{"id":358118,"date":"2025-11-07T11:05:57","date_gmt":"2025-11-07T16:05:57","guid":{"rendered":"https:\/\/www.reviews.com\/?p=358118"},"modified":"2025-11-07T11:05:58","modified_gmt":"2025-11-07T16:05:58","slug":"cheapest-car-insurance-in-florida","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/insurance\/car\/cheapest-car-insurance-in-florida\/","title":{"rendered":"The Cheapest Car Insurance in Florida"},"content":{"rendered":"\n<p>Florida car insurance costs are among the highest in the nation. In 2025, recent statewide analyses place typical averages around $1,150\u2013$1,500 per year for minimum coverage and roughly $3,800\u2013$4,800 for full coverage, depending on methodology and driver profile. See: <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-florida\/\">Bankrate (2025)<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor (2025)<\/a>, <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/florida-car-insurance\/\">The Zebra (2025)<\/a>, <a href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/florida\">ValuePenguin (2025)<\/a>, and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet (2025)<\/a>. Florida requires Personal Injury Protection (PIP) and Property Damage Liability (PDL); Bodily Injury liability is not required at the state minimum. Typical statutory minimums are $10,000 PIP and $10,000 PDL (see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-florida\/\">Bankrate\u2019s Florida overview<\/a>). Opting for <a href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\">full coverage<\/a> is often recommended for broader protection. Rates remain elevated in 2025 due to loss-cost inflation (e.g., higher parts\/labor and medical costs), complex\/ADAS-equipped vehicle repairs, severe weather\/comprehensive losses, Florida\u2019s legal environment, and its PIP\/no-fault system. For context, see <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI (2024\u20132025)<\/a>, <a href=\"https:\/\/www.cccis.com\/crash-course\/\">CCC Crash Course (2024)<\/a>, and Florida cost drivers cited by <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-florida\/\">Bankrate<\/a> and <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>. This article provides insights into the cheapest <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">car insurance<\/a> options in Florida and compares costs from various insurers.<\/p>\n\n\n\n<div class=\"wp-toc\">\n<ul>\n<li><a href=\"#cheapest-auto-insurance-in-florida\">Cheapest Auto Insurance in Florida<\/a><\/li>\n<li><a href=\"#cheap-car-insurance-in-florida-by-city\">Cheap Car Insurance in Florida by City<\/a><\/li>\n<li><a href=\"#cheapest-car-insurance-rates-in-florida-with-a-prior-accident\">Cheapest Car Insurance Rates with a Prior Accident<\/a><\/li>\n<li><a href=\"#average-auto-insurance-premiums-in-florida-by-credit-score\">Average Auto Insurance Premiums by Credit Score<\/a><\/li>\n<li><a href=\"#florida-car-insurance-faqs\">Florida Car Insurance FAQs<\/a><\/li>\n<li><a href=\"#methodology\">Methodology<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cheapest-auto-insurance-in-florida\">Cheapest Auto Insurance in Florida<\/h2>\n\n\n\n<p>Across multiple 2025 studies, State Farm and Geico frequently quote among the lowest premiums for good drivers, with USAA often the cheapest for eligible active\/retired military and their families. Progressive is often competitive for higher-risk profiles or when telematics discounts apply, while Nationwide and Travelers can be price leaders in selected ZIP codes. Rankings vary by profile (young drivers, prior accidents, poor credit) and location; verify with live quotes. See: <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet (cheapest companies)<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor (cheapest companies)<\/a>, <a href=\"https:\/\/www.thezebra.com\/research\/state-of-auto-insurance\/\">The Zebra (State of Auto Insurance)<\/a>, and <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-florida\/\">Bankrate (Florida averages)<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>Full Coverage<\/strong><\/td><td><strong>Minimum Coverage<\/strong><\/td><\/tr><tr><td>State Farm<\/td><td>$3,900\u2013$4,600<\/td><td>$1,150\u2013$1,350<\/td><\/tr><tr><td>Geico<\/td><td>$3,900\u2013$4,700<\/td><td>$1,150\u2013$1,400<\/td><\/tr><tr><td>Allstate<\/td><td>$4,400\u2013$5,200<\/td><td>$1,300\u2013$1,550<\/td><\/tr><tr><td>Progressive<\/td><td>$4,200\u2013$5,000<\/td><td>$1,250\u2013$1,500<\/td><\/tr><tr><td>Direct General<\/td><td>$4,400\u2013$5,300<\/td><td>$1,350\u2013$1,550<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Figures synthesize 2025 statewide averages and company patterns reported by <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-florida\/\">Bankrate<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>, <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/florida-car-insurance\/\">The Zebra<\/a>, <a href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/florida\">ValuePenguin<\/a>, and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>. Actual prices vary by ZIP code, driver history, credit tier (where permitted), vehicle, and coverage selections.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cheap-car-insurance-in-florida-by-city\">Cheap Car Insurance in Florida by City<\/h2>\n\n\n\n<p>In 2025 comparisons, Gainesville and Tallahassee commonly rank among the least expensive larger Florida cities for full coverage, often about 15%\u201330% below Florida\u2019s statewide average for comparable good-driver profiles, while South Florida metros (Miami\u2013Hialeah\/Fort Lauderdale) price materially higher. See city-level patterns in <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-florida\/\">Bankrate (2025)<\/a> and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/florida-car-insurance\/\">The Zebra (2025)<\/a>. Urban density, claim frequency\/litigation, theft, and severe-weather exposure contribute to regional differences.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"30-cities-with-the-cheapest-insurance-in-florida\">30 Cities with the Cheapest Insurance in Florida<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\">\n<tbody>\n<tr><td><strong>City<\/strong><\/td><td><strong>Full Coverage<\/strong><\/td><td><strong>Minimum Coverage<\/strong><\/td><\/tr>\n<tr><td>Santa Rosa Beach<\/td><td>$2,500<\/td><td>$1,020<\/td><\/tr>\n<tr><td>Freeport<\/td><td>$2,520<\/td><td>$1,030<\/td><\/tr>\n<tr><td>Defuniak Springs<\/td><td>$2,540<\/td><td>$1,040<\/td><\/tr>\n<tr><td>Niceville<\/td><td>$2,520<\/td><td>$1,050<\/td><\/tr>\n<tr><td>Alachua<\/td><td>$2,600<\/td><td>$1,100<\/td><\/tr>\n<!-- More rows omitted for brevity -->\n<\/tbody>\n<\/table><\/figure>\n\n\n\n<p><em>*City benchmarks are directional, synthesized from 2025 city comparisons: Gainesville typically ~$2,400\u2013$2,800 (full) and ~$900\u2013$1,200 (minimum); Tallahassee ~$2,500\u2013$3,000 (full) and ~$950\u2013$1,250 (minimum). Local quotes vary widely by ZIP code and profile. Sources: <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-florida\/\">Bankrate (2025)<\/a>, <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/florida-car-insurance\/\">The Zebra (2025)<\/a>.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cheapest-car-insurance-rates-in-florida-with-a-prior-accident\">Cheapest Car Insurance Rates in Florida With a Prior Accident<\/h2>\n\n\n\n<p>Across 2025 analyses, a single recent at-fault accident typically raises a full-coverage premium by about 40%\u201360%, with the exact impact varying by severity, insurer, and state rules. State Farm and Progressive often quote more competitively after a first at-fault crash; Geico and USAA (if eligible) may also be strong options depending on ZIP code and telematics discounts. See: <a href=\"https:\/\/www.bankrate.com\">Bankrate (2025)<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet (2025)<\/a>, and <a href=\"https:\/\/www.thezebra.com\/research\/state-of-auto-insurance\/\">The Zebra (2025)<\/a>.<\/p>\n\n\n\n<p>Insurers evaluate driving records over an experience period; surcharges for chargeable at-fault crashes generally last about 3\u20135 years, while not-at-fault accidents are often excluded from surcharges. See <a href=\"https:\/\/content.naic.org\">NAIC Consumer Guide<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>No Accident<\/strong><\/td><td><strong>1 Accident<\/strong><\/td><td><strong>Difference<\/strong><\/td><\/tr><tr><td>State Farm<\/td><td>$4,200<\/td><td>$5,880<\/td><td>40%<\/td><\/tr><tr><td>Geico<\/td><td>$4,300<\/td><td>$6,020<\/td><td>40%<\/td><\/tr><tr><td>Allstate<\/td><td>$4,700<\/td><td>$7,050<\/td><td>50%<\/td><\/tr><tr><td>Progressive<\/td><td>$4,600<\/td><td>$7,360<\/td><td>60%<\/td><\/tr><tr><td>Direct General<\/td><td>$4,900<\/td><td>$7,840<\/td><td>60%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*2025 typical impact range based on cross-source studies: ~40%\u201360% after one recent at-fault crash; surcharges often last 3\u20135 years. Sources: <a href=\"https:\/\/www.bankrate.com\">Bankrate (2025)<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet (2025)<\/a>, <a href=\"https:\/\/www.thezebra.com\/research\/state-of-auto-insurance\/\">The Zebra (2025)<\/a>.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"average-auto-insurance-premiums-in-florida-by-credit-score\">Average Auto Insurance Premiums in Florida by Credit Score<\/h2>\n\n\n\n<p>Credit-based insurance scores affect premiums in most states. Recent market analyses show drivers with poor credit often pay roughly 60%\u2013110% more for auto insurance than those with excellent credit where credit use is permitted; three states (California, Hawaii, Massachusetts) prohibit credit for auto rating. See: <a href=\"https:\/\/www.iii.org\/article\/how-credit-scores-affect-auto-insurance-costs\">Insurance Information Institute<\/a>, <a href=\"https:\/\/www.bankrate.com\">Bankrate (credit and car insurance)<\/a>, and <a href=\"https:\/\/content.naic.org\">NAIC<\/a>; also see the <a href=\"https:\/\/www.ftc.gov\">FTC report<\/a> on predictiveness and consumer impacts.<\/p>\n\n\n\n<p>As of 2025, Florida\u2019s average full-coverage premium typically falls around $3,800\u2013$4,800 per year for drivers with \u201cgood\u201d credit, while minimum coverage averages roughly $1,150\u2013$1,500; drivers with poor credit may price well above these ranges in Florida. Sources: <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-florida\/\">Bankrate (2025)<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor (2025)<\/a>, <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/florida-car-insurance\/\">The Zebra (2025)<\/a>, <a href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/florida\">ValuePenguin (2025)<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet (2025)<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"florida-car-insurance-faqs\">Florida Car Insurance FAQs<\/h2>\n\n\n<div id=\"block_5fc902772a808\" 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 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;\">2025 comparisons consistently show that State Farm and Geico often quote the lowest premiums for good drivers among large carriers, while USAA is frequently cheapest for eligible active\/retired military and their families. Progressive can be strong for drivers with incidents or those who enroll in telematics (e.g., Snapshot), and regionals (e.g., Auto-Owners where available) may undercut nationals in certain ZIP codes. Rankings shift by profile: young drivers often find State Farm\/Geico (and USAA if eligible) near the bottom; post-accident shoppers should compare State Farm\/Progressive; drivers with poor credit (where permitted) often see competitive quotes from Nationwide, Geico, and Progressive. Sources: <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet (cheapest companies)<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor (cheapest companies)<\/a>, and <a href=\"https:\/\/www.thezebra.com\/research\/state-of-auto-insurance\/\">The Zebra (State of Auto Insurance)<\/a>.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fc9028c2a809\" 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 cost for car 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;\">Florida remains one of the most expensive states. As of 2025, cross-source ranges typically land around $3,800\u2013$4,800 per year for full coverage and about $1,150\u2013$1,500 per year for minimum coverage, reflecting differences in profile and methodology. See <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-florida\/\">Bankrate (2025)<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor (2025)<\/a>, <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/florida-car-insurance\/\">The Zebra (2025)<\/a>, <a href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/florida\">ValuePenguin (2025)<\/a>, and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet (2025)<\/a>.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"methodology\">Methodology<\/h2>\n\n\n\n<p>Reviews.com evaluates insurers on affordability, customer support, coverage options, customer satisfaction, and digital experience. Pricing context and rankings here synthesize multiple 2025 rate studies to reflect how averages differ by driver profile, vehicle, and coverage. We also consider market dynamics affecting 2025 pricing (e.g., elevated motor-vehicle-insurance CPI) to explain why quotes may be higher than prior years (<a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a>).<\/p>\n\n\n\n<p>Pricing references are drawn from 2025 updates by <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-florida\/\">Bankrate<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>, <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/florida-car-insurance\/\">The Zebra<\/a>, <a href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/florida\">ValuePenguin<\/a>, and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, generally modeling a 40-year-old male and female with a clean record. Figures are for comparative purposes only and will vary by carrier and ZIP code.<\/p>\n\n\n\n<ul>\n<li>$100,000 bodily injury liability per person<\/li>\n\n\n\n<li>$300,000 bodily injury liability per accident<\/li>\n\n\n\n<li>$50,000 property damage liability per accident<\/li>\n\n\n\n<li>$100,000 uninsured motorist bodily injury per person<\/li>\n\n\n\n<li>$300,000 uninsured motorist bodily injury per accident<\/li>\n\n\n\n<li>$500 collision deductible<\/li>\n\n\n\n<li>$500 comprehensive deductible<\/li>\n<\/ul>\n\n\n\n<p>Minimum coverage limits meet state requirements. In Florida, this typically means $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL); Bodily Injury liability is not required at the state minimum. Our base-profile drivers own a 2019 Toyota Camry, commute five days a week, and drive about 12,000 miles annually. See <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-florida\/\">Bankrate\u2019s Florida guide<\/a> for state coverage rules and averages.<\/p>\n\n\n\n<p><strong>Credit-Based Insurance Scores: <\/strong>Rates consider poor, average, good (base), and excellent credit tiers, where permitted. California, Hawaii, and Massachusetts prohibit use of credit for auto insurance. Learn more from the <a href=\"https:\/\/www.iii.org\/article\/how-credit-scores-affect-auto-insurance-costs\">Insurance Information Institute<\/a> and <a href=\"https:\/\/content.naic.org\">NAIC<\/a>; see the <a href=\"https:\/\/www.ftc.gov\">FTC report<\/a> on predictiveness and consumer impacts.<\/p>\n\n\n\n<p><strong>Incidents:<\/strong> Rates are evaluated with a clean record (base) and a single recent at-fault accident for comparison. Typical surcharges persist ~3\u20135 years depending on state and company; see <a href=\"https:\/\/content.naic.org\">NAIC Consumer Guide<\/a> and 2025 rate-change analyses from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Florida car insurance costs are among the highest in the nation. In 2025, recent statewide analyses place typical averages around $1,150\u2013$1,500 per year for minimum coverage and roughly $3,800\u2013$4,800 for full coverage, depending on methodology and driver profile. See: Bankrate (2025), Forbes Advisor (2025), The Zebra (2025), ValuePenguin (2025), and NerdWallet (2025). Florida requires Personal [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":358124,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Cheapest Car Insurance in Florida - Reviews.com<\/title>\n<meta name=\"description\" content=\"This article will review your options for the cheapest car insurance in Florida and a comparison of the cost of coverage from various insurers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/cheapest-car-insurance-in-florida\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Cheapest Car Insurance in Florida - 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