agent support throughout Florida communities. Find everything you need to know about Farmers Insurance in one place.
Cons
- Expensive Minimum Coverage: Farmers has one of the highest base rates for Florida minimum coverage, starting at $102 a month.
- Moderate Claims Score: With a 616/1,000 rating, Farmers performs below the top tier in Florida for claims satisfaction.
#8 – Travelers: Best for Industry Experience
Pros
- Over 160 Years in Insurance: Florida drivers benefit from Travelers’ extensive experience and reliability in the industry.
- Strong Financial Stability: With an A++ rating, Travelers is one of the most financially secure options in Florida. Browse more ratings in our expert Travelers auto insurance review.
- Flexible Coverage Options: Travelers offers comprehensive endorsements in Florida, including accident forgiveness and gap coverage.
Cons
- Above-Average Rates: Minimum coverage starts at $75 a month in Florida, which is higher than many competitors.
- Fewer Local Agents: Florida drivers may experience limited access to in-person assistance compared to agent-based companies.
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#9 – Progressive: Best for Budget Shopping
Pros
- Great for Budget Shoppers: Progressive provides customizable and affordable policies starting at $69 a month for minimum coverage in Florida.
- Robust Telematics Program: Florida drivers can earn big discounts with Snapshot, Progressive’s usage-based insurance tool. Read everything you need to know about Progressive Insurance.
- Multiple Discount Stacking: FL customers can combine bundling, multi-car, and online quote discounts for added savings.
Cons
- Claims Score Below Competitors: Progressive earns just 587/1,000 in claims satisfaction among Florida drivers.
- Premium Spikes for Accidents: Florida drivers may see steep rate increases after a single claim.
#10 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Liberty Mutual’s accident forgiveness can help prevent rate hikes after your first at-fault crash in FL.
- Broad Discount List: Florida drivers may access up to 35% off for anti-theft devices, safe driving, and low mileage. Checkout our guide about Liberty Mutual auto insurance review.
- Custom Add-On Coverages: Liberty Mutual offers unique options for FL drivers, including deductible funds and new car replacement.
Cons
- Moderate Claims Score: With a 580/1,000 rating, Liberty Mutual ranks lowest among Florida’s top 10 in satisfaction.
- Minimum Coverage is Pricey: Liberty Mutual’s entry-level rate is $72 a month—above many rivals for minimum coverage in Florida.
Securing the Best Auto Insurance in Florida
Getting the right auto insurance in Florida is crucial due to the state’s no-fault system, high accident rates, and dense urban traffic.
Compare quotes from at least three insurers, use Florida discounts like low mileage and safe driving, and bundle policies to save more.
Michelle Robbins Licensed Insurance Agent
With only $10,000 in required personal injury protection (PIP) and property damage liability, many drivers choose to add more coverage to stay protected (Read More: Liability Auto Insurance). Top companies like Auto-Owners and State Farm offer affordable rates and financial reliability, while AAA provides excellent customer service and roadside assistance to its members in Florida.
Comparing Florida auto insurance quotes and customizing coverage ensures local drivers get the protection they need at a price that fits their budget. Start saving on car insurance today by entering your ZIP code.
Frequently Asked Questions
Which is the best car insurance company in Florida?
Which company is best for car insurance? Auto-Owners ranks as the best car insurance company in Florida thanks to its A++ financial strength rating, high claims satisfaction, and low rates of $43 per month for minimum coverage. It consistently performs well for both customer service and affordability.
What is the most used insurance company in Florida?
State Farm is one of the most widely used insurance companies in Florida, known for its large market share, local agent network, and low-cost coverage. State Farm insurance starts at $44 per month for minimum liability and $132 per month for full coverage.
What is the ideal car insurance coverage in Florida?
The ideal coverage in Florida includes more than the state minimum of $10,000 PIP and $10,000 property damage liability. Most experts recommend adding bodily injury liability, uninsured motorist coverage, and collision and comprehensive auto insurance for full protection.
Who is the largest auto insurer in Florida?
State Farm is the largest auto insurer in Florida by market share, offering wide availability, strong financial backing, and consistently affordable pricing across different driver profiles.
Who is the highest-rated auto insurance company in Florida?
Auto-Owners is the highest-rated auto insurance company in Florida with an A++ financial rating from A.M. Best and a 654/1,000 claims satisfaction score, beating many local and national competitors.
What is the best auto insurance company in Florida for seniors?
The Hartford has the cheapest auto insurance for seniors in Florida, with additional perks exclusive to drivers with AARP memberships.
What is the most cost-effective car insurance in Florida?
What is the most reasonable auto insurance in Florida? Geico offers the most reasonable minimum coverage in Florida at just $40 per month, followed closely by Auto-Owners at $43 per month and State Farm at $44 per month. Enter your ZIP code to find the cheapest car insurance company near you.
How much should I pay for car insurance in Florida?
Florida drivers typically pay $40–$75 per month for minimum coverage and $119–$245 per month for full coverage, depending on the insurer, driving record, and location. Discover ways to pay less for car insurance.
Why is Florida car insurance so expensive?
Florida’s high insurance costs are driven by its no-fault system, dense urban traffic, frequent accidents, uninsured drivers, and seasonal weather risks like hurricanes, which lead to higher claims. Try these hacks to save money on car insurance in Florida.
What insurance companies don’t insure in Florida?
Some smaller or regional carriers may not operate in Florida due to high risk and regulatory challenges. Additionally, certain national providers, like State Farm, may restrict new policies in hurricane-prone areas or ZIP codes.
How do I know if an insurance company is good?
Check an insurer’s A.M. Best rating, customer reviews, and claims satisfaction scores. In Florida, companies like Auto-Owners, State Farm, and AAA consistently rate well in all categories.
Is Geico or Progressive better in Florida?
“Better” depends on your needs. Geico is better for low rates, while Progressive is the stronger pick for usage-based car insurance. Compare the companies further in our guide to usage-based insurance.
How do I choose the best car insurance company in Florida?
Start by comparing coverage options, monthly rates, discounts, and claims reviews. Use Florida-specific data and ensure the insurer has strong financial ratings and high satisfaction among local drivers. Enter your ZIP code to compare local companies today.
Enter your zip code below to view companies that have cheap insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshir...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
