Best Car Insurance In Florida For 2025
When choosing car insurance in Florida, State Farm is widely regarded as the best option for comprehensive coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
Whether you’re after basic coverage, extensive protection for your new car, or tailored plans for families or seniors, we’ve pinpointed the top car insurance providers in Florida. State Farm stands out as the best overall, offering affordable rates, diverse options, and excellent customer service.
GEICO excels in low-cost, minimum coverage policies with convenient management tools, while Travelers is perfect for full coverage, featuring broad protection plans and accident forgiveness. Drawing from 15 years of experience as an insurance agent, this guide will help you secure reliable coverage and avoid common mistakes.
Best Car Insurance Companies In Florida, 2025









Compare The Best Car Insurance Providers In Florida
Overall Rating | Best For | A.M Best Rating | J.D Power Rating | Local Sales Agent Presence | Get A Quote | |
---|---|---|---|---|---|---|
State Farm |
|
Overall |
A++ |
826 |
Yes |
Instant Quote |
Amica |
|
Young Adults |
A+ |
Not Rated |
Yes |
Instant Quote |
Wawanesa |
|
Budget Option |
A+ |
843 |
Yes |
Instant Quote |
Chubb |
|
New Cars |
A++ |
Not Rated |
Yes |
Instant Quote |
Allstate |
|
Seniors |
A++ |
816 |
Yes |
Instant Quote |
AAA |
|
Driving Violations |
A- |
832 |
Yes |
Instant Quote |
GEICO |
|
Minimum Coverage |
A++ |
830 |
No |
Instant Quote |
Travelers |
|
Full Coverage |
A++ |
Not Rated |
Yes |
Instant Quote |
Farmers |
|
Families With Teens |
A |
813 |
Yes |
Instant Quote |
State Farm |
|
Customer Service |
A++ |
826 |
Yes |
Instant Quote |
Best Car Insurance Companies In Florida 2025
Best Overall
Key Statistics
Why We Like Them
⇅State Farm is widely regarded as the leading car insurance provider in Florida for good reason. They combine affordability with comprehensive coverage, catering to drivers with varying needs. Their competitive rates are further enhanced by discounts for safe driving, insuring multiple vehicles, and installing safety features. High customer satisfaction ratings highlight their dedication to excellent service, bolstered by the personal support of knowledgeable local agents who help with claims and policy questions, creating trust and confidence among customers.
Benefits & Drawbacks
⇅- Affordable pricing
- Comprehensive range of coverage choices
- Superb customer support ✓
- It's not the most affordable option.
- Few digital resources available
- Insurance premiums rise following claims. ✘
Best For Minimum Coverage
Key Statistics
Why We Like Them
⇅GEICO is highly regarded as the top choice for minimum coverage car insurance in Florida, thanks to its unbeatable rates and user-friendly services. Known for offering some of the most affordable policies, GEICO is perfect for drivers who want to meet the state’s insurance requirements without breaking the bank. Their intuitive online platform and mobile app make it simple to manage policies, file claims, and adjust coverage, making GEICO a reliable and cost-effective option.
Benefits & Drawbacks
⇅- Affordable insurance rates
- Streamlined internet services
- Rapid processing of claims ✓
- Simple insurance choices
- Distant customer assistance
- There are no agents available locally. ✘
Best For Full Coverage
Key Statistics
Why We Like Them
⇅Travelers is recognized as the leading car insurance provider in Florida for full coverage, offering extensive protection that meets the diverse needs of drivers. Their comprehensive policies include collision and theft coverage, protecting against a variety of risks like accidents, theft, and natural disasters. With extras like accident forgiveness, new car replacement, and gap coverage, Travelers is ideal for Floridians facing high vehicle values and repair costs. Their financial strength and excellent customer support further enhance their reliability.
Benefits & Drawbacks
⇅- Extensive insurance choices
- We offer accident forgiveness.
- Replacement for a new vehicle ✓
- Increased insurance costs
- Complicated choices in policy
- Delayed processing of claims ✘
Best For New Cars
Key Statistics
Why We Like Them
⇅Chubb is widely considered the top car insurance provider for new car owners in Florida due to its exceptional coverage options and services designed for high-value vehicles. One standout feature is agreed value coverage, which compensates policyholders the full insured amount without depreciation in the event of a total loss. This is especially beneficial for new car owners dealing with rapid depreciation. Chubb also offers high rental reimbursement limits, key replacement, and access to top repair shops, ensuring your car remains in perfect condition. Their outstanding customer service and smooth claims process make them a top choice for protecting your new investment.
Benefits & Drawbacks
⇅- Coverage based on agreed-upon value
- Exceptional customer service for claims
- Advanced policy attributes ✓
- High-cost pricing
- The amount of coverage might be too much.
- Reduced chances for discounts ✘
Best For Seniors
Key Statistics
Why We Like Them
⇅Allstate is recognized as the top car insurance provider for seniors in Florida, offering features tailored to older drivers. Their policies include senior discounts, accident forgiveness, and new car replacement options, making them an excellent choice for affordability and comprehensive protection. Safe driving incentives and low-mileage discounts add further value, while their user-friendly tools and reliable customer support simplify policy management, blending traditional and modern communication methods for convenience.
Benefits & Drawbacks
⇅- Personalized savings for elderly customers
- You have the option of accident forgiveness.
- Extensive mobile application ✓
- Increased insurance costs
- Fluctuating levels of customer service excellence
- Policy choices often involve intricate decisions. ✘
Best For Driving Violations
Key Statistics
Why We Like Them
⇅AAA car insurance is an excellent choice for Florida drivers with prior violations, offering forgiving policies that cater to high-risk drivers. Their plans help make coverage more affordable while providing tools to improve driving records. Programs like accident forgiveness prevent rate hikes after a first at-fault accident, and discounts for defensive driving courses encourage safer habits.
Benefits & Drawbacks
⇅- Pardon for initial collision
- Savings for Safe Driving
- Customized insurance plans for drivers with higher risk profiles. ✓
- Increased penalties for breaches
- Restricted selection of coverage choices
- You need to be a member. ✘
Best For Families With Teens
Key Statistics
Why We Like Them
⇅Farmers Insurance is an excellent option for Florida families with teenage drivers, offering tailored programs to address the challenges of insuring young drivers. Discounts like good student rewards and safe driver programs help make insurance more affordable, while flexible policies adapt as teens gain driving experience.
Benefits & Drawbacks
⇅- Discounts for excellent students
- Tailored insurance choices
- Learning materials aimed at teenagers ✓
- Possible increased insurance costs
- Fluctuating levels of customer service
- Complicated policy frameworks ✘
Best For Customer Service
Key Statistics
Why We Like Them
⇅State Farm is widely regarded as the top car insurance provider in Florida for its exceptional customer service. With a large network of local agents, they offer personalized assistance and expert advice tailored to each client’s needs. Their efficient claims process ensures stress-free support, further solidifying their reputation for excellence.
Benefits & Drawbacks
⇅- Affordable pricing
- Comprehensive range of coverage choices
- Outstanding customer support ✓
- Not the most affordable option out there.
- Restricted digital resources
- Insurance premiums rise following claims. ✘
Best For Young Adults
Key Statistics
Why We Like Them
⇅Amica is a top choice for young adults in Florida, offering affordable car insurance with tailored benefits. Their competitive rates, good student discounts, and rewards for safe driving help young drivers manage costs while enjoying exceptional customer service.
Benefits & Drawbacks
⇅- Affordable rates tailored for young people.
- Exceptional customer care
- Quick handling of claims ✓
- Few physical sites available
- Reduced choices for high-risk insurance.
- Discounts based on usage are not available. ✘
Best For Budget Option
Key Statistics
Why We Like Them
⇅Wawanesa is an excellent choice for budget-conscious drivers in Florida, offering some of the most competitive rates in the market. Despite its affordability, it provides excellent customer service, highlighted by a simple claims process and clear policy management.
Benefits & Drawbacks
⇅- Very competitive pricing
- High customer approval
- Simple process for claims ✓
- Restricted insurance choices
- Reduced number of discounts offered.
- Limitations based on geographical location ✘
Minimum Car Insurance Requirements In Florida
In Florida, drivers are required to have a minimum level of car insurance to provide basic financial protection in case of accidents. The minimum auto insurance requirements in Florida includes $10,000 in bodily injury liability per person, $10,000 per accident, and $10,000 for property damage.
Average Cost Of Car Insurance In Florida
As per data from Quadrant Information Services, the typical cost for full car insurance coverage in Florida is about $340 monthly or $4,088 annually. Nationally, this type of coverage averages $205 monthly or $2,460 yearly.
Company | Full Coverage |
Geico | $2,219 |
Travelers | $2,358 |
Progressive | $2,904 |
State Farm | $2,125 |
Nationwide | $2,152 |
Average Car Insurance Rates In Florida – By City
City | Average Annual Premium |
Doral | $3,360 |
Hialeah | $3,358 |
Miami Gardens | $3,358 |
North Miami Beach | $3,572 |
Westview | $3,470 |
Paxton | $2,288 |
Argyle | $2,292 |
Mossy Head | $2,294 |
Defuniak Springs | $2,315 |
Carrabelle | $2,324 |
Average Car Insurance Rates In Florida – By Age
Age | Average full coverage rate | Average minimum coverage rate |
16
|
$8,500
|
$2,498
|
$10,908
|
$3,186
|
|
20
|
$8,354
|
$2,328
|
25
|
$5,055
|
$1,337
|
$4,312
|
$1,152
|
|
40
|
$4,028
|
$1,078
|
$3,868
|
$1,029
|
|
60
|
$3,756
|
$1,015
|
70
|
$3,954
|
$1,115
|
How To Buy Car Insurance In Florida
Use these five steps to purchase suitable car insurance in Florida according to your requirements
Assess Your Coverage Needs
Start by assessing how much coverage you require, taking into account your vehicle’s worth, driving patterns, and financial circumstances. Determine if you need coverage beyond the minimum liability or additional options like collision and comprehensive insurance.
Research Potential Insurers
Research different auto insurance firms in Florida to evaluate how they treat customers, handle claims, and manage their finances. Utilize online reviews, ratings from sources like J.D. Power, and feedback from both current and past clients to assess each company’s trustworthiness.
Gather Necessary Information
Before you ask for price estimates, make sure you have important details like your driver’s license, vehicle registration, driving record, and any documents that could affect how much you pay. This prep work will speed up the quoting process and ensure you get accurate prices.
Compare Quotes
Get quotes from various insurers using Insuranceopedia to see who offers the best prices and coverage for your needs.
Purchase the Policy
After you’ve chosen the insurance company with the top coverage at the best rate, go ahead and buy the policy. Many insurers offer online or phone options for quick purchase, so you can get insured right away. Once you’ve bought it, remember to print out your insurance cards and any required paperwork.
How To Find The Best Car Insurance
Choosing the best car insurance means weighing various factors specific to your situation. Begin by checking your state’s minimum liability coverage requirements to ensure you meet the legal standard, and assess whether those limits will fully protect you in an accident. If you’re leasing or financing, verify if your lender mandates additional coverage, such as collision or comprehensive insurance.
Consider your driving patterns, your car’s value, and your comfort with risk when deciding on coverage options. Adding protections like uninsured motorist or personal injury coverage may also be beneficial, particularly in areas with many uninsured drivers. Shopping around for quotes from different providers can help you secure adequate coverage at a price that fits your budget.
Our Methodology
To ensure our insurance company ratings are precise and dependable, we follow a thorough method. We assess numerous insurers, drawing insights from various respected review sites. Trusted industry leaders such as A.M. Best and J.D. Power also contribute crucial metrics. With 15 years of experience as an insurance agent, including five in Florida, I enhance our analysis with firsthand expertise. This rigorous process, incorporating data from credible review sites, guarantees our ratings are reliable, helping you make informed insurance decisions confidently.
Quotes Assessed
Hours Of Research
Years Of Industry Experience
Brands Reviewed
FAQs
Who is the most trusted car insurance company?
Our study shows that State Farm and Wawanesa rank highest among the most reliable car insurance providers in Florida.
How much car insurance do I need?
How much car insurance you require hinges on factors such as Florida’s minimum standards, your vehicle’s value, and your own financial circumstances. It’s crucial to weigh liability, collision, and comprehensive coverage for sufficient protection.
Why is car insurance so expensive?
Auto insurance costs can rise for several reasons, such as the extent of coverage, your driving history, the vehicle model, where you live, and broader influences like inflation and rising repair expenses.