Who has the most reasonable car insurance in Florida?


Editorial team Published on

State Farm and Travelers offer the cheapest car insurance in Florida, with liability-only rates starting around $42 to $82 per month and full coverage starting around $128 to $165 per month.

Cheapest Companies by Coverage Type

  • Liability-Only (Minimum Coverage):
    • Travelers: Averages about $42 per month.
    • State Farm: Averages about $82 per month.
    • Mercury: Averages about $50 to $72 per month.
  • Full Coverage:
    • State Farm: Averages about $128 per month.
    • Travelers: Averages about $165 per month.
    • Progressive: Averages about $144 per month.

Florida Minimum Insurance Requirements

Florida is a no-fault state and requires all drivers to carry basic minimum coverage:

  • $10,000 in Personal Injury Protection (PIP) per accident.
  • $10,000 in Property Damage Liability (PDL) per accident.

Tips to Lower Your Rate

  • Compare Quotes: Rates vary widely by ZIP code, age, and vehicle type. Check multiple providers using a comparison tool like Insurify.
  • Raise Deductibles: Raising your comprehensive and collision deductibles from $500 to $1,000 can lower your premium.
  • Bundle Policies: Combine your auto insurance with a homeowners or renters insurance policy to unlock multi-policy discounts.
  • Take a Course: Drivers over 55 can complete a defensive driving course for a state-mandated discount.