Geico’s full coverage policy can save Florida drivers around $98 per month compared to the statewide average of $311 per month.
That said, State Farm is often the better overall option for most drivers. It consistently earns stronger customer satisfaction scores than Geico, meaning claims are usually handled more smoothly and drivers can get back on the road faster after an accident. For many people, that improved service is worth paying about $2 more per month compared to Geico.
Best Low-Cost Full Coverage Car Insurance in Florida
Why Is Car Insurance So Expensive in Florida?
Auto insurance in Florida costs more than in many other states due to several factors. The state has a high number of uninsured drivers, along with a dense population that leads to heavy traffic and more accidents.
Florida’s extreme weather also plays a major role. Hurricanes, flooding, storm surges, and falling trees frequently cause serious vehicle damage.
Overall, car insurance in Florida is about 55% higher than the national average. However, drivers can still find affordable coverage by comparing insurers. For safe drivers, Geico and State Farm offer full coverage policies that are roughly $100 per month cheaper than the state average.
Drivers who cannot obtain coverage from private insurers can purchase insurance through the Florida Automobile Joint Underwriting Association (FAJUA), a state-backed insurance program.
Cheapest Minimum Coverage Car Insurance in Florida: Geico
Geico offers the lowest-cost liability-only insurance in Florida.
On average, a minimum coverage policy from Geico costs about $37 per month, which is nearly two-thirds cheaper than the Florida average of $102 per month. It is also about $30 per month less than the next most affordable option, State Farm.
Most Affordable Minimum Coverage in Florida
| Company | Monthly Cost |
|---|---|
| Geico | $37 |
| State Farm | $67 |
| Travelers | $71 |
| UAIC | $127 |
| Progressive | $138 |
Cheapest Car Insurance for Seniors in Florida: Geico
Geico provides the most affordable auto insurance for senior drivers in Florida.
For a 65-year-old driver, Geico’s full coverage averages $181 per month, which is nearly $100 less than the state average for that age group.
Geico remains the least expensive option as drivers age. Full coverage costs approximately $198 per month at age 75 and $240 per month at age 85.
Lowest Insurance Rates for Seniors in Florida
| Company | Age 65 | Age 75 | Age 85 |
|---|---|---|---|
| Geico | $181 | $198 | $240 |
| State Farm | $195 | $222 | $280 |
| Travelers | $204 | $247 | $319 |
| UAIC | $236 | $250 | $250 |
| Progressive | $400 | $561 | $714 |
Cheapest Car Insurance for Young Drivers in Florida: Geico
Geico is the most affordable insurer for teenage drivers in Florida.
Minimum coverage from Geico costs about $83 per month for an 18-year-old, which is far below the Florida average of $252 per month for teens.
Geico also offers the lowest-priced full coverage for young drivers, averaging $527 per month, or 44% less than the state average.
Best Budget Insurance for Teens in Florida
| Company | Liability Only | Full Coverage |
|---|---|---|
| Geico | $83 | $527 |
| Travelers | $157 | $644 |
| State Farm | $170 | $623 |
| Allstate | $279 | $1,261 |
| UAIC | $301 | $581 |
Teen drivers in Florida typically pay more than double what 30-year-old drivers pay for full coverage. This is largely due to limited driving experience, which increases accident risk.
Cheapest Florida Insurance After a Speeding Ticket: Geico
Geico offers the lowest full coverage rates in Florida for drivers with a speeding ticket.
At $213 per month, Geico’s rates are less than one-third of the Florida average of $351 after a ticket.
Drivers should also consider State Farm, which costs about $20 more per month but offers significantly better customer service—an advantage if you need to file a claim later.
Affordable Auto Insurance in Florida After a Ticket
| Company | Monthly Cost |
|---|---|
| Geico | $213 |
| State Farm | $233 |
| UAIC | $255 |
| Travelers | $295 |
| Allstate | $463 |
On average, a single speeding ticket increases Florida car insurance rates by about 13%, or roughly $40 per month for full coverage.
Best Florida Auto Insurance After an Accident: State Farm
State Farm provides the cheapest car insurance in Florida following an accident.
Full coverage from State Farm averages $251 per month, which is $204 less than the Florida average after a crash and $35 cheaper than Geico.
Cheapest Insurance in Florida After an Accident
| Company | Monthly Cost |
|---|---|
| State Farm | $251 |
| Geico | $286 |
| Travelers | $327 |
| UAIC | $334 |
| Progressive | $723 |
Cheapest Insurance for Teens After a Ticket or Accident: Geico
Geico is the most affordable insurer in Florida for young drivers with a violation or accident on their record.
For an 18-year-old with a speeding ticket, Geico’s minimum coverage costs $83 per month, well below the Florida average of $268. After an at-fault accident, Geico’s minimum coverage averages just $85 per month.
Best Teen Insurance Rates After Violations
| Company | Ticket | Accident |
|---|---|---|
| Geico | $83 | $85 |
| State Farm | $187 | $206 |
| Travelers | $191 | $218 |
| Allstate | $279 | $522 |
| UAIC | $301 | $375 |
Insurance costs increase by about 6% after a ticket and 32% after an accident for teen drivers. Rate hikes are usually smaller for teens than adults since young drivers are already classified as high-risk.
Cheapest Florida Insurance After a DUI: Travelers
Travelers offers the most affordable car insurance in Florida for drivers with a DUI.
After a DUI, Travelers’ full coverage averages $382 per month, which is $140 cheaper than the state average and $41 less than Geico.
Lowest DUI Insurance Rates in Florida
| Company | Monthly Cost |
|---|---|
| Travelers | $382 |
| Geico | $423 |
| UAIC | $453 |
| Progressive | $584 |
| State Farm | $625 |
Cheapest Car Insurance in Florida for Bad Credit: UAIC
UAIC offers the lowest rates for Florida drivers with poor credit.
A full coverage policy from UAIC averages $255 per month, which is less than half of the state average and $139 cheaper than Geico.
Best Rates for Drivers With Poor Credit
| Company | Monthly Cost |
|---|---|
| UAIC | $255 |
| Geico | $394 |
| Travelers | $487 |
| Progressive | $807 |
| Allstate | $864 |
Best Overall Car Insurance in Florida
State Farm is considered the best overall auto insurance provider in Florida due to its balance of competitive pricing and reliable customer service. It also receives fewer complaints than most insurers of similar size.
Top Insurance Companies in Florida
| Company | Editor Rating | AM Best |
|---|---|---|
| State Farm | 650 | A++ |
| Travelers | 613 | A++ |
| Geico | 645 | A++ |
| Progressive | 621 | A+ |
| Allstate | 635 | A+ |
Florida Car Insurance Rates by City
Santa Rosa Beach, located in Florida’s panhandle, has the lowest average car insurance rates in the state at $224 per month for full coverage.
Westview, near Miami, is the most expensive area, with average monthly rates of $453, or $142 above the state average.
Insurance costs can vary by as much as $230 per month between Florida cities. Larger cities generally have higher rates due to increased accident risk and vehicle theft.
Florida Minimum Auto Insurance Requirements
Florida requires only:
-
$10,000 Personal Injury Protection (PIP)
-
$10,000 Property Damage Liability (PDL)
Bodily injury liability is not mandatory, but it is strongly recommended to protect against lawsuits after serious accidents.
Florida’s No-Fault Insurance Law
Florida operates under a no-fault system, meaning your insurance pays for medical expenses regardless of who caused the accident.
PIP covers up to 80% of medical costs and 60% of lost wages, up to $10,000 per accident. Property damage liability covers repairs to another driver’s vehicle.
Drivers can still be sued for severe injuries or fatalities, making bodily injury liability coverage a smart addition.
Does Florida Car Insurance Cover Hurricane Damage?
Hurricane-related damage is covered only if you have comprehensive coverage.
Comprehensive insurance pays for damage caused by events beyond your control, including floods, fallen trees, hail, and storm damage. It is typically included in full coverage policies and required for leased or financed vehicles.
