Cheap car insurance in Florida for 2025

Each driver and their insurance needs are different, which is why there isn’t just one insurer that works best for everyone. Drivers with multiple moving violations or accidents might only be able to find coverage with a non-standard carrier. Drivers with good credit and no prior incidents may choose a preferred carrier due to its enhanced benefits. The best car insurance company for you is one that works within your budget while meeting your financial requirements. For example, our analyst shows that Geico may be the best for drivers wanting top-notch customer service, but Allstate may be better for additional perks. 

On average, drivers in Florida pay $323 per month for full-coverage car insurance, and $88 monthly for minimum coverage. Auto insurance rates will vary based on your personal driving profile. 

According to the Insurance Information Institute, Florida incurs an above-average level of litigated auto claims. While Florida is one of several no-fault states, it is the only state that requires insurance but not bodily injury coverage (BI), just personal property liability and personal injury protection (PIP). PIP claims can be expensive and more vulnerable to fraud than BI claims. Additionally, Florida also has year-round severe weather events, congested roadways, high accident frequency and fatal crashes.

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan. 

Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.

Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.

Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy. 

The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.