{"id":324654,"date":"2025-11-14T08:10:31","date_gmt":"2025-11-14T13:10:31","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=88414"},"modified":"2025-11-14T08:10:32","modified_gmt":"2025-11-14T13:10:32","slug":"best-in-florida","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-florida\/","title":{"rendered":"The Best Florida Car Insurance Companies"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Car Insurance Companies In Florida Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Allstate, Geico, State Farm, and Progressive made our list of best car insurance companies in Florida.<\/li><li>Across recent 2025 Florida rate analyses, State Farm and Geico often return among the lowest average quotes for many driver profiles (actual premiums vary by ZIP, vehicle, and history; see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-state\">NerdWallet<\/a>).<\/li><li>The latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">J.D. Power U.S. Auto Insurance Study<\/a> shows mixed satisfaction results by region; performance varies among large national carriers.<\/li><\/ul>\n\n\n\n<p>When choosing a Florida auto insurance company, it is important for consumers to have a peace of mind that their company will protect them in the event of an accident. To achieve that level of confidence, your car insurance policy should have adequate coverage at an affordable price. Unfortunately, the best car insurance rates in Florida are often <a href=\"https:\/\/content.naic.org\/publications\">higher on average<\/a> than other states \u2014 and they have risen sharply since 2021 \u2014 so shopping around for car insurance quotes in Florida, comparing discounts\/telematics, and bundling when appropriate can help. Recent data from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-state\">NerdWallet<\/a> and the <a href=\"https:\/\/www.bls.gov\/cpi\/\">BLS CPI<\/a> all point to elevated premiums in 2024\u20132025.<\/p>\n\n\n\n<p>To determine the best car insurance in Florida, we have analyzed the <a href=\"https:\/\/www.reviews.com\/insurance\/car\/the-largest-car-insurance-companies\/\">top insurance companies by market share<\/a> and reviewed AM Best ratings, J.D. Power rankings, coverage availability, discounts, and average cost. Based on current stability, broad coverage options, and pricing tendencies seen in recent statewide comparisons, State Farm and Geico frequently price below the Florida average for many profiles, Progressive is often mid-pack, and Allstate often skews higher \u2014 but individual quotes vary widely. Use our <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-florida\/#method\">methodology<\/a> and shop multiple carriers to find your best fit.&nbsp;<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Auto Insurance Companies in Florida<\/h2>\n\n\n\n<ul><li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>: Feature-rich options (e.g., accident forgiveness, new car replacement); often priced higher than the Florida average<\/li><li><a href=\"#geico\" rel=\"nofollow\" class=\"achor-toggles\">Geico<\/a>: Often among the lowest average rates in Florida for many driver profiles<\/li><li><a href=\"#statefarm\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a>: Strong telematics and discount programs; frequently returns low quotes<\/li><li><a href=\"#progressive\" rel=\"nofollow\" class=\"achor-toggles\">Progressive<\/a>: Best for broad discounts and Snapshot telematics; competitive for diverse profiles<\/li><\/ul>\n\n\n    \n\n\t\t\n<section id=\"block_6067ade2e343a\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Car Insurance Companies in Florida<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\t Full Coverage Annual Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\t State Minimum Annual Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\t AM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\t J.D. Power Overall Customer Satisfaction*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_6067ade2e343a-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,441<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,138<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> 846<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6067ade2e343a-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\"> Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,085<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$841<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> 823<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6067ade2e343a-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\"> State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,739<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$842<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>848<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6067ade2e343a-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\"> Progressive<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,573<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,356<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td> 822<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Note: The comparison block above reflects 2021 figures. For current averages and rankings, see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Bankrate\u2019s Florida averages<\/a> and the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power study<\/a>.<\/em><\/p>\n\n\n\n<p><em>*Some data originally provided by Bankrate.com; for updated figures, see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Bankrate (Florida)<\/a>.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">U.S. Auto Insurance Study<\/a> results are reported on a 1,000-point scale and vary by U.S. region. <\/em><\/p>\n\n\n\n            <span class=\"b-anchor\" id=\"allstate\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"Best for Customer Service\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Cheapest Car Insurance<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Florida is one of the most expensive states for car insurance in the nation. As a major provider, Allstate provides drivers with all of the tools they need an insurance company to have at the lowest price. \n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,571352,6720045&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/affiliate-autoplanners.html?CID=AFF-REV-AU-073845-200616&#038;campaign=444490000073845&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325305-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,138*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">846**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Florida is one of the most expensive states for car insurance in the nation. As a major provider, Allstate provides drivers with all of the tools they need an insurance company to have at the lowest price. \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Excellent financial strength<\/li>\n                            <li>No. 1 for customer satisfaction in Florida <\/li>\n                            <li>Lower than average premiums<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Higher than average complaints from NAIC<\/li>\n                                        <li>Claims satisfaction guarantee not in all states<\/li>\n                                        <li>Missing multi-car discount<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-On Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Full coverage<\/li>\n<li>Sound system insurance<\/li>\n<li>Roadside coverage<\/li>\n<li>Rental reimbursement coverage<\/li>\n<li>Medical payments<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>New car<\/li>\n<li>Multiple policy<\/li>\n<li>Smart student<\/li>\n<li>Pay in full<\/li>\n<li>Safe driving<\/li>\n<li>Early signing<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\"><span style=\"font-weight: 400;\">Allstate Car Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\"><span style=\"font-weight: 400;\">Allstate Home Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\"><span style=\"font-weight: 400;\">Allstate Renters Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"geico\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"Best for Cheap Florida Car Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Geico<\/h2>\n\n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Service<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Filing a claim is never stress free regardless of how easy it is. Geico\u2019s customer service department knows this and scores top marks for how it treats its policyholders year after year. \n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$841*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">823**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Filing a claim is never stress free regardless of how easy it is. Geico\u2019s customer service department knows this and scores top marks for how it treats its policyholders year after year. \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Excellent financial strength<\/li>\n                            <li>Highly rated mobile app<\/li>\n                            <li>Affordable policies<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Lower than average claims satisfaction from NAIC<\/li>\n                                        <li>Few local agents<\/li>\n                                        <li>Higher than average complaint index<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-On Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured\/underinsured motorist<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency road service<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mechanical breakdown insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical payments coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident forgiveness<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Military<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Federal employees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Driver\u2019s education course<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-vehicle <\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Geico Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\"><span style=\"font-weight: 400;\">Geico Car Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/geico-review\/\"><span style=\"font-weight: 400;\">Geico Home Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-state-farm\/\"><span style=\"font-weight: 400;\">Geico vs. State Farm<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"statefarm\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"Best for Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Premium Reducing Programs<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Why we chose it: State Farm offers unique discount options such as Drive Safe &#038; SaveTM, which uses your smartphone app to analyze your driving habits. Just as the name implies, if you drive safe you save.  \n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$842*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">848**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Why we chose it: State Farm offers unique discount options such as Drive Safe &#038; SaveTM, which uses your smartphone app to analyze your driving habits. Just as the name implies, if you drive safe you save.  \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Wide customer service network<\/li>\n                            <li>Rideshare coverage available<\/li>\n                            <li>More discounts than competitors<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Higher than average complaints from NAIC<\/li>\n                                        <li>No gap insurance<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-On Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collision\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprehensive<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rideshare\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Teen drivers<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-line\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safe driver<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Defensive driving course<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multiple auto<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More State Farm Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\"><span style=\"font-weight: 400;\">State Farm Auto Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/state-farm-renters-review\/\"><span style=\"font-weight: 400;\">State Farm Renters Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\"><span style=\"font-weight: 400;\">State Farm Home Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"progressive\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"Best for Coverage Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Progressive<\/h2>\n\n\n                                                \n\n\n<section id=\"progressive\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Progressive<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Progressive offers a page full of discounts, most of which are easily obtainable. Choose to bundle policies, and drivers could save a lot of money on their car insurance in Florida. \n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325339-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,356*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">822**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Progressive offers a page full of discounts, most of which are easily obtainable. Choose to bundle policies, and drivers could save a lot of money on their car insurance in Florida. \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Multiple options for coverage<\/li>\n                            <li>Wide range of discounts<\/li>\n                            <li>Name Your Price Tool<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Average customer satisfaction in the region<\/li>\n                                        <li>Lower than average claims satisfaction<\/li>\n                                        <li>Higher than average premiums<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-On Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gap insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pet coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rideshare<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Custom parts and equipment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deductible savings bank<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Snapshot<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Continuous insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homeowner<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paperless<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident forgiveness<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Progressive Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/progressive-review\/\"><span style=\"font-weight: 400;\">Progressive Auto Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/progressive-review\/\"><span style=\"font-weight: 400;\">Progressive Home Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Data provided by Bankrate.com, price based on the state minimum required policy.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">U.S. Auto Insurance Study<\/a> results are reported on a 1,000-point scale and vary by U.S. region. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"The Average Cost of Car Insurance in Florida\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Florida<\/h2>\n\n\n\n<p>Recent 2025 analyses show Florida remains among the most expensive states for auto insurance. Typical statewide averages cluster around $3,000\u2013$4,300 per year for full coverage and about $1,100\u2013$1,700 per year for minimum coverage, depending on methodology and driver profile. See the latest Florida averages from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/car-insurance-rates-state\">NerdWallet<\/a>.<\/p>\n\n\n\n<p>Florida auto insurance costs more than other states for several reasons. Fatality risk remains higher than the national average (<a href=\"https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/state-by-state\">IIHS<\/a>), the state still has a high share of uninsured motorists \u2014 about 16% as of 2022 (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\">Insurance Information Institute<\/a>) \u2014 and recurring hurricanes and floods drive large claim volumes and severity (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>). Nationally, the <a href=\"https:\/\/www.bls.gov\/cpi\/\">CPI for motor vehicle insurance<\/a> saw sustained double\u2011digit increases through late 2024 and remained elevated into 2025, reflecting broader claim\u2011cost pressures.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"Top 2 Cheapest Car Insurance Companies in Florida\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 2 Cheapest Car Insurance Companies in Florida&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Minimum Coverage Premium*<\/strong><\/td><\/tr><tr><td>Geico<\/td><td>Often among the lowest for minimum coverage (varies by driver profile)<\/td><\/tr><tr><td>State Farm<\/td><td>Often among the lowest for minimum coverage (varies by driver profile)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data source: <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Bankrate (2025 Florida analysis)<\/a>; prices vary by driver profile.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"Top 2 Most Expensive Car Insurance Companies in Florida\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Florida Auto Insurance Company Average Premiums <\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Florida Auto Insurance Company<\/strong><\/td><td><strong>Full Coverage Avg. Annual Premium<\/strong><\/td><td><strong>State Minimum Liability Avg. Annual Premium<\/strong><\/td><\/tr><tr><td>Geico<\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">See current averages<\/a><\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">See current averages<\/a><\/td><\/tr><tr><td>State Farm<\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">See current averages<\/a><\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">See current averages<\/a><\/td><\/tr><tr><td>Allstate<\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">See current averages<\/a><\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">See current averages<\/a><\/td><\/tr><tr><td>Progressive<\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">See current averages<\/a><\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">See current averages<\/a><\/td><\/tr><tr><td>Direct General<\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">See current averages<\/a><\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">See current averages<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Top 2 Most Expensive Car Insurance Companies in Florida<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Minimum Coverage Premium*<\/strong><\/td><\/tr><tr><td>Progressive<\/td><td>Often among the higher averages for minimum coverage (varies by driver profile)<\/td><\/tr><tr><td>Direct General<\/td><td>Often among the higher averages for minimum coverage (varies by driver profile)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data source: <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Bankrate (2025 Florida analysis)<\/a>; prices vary by driver profile.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"Top 3 Cheapest Cities for Car Insurance in Florida \"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Florida&nbsp;<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Minimum Coverage Premium*<\/strong><\/td><\/tr><tr><td>See updated Florida city list<\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Varies by ZIP \u2014 see current averages<\/a><\/td><\/tr><tr><td>See updated Florida city list<\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Varies by ZIP \u2014 see current averages<\/a><\/td><\/tr><tr><td>See updated Florida city list<\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Varies by ZIP \u2014 see current averages<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data source: <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Bankrate (2025 Florida analysis)<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"Top 3 Most Expensive Cities for Car Insurance in Florida \"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Florida&nbsp;<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Minimum Coverage Premium*<\/strong><\/td><\/tr><tr><td>See updated Florida city list<\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Varies by ZIP \u2014 see current averages<\/a><\/td><\/tr><tr><td>See updated Florida city list<\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Varies by ZIP \u2014 see current averages<\/a><\/td><\/tr><tr><td>See updated Florida city list<\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Varies by ZIP \u2014 see current averages<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data source: <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Bankrate (2025 Florida analysis)<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"need-to-know\" title=\"Florida Car Insurance: What You Need to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Florida Car Insurance: What You Need to Know<\/h2>\n\n\n\n<p>In the Sunshine state, drivers get the <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-cheap\/\">best rates<\/a> when they drive sober and avoid tickets and accidents. With a still-elevated share of uninsured motorists and frequent hurricane and flood exposure, adding uninsured and underinsured motorist coverage can help protect you if you\u2019re hit by a driver who leaves the scene or lacks sufficient insurance.&nbsp;<\/p>\n\n\n\n<ul><li>About 16% of Florida drivers were uninsured in 2022 \u2014 above the U.S. average \u2014 according to the Insurance Information Institute\u2019s summary of Insurance Research Council estimates (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\">source<\/a>).<\/li><li>Auto insurance premiums have surged since 2021; the <a href=\"https:\/\/www.bls.gov\/cpi\/\">CPI for motor vehicle insurance<\/a> recorded near 20% year-over-year increases through late 2024 and remained elevated into 2025.<\/li><li><a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a> continues to track a high cadence of billion-dollar disasters, including hurricanes and flood events that affect Florida \u2014 factors that contribute to higher claim costs and premiums.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"minimum\" title=\"Florida Minimum Insurance Requirements\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Florida Car Insurance Minimum Requirements<\/h2>\n\n\n\n<p>Florida requires drivers to carry at least the following minimum coverage limits: <\/p>\n\n\n\n<ul><li>$10,000 personal injury protection (PIP) <\/li><li>$10,000 property damage liability per accident<\/li><\/ul>\n\n\n\n<p>Florida is a no-fault state, which means that drivers must carry PIP coverage to help pay for injuries of an accident, regardless of who is at fault. PIP generally covers up to 80% of reasonable medical expenses and up to 60% of lost income and replacement services, subject to the $10,000 limit and any deductible. You must receive initial treatment within 14 days; without a diagnosed emergency medical condition, PIP medical benefits are capped at $2,500 (see <a href=\"http:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&#038;URL=0600-0699\/0627\/Sections\/0627.736.html\">Florida Stat. \u00a7627.736<\/a>). Property damage liability coverage pays for damage you cause to another person\u2019s vehicle or their property, like a fence or mailbox, if you are at-fault for an accident.<\/p>\n\n\n\n<p>Unlike most other states, bodily injury liability is not required in Florida. However, to drive legally, you do have to show proof that you can pay for injuries that you cause. This is called a \u201cfinancial responsibility law.\u201d In Florida, most drivers likely opt to purchase car insurance to satisfy this law. After certain events \u2014 such as an at-fault crash causing injuries or a DUI conviction \u2014 higher liability limits become mandatory for three years (see <a href=\"http:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&#038;URL=0300-0399\/0324\/Sections\/0324.023.html\">Florida Stat. \u00a7324.023<\/a>). If you buy bodily injury insurance coverage, the minimum required limits are: <\/p>\n\n\n\n<ul><li>$10,000 bodily injury liability per person <\/li><li>$20,000 bodily injury liability per accident <\/li><\/ul>\n\n\n\n<p>Florida car insurance companies must also offer uninsured motorist coverage, although it can be declined in writing.   <\/p>\n\n\n\n<p>Florida\u2019s state minimum car insurance requirements are very low compared to other states. If a driver is hurt in an <a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-car-accident-affect-insurance\/\">accident<\/a> or causes damage to a high-value item, like a building or expensive luxury car, they could be sued if they don\u2019t have enough coverage. Drivers in Florida are encouraged to have more coverage to provide financial protection.&nbsp;<\/p>\n\n\n\n<p>Though Florida\u2019s minimum coverages aren\u2019t the traditional bodily injury and property damage limits we usually see in other states, Florida car insurance laws require that drivers carry continuous coverage, even if the car isn\u2019t operable. If you <a href=\"https:\/\/www.flhsmv.gov\/insurance\/\">don\u2019t maintain continuous coverage<\/a>, your license may be suspended and reinstatement fees may apply once you get coverage back in force.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"additional\" title=\"Additional Car Insurance Coverage in Florida\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Additional Car Insurance Coverage in Florida<\/h2>\n\n\n\n<p>Although Florida drivers only have to carry $10,000 in personal injury protection and an additional $10,000 in property damage liability, many insurance experts recommend to purchase additional car insurance to protect the vehicle and the driver. Recommended Florida car insurance coverage includes:<\/p>\n\n\n\n<ul><li><strong>Bodily injury liability: <\/strong>Because Florida\u2019s PIP minimums are so low, it\u2019s highly encouraged to buy bodily injury liability to cover any incidents that result in medical injuries.<\/li><li><strong>Comprehensive: <\/strong>This optional coverage pays if your car is vandalized, stolen, if you hit an animal and for weather-related events, including storm surge. <\/li><li><strong>Collision: <\/strong>Collision coverage comes in when your vehicle is involved in a crash with another vehicle or object. <\/li><li><strong>Uninsured\/underinsured motorist: <\/strong>This coverage for your injuries if someone else hits you and they either don\u2019t have enough liability coverage, none at all, or you\u2019re a victim of a hit and run.&nbsp;<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Self-Insurance in Florida&nbsp;<\/h3>\n\n\n\n<p>In Florida, drivers have the option to <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0300-0399\/0324\/Sections\/0324.171.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">self-insure<\/a> instead of purchasing the minimum auto insurance coverage required by law.&nbsp; Drivers who qualify for self-insurance can obtain a certificate from the insurance department. To qualify, you must have at least $40,000 in unencumbered net worth for the first car and $20,000 for each additional registered vehicle.&nbsp;<\/p>\n\n\n\n<p>Registered auto owners who self-insure must renew their certificate annually and prove their net worth to waive the minimum Florida auto insurance requirements for drivers. They will also be required to pay for anything they are deemed at fault for during an <a href=\"https:\/\/www.reviews.com\/insurance\/car\/when-not-to-file-a-claim\/\">auto accident<\/a> as a result of self-insuring.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Get Cheap Florida Car Insurance<\/h2>\n\n\n<div id=\"block_608705adfe7ab\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Discounts<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">One way drivers can get cheap car insurance in Florida is to take full advantage of car insurance discounts. The good news is that most providers offer multiple discounts that eligible drivers can apply to lower their premium.<\/span><span style=\"font-weight: 400;\"> Though each of the best car insurance companies in Florida offer a unique list, the following discounts are ones you can usually find no matter which company you\u2019re working with:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\"><strong>Defensive driving course:<\/strong> Whether you take an online or in-person class, this discount is an option in certain states and will help lower the cost of car insurance. Though it may come with an initial cost, the discount you receive for completing an approved defensive driving course will eventually pay for itself. If insurance companies consider you a <\/span><a style=\"font-size: 1rem; background-color: #fefefe;\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-for-high-risk-drivers\/\"><span>high-risk driver<\/span><\/a><span style=\"font-weight: 400;\">, this option may offer invaluable savings on your steeper rates.\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Multi-Car:<\/strong> Unless you have a high-end or restored vintage car that a particular company won&#8217;t cover, you can likely save a bundle by having all your vehicles insured under one provider. With the multi-car discount, you only have one insurer to deal with and you get cheaper car insurance rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Paid-in-Full:<\/strong> If you can afford to pay your premium all at once, you may save money on your premium. The amount you\u2019ll save varies with each company, but if you can afford it and the company offers a paid-in-full incentive, it could lower your price for Florida car insurance.<\/span><\/li>\n<\/ul>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_608705d1fe7ac\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Quote Shopping<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Many drivers assume they\u2019ll get the same car insurance quotes in Florida when shopping or switching. <\/span><span style=\"font-weight: 400;\">When calculating premiums, Florida auto insurance providers look at a variety of factors.<\/span><span style=\"font-weight: 400;\"> These include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Age<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Driving history\/ past violations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gender<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ZIP code<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Car make and model<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Marital status<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit score<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deductible amount<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Though each company looks at the same data, they place a different level of importance on each factor. For example, drivers with a low credit score may not be penalized as heavily with another provider.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While shopping for <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\"><span style=\"font-weight: 400;\">car insurance quotes<\/span><\/a><span style=\"font-weight: 400;\"> in Florida, make sure to discuss discounts with the provider. While one company may appear to be the cheapest right off the bat, it may not be once discounts are applied. <\/span><span style=\"font-weight: 400;\">To determine which is the best fit<\/span><span style=\"font-weight: 400;\">, you may need to speak with an agent.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_608705f9fe7ad\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Bundling home and auto insurance in Florida<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Whether you live in an apartment, condo, or a house, you can typically get a pretty hefty discount for <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\"><span style=\"font-weight: 400;\">bundling your home insurance with your auto insurance<\/span><\/a><span style=\"font-weight: 400;\">. If your home has any unique insurance needs, however, be sure to discuss your coverage requirements with the agent. Special coverage needs like sinkhole and earthquake protection aren\u2019t offered by every provider (<\/span><span style=\"font-weight: 400;\">you may also need to consider flood insurance as well<\/span><span style=\"font-weight: 400;\">).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To find out if bundling gets you the best Florida car insurance rates, request quotes for bundling home and auto and insuring them individually. This way, you can get multiple quotes from different carriers to see if bundling saves you more or if placing each policy with different insurers is a better option.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60ed8b60843c1\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Customer satisfaction<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Though price is important, selecting the best Florida auto insurance company involves considering more than just the base price. If you purchase a policy with a Florida car insurance company that has low satisfaction ratings, you could potentially end up with a less-than-positive experience with policy management or claims handling interactions. Before selecting a company, consider <\/span><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-auto-insurance-study\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">reviewing the latest J.D. Power scores<\/span><\/a><span style=\"font-weight: 400;\">, or read car insurance company reviews and testimonials left by other customers. It could help you decide if the company\u2019s response and handling of issues is in line with one you want to do business with.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60ed8c09843c2\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Claims process<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Choosing a company that provides its customers easy claims filing could save a lot of time and headache in the future. <\/span><span style=\"font-weight: 400;\">Many Florida auto insurance providers offer online and mobile app claim filing, or 24-hour phone representatives who can answer questions any time. If the company makes it easy to check on the claims process and works with a team of highly rated repair shops, appraisers and inspectors, chances are, the filing process will be easier.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Florida Car Insurance FAQ<\/h2>\n\n\n<div id=\"block_606f13390a5ed\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the minimum car insurance required in Florida?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Drivers in Florida who cannot self-insure must carry at least $10,000 in personal injury protection coverage and $10,000 property damage liability. Drivers who do self-insure must recertify each year based on the current self-insurance guidelines as noted above.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_606f13740a5ee\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average auto insurance cost in Florida?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Drivers in Florida pay on average $1,101 for state minimum liability coverage and $2,364 for <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\"><span style=\"font-weight: 400;\">full coverage<\/span><\/a><span style=\"font-weight: 400;\"> according to 2021 data from Bankrate.com.<\/span><span style=\"font-weight: 400;\"> Your rates could be higher or lower depending on your driving history, the type of car you drive, your zip code and coverages you require.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_606f13b90a5ef\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who has the cheapest car insurance for Florida?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Bankrate.com\u2019s 2021 research shows that Geico has the cheapest minimum coverage premium in Florida at $841 per year, on average. For a policy with full coverage, State Farm may have the best rate based on its average annual premium of $1,739.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n            <span class=\"b-anchor\" id=\"method\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Methodology<\/h3>\n\n\n\n<p>Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Florida, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you.\u00a0<\/p>\n\n\n\n<p>As for average pricing, we referenced recent statewide analyses (e.g., <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-florida\/\">Bankrate\u2019s Florida averages<\/a>) and the latest customer-satisfaction results from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power<\/a>, noting that methods and driver profiles vary across studies.<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.\u00a0<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Allstate, Geico, State Farm, and Progressive made our list of best car insurance companies in Florida. Across recent 2025 Florida rate analyses, State Farm and Geico often return among the lowest average quotes for many driver profiles (actual premiums vary by ZIP, vehicle, and history; see Bankrate and NerdWallet). The latest J.D. Power [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":360681,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[21449],"post_author":[17789],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Florida Car Insurance Companies | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our review of the top providers of car insurance in Florida. 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