Low-cost car insurance in Florida

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In Florida, Travelers offers the cheapest average premium at $2,520 per year. For comparison, the statewide average monthly cost is $321, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Florida, the minimum liability requirement is $10,000 for bodily injury per person, $20,000 for bodily injury per accident, and $10,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

Travelers has the cheapest average premium in Florida, coming in at $2,520 per year – about $1,332 compared to the state average.
For drivers with an at-fault accident on their record, State Farm offers the lowest rates, with annual costs averaging $3,098.
The 34138 ZIP code is the least expensive area in Florida for car insurance, with an average yearly premium of $2,705.

Low-cost car insurance companies in Florida

Travelers offers the lowest car insurance rates in Florida, with an average annual premium of $2,520 per year. It’s $1,332 less expensive than the average car insurance cost in Florida. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

Company	Average annual rates
Travelers	$2,520
UAIC	$2,612
State Farm	$2,681
GEICO	$2,865
Nationwide	$3,335
Mercury Insurance	$4,144
Allstate	$4,531
Farmers	$4,777
National General	$4,961
Progressive	$6,622

How we choose low-cost car insurance companies in Florida

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Florida

Drivers in 34138 benefit from the lowest average premium in the state, at $2,705 per year. See the table below to find other ZIP codes in Florida where insurance tends to be cheaper.

ZIP code	City	Average annual rates
34138	Chokoloskee	$2,705
34139	Everglades City	$2,705
34145	Marco Island	$2,737
34110	Naples	$2,768
34119	Naples	$2,828
34108	Pelican Bay	$2,849
34109	Naples	$2,863
34287	North Port	$2,876
34224	Englewood	$2,893
34114	Naples	$2,899

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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 city

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Low-cost car insurance in Florida by age

Teen drivers in Florida pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $11,676 more than a 40-year-old driver in Florida.

The table below shows low-cost car insurance rates for drivers of different ages.

Age group	Full coverage annual premiums
Teens (16-19)	$12,023
Young Adults (20-24)	$5,953
Adults (25-60)	$3,844
Seniors (65-75)	$3,813

Low-cost car insurance in Florida by driver history

Insurers 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 Florida

One speeding ticket in Florida can cause your insurance rates to jump by 40%, or roughly $1,559 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
State Farm	$2,681	$2,881	7%	$200
Travelers	$2,520	$3,653	45%	$1,133
GEICO	$2,865	$4,979	74%	$2,114
Nationwide	$3,335	$5,126	54%	$1,791
Mercury Insurance	$4,144	$5,361	29%	$1,216
National General	$4,961	$5,846	18%	$884
Farmers	$4,777	$8,116	70%	$3,339
Progressive	$6,622	$8,577	30%	$1,955

Low-cost car insurance after an accident in Florida

State Farm offers the lowest car insurance rates to drivers after an at-fault accident at $3,098 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
State Farm	$2,681	$3,098	16%	$417
Travelers	$2,520	$3,493	39%	$973
GEICO	$2,865	$4,113	44%	$1,248
Nationwide	$3,335	$4,701	41%	$1,365
National General	$4,961	$6,402	29%	$1,440
Mercury Insurance	$4,144	$7,047	70%	$2,903
Farmers	$4,777	$7,506	57%	$2,729
Allstate	$4,531	$7,992	76%	$3,461
Progressive	$6,622	$9,693	46%	$3,071

Low-cost car insurance after a DUI in Florida

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Florida are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
State Farm	$2,681	$2,881	$200	7%
Travelers	$2,520	$3,842	$1,322	52%
GEICO	$2,865	$5,147	$2,282	80%
National General	$4,961	$5,211	$249	5%
Allstate	$4,531	$5,930	$1,399	31%
Mercury Insurance	$4,144	$6,124	$1,979	48%
Nationwide	$3,335	$7,098	$3,762	113%
Progressive	$6,622	$7,391	$769	12%
Farmers	$4,777	$12,494	$7,718	162%

Average cost of car insurance Florida

While 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 $1,339 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 includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Florida, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

It’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.

Methodology

Insure.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 violations 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 applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing 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.