Most drivers are paying too much for auto insurance. You might be one of the drivers that feels the effects of the skyrocketing insurance rates! Florida is known for its beauty and it’s also known for its high cost of auto and home insurance. In this article, we will help you to find cheap car insurance in Florida. To save the most money on auto insurance make sure to compare quotes today which may result in saving 15% or more on your next insurance policy.
Car insurance quotes Florida
Florida is the 5th most expensive state for auto insurance with an average insurance premium of around $1,840. For per month insurance rates in Florida you can expect to pay around $153. The states that are more expensive than Florida are Michigan with an average insurance premium of $2394. After Michigan comes Louisiana with an average insurance premium of $1921. In third places comes Connecticut with an insurance premium of $1897. Then, comes Rhode Island with an annual premium of $1848. Why is car insurance in the state of Florida so high you ask?
Auto insurance in Florida is so high because of its traffic density and its urban population. Growing fast moving city highways means more accidents and more accidents means higher insurance premiums. There are a lot of claims being written in Florida, millions of tourists who come to visit, a lot of crime in certain areas, young teen drivers who like driving fast on the road, older drivers who drive too slow, etc. All of these things contribute to higher rates.
Cheapest cities in Florida for car insurance
Gainesville
The average cost of auto insurance in Gainesville, FL is around $970.
Neighborhoods and cities in Alachua County, FL.
- College Park
- Hogtown
- Highland Court Manor
- Duckpond
- Grove Street
- Kensington Park
- Northwood
- Bartram Woods
- Lincoln Estates
- Black Acres
- Alachua
- High Springs
- Newberry
- Hawthorne
- Micanopy
- Archer
- Waldo
- La Crosse
Panama City
Panama City offers some of the lowest rates in the state. Rates in Panama City average slightly under $1000.
Neighborhoods and cities in Bay County, FL.
- Venetian Villa
- Delwood Estates
- Bunkers Cove
- Forest Park Village
- Segler Heights
- Bonita Avenue Relocation
- Northshore Addition Phase VII
- Oak Hammock Subdivision
- Forest Hills
- Lynn Haven
- Callaway
- Mexico Beach
- Cedar Grove
- Springfield
- Hiland Park
- Parker
Tallahassee
Tallahassee is another cheap city for auto insurance. In Tallahassee, you can find rates around $1000.
Neighborhoods and cities in Leon County, FL.
- Killearn Estates
- Villas of Westridge
- Betton Hills
- Leon Arms
- Amelia Circle
- Blairstone Forest
- Woodville
Jacksonville
Auto insurance rates in Jacksonville, FL will cost you around you $1250.
Neighborhoods and cities in Duval County, FL.
- San Marco
- Mayport
- Mandarin
- Greater Arlington
- Northside
- Five Points
- Avondale
- Baymeadows
- Atlantic Beach
- Baldwin
- Neptune Beach
Most expensive cities in Florida
Miami
The most expensive city to insure your vehicle in Florida is Miami. Yearly auto insurance rates in Miami average to about $2200. Hialeah averages about $2200 annually as well. One of the main reasons is because it is a city in Miami-Dade County.
Neighborhoods and cities in Miami-Dade County, FL.
- Brikell
- Wynwood
- Little Havana
- Aventura
- Coconut Grove
- Miami Design District
- Little Haiti
- Overtown
- Watson Island
- Doral
- Palmetto Bay
- Miami Gardens
- Homestead
- Key Biscayne
- Opa-locka
- Coconut Grove
- Edgewater
- Buena Vista
- Liberty City
Tampa
Yearly Tampa is around $360 cheaper than Miami and Hialeah.
Neighborhoods and cities in Hillsborough County, FL.
- Ybor City
- Hyde Park
- Seminole Heights
- Davis Islands
- Palma Ceia
- Ruskin
- Seffner
- Thonotosassa
- Plant City
- Temple Terrace
- Hunters Green
- Balm
- Bay Crest Park
- Tampa Palms
- Sunset Park
- West Tampa
- Tampa Heights
Fort Lauderdale
In Fort Lauderdale and Pembroke Pines you can get auto insurance for $1750 a year.
Neighborhoods and cities in Broward County, FL.
- Flagler Village
- Victoria Park
- Coral Ridge
- Imperial Point
- Lauderdale Manors
- Coral Springs
- Plantation
- Miramar
- Coconut Creek
- Tamarac
- Lighthouse Point
- Southwest Ranches
- Sunrise
- Davie
- Dania Beach
- Lauderhill
- Wilton Manors
- Hollywood
- Hallandale Beach
- Harbordale
- Rock Island
- Croissant Park
- Colee Hammock
- Rio Vista
- Melrose Manors
- Middle River Terrace
- Poinciana Park
- Tarpon River
- Pompano Beach
- Oakland Park
St. Petersburg
St. Petersburg, FL auto insurance rates average to around $1500 a year.
Neighborhoods and cities in Pinellas County, FL.
- Coquina Key
- Kenwood Historic District
- Driftwood
- Bay Pines
- Belleair
- Clearwater
- Dunedin
- East Lake
- Feather Sound
- Harbor Bluffs
- Palm Harbor
- Pinellas Park
- Redington Beach
- Ridgecrest
- Tarpon Springs
- Tierra Verde
- Indian Shores
- Gulfport
- Seminole
- Kenneth City
- Largo
- Lealman
- Greater Pinellas Point
- Jungle Prada Neighborhood
- Euclid/St Paul’s
Orlando
Annual auto insurance premiums in Orlando are around $80 cheaper than St. Petersburg and over $300 cheaper than Fort Lauderdale.
Neighborhoods and cities in Orange County, FL.
- Lake Nona
- Thornton Park
- Pine Hills
- Parramore
- MetroWest
- College Park
- Ocoee
- Delaney Park
- Lake Underhill
- Carver Shores
- Engelwood Park
- Alafaya
- Apopka
- Azalea Park
- Bay Hill
- Bay Lake
- Belle Isle
- Doctor Phillips
- Windermere
- Winter Garden
- Winter Park
- Hunters Creek
- Lake Buena Vista
- Oak Ridge
- Orlovista
Port St. Lucie
Drivers in Port St. Lucie pay around $1260 on their annual insurance premium.
Neighborhoods and cities in St. Lucie County, FL.
- Fort Pierce
- White City
- River Park
- Indian River Estates
- Lakewood Park
- Jensen Beach
- Indiantown
Most popular cars in Florida
Here are the 15 most popular vehicles in South Florida. In Florida, the Toyota Corolla is the most common vehicle. In 2014, MotorTrend reported that the Corolla was the 4th most popular vehicle in all states.
- Toyota Corolla
- Honda Accord
- Toyota Camry
- Honda Civic
- Toyota RAV4
- Nissan Rogue
- Ford F series
- Honda CR-V
- Hyundai Elantra
- Hyundai Sonata
- Chevy Silverado
- Ram Truck
- Lexus NX
- Nissan Altima
- Volkswagen Jetta
Car insurance for seniors in Florida
In Florida seniors usually pay more than regular adult drivers.
There are a plethora of states that require senior citizens to be given a discount on auto insurance. A few of these states include California, Delaware, Tennessee, New York, Oklahoma, and Florida. You don’t have to be 60, 70, or 80 years old to start enjoying senior discounts. Most insurance companies offer discounts and benefits to drivers who are 50 years old and older. For example, GEICO offers a Prime Time contract. With this discount, you are given guaranteed renewal. With an insurance carrier such as Direct General, drivers who are 55 years old or older could save up to 5% on certain coverages.
Florida minimum insurance coverage
You are required by Florida law to have auto insurance. If you get caught without auto insurance, then you could face penalties such as tickets, driver license suspension, your vehicle being towed, reinstatement fees, or jail time if you are involved in a serious accident or you are a repeat offender.
Florida is a no-fault insurance state. Your insurance carrier will pay for any medical costs up to the limit of your insurance policy.
- $10,000 property damage liability per accident
- $10,000 personal injury protection
Best auto insurance companies in Florida 
GEICO might be the #1 car insurance carrier in Florida. Although rates differ depending on where that you live in Florida, I’ve noticed that GEICO offers some of the cheapest insurance rates for Florida drivers. When I compared quotes, GEICO came out on top with giving me the lowest rates.
What I love about GEICO is that Florida employees and students will be able to save with their membership discounts. Alumni’s from the following schools are able to save.
- Florida Agricultural and Mechanical University Alumni Association
- Florida Atlantic University Alumni Association
- Florida Gulf Coast University Alumni Association
- Florida Institute of Technology Alumni Association
- Florida International University
- Florida Memorial University Alumni Association
- Florida Southern College Alumni Association
- University of Central Florida Alumni Association
- University of Florida Alumni Association
- University of North Florida Alumni Association
- University of South Florida Alumni Association
- University of West Florida National Alumni Association
You can also save with GEICO if your vehicle has air bags, an anti-theft system, daytime running lights, etc. If you have been accident-free for the past 5 years, then you can save up to 26% with their good driver discount. If you have many vehicles that you want to insure, then you may be able to get an insurance discount of up to 25%. If you are part of the military family you will be able to receive a discount of up to 15% on your total premium.
With GEICO, not only are you getting an insurance provider that will give you affordable rates, but you are also given an insurance provider that does well in claims according to J.D. Power. In the recent J.D. Power Auto Insurance comparison GEICO rated above average receiving 4 out of 5 Power Circles in Overall Satisfaction.
Florida Farm Bureau
Florida Farm Bureau offers some of the lowest insurance rates in Florida.
The only drawback of insuring with Florida Farm Bureau is that you have to pay a small yearly fee before you can join their program. However, once you sign up you can enjoy their low rates. Along with low rates you are given many benefits with Florida Farm Bureau. WITH FFB you will receive hotel discounts, travel discounts, health and wellness discounts, family entertainment discounts, Orlando employee discounts, and more.
Florida Farm Bureau offers insurance for personal auto, flood, homeowners, life, farm & ranch property & casualty, crop protection, umbrella coverage, personal items, commercial property & casualty.
FFB offers various insurance discounts to reduce your premium. You are given discounts such as an account discount, good student discounts, driver training discounts, multi-car discount, and claims-free discount. With Florida Farm Bureau, you will receive three additional coverage options for free. You will receive identity theft resolution services, pet injury coverage, and transportation expense endorsement enhancement.
Florida Farm Bureau received an Excellent “A” financial strength, which shows that they are financially stable enough to handle your future insurance claims. FFB received an “A+” rating from Better Business Bureau which reveals that they handle customer complaints well.
Auto-Owners
Auto-Owners is a respected insurance carrier that has been offering insurance since 1916. The company is based in Delta Township, Michigan and has over $6 billion in written premium making it the 17th largest insurance provider in the United States. A.M Best awarded Auto-Owners with an “A++” financial strength rating. Auto-Owners has more than $20 billion in assets.
In the Florida portion of the J.D. Power Auto Insurance Study, Auto-Owners received the award for the top company. Auto-Owners was the highest ranked company in Central and North Central as well. In the Overall Customer Satisfaction Index Ranking Auto-Owners received 892 points on a 1000-point scale.
The biggest drawback of Auto-Owners is that it is only available in 26 states. However, it is available in Florida and with Auto-Owners you are given a company that handles claims exceptionally well.
The company received an “A+” from BBB and has been a BBB accredited company since 2016. Auto-Owners received 4 out of 5 stars in the Composite Score.
With Auto-Owners you can save by bundling multiple policies, have a positive payment history for 36 months, enrolling in paperless billing, favorable loss history, being a good student, having safety features in your vehicle, paying your insurance premium in full, and more.
Travelers
Travelers has been around for more than 160 years and today the company has over 30,000 employees.
Travelers offers insurance for various different types of products such as home, car, renters, condo, boat and yacht, landlord, umbrella, jewelry and valuable products, and wedding & events insurance. You can bundle these different products with your auto insurance to save up to 13% on your insurance policy.
Travelers Insurance is known for their affordability and positive customer service experience. With Travelers, there are 14 ways that you will be able to save on auto insurance. Their safe driving discount will help policyholders to save up to 23% depending on how long that you went without any accidents, violations, or major comprehensive claims. If you recently bought a new vehicle, then you may qualify for a discount of up to 10%.
One of the best ways that Florida drivers can save on auto insurance is with the Travelers IntelliDrive Program. This program is similar to other usage-based programs. With IntelliDrive healthy driving habits can save you up to 20%. However, unhealthy driving habits such as speeding can result in a premium increase.
From Better Business Bureau Travelers received an “A+” Grade. They have been BBB accredited since 07/07/2010.
Safeco
Safeco was founded in 1923. Today Safeco is used by over 4 million people around the United States.
Safeco is well-known for offering low rates. Safeco offers low rates to Florida drivers. However, some states receive higher quotes from Safeco. Once again, this is why it is important to compare insurance rates. If you desire a company that offers insurance discount based on well you drive, then Safeco is a great option. If you are confident in your driving skills, then Safeco offers RightTrack to their policyholders. RightTrack significantly reduces your auto premium by as much as 30%. Signing up is simple. Just by enrolling in the program you will receive an initial discount off your insurance premium. Once you have your RightTrack device plugged in, then drive with this device for 90 days. After the 90-day period unplug your device and send it back to Safeco and you will receive your final savings amount through email.
Safeco offers good extended coverage and they are especially great for drivers under 25 years old who are looking to save on auto insurance.
Safeco has a financial strength rating of Liberty Mutual. A.M. Best gave Safeco an Excellent “A” rating. Moody’s gave Safeco an A2 (Good) rating. Safeco received a Strong “A-” rating from S&P.
USAA
In 2015, it was reported that USAA had over 11.4 million members. USAA has a great reputation for their customer service experience. USAA rated well across the boards. A.M. Best gave them the highest financial strength rating possible with an “A++” rating.
Here is what you must know before insuring with USAA. Unlike some of the other insurance carriers on this list, USAA is not available to all drivers. USAA is strictly for active and retired military personnel. USAA extends to families of veterans including in-laws. If you do not fit in this category, then USAA is most likely not for you. However, if you do fit this category, then you can benefit greatly from this company. USAA offers multiple insurance solutions and benefits for retirees. With USAA, you will receive every day discounts on car rentals, flights, hotels & resorts, cruises and tours, travel insurance. You will even be able to receive discounts on ADT Home Security, Tenant Screening, FedEx shipping rates, and more. In the 2017 J.D. Power Automotive Insurance Claims Study USAA received 5 out of 5 Power Circles in Overall Satisfaction, First Notice of Loss, and the Repair Process. They received 4 out of 5 Power Circles in Claim Servicing, the Estimation Process, the Rental Experience, and the Settlement Process.
State Farm
State Farm may not be the cheapest auto insurer on this list, but they are the most popular auto insurer in the United States. Also, they have an immense number of insurance discounts, which is one of the perks of being a larger company.
The four main ways that Safe drivers can save on auto insurance are Drive Safe & Save, Steer Clear, their Accident-Free discount, and their Good Driving discount.
When you enroll in the Drive Safe & Save program State Farm claims that you can save as much as 50% on auto insurance. Download the free mobile app which will collect basic information about your driving. The information received from the insurance app will be used to calculate how much that you will be able to save.
The app will collect things such as distance driven, braking and stops, speed, time of day that you drive, acceleration, left & right-hand turns. If you don’t mind a GPS tracker, then Drive Safe & Save might be a perfect program for you to look into.
The Steer Clear program helps new drivers who are under the age of 25 without any at-fault accidents or moving violations to save up to 15% on auto insurance. Not only will you be able to save, but you will also learn how to become a safer driver. This is a good insurance program for your teen drivers.
Direct Auto & Life
Direct General was founded in 1991 and is headquartered in Nashville, TN.
Direct General is not as popular as some of the other insurance carriers, but I was able to receive cheap quotes from Direct General. Whether you need liability or full coverage I believe Direct will offer you reasonable rates. Depending on what vehicle you want to insure and what your driving history looks like, Direct might offer you top rates. Direct General specializes in offering insurance to high-risk drivers at better than average rates. Drivers with DUIs, drivers with a bad credit score, having at-fault accidents, having a DWI, having no prior insurance are great candidates for Direct General. Active members of the army are able to save up to 25%. A clean driving record can result in up to a 10% discount. Full-time students in high school or college who maintain a “B” average or higher can save up to 10% with their good student discount. If you drive less than average, then you will be able to save up to 5% on their mileage discount. If you or your spouse owns a home, then you can save up to 20%. Although Direct General is not a BBB accredited company, they did receive an “A+” in the BBB rating system overview. Direct General received an Excellent “A-” financial strength rating from A.M. Best.
Bristol West
Bristol West was founded in 1973 and it is based in Davie, FL. In July of 2007 the company become part of Farmers Insurance Group.
You might be able to get a more affordable rate with Bristol West. Many people desire an insurance company with no down payments. However, you will not find this, but you may be able to find a company with low down payments and that is what you get with Bristol West.
Here is what you should take into consideration. Insurance is sold through agents and brokers. Bristol West can provide coverage up to a maximum car value of $125,000 for collision and comprehensive coverages.
Bristol West has many insurance discounts that you can look forward to such as discounts for proof of prior insurance, prior coverage limits, homeownership, financial stability, mature driver course completion, insuring multiple cars, minor child driver, students away from home at school discount, drivers without accidents or violations in the past three years discount, paid in full discount, Electronic Funds Transfer discount, and more.
Bristol received an “A” financial strength rating from A.M. Best.
Bristol West might not be the most attractive company out there, but may offer a lower down payment and they offer over 10 discounts that may help to reduce auto insurance costs.
Bottom line
Today we reviewed many awesome insurance carriers that can be used by Florida drivers. Let’s find out which one gives you the best rates by comparing insurance rates.