Car Insurance in Florida: 2026 Rates & Guide
Florida is one of the most expensive states for car insurance. The average driver pays $212/month ($2544/year). Here's how to find the best rate for your situation.
$212
Avg Monthly
$2544
Avg Annual
#3
Cost Rank (1=priciest)
$168
Cheapest Option/mo
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Cheapest Car Insurance Companies in Florida (2026)
Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.
Top insurers in Florida — sorted by average monthly rate
| # | Company | Est. Monthly | Rating | |
|---|---|---|---|---|
| 1 | ★ BestState Farm | $168/mo | 4.4 | Get Quote |
| 2 | GEICO | $178/mo | 4.2 | Get Quote |
| 3 | Progressive | $185/mo | 4 | Get Quote |
| 4 | Allstate | $220/mo | 3.9 | Get Quote |
| 5 | Citizens | $162/mo | 3.8 |
Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.
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Florida Car Insurance Requirements
Minimum Coverage: 10/20/10
Florida is a no-fault state. You must carry Personal Injury Protection (PIP) in addition to liability coverage.
- $10,000 PIP required (no-fault)
- $10,000 property damage liability
- No bodily injury minimum required
Florida Insurance Facts
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How to Get Cheaper Car Insurance in Florida
Compare at least 3–5 quotes
Rates vary by 40–60% between companies for the same driver profile.
Raise your deductible
Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.
Bundle home + auto
Multi-policy discounts average 15–25% across major insurers.
Try usage-based insurance
Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.
Ask about all discounts
Good student, military, professional association, and low-mileage discounts are often unclaimed.
Improve your credit score
In most states, a good credit score can lower premiums by 20–50%.
Car Insurance in Florida — FAQs
What is the average cost of car insurance in Florida?
What is the minimum car insurance required in Florida?
Which company has the cheapest car insurance in Florida?
Is Florida a no-fault car insurance state?
How can I lower my car insurance in Florida?
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