Low-cost car insurance in Florida

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Drivers in Florida can find the cheapest average premium with Travelers, at $2,448 per year. By comparison, the statewide average monthly cost is $326. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Florida requires drivers to carry at least $10,000 in bodily injury coverage per person, $10,000 in bodily injury per accident, and $20,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Florida, depending on your situation.

Key Takeaways

Travelers offers the lowest car insurance rates in Florida, at $2,448 per year, which is about $1,468 the state average.
State Farm has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $3,220.
The ZIP code 32579 has the low-cost car insurance rates in Florida, at an average annual rate of $3,087.

Low-cost car insurance companies in Florida

Travelers offers the lowest car insurance rates in Florida, with an average annual premium of $2,448 per year. It’s $1,468 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	$2,448
State Farm	$2,758
UAIC	$2,837
GEICO	$2,974
Mercury Insurance	$3,643
Allstate	$5,064
Progressive	$5,676
AIG	$6,137

How we choose low-cost car insurance companies in Florida

195+

Carriers reviewed

65M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Florida

Drivers in the 32579 ZIP code pay the lowest average annual premium in Florida, at $3,087. See which other areas of the state offer more affordable rates below.

Zipcode	City	Average annual rates
32579	Lake Lorraine	$3,087
34134	Bonita Springs	$3,102
32550	Miramar Beach	$3,111
32605	Gainesville	$3,119
32578	Niceville	$3,120
34135	Bonita Springs	$3,128
32612	Gainesville	$3,135
32541	Destin	$3,137
32435	De Funiak Springs	$3,143
32542	Eglin AFB	$3,144

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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

Teenagers pay significantly more for car insurance than adults in Florida. For instance, a 16-year-old driver pays $12,378 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Florida.

Age group	Full coverage annual premiums
Teens (16-19)	$12,212
Young Adults (20-24)	$5,973
Adults (25-60)	$3,919
Seniors (65-75)	$3,670

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

A single speeding ticket in Florida can push your rates up by 34%, or about $1,322. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
State Farm	$2,758	$2,979	8%	$221
Travelers	$2,448	$3,556	45%	$1,108
UAIC	$2,837	$3,634	28%	$797
Mercury Insurance	$3,643	$4,541	25%	$898
Progressive	$5,676	$7,328	29%	$1,652
AIG	$6,137	$9,294	51%	$3,157

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 $3,220 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	$2,758	$3,220	17%	$462
Travelers	$2,448	$3,420	40%	$972
UAIC	$2,837	$3,656	29%	$819
GEICO	$2,974	$4,245	43%	$1,271
Mercury Insurance	$3,643	$5,403	48%	$1,760
Progressive	$5,676	$8,123	43%	$2,447
Allstate	$5,064	$9,135	80%	$4,071
AIG	$6,137	$9,663	57%	$3,526

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	$2,758	$2,979	8%	$221
Travelers	$2,448	$3,738	53%	$1,290
Mercury Insurance	$3,643	$4,768	31%	$1,125
UAIC	$2,837	$4,905	73%	$2,068
GEICO	$2,974	$5,302	78%	$2,328
Progressive	$5,676	$6,296	11%	$620
Allstate	$5,064	$6,677	32%	$1,613
AIG	$6,137	$8,606	40%	$2,469

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 $1,338 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 car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Florida, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest 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 violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 65,756,440 insurance quotes from 195 insurance companies across 34,595 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.

Read more about our research standards and methodology.

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.