Home Car insurance Car insurance rates by state Low-cost car insurance in Florida Low-cost car insurance in Florida State Farm offers the lowest car insurance rates in Florida, based on our data. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 23, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. State Farm provides the lowest car insurance rates in Florida at $2,119 a year. The average premium is $224 per month in Florida, though your actual rate may vary. Car insurance requirements differ by state. In Florida, drivers are required to carry at least the minimum liability coverage: $10,000 for bodily injury per person, $20,000 for bodily injury per accident, and $10,000 for property damage per accident.Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.Below, you’ll find which insurance companies are the most affordable for different categories. Key Takeaways State Farm has the lowest average car insurance premium in Florida, costing $2,119 per year. That’s 21% the state average.For drivers with an at-fault accident on record, State Farm offers the most affordable coverage at around $2,448 annually.The 32538 ZIP code stands out as the cheapest area for auto insurance in Florida, with an average yearly cost of $2,286. Low-cost car insurance businesses in FloridaWhen comparing insurers in Florida, State Farm leads the pack with an annual average of $2,119. That’s 21% less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.Here are the annual averages from the most affordable insurance companies in Florida.CompanyAverage annual ratesState Farm$2,119Nationwide$2,150GEICO$2,214Travelers$2,356UAIC$2,796Progressive$2,902National General$3,103Farmers$3,261Mercury Insurance$3,358Allstate$3,569Powered by:How we choose low-cost car insurance companies in Florida 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in FloridaIn Florida, drivers living in the 32538 ZIP code enjoy the lowest average annual premium at $2,286. Check the table below to see which other ZIP codes in the state have more affordable rates.ZIP codeCityAverage annual rates32538Paxton$2,28632422Argyle$2,28932610Gainesville$2,28932434Mossy Head$2,29232459Santa Rosa Beach$2,29632320Apalachicola$2,29832439Freeport$2,30332435De Funiak Springs$2,30432328Eastpoint$2,30732433Defuniak Springs$2,313Powered by: You might find interesting Average car insurance cost in FloridaCar insurance calculator for teens in FloridaCheapest SR-22 insurance in FloridaDo you need insurance to register a car in Florida?Florida car insurance calculatorHow long does a speeding ticket stay on your record in FloridaHow much car insurance costs in Florida vs. New JerseyHow much car insurance costs in Florida vs. New YorkHow much car insurance costs in Florida vs. North CarolinaHow much car insurance costs in Florida vs. TexasHow much is gap insurance in FloridaNon-owner car insurance in Florida: Which company has the cheapest rates?The best, cheapest car insurance in FloridaBest and cheapest companies for home and auto bundles in Florida Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Florida by cityJacksonvilleMiamiOrlandoTampa Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Low-cost car insurance in Florida by ageYoung drivers often face the highest premiums. In Florida, for example, a 16-year-old pays $6,316 more than a 40-year-old driver.The table below shows how rates change by age group.Age groupFull coverage annual premiumsTeens (16-19)$7,264Young Adults (20-24)$4,090Adults (25-60)$2,716Seniors (65-75)$2,636Powered by:Low-cost car insurance in Florida by driver historyInsurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.Low-cost car insurance after a speeding ticket in FloridaJust one speeding ticket in Florida can raise your rates by 40% – $1,090 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseState Farm$2,119$2,2767%$157Nationwide$2,150$3,30554%$1,155Travelers$2,356$3,41645%$1,060National General$3,103$3,65618%$553Progressive$2,902$3,75930%$857GEICO$2,214$3,84874%$1,634Mercury Insurance$3,358$4,34429%$986Farmers$3,261$5,54170%$2,280Powered by:Low-cost car insurance after an accident in FloridaBeing at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. State Farm is the lowest-cost option for these drivers, with an average annual premium of $2,448.If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseState Farm$2,119$2,44816%$329Nationwide$2,150$3,03041%$880GEICO$2,214$3,17944%$965Travelers$2,356$3,26539%$909National General$3,103$4,00429%$901Progressive$2,902$4,24946%$1,347Farmers$3,261$5,12457%$1,863Mercury Insurance$3,358$5,71070%$2,352Allstate$3,569$6,29576%$2,726Powered by:Low-cost car insurance after a DUI in Florida]A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Florida keep their premiums lower than others. The table below shows the most affordable options available after a DUI.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseState Farm$2,119$2,276$1577%Progressive$2,902$3,239$33712%National General$3,103$3,259$1565%Travelers$2,356$3,592$1,23652%GEICO$2,214$3,978$1,76480%Nationwide$2,150$4,575$2,425113%Allstate$3,569$4,671$1,10231%Mercury Insurance$3,358$4,962$1,60448%Farmers$3,261$8,529$5,268162%Powered by:Average cost of car insurance FloridaWhile full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.In Florida, the average cost of full coverage is $799 more compared to the national average.We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.What is full coverage car insurance?Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.If you lease or finance your vehicle in Florida, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.The bottom line on saving and staying protectedIt’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Florida.MethodologyInsure.com gathered data from Quadrant Information Services to get car insurance rates in Florida. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)We determined the premiums for a high-risk driver with the following incidents applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2025? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance in 2025 Do your car insurance and registration have to be under the same name? How does mileage affect car insurance rates in 2025? What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2025 Average cost of gap insurance in 2025 Is $200 a month a lot for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does car insurance cost a month in 2025? How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Low-cost car insurance businesses in FloridaHow we choose low-cost car insurance companies in FloridaZIP codes with the cheapest car insurance in FloridaLow-cost car insurance in Florida by ageLow-cost car insurance in Florida by driver historyAverage cost of car insurance FloridaWhat is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330