Best Florida Car Insurance Agents & Brokers (2024)
Finding affordable car insurance in florida: the essential guide navigate the world of car insurance in florida with ease and discover practical tips to secure affordable coverage. Company is your trusted resource for reliable insurance information. Learn about the factors that affect car insurance rates in florida, understand coverage options, and explore strategies to lower your premiums.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Sep 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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 insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Welcome to our essential guide about cheap car insurance in Florida. In this article, we provide valuable insights and tips to help you find affordable coverage without compromising on quality. We cover key topics such as factors that influence car insurance rates in Florida, coverage options, and strategies to lower premiums.
Our guide empowers you to make informed decisions and secure the best deals for your car insurance needs. Don’t overspend on car insurance—take control of your costs and protect your vehicle without breaking the bank.
Enter your ZIP code now to compare rates from the best insurance providers in your area. Find the coverage that suits your budget and drive with confidence knowing you have reliable insurance.
Which companies offer the cheapest car insurance in Florida?
If you need cheap car insurance in Florida, you don’t need to worry. There are plenty of car insurance companies offering cheap coverage with low monthly rates.
Read more: Florida Car Insurance Discounts
Some of the cheapest companies with the best auto insurance in Florida include:
- Geico
- USAA
- State Farm
- Allstate
- Progressive
- Farm Bureau
- Direct Auto
- Nationwide
- Travelers
- Erie
- MetLife
Read more: Erie Car Insurance Discounts
While some of these companies may appeal to you, it’s important that you do your research to determine which actually offers the best car insurance in Florida. You can look online to get quotes from different companies and then compare them to see which companies are truly the cheapest. Keep in mind that the type of policy you’re looking for, along with a number of other factors, will impact the cost of car insurance coverage.
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What factors impact car insurance rates in Florida?
You may find that rates vary drastically from one company to the next when you are looking at initial quotes for car insurance. This is because different companies assess and weigh factors differently.
Some of the most commonly-used factors when determining a person’s car insurance rates include:
- Your age
- The make and model of your car
- Your driving record
- Your annual mileage
- Your credit history
- Where you live
- Your gender
- The type of car insurance you want
Since you are only required to carry your state’s minimum to drive legally, your rates could be very cheap if you stick with your state’s minimum, which in Florida include:
- A minimum of $10,000 in PIP
- A minimum of $10,000 in PDL
- Bodily injury liability coverage of $125,000 per person, $250,000 per occurrence
- $50,000 for (PDL) coverage
If you are looking for more than the simple coverages listed above, you can expect your car insurance rates to be more expensive. With most car insurance companies in Florida, you can purchase liability, bodily injury, uninsured/underinsured protection, collision insurance, comprehensive insurance, and more. Each of these coverages that you add on will cost you when it comes to your monthly car insurance rates.
Are car insurance rates more expensive in Florida?
Insuring a car can feel expensive regardless of where you live. Take a look at the table below to see where Florida stands when it comes to annual state car insurance costs.
Read more: Rhode Island Car Insurance Discounts
Average Car Insurance Rates by State and Company
| State | Average by State | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Alabama | $3,566.96 | $3,311.52 | - | $4,185.80 | $2,866.60 | $4,005.48 | $2,662.66 | $4,450.52 | $4,798.15 | $3,697.80 | $2,124.09 |
| Alaska | $3,421.51 | $3,145.31 | $4,153.07 | - | $2,879.96 | $5,295.55 | - | $3,062.85 | $2,228.12 | - | $2,454.21 |
| Arizona | $3,770.97 | $4,904.10 | - | $5,000.08 | $2,264.71 | - | $3,496.08 | $3,577.50 | $4,756.25 | $3,084.74 | $3,084.29 |
| Arkansas | $4,124.98 | $5,150.03 | - | $4,257.87 | $3,484.63 | - | $3,861.79 | $5,312.09 | $2,789.03 | $5,973.33 | $2,171.06 |
| California | $3,688.93 | $4,532.96 | - | $4,998.78 | $2,885.65 | $3,034.42 | $4,653.19 | $2,849.67 | $4,202.28 | $3,349.54 | $2,693.87 |
| Colorado | $3,876.39 | $5,537.17 | $3,733.02 | $5,290.24 | $3,091.69 | $2,797.74 | $3,739.47 | $4,231.92 | $3,270.77 | - | $3,338.87 |
| Connecticut | $4,618.92 | $5,831.60 | - | - | $3,073.66 | $7,282.87 | $3,672.34 | $4,920.35 | $2,976.24 | $6,004.29 | $3,190.00 |
| Delaware | $5,986.32 | $6,316.06 | - | - | $3,727.29 | $18,360.02 | $4,330.21 | $4,181.83 | $4,466.85 | $4,182.36 | $2,325.98 |
| District of Columbia | $4,439.24 | $6,468.92 | - | - | $3,692.81 | - | $4,848.98 | $4,970.26 | $4,074.05 | - | $2,580.44 |
| Florida | $4,680.46 | $7,440.46 | - | - | $3,783.63 | $5,368.15 | $4,339.60 | $5,583.30 | $3,397.67 | - | $2,850.41 |
| Georgia | $4,966.83 | $4,210.70 | - | - | $2,977.20 | $10,053.44 | $6,484.90 | $4,499.22 | $3,384.88 | - | $3,157.46 |
| Hawaii | $2,555.64 | $2,173.49 | - | $4,763.82 | $3,358.86 | $3,189.55 | $2,551.83 | $2,177.93 | $1,040.28 | - | $1,189.35 |
| Idaho | $2,979.09 | $4,088.76 | $3,728.79 | $3,168.28 | $2,770.68 | $2,301.51 | $3,032.19 | - | $1,867.96 | $3,226.29 | $1,877.61 |
| Illinois | $3,305.48 | $5,204.41 | $3,815.31 | $4,605.20 | $2,779.16 | $2,277.65 | $2,711.81 | $3,536.65 | $2,344.88 | $2,499.76 | $2,770.21 |
| Indiana | $3,414.97 | $3,978.81 | $3,679.68 | $3,437.55 | $2,261.07 | $5,781.35 | - | $3,898.00 | $2,408.94 | $3,393.75 | $1,630.86 |
| Iowa | $2,981.28 | $2,965.86 | $3,021.81 | $2,435.72 | $2,296.16 | $4,415.28 | $2,735.44 | $2,395.50 | $2,224.51 | $5,429.38 | $1,852.57 |
| Kansas | $3,279.62 | $4,010.23 | $2,146.40 | $3,703.77 | $3,220.65 | $4,784.42 | $2,475.59 | $4,144.38 | $2,720.00 | $4,341.43 | $2,382.61 |
| Kentucky | $5,195.40 | $7,143.92 | - | - | $4,633.59 | $5,930.97 | $5,503.23 | $5,547.63 | $3,354.32 | $6,551.68 | $2,897.89 |
| Louisiana | $5,711.34 | $5,998.79 | - | - | $6,154.60 | - | - | $7,471.10 | $4,579.12 | - | $4,353.12 |
| Maine | $2,953.28 | $3,675.59 | - | $2,770.15 | $2,823.05 | $4,331.39 | - | $3,643.59 | $2,198.68 | $2,252.97 | $1,930.79 |
| Maryland | $4,582.70 | $5,233.17 | - | - | $3,832.63 | $9,297.55 | $2,915.69 | $4,094.86 | $3,960.87 | - | $2,744.14 |
| Massachusetts | $2,678.85 | $2,708.53 | - | - | $1,510.17 | $4,339.35 | - | $3,835.11 | $1,361.86 | $3,537.94 | $1,458.99 |
| Median | $3,660.89 | $4,532.96 | $3,698.77 | $3,907.99 | $3,073.66 | $5,295.55 | $3,187.20 | $3,935.36 | $2,731.48 | $3,729.32 | $2,489.49 |
| Michigan | $10,498.64 | $22,902.59 | - | $8,503.60 | $6,430.11 | $20,000.04 | $6,327.38 | $5,364.55 | $12,565.52 | $8,773.97 | $3,620.00 |
| Minnesota | $4,403.25 | $4,532.01 | $3,521.29 | $3,137.45 | $3,498.54 | $13,563.61 | $2,926.49 | - | $2,066.99 | - | $2,861.60 |
| Mississippi | $3,664.57 | $4,942.11 | - | - | $4,087.21 | $4,455.94 | $2,756.53 | $4,308.85 | $2,980.48 | $3,729.32 | $2,056.13 |
| Missouri | $3,328.93 | $4,096.15 | $3,286.90 | $4,312.19 | $2,885.33 | $4,518.67 | $2,265.35 | $3,419.14 | $2,692.91 | - | $2,525.78 |
| Montana | $3,220.84 | $4,672.10 | - | $3,907.55 | $3,602.35 | $1,326.11 | $3,478.26 | $4,330.76 | $2,417.74 | - | $2,031.89 |
| Nebraska | $3,283.68 | $3,198.83 | $2,215.13 | $3,997.29 | $3,837.49 | $6,241.52 | $2,603.94 | $3,758.01 | $2,438.71 | - | $2,330.78 |
| Nevada | $4,861.70 | $5,371.62 | $5,441.18 | $5,595.56 | $3,662.09 | $6,201.55 | $3,477.14 | $4,062.57 | $5,796.34 | $5,360.41 | $3,069.07 |
| New Hampshire | $3,151.77 | $2,725.01 | - | - | $1,615.02 | $8,444.41 | $2,491.10 | $2,694.45 | $2,185.46 | - | $1,906.96 |
| New Jersey | $5,515.21 | $5,713.58 | - | $7,617.00 | $2,754.94 | $6,766.62 | - | $3,972.72 | $7,527.16 | $4,254.49 | - |
| New Mexico | $3,463.64 | $4,200.65 | - | $4,315.53 | $4,458.30 | - | $3,514.38 | $3,119.18 | $2,340.66 | - | $2,296.77 |
| New York | $4,289.88 | $4,740.97 | - | - | $2,428.24 | $6,540.73 | $4,012.93 | $3,771.15 | $4,484.58 | $4,578.79 | $3,761.69 |
| North Carolina | $3,393.11 | $7,190.43 | - | - | $2,936.69 | $2,182.71 | $2,848.03 | $2,382.61 | $3,078.65 | $3,132.66 | - |
| North Dakota | $4,165.84 | $4,669.31 | $3,812.40 | $3,092.49 | $2,668.24 | $12,852.83 | $2,560.35 | $3,623.06 | $2,560.53 | - | $2,006.80 |
| Ohio | $2,709.71 | $3,197.22 | $1,515.17 | $3,423.01 | $1,867.19 | $4,429.74 | $3,300.89 | $3,436.96 | $2,507.88 | $3,135.16 | $1,478.46 |
| Oklahoma | $4,142.33 | $3,718.62 | - | $4,142.40 | $3,437.34 | $6,874.62 | - | $4,832.35 | $2,816.80 | - | $3,174.15 |
| Oregon | $3,467.77 | $4,765.95 | $3,527.28 | $3,753.52 | $3,220.12 | $4,334.55 | $3,176.83 | $3,629.13 | $2,731.48 | $2,892.19 | $2,587.15 |
| Pennsylvania | $4,034.50 | $3,984.12 | - | - | $2,605.22 | $6,055.20 | $2,800.37 | $4,451.00 | $2,744.23 | $7,842.47 | $1,793.37 |
| Rhode Island | $5,003.36 | $4,959.45 | - | - | $5,602.63 | $6,184.12 | $4,409.63 | $5,231.09 | $2,406.51 | $6,909.45 | $4,323.98 |
| South Carolina | $3,781.14 | $3,903.43 | - | $4,691.85 | $3,178.01 | - | $3,625.49 | $4,573.08 | $3,071.34 | - | $3,424.77 |
| South Dakota | $3,982.27 | $4,723.72 | $4,047.47 | $3,768.80 | $2,940.29 | $7,515.99 | $2,737.66 | $3,752.81 | $2,306.23 | - | - |
| Tennessee | $3,660.89 | $4,828.85 | - | $3,430.07 | $3,283.42 | $6,206.69 | $3,424.96 | $3,656.91 | $2,639.30 | $2,738.52 | $2,739.28 |
| Texas | $4,043.28 | $5,485.44 | $4,848.72 | - | $3,263.28 | - | $3,867.55 | $4,664.69 | $2,879.94 | - | $2,487.89 |
| Utah | $3,611.89 | $3,566.42 | $3,698.77 | $3,907.99 | $2,965.57 | $4,327.76 | $2,986.57 | $3,830.10 | $4,645.83 | - | $2,491.10 |
| Vermont | $3,234.13 | $3,190.38 | - | - | $2,195.71 | $3,621.08 | $2,128.21 | $5,217.14 | $4,382.84 | - | $1,903.55 |
| Virginia | $2,357.87 | $3,386.80 | - | - | $2,061.53 | - | $2,073.00 | $2,498.58 | $2,268.95 | - | $1,858.38 |
| Washington | $3,059.32 | $3,540.52 | $3,713.02 | $2,962.00 | $2,568.65 | $3,994.73 | $2,129.84 | $3,209.52 | $2,499.78 | - | $2,262.16 |
| West Virginia | $2,595.36 | $3,820.68 | - | - | $2,120.80 | $2,924.39 | - | - | $2,126.32 | - | $1,984.62 |
| Wisconsin | $3,606.06 | $4,854.41 | $1,513.27 | $3,777.49 | $3,926.20 | $6,758.85 | $5,224.99 | $3,128.91 | $2,387.53 | - | $2,975.74 |
| Wyoming | $3,200.08 | $4,373.93 | - | $3,069.35 | $3,496.56 | $1,989.36 | $3,187.20 | $4,401.17 | $2,303.55 | - | $2,779.53 |
Read more: Delaware Car Insurance Discounts
Car insurance coverage in Florida can definitely be higher than it is in other states, but it’s important to keep in mind that you can shop around for coverage to try and find something cheaper. The table above shows what a big difference exists between car insurance rates from one company to the next in the same state.
Read more: Maryland Car Insurance Discounts
How can I get cheaper car insurance in Florida?
One of the best ways to get cheaper car insurance is to ask companies about certain discounts they might offer. Some car insurance companies offer a variety of discounts to their policyholders, including:
- Multi-policy
- Multi-car
- Vehicle safety
- New vehicle
- Anti-theft devices
- Good driver
- Defensive driver
- Good student
- Paid-in-full
- Paperless
- Occupational
Read more: New Vehicle Car Insurance Discount
Speak to a company representative to ask about certain discounts you may qualify for. These discounts may impact your car insurance rates more than you expect.
Another way to save money on your car insurance coverage is to compare car insurance quotes from top companies online. When you compare rates, you can choose which coverage will ultimately work best for you. In fact, you can use our free quote tool below to find and compare cheap car insurance rates in Florida today.
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Frequently Asked Questions
Which companies offer the cheapest car insurance in Florida?
Some of the cheapest car insurance providers in Florida include USAA, GEICO, and State Farm, among others.
What factors impact car insurance rates in Florida?
Some of the most common factors that affect car insurance rates in Florida include age, driving record, credit score, location, type of car, and coverage level.
Are car insurance rates more expensive in Florida?
Car insurance rates in Florida can be higher compared to other states, but shopping around and comparing rates can help you find cheaper options.
How can I get cheaper car insurance in Florida?
You can try to get cheaper car insurance in Florida by asking about discounts from car insurance providers or comparing quotes from different providers online.
What are some common car insurance discounts available in Florida?
Some common car insurance discounts in Florida include safe driver discounts, good student discounts, multi-car discounts, and bundling discounts.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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 insurance related. We update our site regularly, and all content is reviewed by insurance experts.