The Cheapest Car Insurance in Florida for February 2025

Finding cheap car insurance in Florida isn’t easy. The average cost of car insurance in Florida has historically been among the most expensive in the country and continues that trend, according to NerdWallet’s February 2025 analysis.

The state’s high insurance costs are due to a variety of factors. Florida is not only a magnet for hurricanes and tens of millions of tourists each year, but it also has more traffic fatalities

[1]

and uninsured drivers

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than most states.

The cheapest car insurance company in Florida

The cheapest company in Florida is Geico, which is also one of the best insurance companies available in Florida. Not only does Geico have very affordable rates for Florida drivers, but the company also boasts a 4.5 NerdWallet star rating thanks to the company's financial strength, extensive list of discounts and low ratio of complaints to state regulators.

To see a full list of other top-rated companies in the state, check out our roundup of the best car insurance companies in Florida. And if you’re looking for the cheapest car insurance near you, NerdWallet analyzed rates for some of the largest cities in Florida.

• Find your city

  • Fort Lauderdale.

  • Jacksonville.

  • Miami.

  • Orlando.

  • St. Petersburg.

  • Tampa.

Cheap Florida car insurance for different types of drivers

While Geico may be the cheapest car insurance company in Florida, the car insurance quotes you receive can look very different depending on your unique driver profile.

Here are the cheapest minimum coverage car insurance companies in Florida for 35-year-old drivers with some common driving profiles, according to NerdWallet's February 2025 analysis:

• How we chose the cheapest companies in Florida

  NerdWallet’s editorial team analyzed car insurance rates from 11 auto insurers in Florida and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2022 Toyota Camry LE.

  You’ll find rates for both minimum and full coverage on this page. “Minimum coverage” is the bare minimum car insurance you’re required to have to drive legally. In Florida, that means property damage liability and personal injury protection insurance.

  Meanwhile, full coverage insurance offers greater financial protection on the road, but costs more than minimum coverage. While it’s not required to drive in Florida, the extra cost of full coverage may be worth the peace of mind next time you hop on I-4.

  For example, here are the coverage limits we included in our analysis for full coverage:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheap auto insurance in Florida by age

Your age is one important factor in determining how much you'll pay for car insurance. Below you'll find the cheapest insurance companies in Florida for young drivers, millennials and seniors.

Cheap auto insurance in Florida for young drivers

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance in Florida. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies offer lower insurance rates for young drivers than others, so it's best to shop around to find those cheaper options in Florida.

Young drivers in Florida with clean driving records may want to consider the following companies, which had the lowest average rates for common driver profiles:

» MORE: Car insurance for teens and young drivers

Cheap auto insurance in Florida for millennial drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Drivers in Florida seeking minimum coverage auto insurance can check with the following companies, which had the lowest average rates for common driver profiles:

» MORE: The best cheap car insurance

Cheap auto insurance in Florida for senior drivers

Car insurance costs may start to rise for 70-year-old drivers because accidents and injuries become more common. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Senior drivers in Florida may want to think about getting quotes from these companies, which had the lowest average rates for common driver profiles and minimum coverage:

» MORE: Car insurance for seniors

Cheapest car insurance in Florida by driving record

While age is an important factor in determining car insurance costs, you can also expect to pay more for coverage depending on your driving record.

NerdWallet found which companies in Florida offer the lowest car insurance rates for 35-year-old drivers with different driver profiles. If you have multiple violations on your record, consider looking into the best high-risk car insurance companies.

Cheapest car insurance in Florida after a speeding ticket

If you recently got a speeding ticket in Florida, check out these companies we found with the lowest average rates for minimum coverage:

» MORE: How a speeding ticket affects your insurance

Cheapest car insurance in Florida after an accident

If you were in a crash recently, check out these companies we found with the lowest average rates for minimum coverage in Florida:

» MORE: How much does auto insurance increase after an accident?

Cheapest car insurance in Florida after a DUI

If you have a DUI on your record, check out these companies we found with the lowest average rates for minimum coverage in Florida:

» MORE: Cheap car insurance after a DUI

Cheap car insurance in Florida for drivers with poor credit

Your credit history can impact how much you pay for auto insurance, depending on where you live. Many insurers in Florida use a credit-based insurance score to price their policies.

Here are the companies that offer the cheapest median minimum coverage rates in Florida for people with poor credit:

» MORE: What to know about a credit-based insurance score

How to get cheap car insurance in Florida

No matter your age or driving history, there are a few steps you can take to get cheap car insurance in Florida. Here are some simple ways to get a better deal:

• Shop around. Car insurance companies regularly change their pricing models. That’s why NerdWallet recommends comparing car insurance quotes from multiple insurers at least once a year to get the best rate possible.

• Ask about discounts. Many car insurance companies offer a suite of discounts to entice new customers. It may be worth checking with your insurer to see if there are any car insurance discounts you may be eligible for that you’re not currently getting.

• Drop unnecessary coverage. You can lower your car insurance premiums by getting rid of optional coverage types you no longer need. For example, comprehensive and collision insurance cover repairs for damage to your vehicle in a variety of situations, up to the market value of your car. If you own an older car that’s not worth much, you can likely drop these coverage types.

• Raise your deductible. A car insurance deductible is the amount of money you pay out of pocket before your car insurance kicks in. The higher your deductible, the lower your car insurance premium. Just make sure you have enough money stashed away to cover the higher amount. In Florida, you’ll likely have deductibles for personal injury protection insurance and comprehensive and collision insurance, if you have it. 

• Build your credit. Because car insurance companies in Florida use a credit-based insurance score to price policies, drivers can get a better rate by keeping their credit score high.

» MORE: How to save on car insurance

No-fault insurance in Florida

Florida is one of several states that has a no-fault car insurance system, but it’s one of only two that doesn’t require any bodily injury liability coverage.

In most states, drivers who are injured in a car accident caused by someone else will seek reimbursement from the at-fault driver’s insurance company. The claim and payout come from that person’s bodily injury liability coverage.

Under Florida’s no-fault system, all people involved in a crash first make injury claims to their own PIP coverage and payouts are capped at 80% of the bills. If injuries from the accident are considered “serious” under Florida law, the at-fault driver’s bodily injury liability pays for additional costs. Serious injuries include at least one of the following:

• Significant disfigurement or scarring.

• Permanent limitation of a body organ or member.

• Significant limitation of a body function or system.

Injuries that meet this definition are grounds for a lawsuit in Florida. Drivers with bodily injury coverage can use it to pay for legal fees as well as the injured person’s medical costs, but anyone with only the minimum required coverage — that is, no bodily injury coverage — would have to pay out of pocket if they were at fault.

To complicate things further, drivers can also be partially at fault for a crash. Florida has a “comparative fault” statute, meaning that two drivers can share responsibility for an incident. In a lawsuit, a jury could assign 30% of the responsibility to the injured driver, who would then be entitled to only 70% of the total damages from the other driver. In fact, if you are judged to have 50% or more of the responsibility, you’ll be unable to recover any damages from the other driver.

Insurance companies don’t just absorb those costs. As a result, drivers in Florida tend to pay more for car insurance, on average, compared with those in non-PIP states.

» MORE: No-fault insurance: What you need to know