Compare Cheap Car Insurance in Florida

In Florida, some of the cheapest car insurance options come from State Farm, GEICO, and Mile Auto.

The average cost of full-coverage car insurance in Florida is $248 per month, compared to a national average of $193. That said, your personal rate will depend on details like your age, driving history, and location. To know what you'll actually pay, it's best to compare quotes from multiple insurers.

We've broken down the most affordable car insurance choices in Florida by provider, coverage type, and driver profile.

Affordable full-coverage car insurance in Florida

In Florida, the average monthly cost for full-coverage car insurance is $248, which is above the national figure of $193. Some of the cheapest car insurance providers include State Farm, GEICO, and Mile Auto.

	Average monthly full coverage cost
Florida average	$248
National average	$193
State Farm	$96
GEICO	$99
Mile Auto	$156
Allstate	$168

Affordable liability-only car insurance in Florida

Looking for liability-only coverage? State Farm, GEICO, and Mile Auto are among the most affordable liability car insurance providers in Florida.

On average, liability-only insurance costs Florida drivers $174 per month, compared to the national average of $102.

	Average monthly liability-only cost
Florida average	$174
National average	$102
State Farm	$81
GEICO	$84
Mile Auto	$131
Allstate	$140

Cheap Car Insurance in Florida by age

How old you are has a major impact on car insurance rates. Car insurance for teens is usually the most expensive, with Florida teens paying around $423 monthly due to limited experience.

Drivers in their 20s often see rates drop, with monthly costs averaging $311. Prices usually continue to fall through your 30s and 40s, averaging $263 and $249 respectively.

Rates can rise again in later years. Florida drivers in their 60s pay an average of $203, while those in their 70s pay about $208.

These pricing shifts reflect risk levels by age group. Young drivers are generally seen as higher risk, while older adults may face increases due to health concerns or reduced reaction time.

Age group	Average monthly full coverage cost	Average monthly liability-only cost
Teens	$423	$296
20s	$311	$218
30s	$263	$184
40s	$249	$174
50s	$223	$156
60s	$203	$142
70s	$208	$146

Cheap Car Insurance in Florida for high-risk drivers

Having a history of traffic violations or accidents will generally result in higher car insurance premiums. Here's what drivers in Florida can expect to pay if they have a record that includes an accident, speeding ticket, or DUI, according to car insurance if you have a bad driving record.

Violation	Average monthly full coverage cost	Average monthly liability-only cost
Accident	$324	$227
Speeding ticket	$304	$213
DUI	$373	$262

Cheap Car Insurance in Florida by credit score

In Florida, drivers with excellent credit scores tend to enjoy lower rates. These drivers pay about $217 each month, while those with poor credit may pay as much as $310 or more.

Insurers often view lower credit scores as an indication of higher risk, which can translate to increased premiums.

Credit score	Average monthly cost of full coverage	Average monthly cost of liability-only
Excellent	$217	$152
Good	$236	$165
Average	$255	$179
Poor	$310	$218

FAQs

What is the minimum car insurance required in Florida?

Florida law mandates that drivers carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) coverage. These minimums are essential for legally operating a vehicle in the state.

Is Florida a no-fault insurance state?

Yes, Florida operates under a no-fault insurance system. This means that after an accident, your own insurance covers your medical expenses, regardless of who was at fault.

How can I lower my car insurance premiums in Florida?

To reduce your premiums, consider bundling policies, maintaining a clean driving record, increasing deductibles, and shopping around for quotes. Additionally, some insurers offer discounts for safe driving or installing anti-theft devices.

Does my credit score affect my car insurance rates in Florida?

Yes, insurers in Florida often use credit scores as a factor in determining premiums. A higher credit score can lead to lower insurance costs, as it's associated with lower risk.

What happens if I drive without insurance in Florida?

Driving without insurance in Florida can result in penalties such as license suspension, fines, and vehicle impoundment. It's crucial to maintain at least the minimum required coverage to avoid these consequences.

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Bottom line

Just because these are the cheapest companies in Florida doesn't mean they're the best fit for everyone. To find a policy that meets your specific needs and budget, compare quotes from several providers and evaluate both cost and service.

Data throughout provided by Insurify.

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