Best Car Insurance in Florida: Top Picks Under the Sun

Fortunately, getting car insurance in Florida doesn’t have to be a hassle, and premiums can be reasonably affordable if you choose the right provider. Some insurance providers offer a simple online quote process and multiple discounts to help keep costs down. 

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Best for Discounts: Geico

Best for Customer Service: State Farm

Best for Military Service Members: USAA

Lowest Premiums: Travelers

Best for Overall Value: Progressive

Best for Accident Forgiveness: Allstate

Best for Roadside Assistance: Liberty Mutual

Pros

Cons

Summary

Geico is an established insurer offering relatively inexpensive coverage and several discounts to policyholders. 

If getting a low-cost car insurance policy is important to you, Geico is worth a look. This insurer offers relatively low premiums and several discounts. Drivers can take advantage of discounts for having certain safety features in their car or maintaining a safe driving record. But there are also special discounts for those who work at certain companies and drivers older than 50.

While Geico offers pretty much every type of coverage a car owner might need, gap coverage is not available. If you want that coverage, you’ll need to get it elsewhere. Despite this, Geico is a good company overall, and it has an AM Best rating of A++ (Superior), which signals financial strength. 

Pros

Cons

Summary

With a large network of agents in Florida and high marks for customer satisfaction, State Farm makes it easy to get coverage and get help with your policy.

Drivers seeking an insurer with high customer satisfaction ratings may want to consider State Farm. On J.D. Power’s most recent U.S. Auto Insurance Study, this established provider was the top-ranked insurer in Florida for customer satisfaction. It also ranked well in other areas of the country.

In addition to receiving high marks from customers, State Farm has a convenient, time-saving online claim filing option, a large network of agents in Florida, and an AM Best rating of A++ (Superior). While State Farm has many positives, its monthly premiums are higher than some competitors, including Geico. 

Pros

Cons

Summary

For active-duty military, veterans, and their qualifying family members, USAA offers specialized auto insurance coverage and affordable prices.

USAA ranks highly in terms of its customer service, it has an A++ (Superior) AM Best rating, and its policies are pretty affordable. According to a recent survey, drivers who switched from other insurers to USAA saved $725 a year on average. This provider is available nationwide.

The one major drawback of USAA is that you need to be a member to get a policy. Membership is only available to active-duty military, veterans, and their qualifying family members. If you fall into one of those categories, it’s worth getting a quote from USAA due to its many perks.  

Pros

Cons

Summary

Travelers is an established insurance provider offering relatively low-cost coverage and other convenient perks.

Drivers seeking affordable coverage may want to put Travelers on their shortlist of companies to compare. This established insurer has an A++ AM Best rating and relatively low premiums compared to competitors. Drivers can also take advantage of several discounts, including unique ones like a homeowner’s discount and a hybrid/electric car discount. It also offers multiple options for claims filing, enabling policyholders to file claims by phone, online, or via the Travelers mobile app.

Though Travelers has some perks, it gets mixed customer satisfaction ratings and received below-average ratings on the most recent JD Power Auto Claims Satisfaction Study. Despite this, you may still want to put Travelers on the list if you’re comparing quotes.

Pros

Cons

Summary

Progressive offers easy claims filing, multiple ways to save, and other perks. 

We’ve all seen Flo on television talking about the array of discounts Progressive offers. Florida drivers can take advantage of over a dozen discounts, and this insurer also offers some unique tools that can help you save. For instance, its Name Your Price Tool lets you input your information and view a range of rates available to you through Progressive. This makes it convenient to compare premiums and coverage options.

There are a couple of drawbacks to be aware of. Progressive’s A+ (Excellent) AM Best rating is slightly lower than some other insurers on our list, but it’s still very high overall. And as with Travelers, it has below-average marks for customer satisfaction on the 2021 JD Power Auto Claims Satisfaction Study. 

Pros

Cons

Summary

Getting into an accident can make your car insurance premiums skyrocket, but Allstate’s Accident Forgiveness program could prevent this from happening.

While nobody wants to get into an accident and see their premiums increase, accidents happen. Fortunately, Florida drivers enrolled in Allstate’s Accident Forgiveness program won’t see their premiums go up. Your rate will stay the same as long as you signed up for the program when you got your policy. In addition to this unique perk.

Allstate also offers other ways to save, including safe driving and multiple policy discounts. The one drawback with this A+ AM Best-rated insurer is that its premiums tend to be higher than competitors offer. But if you want the peace of mind Accident Forgiveness provides, it’s probably worth a look.

Pros

Cons

Summary

Liberty Mutual’s reliable 24/7 roadside assistance coverage has your back if your car gets tired of the Florida heat. 

There’s only one thing worse than your car dying, and that’s waiting three hours for a tow truck in the Florida heat. Fortunately, Liberty Mutual is known for its 24/7 roadside assistance, so if you’re covered by one of its policies, your wait time should be minimal. Apart from its reliable roadside assistance, Liberty Mutual lets you customize your coverage and get a policy online, which is handy.

There are a couple of drawbacks to keep in mind. Liberty Mutual has an A (Excellent) AM Best rating, which is the lowest among the insurers on our list. That said, an A rating is still very good. This insurer also ranked below-average in customer satisfaction on J.D. Power’s recent Auto Claims Study. 

According to insurance marketplace QuoteWizard, the average monthly cost for minimum coverage in Florida is $219. For drivers with full coverage, the average monthly cost is $347. The cheapest premiums available were around $86 a month for minimum coverage and $144 for full coverage.

While the lower premiums that come with minimum coverage may be enticing, getting full coverage is the better option. Full coverage car insurance generally includes collision, comprehensive, and liability coverage. These coverages offer valuable financial protection if you’re involved in an accident. 

If you’re registering a car in Florida, you’ll need car insurance. Insurance providers generally offer some helpful ways to save on coverage. As you shop around for the best car insurance in Florida, look for the following discounts. 

As with everything, there are a host of variables that will affect the cost of your insurance. 

Your age will factor into the cost of your coverage. Younger drivers tend to pay higher premiums because they have less driving experience. While this is bad news if you’re a teen shopping for coverage, the good news is that monthly premium costs will decrease eventually if you maintain a good driving record.

While you might have an impeccable driving record, research from the Insurance Institute of Highway Safety shows that men are more likely to be involved in serious accidents than women. Because of this, men typically pay higher premiums. 

Insurance companies may view your credit score as part of their process if you're shopping for coverage. Your credit score can signal how financially responsible you are, and it can impact the cost of your car insurance. Those with a higher credit score may receive lower premiums. 

Where you live can also affect the cost of your coverage. You'll likely pay higher monthly car insurance premiums if you’re located in an area with high crime or vehicle theft rates. 

If you drive a luxury car, you’re probably going to pay luxury car insurance premiums. Expensive cars are often more costly to fix than your everyday sedan, and insurance companies are aware of this.

There are many types of car insurance coverage and add-ons that can impact how much you’ll pay for coverage. The types of coverage you want or need and the amount of coverage you choose will affect the cost of your premiums. 

You’ve got questions. The Drive has answers.

To choose the best companies and products for this list, I looked at a large number of financial products from various providers. I focused on cost, product features and options, ease of use, customer service, and past customer ratings as the most important factors in our ratings.