Fact CheckedNerdWallet’s editorial team collected data on 10 of Florida’s car insurance companies and scored them for customer experience, online features and discounts. GEICO is our pick for the top insurance company in Florida, but other companies in the state also earned high marks.
Our February 2026 winners are:
Category winner | NerdWallet star rating |
|---|---|
Best car insurance overall: GEICO | |
Best for budget shoppers: State Farm | |
Best if you have to make a claim: Amica | |
Best for coverage add-ons: Travelers | |
Best usage-based insurance: Nationwide |
- How we found the best car insurance companies
For our list of the best car insurance companies, we only considered insurers that achieved a minimum NerdWallet star rating of 4.5. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies may change.
NerdWallet’s editorial team considers these factors when choosing the best auto insurance companies:
Financial strength: We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims.
Consumer experience: These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the NAIC. We also look at survey data from J.D. Power’s annual studies.
Digital ease of use: This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes the quality of information offered online, mobile app scores based on user ratings, and whether a user can start and track a claim, or get a quote online.
Ways to save: We look at the kinds of discounts a company offers and the total number of discounts available.
You can read our full auto insurance methodology to learn more.
- Why you can trust NerdWallet
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in a state where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Best overall for car insurance: GEICO
best overall pick
GEICO
- Often among the cheapest car insurance companies in NerdWallet's rates analyses.
- Many discounts available.
- Fewer complaints than expected for a company of its size.
- Doesn't offer gap insurance.
- Limited network of local agents.
- Below-average customer satisfaction for auto insurance claims in a recent J.D. Power study.
- Why GEICO is the best in Florida
Why GEICO is the best: GEICO’s digital tools separate it from many other insurance companies in Florida. You can make and track claims online or on GEICO’s app, which is highly rated on iOS and Android devices. You can also use the app to get estimates for your car’s damage after a crash, view its service history and keep up with its maintenance schedule.
GEICO receives fewer complaints from policyholders than expected for its size. GEICO also ranks at the top of J.D. Power’s Auto Insurance Survey for customer satisfaction in Florida. This study measures how customers in different regions feel about their insurer’s trustworthiness, price and other qualities.
Finally, GEICO may offer cheaper car insurance than many other top companies in Florida. It boasts our best score for discounts, as well as DriveEasy, which could help some drivers lower their rates.
How much is car insurance from GEICO in Florida? Car insurance from GEICO costs $187 per month, or $2,242 per year in Florida. That’s compared to the statewide average of $4,069 per year.
» Read the full review: GEICO auto insurance review
- Average rates for GEICO in Florida
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,242 $358 One speeding ticket, good credit $2,242 $358 One at-fault crash, good credit $3,048 $518 One DUI, good credit $3,678 $658 Clean driving record, poor credit $3,991 $691
Best for shopping on a budget: State Farm
Best for budget shoppers
State Farm
- Generous rental car and travel expenses coverage.
- Above-average customer satisfaction rating for buying auto insurance among large insurers, according to J.D. Power.
- Doesn't offer gap insurance.
- Why State Farm is the best in Florida for budgeting shoppers
Why State Farm is the best: We found that, on average, State Farm’s car insurance rates for good drivers may be some of the lowest in Florida. State Farm also offers a great set of discounts, and Drive Safe & Save, which could help good drivers qualify for better rates.
Besides being a good option for budget-conscious shoppers, State Farm also made our list of the top home insurance companies in Florida. The company’s financial stability could be an added benefit in a state that has seen more than a few insurers exit in recent years.
Don’t pick State Farm if: You want to add lots of optional types of car insurance to a basic policy. State Farm offers rideshare, rental reimbursement and roadside assistance, but many competitors have more add-ons to choose from.
How much is car insurance from State Farm in Florida? Car insurance from State Farm costs $175 per month, or $2,101 per year in Florida. That’s compared to the statewide average of $4,069 per year.
Read the full review: State Farm auto insurance review
- Average rates for State Farm in Florida
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,101 $429 One speeding ticket, good credit $2,372 $535 One at-fault crash, good credit $2,717 $649 One DUI, good credit $3,114 $783 Clean driving record, poor credit $7,834 $3,362
Best if you need to make a claim: Amica
best customer experience
Amica
- Low consumer complaints.
- Many discounts and policy perks, including accident forgiveness and new car replacement in some states.
- Potential to earn dividends.
- Often more expensive than average in the states where we have data.
- Amica car insurance isn’t available in Hawaii, but other kinds of insurance, like life insurance, may be.
- Why Amica is the best in Florida for customer experience
Why Amica is the best: Amica is the best car insurance company in Florida for when you need to make a claim. Amica receives fewer complaints from policyholders than expected for its size. It also scored better than average on the J.D. Power Claims Satisfaction Study, which looks into how customers feel about the claims process.
Another reason to like Amica is its coverage. You can add new car replacement or gap insurance (usually a must-have for drivers who lease their vehicles) to a standard policy, as well as roadside assistance, rental reimbursement coverage and glass coverage.
Don’t pick Amica if: You haven’t gotten to compare car insurance quotes from other companies. We don’t have price data for Amica in Florida, but the insurer's rates can be higher than average in the states where we do have data, especially after a driving violation or accident.
» Read the full review: Amica auto insurance review
Best for customizing your policy: Travelers
Best for customizing coverage
Travelers
- Received fewer customer complaints than expected for auto insurance.
- Lots of coverage options for auto insurance.
- One of the largest insurance providers in the nation.
- Rideshare insurance is not available in all states.
- Why Travelers is the best in Florida for coverage options
Why Travelers is the best: Travelers stands out in Florida for its range of coverage options. You can get gap insurance, new car replacement, two tiers of accident forgiveness, roadside assistance and rideshare coverage, which could be essential if you drive for Uber or Lyft.
Travelers could still be a fit for you if you’re not interested in its coverage add-ons. We rated it highly for its online features, and it may be one of the more affordable car insurance companies in Florida for some drivers.
How much is car insurance from Travelers in Florida? Car insurance from Travelers costs $197 per month, or $2,361 per year in Florida. That’s compared to the statewide average of $4,069 per year.
» Read the full review: Travelers auto insurance review
- Average rates for Travelers in Florida
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,361 $611 One speeding ticket, good credit $3,089 $801 One at-fault crash, good credit $3,236 $853 One DUI, good credit $3,956 $1,025 Clean driving record, poor credit $4,698 $1,491
Best for usage-based insurance: Nationwide
Best for usage-based insurance
Nationwide
- Receives fewer complaints to state regulators than expected for a car insurance company of its size.
- Wide variety of options for customers who want to buy multiple products from one company.
- Generous extras for some loyal customers such as minor accident forgiveness, pet injury coverage and car key replacement.
- Often more expensive than average for drivers with recent accidents or driving violations.
- Doesn't sell auto insurance policies in all states.
- Why Nationwide is the best choice for usage-based insurance in Florida
Why Nationwide is the best: Nationwide offers SmartRide and SmartMiles, two usage-based car insurance programs where your rates depend on real-time driving data that you agree to share.
Nationwide also scored best for usage-based insurance on the J.D. Power Auto Insurance Study. Qualifying for a usage-based insurance discount could have big upside in an expensive state like Florida.
Additionally, Nationwide offers coverage options like gap insurance and accident forgiveness. Nationwide earned one of the best ratings for its online features of any insurance company we analyzed.
Don’t pick Nationwide if: You have a DUI on your record. We found that the cost of car insurance from Nationwide for someone in Florida with a DUI is far more expensive than average.
How much is car insurance from Nationwide in Florida? Car insurance from Nationwide costs $298 per month, or $3,574 per year in Florida. That’s compared to the statewide average of $4,069 per year.
» Read the full review: Nationwide auto insurance review
- Average rates for Nationwide in Florida
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $3,574 $853 One speeding ticket, good credit $4,817 $1,211 One at-fault crash, good credit $5,180 $1,312 One DUI, good credit $7,999 $2,119 Clean driving record, poor credit $5,262 $1,330
All of the top-rated car insurance companies in Florida
The company with the best car insurance for you won’t necessarily be the same for another driver in Florida. An insurance company may be a match if it’s right for your budget, has the coverage you need and the reputation for customer experience that you prefer.
These are all of the car insurance companies in Florida we think may be right for certain drivers:
Company | Star rating |
|---|---|
Best overall pick: GEICO | |
Best for budget shoppers: State Farm | |
Best if you need to make a claim: Amica | |
Best for coverage add-ons: Travelers | |
Best for usage-based insurance: Nationwide | |
Best for retirees: The Hartford | |
Best for high-risk drivers: Direct Auto | |
Best for military families: USAA* | |
*USAA is only available to military, veterans and their families. | |
- Read more auto reviews from NerdWallet
Here is the full list of car insurance companies reviewed by NerdWallet. Not all insurers offer policies in every state, however.
What to know about car insurance in Florida
Car insurance in Florida can be more complicated than other states. It's a good idea to get familiar with Florida’s uncommon insurance laws so you’re sure you know how much coverage you really need.
- How much car insurance Florida requires — and why you should get more
Florida requires drivers to carry less car insurance than other states.
$10,000 of personal injury protection per accident: Your policy will help pay up to $10,000 per incident for treatment of your injuries and other medical expenses after a crash.
$10,000 of property damage liability coverage: Your policy will cover up to $10,000 in property damage that you cause to another person’s stuff.
We strongly recommend that drivers in Florida get more car insurance. A minimum policy in Florida provides very little coverage if you cause a serious accident or if you’re involved in an accident with an uninsured driver (and there are a lot of uninsured drivers in Florida ). In either situation, you could be responsible for covering their bills yourself.
You’ll get much more protection if you carry:
Bodily injury liability insurance: Protects your money by helping to pay for the injuries and medical expenses of someone that you injure in an accident.
Uninsured motorist coverage: Pays for the injuries and property damage that someone without insurance causes when they hit you, your car or your property.
Minimum coverage won’t help pay for damage to your car if you cause an accident, either. This damage is instead covered by comprehensive and collision insurance, which cover most kinds of damage, even if you’re at fault.
- How fault works in Florida
Florida is a no-fault state, which means that no matter who’s “at fault” for an accident, your personal injury protection helps pay for your injuries before any other coverage kicks in. Serious accidents that cause disfigurement, permanent injury or death can leave the at-fault driver to cover extra costs.
A driver’s fault affects how their insurance pays for damage — and in crashes where one driver is at least half to blame for the accident, they won’t receive any coverage from the other driver’s insurance.
- The average cost of car insurance in Florida
The average cost of car insurance in Florida is $4,069, but what you pay depends on how much coverage you have and your driving record, as well as other details like your age, where you live, your car and your insurance company.
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $4,069 $1,014 One speeding ticket, good credit $5,239 $1,321 One at-fault crash, good credit $5,913 $1,452 One DUI, good credit $6,386 $1,429 Clean driving record, poor credit $6,818 $1,683 - What to do if you can't find car insurance?
It can be harder to find car insurance if you have multiple accidents or driving violations on your record. If you’ve not been able to get car insurance, you could get a policy through the Florida Automobile Joint Underwriting Association (FAJUA), a market that all of the car insurance companies in Florida participate in.
How to get the best auto insurance in Florida
If you’re unsure which car insurance company in Florida is right for you, or if you just want to do your own research before you commit to buying a policy, follow these steps:
Understand the coverage you need. While we think that drivers should get more car insurance than Florida requires, you don’t want to pay for more coverage than what you need to protect your car, family and personal property.
Consult trusted sources. You can evaluate an insurance company by checking out helpful sources like AM Best, which has financial strength ratings, or the NAIC, which has complaints data. NerdWallet also has in-depth analyses of dozens of insurers.
Avoid gaps in coverage. You’ll pay much higher rates than average — and could be forced to settle for a mediocre insurer — if you have a gap in your car insurance coverage. (A gap is a period of time in your insurance history when your coverage isn’t continuous.)
Shop around at least once a year. Compare rates from a few insurance companies in Florida before you sign up for a policy or renew your current one. The cost of car insurance changes all the time, and your current insurer might not be the cheapest option anymore.
Don’t shy away from smaller insurers. A small or regional insurer in Florida that you haven’t heard of may line up best with your budget and the coverage you need. An agent or broker can help you find local options near you.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. Auto Insurance Study. Accessed Jan 26, 2026.
- 2.Florida Department of Highway Safety and Motor Vehicles. Florida Insurance Requirements. Accessed Jan 28, 2026.
- 3.Insurance Information Institute. Facts and Statistics: Uninsured Motorists. Accessed .
- 4.The Florida Legislature. Florida Statutes: Insurance Rates and Contracts. Accessed .
Methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for 35-year-old men and women for all ZIP codes in all 50 states and Washington, D.C.
Unless otherwise stated, our analysis was based on our base driver profile, which has the following characteristics and coverage levels:
35 years old
Single. Male or female.
2023 Toyota Camry LE
12,000 annual miles driven.
Good driving record and credit
No moving violations.
"Good driving" discount applied.
Good credit-based insurance score.
Bodily injury liability coverage
$100,000 per person. $300,000 per crash.
Property damage liability coverage
$50,000 per crash.
Uninsured motorist bodily injury coverage
$100,000 per person. $300,000 per crash.
Collision coverage
With a $1,000 deductible.
Comprehensive coverage
With a $1,000 deductible.
- See characteristics for other driver profiles
For all other driver profiles, we used the same assumptions, with the following exceptions:
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for drivers with poor credit. These rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
For young drivers, we considered 20-year-olds with good credit and no driving violations.
For millennial drivers, we considered 40-year-olds with good credit and no driving violations.
For senior drivers, we considered 70-year-olds with good credit and no driving violations.
These are median rates, and your rate will vary based on your personal details, state and insurance provider. Sample drivers had the minimum required coverage by law in each state. Some policies include additional coverage at the insurer’s discretion.
Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
