$72/mo
$81/mo
$83/mo
The car insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com.
The car owners in Florida pays on an average of $1711 for six months for car insurance, which is more than the national average. Mercury offers cheap and the best rates in Florida.
Mercury offers the cheapest liability coverage in Florida at $72/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Florida ↓
Travelers provides cheap full insurance coverage in Florida at $182/month, offering excellent value.
Read about the cheapest full coverage companies in Florida ↓
Nationwide is the cheapest option after an at-fault accident in Florida at $114 per month.
Read more about best car insurance companies after at-fault accident in Florida ↓
Travelers was named the best overall by J.D. Power and AM Best, making it a top pick among Florida’s best car insurers.
Check out the full list of the best car insurance companies in Florida ↓For drivers looking to meet Florida minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Florida is widely available from providers like Mercury at $72/month. If you opt for Farmers you will have to pay at least $110/month for your car insurance premium, which is the highest in Florida.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $428 | $72 |
| Nationwide | $475 | $81 |
| MetLife | $499 | $83 |
| AIG | $558 | $95 |
| United Automobile Ins Group | $719 | $120 |
| Travelers | $832 | $140 |
| State Farm | $1230 | $207 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Travelers offers the cheapest car insurance for full coverage in Florida at $182 per month. On the other hand Farmers offers the most expensive rate at $398 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1081 | $182 |
| State Farm | $1129 | $190 |
| Nationwide | $1182 | $199 |
| United Automobile Ins Group | $1366 | $232 |
| UAIC | $1509 | $254 |
| Progressive | $1782 | $300 |
| Mercury | $2578 | $430 |
Get Your Car Insurance Quote in Florida Instantly!
Travelers stands out as the best car insurance provider in Florida, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, State Farm is a top pick for drivers seeking value and reliability.
Travelers offers a six-month premium of $499, which amounts to approximately $85 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of State Farm is $511, which is higher than Travelers's by $12. Their higher monthly premium is, due to their strict policies on traffic violations.
Nationwide's premium is $701, which is significantly more expensive than State Farm's by $190. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $499 | $85 |
| State Farm | $511 | $85 |
| Nationwide | $701 | $119 |
| Progressive | $1538 | $256 |
| Allstate | $2441 | $415 |
Teens and young drivers in Florida often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Florida is
$4134 for 6 months, which is more than the national average.
Nationwide is the best options for cheap
car insurance for young drivers in Florida.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $541 | $90 |
| AIG | $731 | $124 |
| Travelers | $1954 | $329 |
| State Farm | $2412 | $406 |
| United Automobile Ins Group | $3368 | $561 |
| UAIC | $3451 | $587 |
| Allstate | $5132 | $864 |
Car insurance rates in Florida have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Florida rose by $283 in Feb compared to $256 of Jan. In other words, there has been an increase by $27 when you compare Feb and Jan.
The average cost of liability insurance in the Florida rose to $192 in Feb, compared to $83 in Jan. This represents an increase of $109 when comparing Feb and Jan.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Nationwide gives you the cheapest car insurance rate after an at-fault accident in Florida at $114/month. On the other hand Farmers is the most expensive option at $555/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Nationwide | $683 | $114 |
| AIG | $873 | $148 |
| State Farm | $1105 | $186 |
| Travelers | $1123 | $189 |
| United Automobile Ins Group | $1776 | $296 |
| Mercury | $1835 | $309 |
| UAIC | $1984 | $331 |
If you are living in Florida you should opt for Travelers. Travelers ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Florida, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Florida may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Florida after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1824 | $304 |
| One Med/PIP claim | $1824 | $310 |
| Not-at-fault accident | $1972 | $329 |
| Two Med/PIP claims | $2026 | $344 |
| One comp claim | $2055 | $343 |
| Child safety restraint | $2061 | $350 |
| Failure to wear a seat belt | $2061 | $344 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Florida is AIG at $109 per month. Farmers at $452 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| AIG | $642 | $109 |
| Travelers | $1230 | $207 |
| State Farm | $1527 | $257 |
| Progressive | $1693 | $285 |
| Allstate | $2293 | $386 |
| UAIC | $2691 | $448 |
| Farmers | $2715 | $452 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Gainesville | $1135 | $191 |
| Tallahassee | $1206 | $203 |
| Cape Coral | $1277 | $215 |
| Palm Bay | $1301 | $219 |
| Santa Rosa Beach | $1331 | $222 |
| Miramar Beach | $1342 | $228 |
| De Funiak Springs | $1348 | $225 |
| Defuniak Springs | $1348 | $229 |
| Freeport | $1348 | $225 |
| Destin | $1354 | $230 |
| Niceville | $1354 | $226 |
| Valparaiso | $1354 | $230 |
