The cheapest auto insurance in Florida, based on mid-2026 rates across the state, is GEICO at roughly $30 a month for a minimum-coverage policy, followed by State Farm at $36. For full coverage, GEICO and State Farm are tied at $175 a month, with UAIC at $191 and Travelers at $197.1NerdWallet. Cheap Car Insurance in Florida Which company is actually cheapest for you depends on your ZIP code, driving record, credit, age, and vehicle, so the figures below are a starting point for comparison, not a quote.
Florida’s average full-coverage premium is close to $3,854 a year, among the highest in the country, which makes shopping carefully worth real money.
Cheapest Companies for Minimum Coverage
Florida only requires two coverages to register a car: $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). That keeps minimum-coverage premiums low. The lowest monthly medians statewide, as of July 2026:1NerdWallet. Cheap Car Insurance in Florida
- GEICO — $30
- State Farm — $36
- Travelers — $51
- Mercury — $55
- Nationwide — $62
Florida does not require bodily injury liability for most drivers, which is why these numbers are so low. The exception is drivers convicted of DUI, who must carry $100,000/$300,000 in bodily injury liability and $50,000 in property damage for three years after license reinstatement.2The Florida Bar. Motor Vehicle Accident Information
Cheapest Companies for Full Coverage
Full coverage adds collision, comprehensive, and higher liability limits. The gap between the cheapest and most expensive insurers for the same driver is substantial.1NerdWallet. Cheap Car Insurance in Florida
- State Farm — $175/month
- GEICO — $175/month
- UAIC — $191/month
- Travelers — $197/month
- Progressive — $442/month
- Direct Auto — $511/month
That nearly three-to-one spread between State Farm and Direct Auto is why pulling at least three quotes before every renewal matters so much. A 2024 Consumer Reports survey found that drivers who switched insurers in the previous five years saved a median of $461 a year.3AARP. Save on Auto Insurance Florida’s Office of Insurance Regulation runs a free CHOICES rate comparison tool that shows sample county-level rates across insurers for three standard driver profiles, which is a useful first look before you request formal quotes.4Florida Office of Insurance Regulation. CHOICES Rate Comparison Search
Cheapest Options After an Accident, DUI, or With Bad Credit
Rates go up for everyone with a mark on their record, but some insurers absorb the risk more cheaply.1NerdWallet. Cheap Car Insurance in Florida
- After an at-fault accident: State Farm is cheapest for full coverage at a statewide median of $226 a month. GEICO is cheapest for minimum coverage.
- After a DUI: State Farm is most often the cheapest full-coverage option across major Florida cities; GEICO is cheapest for minimum coverage.
- Poor credit: UAIC is most often cited as the cheapest full-coverage option, with annual rates ranging from about $2,410 in Jacksonville to $3,468 in Tampa. GEICO leads for minimum coverage.
Drivers who need an FR-44 after a DUI, or an SR-22 for lesser violations, pay more because of the higher required limits. For FR-44 minimum coverage, Progressive runs about $92 a month and State Farm about $95.5Insurify. SR-22 Car Insurance in Florida Not every insurer handles these filings, so you may need to change carriers.
A Warning About UAIC
United Automobile Insurance Company shows up repeatedly as a low-cost option, especially for drivers with poor credit or blemished records. The company’s A.M. Best financial strength rating has been listed as “Not Rated” since 2016, following years of “Weak” ratings. NAIC complaint data shows UAIC receives roughly 24 times as many complaints as competitors of similar size, with common issues including lengthy claims processes, claim denials, and difficulty reaching customer support.6ValuePenguin. United Automobile Insurance Review A Florida regulatory examination found UAIC’s combined ratio exceeded 100% every year from 2016 through 2020, meaning it consistently paid out more in claims and expenses than it collected in premiums.7Florida Office of Insurance Regulation. UAIC Examination Report A low premium is worth less if claims go unpaid or take months to resolve.
How Your City Changes the Price
Where you live inside Florida is one of the strongest predictors of what you’ll pay. Among the cheapest cities for auto insurance, Gainesville, Panama City, Punta Gorda, and Sebring all average around $85 to $86 a month, and Tallahassee comes in near $88. At the expensive end, Lake Worth averages about $189, Tampa $172, and Hialeah $167.8Compare.com. Cheapest Cities for Car Insurance in Florida A move across a county line can shift premiums significantly.
What Minimum Coverage Actually Buys You
The cheapest policy you can legally drive on in Florida is $10,000 PIP plus $10,000 PDL. PIP covers 80% of necessary medical expenses after a crash regardless of fault. PDL pays for damage you cause to other people’s property. There is no bodily injury liability requirement for most drivers.
That protection is thin. $10,000 in PIP can be used up by a single emergency room visit, and $10,000 in property damage can be exhausted by a moderate collision with a newer vehicle. If you cause a crash that seriously injures someone and carry no bodily injury coverage, you can face a personal lawsuit with no insurance behind you.
Nearly 20% of Florida drivers carry no insurance at all, the fifth-highest uninsured rate in the country.9Florida Policy Project. Best Practices for Automobile Insurance in Florida Uninsured/underinsured motorist (UM/UIM) coverage is not required in Florida and only about 52% of policyholders carry it, but it protects against the single most common and financially damaging scenario on Florida roads: being hit by someone with no coverage.
Also worth knowing: letting coverage lapse without first surrendering your license plates can suspend your license and registration, with reinstatement fees up to $500.10Florida Highway Safety and Motor Vehicles. Insurance Requirements
Ways to Lower What You Pay
Raise Your Deductible
Moving a deductible from $500 to $1,000 can cut annual premiums by 20% to 25%.11Consumer Reports. How to Save Big on Your Car Insurance For older cars with low market value, dropping collision and comprehensive altogether may make sense. A common rule of thumb is to consider it when the yearly premium for those coverages exceeds 10% of what the car is worth.
Stack Discounts
Most Florida insurers let you combine multiple discounts:12Insurify. Florida Car Insurance Discounts
- Safe driver — up to 30% for a clean record
- Multi-policy bundling — up to 25% for combining with homeowners or renters
- Good student — up to 25% for full-time students with a 3.0 GPA or better
- Anti-theft devices — up to 23% off the comprehensive portion
- Low mileage — up to 20% below a set annual threshold
- Mature driver course — Florida requires insurers to offer a discount to drivers 55 and older who complete an approved six-hour defensive driving course
Autopay, paperless billing, and paying the annual premium in a single lump sum (which can save 7% to 9%) add up on top of those.13Florida Insurance Council. Save Money on Insurance
Try Pay-Per-Mile If You Drive Little
Drivers who work from home, are retired, or rely mostly on transit may save 20% to 40% with a pay-per-mile policy. These charge a fixed monthly base rate plus a per-mile fee, typically $0.02 to $0.10. Nationwide’s SmartMiles and Allstate’s Milewise are both offered in Florida.14MoneyGeek. Pay-Per-Mile Car Insurance Mile Auto tracks mileage through monthly odometer photos instead of a plug-in device.15NerdWallet. Pay-Per-Mile Car Insurance The savings disappear above roughly 1,500 miles a month, so run the numbers before switching.
Watch Your Credit and Record
Insurers lean heavily on credit-based insurance scores, and drivers with poor credit can pay roughly double what those with good credit pay. A single speeding ticket can raise premiums by 16% or more.16Forbes. Factors That Affect Car Insurance Rates Both are slow fixes, but they move the price more than any discount.
Rates Are Dropping Right Now
Tort reforms passed in 2022 and 2023 are producing measurable rate cuts, which is a good reason to re-shop even if you were quoted recently. As of early 2026, Florida’s five largest auto insurance groups had lowered premiums by an average of 8%, affecting nearly 80% of the state’s policyholders.17Tallahassee Democrat. Florida Auto Insurance Rates Dropping Specific reductions include:
- AAA — 15% cumulative reduction across three approved decreases, with a fourth taking effect in early 2026
- State Farm — a 10.1% requested decrease plus a $533 million dividend to Florida policyholders, averaging $173 per vehicle
- Progressive — 8% average rate reduction, on top of about $950 million in rebates and credits returned to 2.7 million policyholders in 2025
- USAA — 7% reduction effective by May 2026, representing over $125 million in estimated savings
- Allstate — 7% decrease affecting more than 171,000 drivers
- GEICO — over $350 million in premium reductions for more than 700,000 customers, beginning April 2026
State regulators have tied these cuts directly to the recent legislative reforms.18Florida Office of Insurance Regulation. Commissioner Mike Yaworsky Announces More Significant Auto Rate Decreases If your current premium reflects pre-reform pricing and your insurer hasn’t passed the reduction through yet, a round of fresh quotes may surface a cheaper option quickly.