Best & Cheapest Car Insurance in Florida as Rated by Customers in 2022
Best and cheapest car insurance in Florida
Finding the best and cheapest Florida car insurance for your specific needs can be confusing and difficult. You want to have peace of mind that your insurance company will follow through with its promises if you need to make a claim, especially if you're paying a pretty penny for what they charge for an annual premium. Clearsurance is committed to collecting insurance company reviews and ratings from customers to highlight the best and cheapest car insurance companies in Florida.
With thousands of car insurance reviews from policyholders based on their individual experiences, Clearsurance provides reviews and rankings for hundreds of car insurance companies so that you can evaluate and compare. You might be surprised how often you can get the best auto insurance policy at an affordable price.
In the table above, you can sort through all of the best and cheapest car insurance Florida companies ranked on Clearsurance. The rating next to each company, the insurer's Clearsurance score, is based exclusively on the ratings provided by customers.
Note: Only those companies with at least 25 auto insurance reviews are eligible to appear in the best Florida car insurance rankings.
Are you interested in learning more about one of these Florida car insurance companies? You can visit the company's profile page to find out what additional level of coverage they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.
On this page:
- Best and cheapest car insurance Florida rates for a married couple
- Best and cheapest car insurance Florida rates for seniors
- Best and cheapest car insurance in Florida rates for teens
- 10 Cheapest areas in Florida for auto insurance
- 10 Most expensive areas in Florida for auto insurance
- Minimum car insurance coverage and limits in Florida
- Florida’s uninsured motorists percentage
Which car insurance companies offer the best and cheapest car insurance rates for a married couple in Florida?
State Farm edged out Allstate as the cheapest car insurance company for married couples in Florida among the four largest car insurance companies in the state. Rates were run for married parties in their 30s with good credit scores, midrange cars, and relatively clean driving records with one incident.
Of course, the numbers can change with more incidents or drivers who take advantage of more insurance discounts. Cheap car insurance rates hinge on many factors.
|Car Insurance Company||Married Couple Rates|
|State Farm Insurance Company||$2,256|
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 incident within the past 3 years and a good credit score. The rates displayed should only be used for comparative purposes since individual rates in the state of Florida will differ. Rate data is provided by Quadrant Information Services.
Which car insurance companies offer the best and cheapest car insurance rates for seniors in Florida?
For many senior drivers in Florida, State Farm also provides the cheapest average car insurance rates out of the four largest Florida car insurance companies by market share, followed by Allstate as the second cheapest. To discover the best car insurance companies in Florida based on your requirements, read individual company profiles and reviews for more detail.
|Car Insurance Company||Female Senior Insurance Rates||Male Senior Insurance Rates|
|State Farm Insurance Company||$1,215||$1,215|
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes since individual rates in Florida will differ. Rate data is provided by Quadrant Information Services.
The average rate for coverage is going to vary with the age of the driver. Teenagers are often looked at as high-risk drivers, because of their lack of driving history, which means they will sometimes see higher payments.
Among the four largest car insurers in Florida by market share, State Farm is the cheapest car insurance company for teen drivers, followed by GEICO.
|Car Insurance Company||Female Teen Insurance Rates||Male Teen Insurance Rates|
|State Farm Insurance Company||$2,019||$2,202|
These rates are based on profiles for 18-year-old male and female drivers in Florida. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Florida will differ. Rate data is provided by Quadrant Information Services.
Adding collision and/or comprehensive insurance could change these rates significantly. A clean driving record also comes with much different rates as compared to a driver who has multiple tickets or accidents.
Do the cheapest rates offer reliable service?
Let's assume you're buying collision coverage to protect yourself in an accident. If you go with the lowest rates with auto insurance coverage it'll obviously save you money each month. It may even allow you save the extra money you would've spent on more expensive rates and other, optional coverage that were required by other companies. But what happens if you're involved in an accident? Do the companies refuse to pay? Do they take care of your claim efficiently?
Insurance companies have to evaluate your accident and coverage before paying any claim. The cheapest companies are also industry giants, and they have entire teams dedicated to processing claims. Reviews are mixed, but in most cases, they seem to pay reliably and fairly.
Before judging a company based on their rates, look at their financial responsibility ratings; checking out their customer satisfaction rating couldn't hurt while you're at it. If it looks like they have a clean record of handling claims and complaints, they may be a good fit for you.
Just as your location can affect your auto policy payments, so can your ZIP code. Car insurance rates in the state of Florida vary significantly based on cities and neighborhoods. On average, the cheapest car insurance can be found in the areas of Archer, Micanopy, Newberry and Waldo, all tied as the cheapest car insurance rates in Florida.
In the table below, you can see the top ten cheapest areas in Florida for car insurance based on average rates for single adults.
|Area||Car Insurance Rates|
|Santa Rosa Beach||$1,873|
These auto insurance rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in the state of Florida will differ. Rate data is provided by Quadrant Information Services.
Car insurance in Florida can be expensive, depending on the area. The cost of car insurance varies by neighborhood in Florida cities as a result of varying crime rates and the frequency of accidents or other claims. The most expensive area for car insurance in Florida is Opa-Locka, but Miami Gardens isn't far behind. The table below displays the top 10 most expensive areas in Florida for car insurance based on average rates for a single adult.
|Area||Car Insurance Rates|
|North Miami Beach||$3,544|
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in the state of Florida will differ. Rate data is provided by Quadrant Information Services.
In order for Floridians to drive legally, the state requires residents to buy the minimum coverage amounts for property damage liability and personal injury protection (PIP). The good news for Florida residents is that the state's required minimum coverage limits are lower than most states.
However, it may not be wise to simply purchase minimum coverage to save money. If you only purchase the minimum requirements with the smallest limit of coverage, it doesn't cover your damages in a big accident when you're at fault.
If you are at fault and the other party suffers more costly medical bills than your policy covers, they or their insurance company may go to court to satisfy that amount.
Florida state minimum requirements:
- Property damage — $10,000 per accident
Personal injury protection:
- $10,000 per person
Property damage liability in Florida provides coverage in the event that you damage someone else's property in a car accident. This is most commonly another vehicle, but also includes other items such as a home or a fence.
Personal injury protection (PIP) provides coverage for any medical expenses or income loss that result from a car accident. It also provides coverage, up to the policy's limits, for family members in the vehicle and for a few other situations.
What does it mean that Florida is a no-fault state?
Florida is a no-fault state. This means that your Florida insurance company is responsible for covering you in the event of a car accident, regardless of who caused the accident. This makes it especially important for you to have the necessary car insurance coverage to protect yourself in the event you are injured in a car crash, even if it means paying for a higher overall annual premium.
Additionally, drivers in no-fault states typically can't sue the other driver for pain and suffering (barring severe injuries that meet a certain threshold). This means that your personal injury protection (PIP) and health insurance will be responsible for covering all the associated costs.
Again, if you only have the state minimum coverage and the other party's injuries are much more significant, you could still be at risk.
Please note that laws in the state of Florida don't require you buy bodily injury liability. If you opt to buy this coverage, the minimums are $10,000 per person and $20,000 per accident.
Uninsured motorist coverage may seem unnecessary given that Florida is a no-fault state. After all, why should it matter to you if the other driver has insurance if your company is responsible for your injury claims anyway? In most accidents, uninsured motorist coverage wouldn't be needed. However, if you are involved in a car accident that results in serious injuries that allow you to sue the other driver, there may not be any money to collect if the at-fault driver is uninsured.
It's worth noting that the state Florida is notorious for having uninsured drivers. Florida's percentage of uninsured drivers is 26.7, the highest of any state in the United States, according to 2015 data from the Insurance Information Institute. By comparison, the national average in 2015 was 13 percent.
How is an annual rate of coverage calculated in Florida?
It can be frustrating trying to understand how your insurance rates are calculated when searching and comparing quotes from the best and cheapest auto insurance companies in Florida. You may also find that you can pay either a monthly or an annual rate.
While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance.
Among the factors that car insurers consider are:
- Your driving record
- How much you drive
- Marital status
- Your car’s make, model and year
- Your credit history
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)
There are many misconceptions about how insurance works. Even Florida's no-fault law is often misconstrued. One of the major pain points for drivers is the fact that your location affects your insurance rates. Why should you have to pay more if you have a clean driving record and you've worked hard to avoid poor credit?
Unfortunately, being in certain high crime or high accident areas makes you a greater risk. Even if you're the safest driver in the world, you can't always control the drivers around you. An insurance company's risk calculation has to account for this. Even when they can recover the money they paid you for a claim, there are administrative and sometimes legal costs to consider.
How can you save money on your coverage policy in Florida?
We'd all like to have the best coverage at affordable prices from one of the best and cheapest Florida car insurance companies. While you would never want to sacrifice quality to save a couple of dollars, there are some different ways that you can lower your car insurance premium.
Here are six ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies (home insurance + car insurance)
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance (pay-per-mile car insurance)
- Monitor price changes to your policy
- Shop for better insurance rates
How does Clearsurance rate and rank insurers in Florida?
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well (strengths) compared to the percentage of what customers say the company could do better (opportunities).
Finally, there is also a confidence factor based upon the number of reviews a company has by product. If there are fewer than 100 reviews, Clearsurance reduces the 'confidence' in the star rating. This is most impactful when there are fewer than 25 reviews for a company. Companies with 100 or more reviews, aged two years or less, receive 100% weighting (no deduction), while companies with 50 to 99 customer reviews receive a weighting of 95%, 25 to 49 reviews receive a weighting of 90% and companies with less than 25 reviews a weighting of 85%.
This is how we can recommend some auto insurance companies with confidence. Affordable car insurance combines your monthly premium with the amount you pay during the year for any claims. So reliability is a major factor in our rankings of insurance providers.
Large companies like Allstate, State Farm, and GEICO are able to maintain low rates without sacrificing service. Depending on the person, though, local companies sometimes offer a greater insurance discount. This is why it's important to get multiple insurance quotes when you're shopping.
Is there a guide for buying an auto policy?
Whether you're buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. There is still such a wide range of questions out there that a driver may have.
Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
Clearsurance wants to ensure you’re equipped with a proper knowledge of car insurance, so check out Clearsurance's car insurance guide. Looking for more educational information about car insurance? Check out Clearsurance's car insurance blog for more information and topics related to car insurance.
Frequently Asked Questions
Who offers the most affordable rates for teen drivers in Florida?
Among the four largest car insurers in Florida by market share, State Farm is the cheapest car insurance company for teen drivers. If you want to obtain an even lower annual rate for your teen drivers, check with your provider if they offer any discount for students, or have them take a defensive driving course.
Who offers the most affordable coverage for a married couple in Florida?
State Farm edged Allstate as the cheapest car insurance company for a married couple in Florida among the four largest car insurance companies in the state. It may not seem like it, but sometimes the cheapest option you may be given will be if you mention that you're married.
Who offers the most affordable options for senior drivers in Florida?
For senior drivers in Florida, Allstate provides the cheapest average car insurance rates out of the four largest Florida car insurance companies by market share.