While finding an affordable car insurance rate is a top priority for many shoppers, there’s more to car insurance than a rock-bottom price. Car insurance companies differ based on the types of coverage they offer, their quality of customer service, how easy their mobile app is to use and more. But finding the “best” car insurance in Florida can feel like throwing darts at a dart board with your eyes closed.
That’s why we did the legwork for you. NerdWallet analyzed the top-rated insurance companies in Florida and put together a list of the very best ones for each of the following categories:
Best car insurance category | Company winner |
|---|---|
Best overall | Travelers |
Best budget pick | Geico |
Best for having few customer complaints | Auto-Owners |
Best for ease of use | State Farm |
For the full list of best car insurance companies in Florida, skip to the bottom.
Did you know...
Floridians have to contend with some of the highest car insurance prices in the country. That's because Florida has some of the highest rates of extreme weather, uninsured motorists, crash-related lawsuits and bad accidents. But lots of factors affect the price you pay for insurance. Check out NerdWallet's Florida car insurance quick-start guide to learn more.
How we found the best car insurance in Florida.
NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies in Florida. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. Here’s a breakdown of the categories and their weightings we used to evaluated Florida insurers:
As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies is likely to change over time. In our list of the best insurers in the state, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.
See our full methodology for more details.
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Best car insurance in Florida overall: Travelers
Best overall 5.0 NerdWallet rating Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy. Discounts Great set of discounts Ease of use Above average NAIC complaints Fewer than expected Best overall 5.0 NerdWallet rating Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy. Discounts Great set of discounts Ease of use Above average NAIC complaints Fewer than expected
Travelers
Travelers
Why it’s the best
Travelers holds the highest overall score out of the 21 companies in Florida we analyzed. Travelers stands out for its ease of use and earned the top spot in our overall best car insurance companies of 2024. Because our auto insurance ratings reward companies for customer-first features and practices, this category represents an overall solid choice for drivers seeking a well-rounded insurance company.
» Read the full review: Travelers auto insurance review
Travelers average annual rates for a 35-year-old Florida driver
| Driver profile | Full coverage rate | Minimum coverage rate |
|---|---|---|
| Clean driving record, good credit | $1,806 | $352 |
| One speeding ticket, good credit | $2,362 | $468 |
| One at-fault crash, good credit | $2,468 | $498 |
| One DUI, good credit | $2,938 | $599 |
| Clean driving record, poor credit | $3,524 | $762 |
Best car insurance in Florida for your budget: Geico
Best budget pick 5.0 NerdWallet rating With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance. Discounts Great set of discounts Ease of use Above average NAIC complaints Close to expected Best budget pick 5.0 NerdWallet rating With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance. Discounts Great set of discounts Ease of use Above average NAIC complaints Close to expected
Geico
Geico
Why it’s the best
Our analysis suggests Geico is the best car insurance company in Florida when it comes to your wallet. According to our September 2024 analysis, Geico’s average rate for full coverage in Florida is $138 per month for a 35-year-old driver with a clean driving record and good credit. That’s the lowest out of all Florida car insurance companies we have pricing data for. However, your own rate may be different. Check out NerdWallet’s analysis of cheap car insurance in Florida for a breakdown of the most affordable insurers in the state.
» Read the full review: Geico auto insurance review
Geico average annual rates for a 35-year-old Florida driver
| Driver profile | Full coverage rate | Minimum coverage rate |
|---|---|---|
| Clean driving record, good credit | $1,654 | $310 |
| One speeding ticket, good credit | $2,726 | $533 |
| One at-fault crash, good credit | $2,298 | $439 |
| One DUI, good credit | $2,809 | $562 |
| Clean driving record, poor credit | $2,956 | $587 |
Best car insurance in Florida for having few customer complaints: Auto-Owners
Best for having few customer complaints 5.0 NerdWallet rating People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints. Discounts Great set of discounts Ease of use Above average NAIC complaints Far fewer than expected Best for having few customer complaints 5.0 NerdWallet rating People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints. Discounts Great set of discounts Ease of use Above average NAIC complaints Far fewer than expected
Auto-Owners
Auto-Owners
Why it’s the best
Auto-Owners is the best car insurance company in Florida for having the fewest customer complaints to state regulators relative to insurers of its size. Auto-Owners had the second-highest overall raw score out of Florida companies we analyzed and is financially strong, which means the company has enough funds to pay claims.
» Read the full review: Auto-Owners insurance review
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
on NerdWallet
Best car insurance in Florida for ease of use: State Farm
Best for ease of use 5.0 NerdWallet rating With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors. Discounts Average set of discounts Ease of use Above average NAIC complaints Fewer than expected Best for ease of use 5.0 NerdWallet rating With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors. Discounts Average set of discounts Ease of use Above average NAIC complaints Fewer than expected
State Farm
State Farm
Why it’s the best
State Farm is the best car insurance company in Florida for ease of use. It has an easy-to-use website and simple claims filing process compared with other top-rated companies in Florida. State Farm also has high app store ratings for iOS and Android devices.
» Read the full review: State Farm auto insurance review
State Farm average annual rates for a 35-year-old Florida driver
| Driver profile | Full coverage rate | Minimum coverage rate |
|---|---|---|
| Clean driving record, good credit | $2,122 | $405 |
| One speeding ticket, good credit | $2,391 | $506 |
| One at-fault crash, good credit | $2,733 | $610 |
| One DUI, good credit | $3,129 | $736 |
| Clean driving record, poor credit | $7,600 | $2,352 |
Full list of the best car insurance in Florida
If you’re looking for more options, NerdWallet analyzed 21 car insurers to find the 9 best car insurance companies in Florida, all with a NerdWallet star rating of 4.5 or higher.
Company | Star rating |
|---|---|
Amica | 5.0 NerdWallet rating |
Auto-Owners | 5.0 NerdWallet rating |
Geico | 5.0 NerdWallet rating |
State Farm | 5.0 NerdWallet rating |
Travelers | 5.0 NerdWallet rating |
USAA* | 5.0 NerdWallet rating |
Allstate | 4.5 NerdWallet rating |
Farmers | 4.5 NerdWallet rating |
Progressive | 4.5 NerdWallet rating |
*USAA is only available to military, veterans and their families. | |
» MORE: The best car insurance companies
How to get the best car insurance in Florida
Still not sure which company to go with? Try these tips:
Assess your needs. Evaluate your own needs and preferences before deciding on a car insurance company, since everyone’s needs are different. For example, one person might prioritize a company with strong customer service and a low-mileage discount, while another may prize affordability and a well-polished mobile app.
Do your research. While the companies on this page represent solid choices, you may want to explore other options. Whichever insurer you go with, make sure they’re financially stable, have few customer complaints and offer the coverage you need at a competitive price. You can also check out our full list of auto insurance reviews.
Consider small insurance companies. Small, regional insurers may provide a better price and customer service than the big companies you see advertised on TV. You might have to recruit the help of a local independent car insurance agent to find them.
Shop around once a year. Make a practice of shopping for car insurance quotes about once a year — especially if price is important to you. Insurers adjust car insurance rates regularly, so a company that gave you the best rate last year might no longer be a bargain this year. Be sure to get quotes from at least three insurers, and for the most accurate comparison, use the same or similar coverage options and deductibles while shopping around.
» MORE: How to get the best car insurance
Florida car insurance requirements
At a minimum, Floridians must carry property damage liability and personal injury protection (PIP) in the following amounts:
$10,000 property damage liability per accident.
$10,000 personal injury protection.
Property damage liability insurance pays for damage you cause to other people’s property while driving, like someone’s car or fence.
PIP insurance in Florida covers your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was.
We recommend buying more than the bare minimum when it comes to all parts of your auto liability insurance, if you can afford it. You might want added protection from optional coverages such as collision, comprehensive and uninsured motorist insurance.
Check out NerdWallet’s guide to Florida auto insurance requirements for more details on coverage you might want on your Florida auto policy. And for more help finding cheap car insurance in Florida, try NerdWallet’s car insurance comparison tool.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to auto insurance; a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.
Learn more about Florida car insurance |
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NerdWallet has many more Florida car insurance guides. For more information, check out our articles below:
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