7 Best Car Insurance Companies in Florida

Money looked at well-known businesses that provide reasonable coverage, incentives, and other features to help you save while determining the best car insurers in Florida.

Florida law mandates that drivers carry a minimum of $10,000 in PIP/PDL auto liability insurance; however, our list includes reasonably priced solutions that go above these thresholds.

Average rates for lower- and higher-risk drivers in Florida
CompanyLower-risk driver rateHigher-risk driver rateCompany review
Allstate$2,129$4,441Read full review
Amica Mutual$1,278$5,511Read full review
Farmers$1,630$10,190Read full review
Geico$1,465$3,271Read full review
Liberty Mutual$1,147$5,604Read full review
Progressive$775$2,967Read full review
State Farm$512$2,929Read full review

Car Insurance can help you and your vehicle to be protected.
You can determine how much you can save on your auto insurance by requesting a free quotation. To start, select your state.

The best Florida car insurers reviewed (alphabetically)

According to J.D. Power’s 2020 U.S. Car Insurance Satisfaction Survey, Allstate is the best auto insurance company in Florida for overall customer satisfaction.

With Allstate, lower-risk drivers typically pay $1,485 for the bare minimum of coverage and $2,359 for full coverage. Higher-risk drivers might pay between $3,452 and $4,884 in the meantime.

Allstate offers special incentives for safe driving even if its premiums for drivers with higher risks may appear excessive. For every six months you go without an accident, for instance, you are entitled to a “safe driving bonus” check, and even high-risk drivers can be eligible for accident forgiveness.

Coverage includes
Property Damage Liability$50,000 per accident
Uninsured/ Underinsured Motorist$100,000 per person, $300,000 per accident
Collision (full cash value)$1,000 deductible
Comprehensive (full cash value)$1,000 deductible
Bodily Injury Liability$100,000 per person, $30,000 per accident
Additional coverage
Personal Injury Protection$10,000 (basic)
Death Indemnity$10,000

Additional coverage

  • Some additional coverage options from Allstate include:
  • Accident forgiveness
  • Medical payments
  • Sound system insurance
  • Roadside assistance
  • Personal umbrella policy
  • Rental reimbursement
  • Ride for Hire insurance (for Rideshare drivers)

Resources and ways to save

  • Discounts: Safety equipment, teen driving, bundling policies, new car, safe driving and payment discounts.
  • Drivewise App: Get a discount on your car insurance rate for save driving.
  • Milewise App: Get a lower premium based on how much and how well you drive.

While Amica Mutual isn’t featured in J.D. Power’s 2020 U.S. Car Insurance Satisfaction Study for the state of Florida, the company has ranked as the top car insurer in New England for eight consecutive years.

Low-risk drivers can expect to pay between $1,092 for minimum coverage and $1,440 for maximum coverage with Amica. Meanwhile, higher-risk drivers could expect to pay between $4,827 and $6,036.

While these premiums aren’t among the highest on our list, higher-risk drivers should keep in mind that Amica Mutual’s basic coverage option surpasses the state minimum liability requirement and includes rental reimbursement. Additionally, Amica’s Advantage Points program lets drivers earn points that they can use to lower their deductibles.

Coverage includes
Property Damage Liability$50,000 per accident
Uninsured/ Underinsured Motorist$100,000 per person, $300,000 per accident
Collision$1,000 deductible
Comprehensive$1,000 deductible
Bodily Injury Liability$100,000 per person, $300,000 per accident
Additional coverage
Personal Injury Protection$10,000
Rental Reimbursement$20/ $600

Additional coverage

Other Amica Mutual coverage options include:

  • Medical payments
  • Auto/loan lease coverage
  • Credit monitoring
  • Roadside assistance
  • Uninsured motorist property damage
  • Full glass coverage

Resources and ways to save

  • Accident Forgiveness/ Good Driving Rewards: Earn advantage points to reduce or eliminate your deductible. Waive the auto accident surcharge.
  • Discounts: Teen driver, bundling policies, loyalty, safe driving and payment discounts.
  • Amica Mutual Car Connect: Get quotes for car models you’re looking to purchase.
  • Amica Mutual Contractor Connect: Access to Amica’s network of home remodeling contractors.

Farmers Florida car insurance

Farmers wasn’t included in J.D. Power’s 2020 U.S. Car Insurance Satisfaction Study for Florida, yet the insurer was featured in most other states scoring just below the regional average for overall customer satisfaction.

Low-risk drivers in the state of Florida can expect to pay between $1,001 for minimum coverage and $1,657 for maximum coverage with Farmers. On the other hand, high-risk drivers could pay between $10,276 and $10,819, respectively.

Although Farmers offers perks like rental reimbursement, it charges some of the highest premiums out of all the companies on our list, both for high- and low-risk drivers. To help customers reduce their premiums, Farmers offers multiple discounts such as a Senior Driver discount for people over 55 as well as discounts for teachers, nurses and other healthcare workers.

Coverage includes
Property Damage Liability$50,000 per accident
Uninsured/ Underinsured Motorist$100,000 per person, $300,000 per accident
Collision$1,000 deductible
Comprehensive$1,000 deductible
Bodily Injury Liability$100,000 per person, $300,000 per accident
Additional coverage
Personal Injury Protection$10,000 (basic)
Medical Expense Coverage$500 per person (for lower-risk drivers)

Additional coverage

Other coverage options from Farmers are:

  • Medical payments
  • Towing and roadside service
  • Rental car reimbursement (30 days)
  • Rideshare insurance
  • Loss of Use
  • Customized equipment
  • Personal umbrella
  • Glass deductible buyback ($100 deductible)
  • Full windshield and glass coverage
  • Original equipment manufacturer
  • New car replacement
  • Accident forgiveness

Resources and ways to save

  • Discounts: For insuring multiple vehicles, sharing a family vehicle, bundling policies, being a good student or a student away from home, taking a defensive driving course, owning a vehicle that uses alternative fuel, driving safely and having vehicle safety features.
  • Classic & Collector Car Insurance: You can add roadside assistance, up to $750 in spare parts coverage, and full windshield and safety glass coverage to your policy.
  • Accident Forgiveness: Accident forgiveness is available at an additional cost and applies to one car accident every three years.
  • Signal App: Save up to 15% on premiums for good driving behavior.

Geico Florida car insurance

Geico received an above-average rating in J.D. Power’s 2020 U.S. Car Insurance Satisfaction Study for the state of Florida, coming in second for overall customer satisfaction.

As for premiums, low-risk customers can expect to pay approximately $849 for car insurance with Geico. In contrast, high-risk Geico clients could expect to pay up to $5,311.

Geico sells no-frills policies covering just the basics at prices nearing the higher end of the spectrum. Nevertheless, it offers a broad range of discounts to make its policies more affordable, including exclusive savings opportunities for active-duty military members and veterans.

Coverage includes
Property Damage Liability$50,000 per accident
Uninsured/ Underinsured Motorist$100,000 per person, $300,000 per accident
Collision$1,000 deductible
Comprehensive$1,000 deductible
Bodily Injury Liability$100,000 per person, $300,000 per accident
Additional coverage
PIP Insured and Relative$10,000/ no deductible (lower-risk driver)
PIP Insured and Relative$10,000/ $1,000 deductible (higher-risk driver)

State Farm Florida car insurance

State Farm is featured in J.D. Power’s 2020 U.S. Car Insurance Satisfaction Study for Florida, ranking just under the regional average for overall customer satisfaction.

Lower-risk State Farm customers could pay between $276 and $564, depending on the coverage limits selected, while higher-risk drivers could pay between $2,527 and $3,196 for maximum coverage.

State Farm’s premiums are the cheapest out of all the companies on our list, both for high- and low-risk Florida drivers. It also offers some appealing coverage options for those who collect antique or vintage cars.

Coverage includes
Property Damage Liability$50,000 per accident
Uninsured/ Underinsured Motorist$100,000 per person, $300,000 per accident
Collision$1,000 deductible
Comprehensive$1,000 deductible
Bodily Injury Liability$100,000 per person, $300,000 per accident
Additional coverage
Personal Injury Protection$10,000

Additional coverage

State Farm also offers the following additional coverage options:

  • Teen driver coverage
  • Rental car coverage
  • Sports car coverage
  • Classic & antique vehicle coverage
  • Commercial auto coverage
  • Rideshare insurance
  • Car rental reimbursement
  • Medical payments
  • Emergency roadside assistance

State Farm Auto Resources

  • Discounts: For bundled policies, good students and students away from home, being accident-free, taking a defensive driving course and having vehicles with safety features.
  • Tools: Auto insurance tips & resources blog, a repair facility locator tool and Simple Insights articles on insurance, savings and more.
  • Drive Safe & Save App: Save up to 30% on car insurance by driving safely.

Additional coverage

State Farm also offers the following additional coverage options:

  • Teen driver coverage
  • Rental car coverage
  • Sports car coverage
  • Classic & antique vehicle coverage
  • Commercial auto coverage
  • Rideshare insurance
  • Car rental reimbursement
  • Medical payments
  • Emergency roadside assistance

State Farm Auto Resources

  • Discounts: For bundled policies, good students and students away from home, being accident-free, taking a defensive driving course and having vehicles with safety features.
  • Tools: Auto insurance tips & resources blog, a repair facility locator tool and Simple Insights articles on insurance, savings and more.
  • Drive Safe & Save App: Save up to 30% on car insurance by driving safely.

How to get the cheapest car insurance in Florida

The best ways to save money on car insurance are pretty universal, whether you live in Florida or elsewhere in the continental U.S.

Here are a few of them:

Shop around

Comparison shopping is one of the best ways to ensure you’re not paying more than you have to for the car insurance coverage you need.

Insurance companies price risk based on their own particular guidelines, so you may be quoted very different prices depending on the insurer, your personal details, and the coverage types and limits you select.

Another reason to shop for car insurance quotes is to find discounts and savings opportunities for which you may qualify. Keep in mind that not all discounts are available in all states and that discount amounts may vary by company.

The best ways to save money on car insurance are pretty universal, whether you live in Florida or elsewhere in the continental U.S.

Here are a few of them:

Shop around

Comparison shopping is one of the best ways to ensure you’re not paying more than you have to for the car insurance coverage you need.

Insurance companies price risk based on their own particular guidelines, so you may be quoted very different prices depending on the insurer, your personal details, and the coverage types and limits you select.

Another reason to shop for car insurance quotes is to find discounts and savings opportunities for which you may qualify. Keep in mind that not all discounts are available in all states and that discount amounts may vary by company.

FAQs about car insurance in Florida

What is the minimum liability insurance requirement in Florida?

Florida is one of 12 no-fault states. That means state law requires all drivers to file bodily injury or medical payment claims through their own insurer, regardless of who is at fault in an accident.

For this reason, Florida residents and non-residents must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) automobile insurance upon registering their vehicle.

According to Florida’s Department of Highway Safety and Motor Vehicles, the legal minimum liability car insurance required for the state is as follows:

  • $10,000 property damage liability per accident
  • $10,000 in personal injury protection

In addition to this, vehicles registered as taxis must also carry:

  • $125,000, bodily injury liability per person
  • $250,000, per occurrence
  • $50,000, property damage liability

All drivers must maintain coverage throughout the vehicle’s registration, even if the vehicle is not in use or is inoperable.

Before canceling your insurance, you must surrender your license plate to avoid penalties.

In some cases, military members stationed out of state may be exempt from maintaining continuous car insurance even if they are Florida residents.

Do non-residents need car insurance in Florida?

What happens if you don’t have auto insurance in Florida?

What types of auto insurance does Florida accept?

Is hurricane damage covered under car insurance?

Methodology

Money’s Best Car Insurance Companies in Florida include a variety of insurers licensed in most states that offer comprehensive yet affordable coverage options for every kind of driver.

To evaluate each company’s overall customer satisfaction pertaining to the state of Florida, we referenced J.D. Powers 2020 U.S. Auto Insurance satisfaction study, which ranks insurers based on factors such as billing process and policy information, claims, interaction, policy offerings and price.

Finally, we gathered rate quotes from each company based on two customer profiles: one high-risk driver and one low-risk driver.

Quotes obtained for the purpose of this research exceed the minimum liability insurance requirements in Florida.

Consumer profiles

Insurance underwriters determine premiums based on demographic and statistical information linked to higher or lower risks of incurring losses. While risk factors vary from one insurer to the next, some key factors are common amongst insurers.

Higher-risk drivers are those who have bad credit, a spotty payment history or violations such as DUIs on their driving records.

However, a clean driving record does not a low-risk driver make. There are other factors that determine your risk level and, subsequently, your car insurance premium.

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