After thoroughly evaluating 24 insurers, NerdWallet’s editorial team found that Travelers is the best car insurance company in Florida for April 2025.
We based our ratings on important factors like coverage and discount options, affordability, customer satisfaction and financial strength ratings, and only compared companies that we confirmed operate in Florida.
Here are the best auto insurance companies in Florida
Best overall: Travelers
Best for affordable full coverage: State Farm
Best for customer complaints: Auto-Owners
Best for ease of use: State Farm
Best for young drivers: GEICO
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.The best car insurance companies in Florida
Best overall
Travelers
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.- Received fewer customer complaints than expected.
- Lots of coverage options for auto insurance.
- One of the largest insurance providers in the nation.
- Customer ratings for claim satisfaction are below average, according to J.D. Power.
Why Travelers is the best auto insurance company in Florida:
We compared 24 companies to find the best Florida car insurance, and Travelers had the highest overall score out of all the top-rated options. NerdWallet’s star ratings focus primarily on factors that might affect a customer’s experience with the company.
As one of the largest auto insurers in the country, Travelers provides a wide range of coverage types, including gap insurance and new car replacement coverage. Travelers also offers a large set of discounts that reward electronic payments, safe driving and more.
» Read the full review: Travelers auto insurance review
Best budget pick
State Farm
With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.- Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
- Generous rental car and travel expenses coverage.
- Customer satisfaction rating for buying auto insurance is the highest among large insurers, according to J.D. Power.
- Doesn’t offer gap insurance.
Full coverage cost per year, on average
$2,260
Full coverage cost per month, on average
$188
Why State Farm is the best for affordability:
In addition to being one of NerdWallet’s best car insurance companies of 2025, State Farm also has the lowest rates for full coverage in Florida among top-rated insurers, according to our April 2025 analysis.
State Farm’s full coverage rate is $2,260 a year, on average, or about $188 a month for Florida drivers, our analysis showed. (However, your own rate may be different.)
» Read the full review: State Farm auto insurance review
Each insurer has a different method of calculating rates, which is why your quotes may not match the average cost. Our advice is to compare car insurance quotes from several companies to find the cheapest option for you. You can also check out NerdWallet’s analysis of cheap car insurance in Florida for a more detailed breakdown of the most affordable insurers in the state.
Best for customer satisfaction
Auto-Owners
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.- Great set of discounts for auto insurance.
- Offers a wide variety of products with the opportunity to bundle.
- Fewer complaints than expected for auto insurance.
- Online quotes aren’t available.
Why Auto-Owners is the best for customer satisfaction:
Auto-Owners is the best car insurance company for Florida drivers when it comes to customer satisfaction. The company received far fewer complaints to state regulators than expected for a company of its size. This is based on a comparison across auto insurers in Florida with a NerdWallet 4.5-star rating or higher.
» Read the full review: Auto-Owners auto insurance review
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Best for ease of use
State Farm
With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.- Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
- Generous rental car and travel expenses coverage.
- Customer satisfaction rating for buying auto insurance is the highest among large insurers, according to J.D. Power.
- Doesn't offer gap insurance.
Why State Farm is the best for ease of use:
State Farm is the best car insurance company in Florida for ease of use, with a streamlined web experience whether you’re on a computer or a mobile device. The company provides a simple claims filing process compared with other top-rated insurers in Florida. State Farm also has high app store ratings for iOS and Android devices.
» Read the full review: State Farm auto insurance review
Best for young drivers
GEICO
With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance.- Robust website and mobile app.
- Many discounts available.
- One of the largest insurance providers in the nation.
- Doesn’t offer gap insurance.
- Below average customer satisfaction for auto insurance claims in a recent J.D. Power study.
Why GEICO is the best for young drivers:
Teens and young drivers frequently get the highest prices for car insurance quotes, often because insurers see their lack of driving experience as a risk.
In addition to offering good student and good driver discounts, GEICO offers the cheapest car insurance rates for young drivers in Florida: $383 a month, on average, for full coverage from GEICO for a 20-year-old driver, compared to the state average of $605 a month, according to our April 2025 analysis.
» Read the full review: GEICO auto insurance review
Best for military families
USAA
USAA offers insurance to active military, veterans and their families only.- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available to active military, veterans and their families only.
Why USAA is the best for military families:
If you’re an active member of the military, a veteran or have an immediate family member who served in the military, you may be eligible to get car insurance from USAA.
USAA isn’t available to the general public, but it consistently scores among the top insurance companies in the nation, according to NerdWallet’s reviews.
» Read the full review: USAA auto insurance review
Full list of the best car insurance in Florida for 2025
If you’re looking for more options, NerdWallet analyzed 24 insurers to find the best car insurance companies in Florida, all with a NerdWallet star rating of 4.5 or higher.
Company | Star rating |
|---|---|
*USAA is only available to military, veterans and their families. | |
» MORE: The best car insurance companies
Floridians have to contend with some of the highest car insurance prices in the country. That's because Florida has some of the highest rates of extreme weather, uninsured motorists, crash-related lawsuits and bad accidents. But lots of factors affect the price you pay for insurance. Check out NerdWallet's Florida car insurance quick-start guide to learn more.
How to get the best car insurance in Florida
Still not sure which company to go with? Try these tips:
Assess your needs. Evaluate your own needs and preferences before deciding on a car insurance company, since everyone’s needs are different. For example, one person might prioritize a company with strong customer service and a low-mileage discount, while another may prize affordability and a well-polished mobile app.
Do more research. While the companies on this page represent solid choices, you may want to explore other options. Whichever insurer you go with, make sure they’re financially stable, have few customer complaints and offer the coverage you need at a competitive price. You can also check out our full list of auto insurance reviews.
Consider small insurance companies. Small, regional insurers may provide a better price and customer service than the big companies you see advertised on TV. You might have to recruit the help of a local independent car insurance agent to find them.
Shop around once a year. Make a practice of shopping for car insurance quotes about once a year — especially if price is important to you. Insurers adjust car insurance rates regularly, so a company that gave you the best rate last year might no longer be a bargain this year. Be sure to get quotes from at least three insurers, and for the most accurate comparison, use the same or similar coverage options and deductibles while shopping around.
Florida car insurance requirements
At a minimum, Floridians must carry property damage liability and personal injury protection (PIP) in the following amounts:
$10,000 property damage liability per accident.
$10,000 personal injury protection.
Property damage liability insurance pays for damage you cause to other people’s property while driving, like someone’s car or fence.
PIP insurance in Florida covers your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was.
We recommend buying more than the bare minimum when it comes to all parts of your auto liability insurance, if you can afford it. You might want added protection from optional coverages such as collision, comprehensive and uninsured motorist insurance.
Check out NerdWallet’s guide to Florida auto insurance requirements for more details on coverage you might want on your Florida auto policy. And for more help finding cheap car insurance in Florida, try NerdWallet’s car insurance comparison tool.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to auto insurance; a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.
Learn more about Florida car insurance |
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NerdWallet has many more Florida car insurance guides. For more information, check out our articles below: |
How we found the best car insurance in Florida
NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies in Florida. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies is likely to change over time. In our list of the best insurers in the state, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.
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.
2022 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, 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. Poor credit rates from The Hanover were removed in both Connecticut and New York.
