Cheap Car Insurance in Florida for 2024 (Big Savings With These 10 Companies!)
If you need cheap car insurance in Florida, Geico, State Farm, and Progressive are top choices, with rates beginning at $30 per month. These providers offer cost-effective coverage for your needs in Florida car insurance. Continue reading to learn more about what makes these companies prominent in the Florida market.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Nov 4, 2024
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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17,759 reviewsCompany Facts
Min. Coverage in Florida
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
13,128 reviewsCompany Facts
Min. Coverage in Florida
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
Geico stands out as the best option for cheap car insurance in Florida, with rates beginning at only $30 per month. Both State Farm and Progressive also provide competitive rates and extensive coverage choices.
Florida is famous for its beaches and tourism, but residents often face high car insurance costs. Here’s how to find cheap car insurance in Florida.
Our Top 10 Company Picks: Cheap Car Insurance in Florida
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $30 A++ Cheap Rates Geico
#2 $33 B Customer Service State Farm
#3 $51 A+ Competitive Rates Progressive
#4 $52 A+ Personalized Policies Erie
#5 $54 A Teen Discounts Liberty Mutual
#6 $56 A++ Bundling Policies Travelers
#7 $61 A+ Infrequent Drivers Allstate
#8 $63 A Loyalty Rewards American Family
#9 $67 A Roadside Assistance AAA
#10 $76 A Safe-Driving Discounts Farmers
This article offers tips for finding affordable car insurance in Florida. Don’t forget to check if your policy includes benefits like enhanced rental car coverage, such as, “Does Geico offer enhanced rental car coverage?” Enter your ZIP code now.
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#1 – Geico: Top Overall Pick
Pros
- Lowest Rates for Cheap Car Insurance in Florida: Geico offers some of the lowest rates starting at $30 per month, making it a leading choice for those seeking affordable coverage in Florida.
- User-Friendly Online Tools: Geico’s online tools simplify obtaining quotes and managing policies, which is ideal for those looking for convenient ways to secure cheap car insurance in Florida.
- Extensive Discounts: Geico provides a variety of discounts, which can further reduce the cost of cheap car insurance in Florida. Gain more insights by reading our Geico insurance review & ratings.
Cons
- Customer Service: Some customers report less satisfactory experiences with Geico’s customer service, which could be a drawback when dealing with issues related to cheap car insurance in Florida.
- Limited Coverage Options: Geico’s fewer customizable coverage options might not suit everyone’s needs, potentially affecting those looking for comprehensive cheap car insurance in Florida.
#2 – State Farm: Best for Customer Service
Pros
- Excellent Customer Service: State Farm is renowned for its high levels of customer satisfaction, making it a solid choice for those seeking reliable service while obtaining cheap car insurance in Florida.
- Local Agents: Extensive local agents provides service, which can be beneficial for looking options for cheap car insurance in Florida. Discover information in our State Farm insurance review & ratings.
- Strong Financial Stability: State Farm, with a B rating from A.M. Best, offers a stable foundation, ensuring a dependable option for cheap car insurance in Florida.
Cons
- Higher Rates for Some Drivers: Younger or higher-risk drivers may face higher premiums, making it challenging to find cheap car insurance in Florida through State Farm.
- Limited Online Tools: State Farm’s online tools are not as advanced as some competitors’, which could be a drawback for those looking for easy online management of their cheap car insurance in Florida.
#3 – Progressive: Best for Competitive Rates
Pros
- Competitive Rates: Progressive rates starts at $51/mo, making it an option for finding cheap car insurance in Florida. Get a clearer picture by reading our Progressive insurance review & ratings.
- Flexible Coverage Options: Progressive’s wide range of coverage options allows customization, ensuring that you can find the right cheap car insurance in Florida to fit your specific needs.
- Good for Bundling: Progressive offers discounts for bundling auto insurance with other policies, which can help you save on cheap car insurance in Florida.
Cons
- Claims Process: Some customers experience a lengthy claims process, which might affect your overall experience with securing cheap car insurance in Florida.
- Varied Customer Service: Customer service experiences can vary, with some facing challenges, which could impact your satisfaction with cheap car insurance in Florida.
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#4 – Erie: Best for Personalized Policies
Pros
- Personalized Policies: Erie tailors policies to individual needs, making it easier to find cheap car insurance in Florida that fits specific driving habits and preferences.
- Strong Customer Service: Good customer service, contributing to experience when managing your cheap car insurance in Florida. Read more through our Erie bundling home and auto insurance review.
- Great Bundling Discounts: Erie’s substantial bundling discounts can further reduce costs, making it an excellent choice for those looking for cheap car insurance in Florida with multiple policy needs.
Cons
- Limited National Presence: Erie’s availability is restricted to certain states, which might limit access for those searching for cheap car insurance in Florida.
- Fewer Online Tools: Erie’s online tools and resources are less comprehensive, potentially affecting your ability to manage and secure cheap car insurance in Florida efficiently.
#5 – Liberty Mutual: Best for Teen Discounts
Pros
- Teen Driver Discounts: Liberty Mutual offers significant discounts for teen drivers, making it easier to find affordable and cheap car insurance in Florida for young drivers.
- Flexible Coverage Options: With a range of customizable coverage options, Liberty Mutual helps you secure cheap car insurance in Florida tailored to your specific needs.
- Good for Bundling: Discounts for insurance is additional savings, making it simpler to find cheap car insurance in Florida. Dive deeper with our piece titled “Liberty Mutual Insurance Review & Ratings.”
Cons
- Higher Premiums: Liberty Mutual’s premiums can be higher than some competitors, which might make it more challenging to find the cheapest car insurance in Florida.
- Customer Service Issues: There have been reports of issues with customer service and claims handling, which could affect your experience with cheap car insurance in Florida.
#6 – Travelers: Best for Bundling Policies
Pros
- Bundling Discounts: Travelers offers discounts for bundling multiple types of insurance, making it a great option for those seeking cheap car insurance in Florida alongside other coverage.
- Comprehensive Coverage Options: Travelers provides options, ensuring cheap car insurance in Florida that meets your needs. Explore our article titled “Travelers Homeowners insurance Review.”
- Strong Financial Stability: With an A++ rating from A.M. Best, Travelers offers financial strength and reliability, ensuring stable and affordable cheap car insurance in Florida.
Cons
- Higher Rates for Some Drivers: Rates may be higher for drivers with less favorable risk profiles, which could make finding cheap car insurance in Florida more difficult.
- Mixed Customer Reviews: Customer service experiences can vary, potentially affecting your satisfaction with obtaining cheap car insurance in Florida.
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#7 – Allstate: Best for Infrequent Drivers
Pros
- Good for Infrequent Drivers: Allstate offers programs for infrequent drivers, which can help secure cheap car insurance in Florida. For additional details, refer to our Allstate insurance review and ratings.”
- Strong Roadside Assistance: Robust roadside assistance services are included, providing valuable support and enhancing your overall experience with cheap car insurance in Florida.
- Multiple Discounts: Allstate’s discounts for safe driving, bundling, and other factors can significantly lower your premiums, making cheap car insurance in Florida more accessible.
Cons
- Higher Premiums: Premiums with Allstate may be higher compared to some competitors, which could be a drawback when seeking the cheapest car insurance in Florida.
- Mixed Customer Service Feedback: Customer service reviews are mixed, with some reporting issues that might impact your experience with cheap car insurance in Florida.
#8 – American Family: Best for Loyalty Rewards
Pros
- Loyalty Rewards: American Family offers rewards and discounts for loyal customers, which can help reduce the cost of cheap car insurance in Florida for those who stay with the insurer long-term.
- Flexible Coverage Options: Coverage levels are available, allowing for cheap car insurance in Florida to fit needs. See details in our article named “American Family Homeowners Insurance Review.”
- Discounts for Safety Features: Provides additional savings for vehicles equipped with advanced safety features, promoting affordable cheap car insurance in Florida.
Cons
- Limited National Presence: American Family is not available in all states, which could restrict access to cheap car insurance in Florida for some potential customers.
- Potentially Higher Rates: Premiums may be higher compared to some other insurers, which could make it more challenging to secure the cheapest car insurance in Florida.
#9 – AAA: Best for Roadside Assistance
Pros
- Exceptional Roadside Assistance: AAA’s renowned roadside assistance services add significant value, making it a great option for those needing reliable cheap car insurance in Florida with extra benefits.
- Comprehensive Coverage: Offers a range of coverage options, ensuring that you can find cheap car insurance in Florida that meets various insurance needs. Check out our AAA insurance review & ratings.
- Strong Customer Satisfaction: High ratings for customer satisfaction reflect AAA’s commitment to providing quality service and affordable cheap car insurance in Florida.
Cons
- Membership Required: Access to certain benefits, such as roadside assistance, requires AAA membership, which may not appeal to everyone seeking cheap car insurance in Florida.
- Rates May Vary: Insurance rates can differ based on location and membership status, potentially affecting the affordability of cheap car insurance in Florida.
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#10 – Farmers: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Farmers offers discounts for safe driving and accident prevention, helping you save on cheap car insurance in Florida if you have a clean driving record.
- Customizable Coverage: Wide options allows for policies, ensuring you can secure cheap car insurance in Florida. Read more of “What types of car insurance coverage does Farmers Insurance offer?“
- Strong Local Agents: Accessible local agents provide personalized service, which can enhance your experience with finding and managing cheap car insurance in Florida.
Cons
- Higher Premiums: Premiums with Farmers can be higher compared to some other providers, which might affect your ability to secure the cheapest car insurance in Florida.
- Claims Process: Some customers report issues with the claims process, which could impact your overall experience with obtaining cheap car insurance in Florida.
Understanding Car Insurance in Florida
Before exploring how to secure affordable car insurance in Florida, it’s important to understand its basics. Car insurance is a legal requirement in Florida and provides essential protection for accidents and vehicle damage.
Key components include personal liability insurance coverage, which covers damages you cause to others, and personal injury protection (PIP), which pays for medical expenses regardless of fault.
Florida Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $67 | $86 |
 | $61 | $160 |
 | $63 | $114 |
 | $52 | $90 |
 | $76 | $144 |
 | $30 | $75 |
 | $54 | $174 |
 | $51 | $127 |
 | $33 | $81 |
 | $56 | $87 |
Collision coverage helps repair or replace your vehicle after an accident, while comprehensive coverage protects against non-collision events like theft or fire. Uninsured/underinsured motorist coverage is crucial if you’re in an accident with a driver lacking sufficient insurance.
Florida mandates minimum liability coverage of $10,000 for bodily injury per person, $20,000 per accident, and $10,000 for property damage, plus $10,000 in PIP coverage.
Florida Report Card: Car Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver | A | 25% | State Farm, Geico, Allstate, Progressive |
| Bundling | A- | 20% | Nationwide, Allstate, Liberty Mutual |
| Multi-Car | B+ | 15% | Farmers, Progressive, USAA |
| Pay-In-Full | B+ | 10% | Liberty Mutual, USAA, Nationwide |
| Anti-Theft | B | 15% | State Farm, Geico, Progressive |
| Good Student | B | 15% | Geico, State Farm, Travelers |
| Low Mileage | B | 15% | State Farm, Allstate, Nationwide |
| New Car | B | 10% | Nationwide, Progressive, Liberty Mutual |
| Defensive Driving | B- | 10% | Allstate, Liberty Mutual, USAA |
| Paperless Billing | C+ | 5% | Geico, Progressive, Allstate |
While these are the legal minimums, higher coverage limits can offer better protection. With this foundational knowledge, you can better explore ways to find affordable insurance in Florida. Enter your ZIP code now to begin comparing.
Factors Affecting Car Insurance Rates in Florida
Understanding car insurance rates in Florida involves several key factors that insurance providers evaluate, and accessing free car insurance information can be particularly useful in this context. These factors include age and driving experience, the make and model of your vehicle, and your driving record and claims history.
Age and driving experience are critical in determining insurance premiums. Younger, less experienced drivers typically face higher rates due to their greater accident risk and tendency towards reckless driving.
Car Insurance Discounts From the Top Providers in Florida| Insurance Company | Available Discounts |
|---|---|
| Defensive Driving, Safe Driver, Multi-Car, Good Student |
| Bundling, Defensive Driving, Good Student, Safe Driver |
| Safe Driver, Good Student, Defensive Driving, Multi-Car |
| Multi-Car, Defensive Driving, Safe Driver, Good Student |
| Good Student, Bundling, Safe Driver, Defensive Driving |
| Safe Driver, Defensive Driving, Good Student, Multi-Car |
| Bundling, Defensive Driving, Safe Driver, Good Student |
| Good Student, Multi-Car, Defensive Driving, Safe Driver |
| Defensive Driving, Safe Driver, Bundling, Good Student |
| Multi-Car, Defensive Driving, Safe Driver, Good Student |
However, as drivers gain more experience and maintain a clean record, their rates can decrease. Older drivers, who usually exhibit more cautious driving habits, may benefit from lower premiums if they have a history of safe driving.
Florida Report Card: Car Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Average Claim Size | A- | Claims are generally higher |
| Weather-Related Risks | B | Frequent hurricanes and floods |
| Traffic Density | B- | High congestion in urban areas |
| Uninsured Drivers Rate | C+ | Above average rate of uninsured |
| Vehicle Theft Rate | C- | Moderate theft rate |
The make and model of your vehicle also affect your insurance rates. Insurance companies consider the cost of repairs and replacement parts; luxury and sports cars often incur higher premiums due to their expensive repair costs and higher theft rates.
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Practical vehicles like sedans and minivans tend to have lower insurance costs. Cars with certain safety features, such as anti-lock brakes and air bags, are also seen as less likely to be involved in accidents, leading to lower rates.
Your driving record and claims history are crucial factors in determining your insurance rates. A history of accidents, traffic violations, or frequent claims can lead to higher premiums as insurers view you as a higher risk.
5 Common Car Insurance Claims in Florida| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 35% | $4,500 |
| Comprehensive | 20% | $3,200 |
| Property Damage | 20% | $5,000 |
| Personal Injury | 15% | $8,000 |
| Uninsured Motorist | 10% | $6,500 |
On the other hand, a clean driving record with few or no claims can help secure lower rates and various discounts. Free car insurance information can also provide insights into how your driving history impacts your premiums and what steps you can take to improve your rates.
In summary, age and driving experience, vehicle make and model, and driving record and claims history are all significant factors influencing car insurance rates in Florida.
Florida Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Fort Lauderdale | 6,800 | 5,900 |
| Fort Myers | 3,500 | 3,000 |
| Jacksonville | 7,500 | 6,300 |
| Miami | 12,500 | 10,800 |
| Orlando | 9,000 | 7,800 |
| Sarasota | 3,800 | 3,200 |
| St. Petersburg | 5,200 | 4,600 |
| Tallahassee | 4,500 | 3,900 |
| Tampa | 8,500 | 7,200 |
| West Palm Beach | 4,000 | 3,500 |
Utilizing free car insurance information can help you better understand how these elements affect your premiums, enabling you to make informed decisions to potentially reduce your insurance costs and ensure adequate coverage.
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Tips for Lowering Your Car Insurance Premiums
Now that you have learned about finding affordable auto insurance and identified some reputable providers, consider leveraging free car insurance information available online to further reduce your premiums.
Strategies such as increasing your deductible, bundling insurance policies, and improving your credit score can help lower your costs.
By using free resources to compare rates and understand how various factors affect your premiums, you can make informed decisions and secure the most cost-effective coverage for your needs.
Balancing cost and coverage is essential to ensure adequate protection on the road without exceeding your budget. Enter your ZIP code now to begin comparing.
Frequently Asked Questions
What are the minimum car insurance requirements in Florida?
In Florida, drivers are required to have a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) coverage.
How can I find cheap car insurance in Florida?
To find cheap car insurance in Florida, you can start by comparing quotes from multiple insurance providers.
Additionally, maintaining a clean driving record, opting for a higher deductible, and taking advantage of available discounts can help lower your premiums. Enter your ZIP code now.
What factors can affect car insurance rates in Florida?
Several factors can influence car insurance rates in Florida, including your age, driving record, type of vehicle, location, credit score, and the coverage options you choose.
The insurance company calculating your car insurance rates will assess these elements to determine your premium.
Understanding how each factor impacts your rate can help you make informed decisions about your coverage and potentially lower your costs.
Are there any discounts available for car insurance in Florida?
Yes, there are various discounts available for car insurance in Florida. Some common discounts include safe driver discounts, multi-policy discounts, good student discounts, and discounts for installing anti-theft devices in your vehicle.
Can I drive without car insurance in Florida?
No, it is illegal to drive without car insurance in Florida. All registered vehicles must have at least the minimum required coverage. Enter your ZIP code now.
What factors contribute to Geico’s status as a top choice for cheap car insurance in Florida?
Geico’s competitive rates, starting as low as $30 per month, make it an attractive option for affordable coverage.
By saving money by comparing online car insurance quotes, you can ensure you’re getting the best deal. Additionally, its high A++ rating from A.M. Best underscores its strong financial stability.
How does State Farm’s customer service impact its reputation for cheap car insurance in Florida?
State Farm is known for its exceptional customer service, which enhances the overall experience for policyholders. Despite its slightly higher monthly rate of $33, the high quality of service justifies its position as a top provider.
In what ways does Progressive’s Snapshot program benefit those looking for cheap car insurance in Florida?
Progressive’s Snapshot program allows drivers to potentially lower their premiums based on their driving habits, promoting safer driving.
This program helps find cheap car insurance in Florida by offering personalized discounts. Enter your ZIP code now.
What personalized policy options does Erie offer to help secure cheap car insurance in Florida?
Erie provides a variety of personalized policy options, allowing customers to tailor their coverage to specific needs and preferences. This customization helps in finding affordable car insurance that fits individual requirements.
Additionally, when considering Erie for your insurance needs, it’s useful to consult an insurance company review and ratings to gauge overall customer satisfaction and service quality.
How does Liberty Mutual’s discount program benefit teen drivers seeking cheap car insurance in Florida?
Liberty Mutual offers substantial discounts for teen drivers, which helps reduce their overall insurance costs. These discounts make it easier for younger drivers to secure cheap car insurance in Florida.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.