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Cheapest Florida Auto Insurance Quotes

It’s impossible to miss the commercials from auto insurance companies like Allstate and The General that say if you switch you’ll get the cheapest rates. So drivers should just pick the company with the catchiest ad, right?

It’s not that easy, however, as there are a whole slew of unknowns like the number of miles you drive each year, what deductibles you want to use, and whether you are married or single, that all impact the price you pay. We will try to teach you about the best ways to pay less and will hopefully give you a good start in finding the cheapest insurance in Florida.

Deciding which companies quote the cheapest auto insurance rates in Florida involves a tad more effort than just quoting one company’s rates. Every car insurance company has a unique formula to set their prices, so to begin we’ll rank the most competitive auto insurance companies in Florida.

It’s important to know that Florida auto insurance rates are based on many factors that will increase or decrease the price of coverage. Getting older, getting married, or having an at-fault accident can trigger changes in premium that can cause some rates to be cheaper than others.

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Florida car insurance ranked by cost per year
RankCompanyCost Per Year
1USAA$957
2Electric$1,712
3Amica$1,712
4Progressive$1,829
5Mercury$1,914
6Travelers$1,945
7Allied$1,945
8Esurance$2,020
9GEICO$2,086
10State Farm$2,131
11Auto-Owners$2,149
1221st Century$2,397
13Allstate$2,411
14Windhaven Insurance$2,575
15MetLife$2,900
16Safeco$2,927
17Hanover$3,024
18Liberty Mutual$3,101
19United Automobile$3,562
20Direct General$3,942
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USAA offers some of the best car insurance rates in Florida at around $957 each year. Electric, Amica, Progressive, and Mercury are also some of the cheaper Florida insurance companies.

In the rate table above, if you are currently insured with Amica and switched to USAA, you might achieve an annual savings of roughly $755. Drivers with Progressive could save as much as $872 a year, and Mercury insureds might reduce prices by as much as $957 a year.

Understand that those prices are averaged for all drivers and vehicles and do not take into consideration a price discount in Florida. So the company that fits your needs best may not even be featured in the above rate chart. That points out the importance of why you need to get auto insurance quotes using your own personal information and vehicle type.

For drivers in Florida, one of the more important components that are looked at to determine the amount you pay for auto insurance is the neighborhood you call home. Cities with larger populations like Hialeah, Miami, and Miramar tend to pay slightly more, whereas areas with less congestion get the luxury of paying less.

The illustration below rates the most expensive areas in Florida to buy auto insurance in.

How much does car insurance cost in Florida?
RankCityAnnual Rate
1Hialeah$3,523
2Miami Gardens$3,149
3Miami$3,145
4Miami Beach$3,043
5Miramar$2,709
6West Palm Beach$2,679
7Hollywood$2,630
8Tampa$2,532
9Davie$2,523
10Pompano Beach$2,518
11Coral Springs$2,499
12Fort Lauderdale$2,475
13Pembroke Pines$2,407
14Brandon$2,392
15St. Petersburg$2,219
16Clearwater$2,194
17Spring Hill$2,123
18Orlando$2,029
19Port St. Lucie$1,994
20Jacksonville$1,980
21Cape Coral$1,917
22Lakeland$1,901
23Tallahassee$1,748
24Palm Bay$1,733
25Gainesville$1,696
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Price information shown is comparative as specific Florida garaging address can lower or raise coverage rates noticeably.

Everyone has different tastes in autos, and the style of vehicle requiring insurance is one of the primary factors when comparing the cheapest Florida auto insurance quotes. Vehicles with high performance engines, poor safety features, or a high likelihood of having liability claims will cost more to insure than more economical and safe models. The lists below ranks coverage premiums for some of the cheaper automobiles to insure in Florida.

Insurance Rates for Popular Cars in Florida
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Chevrolet Malibu Hybrid$1,102$551$92
Ford Focus SE 2-Dr Coupe$1,238$619$103
Ford Fusion Sport 4-Dr Sedan$1,184$592$99
Honda Civic LX-S 4-Dr Sedan$1,140$570$95
Kia Optima EX$1,260$630$105
Nissan Altima 2.5 S 2-Dr Coupe$1,260$630$105
Toyota Camry LE$1,102$551$92
Volkswagen Jetta LE 4-Dr Sedan$1,102$551$92
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in vehicle location which can revise insurance rates significantly.

Car Insurance Rates for Popular SUVs and Crossovers in Florida
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
BMW X5 4.8I AWD$1,288$644$107
Buick Enclave CX 2WD$1,184$592$99
Chevrolet Suburban LTZ 4WD$1,206$603$101
Chevrolet Traverse LS AWD$976$488$81
Ford Escape Limited 2WD$954$477$80
Ford Explorer XLT 2WD$1,044$522$87
GMC Acadia SLE 2WD$1,044$522$87
Honda CR-V LX 4WD$932$466$78
Honda Fit$878$439$73
Honda Pilot Touring 4WD$1,124$562$94
Jeep Grand Cherokee SRT-8 4WD$1,184$592$99
Jeep Patriot Limited 4WD$1,102$551$92
Jeep Wrangler Sport 4WD 2-Dr$962$481$80
Toyota Highlander Hybrid 4WD$1,206$603$101
Toyota RAV4 Sport 2WD$1,102$551$92
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Table data does not factor in vehicle garaging location which can impact insurance rates noticeably.

Auto Insurance Rates for Popular Pickup Trucks in Florida
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD$1,288$644$107
Chevrolet Silverado LS Extended Cab 4WD$1,102$551$92
Dodge Ram 2500 Mega Cab SLT 2WD$1,342$671$112
Dodge Ram 3500 Crew Cab Laramie 2WD$1,288$644$107
Dodge Ram Quad Cab Sport 4WD$1,282$641$107
Ford F-150 XL Super Cab 2WD$1,022$511$85
GMC Canyon SLE Regular Cab 2WD$1,022$511$85
GMC Sierra SL Extended Cab 2WD$1,102$551$92
Toyota Tacoma Double Cab TRD Off-Road Package 4WD$1,124$562$94
Toyota Tundra SR/5 Crew Max 4WD$1,282$641$107
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price information does not factor in your specific Florida location which can alter coverage prices significantly.

How to get discounts on Florida insurance

Auto insurance for drivers in FloridaInsurers that offer the cheapest Florida auto insurance quotes may additionally offer price discounts that may potentially lower prices by 30% or more if you meet specific criteria. A few popular companies and a selection of discounts can be read below.

  • 21st Century offers discounts including air bags, 55 and older, student driver, automatic seat belts, and teen driver.
  • Progressive offers discounts for good student, homeowner, online quote discount, continuous coverage, and online signing.
  • State Farm may offer discounts for safe vehicle, multiple autos, accident-free, anti-theft, student away at school, and good driver.
  • Nationwide includes discounts for family plan, business or organization, defensive driving, accident-free, Farm Bureau membership, and multi-policy.
  • Esurance has discounts for claim free, good student, anti-theft, Pac-12 alumni, good driver, emergency road assistance, and anti-lock brakes.
  • The Hartford may include discounts for defensive driver, anti-theft, air bag, driver training, and bundle.

The example below illustrates the difference between premium costs with and without some available policy discounts. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with marriage, anti-theft, multiple policy, multiple vehicle, defensive driving course, and safe-driver discounts applied. When discounts are applied, the average amount saved each year on auto insurance in Florida is 28% or $742.

Florida auto insurance companies ranked

Ending up with a highly-rated insurance company can be rather challenging considering how many companies there are in Florida. The company ratings in the next section can help you choose which car insurance providers to look at comparing rates from.

These ratings are only comprised of companies who write in the majority of U.S. states, so smaller companies are not included in these rankings. If you’d like to compare prices from these and other competitive companies, click here.

Top Ten Auto Insurance Companies in Florida
CompanyValueCustomer ServiceClaimsCustomer SatisfactionA.M Best RatingOverall Score
Travelers93989988%A++95.1
USAA839910091%A++94.1
Mercury Insurance97968889%A+93.4
AAA Insurance91959290%A93.3
Nationwide85959789%A+92.4
Allstate771009788%A+90.7
State Farm80949688%A++90.6
The Hartford88939187%A+90.4
Safeco Insurance91958588%A90.2
Progressive88948388%A+90.1
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Data Source: Insure.com Best Car Insurance Companies

The illustration below shows how choosing a deductible can raise or lower insurance rates when researching cheap insurance in Florida. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

The data above shows that a 30-year-old driver could cut expenses by $538 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $810 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old, can save as much as $1,582 every year by using higher deductibles when buying full coverage.

When raising deductibles, it will now be necessary to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

How to find budget-friendly insurance in Florida

The list below shows some of the better money-saving ideas that can help Florida drivers buy more affordable auto insurance.

  • Do not get into accidents
  • Having too many claims will increase rates substantially
  • Buy vehicles with five-star safety ratings
  • Save money by insuring your home and auto with the same company
  • Keep your driving record clean
  • Compare rates regularly to ensure the best deal

The final tip is notably necessary, as we emphasized in this article. Prices charged by auto insurers fluctuate constantly, so you should be ready to switch carriers if a more affordable price is available. Being loyal to a particular company is commendable, but it isn’t a good idea if it’s costing you several hundred dollars every year. Now is a great time to compare rates to find cheaper insurance in Florida.

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