The best cheap car insurance in Florida for 2026

Drivers in Florida spend more on car insurance than in almost any other state: Full coverage auto insurance averages $4,125 a year, far higher than the national average of $2,692.

In part, premiums are elevated because Florida is a no-fault state and drivers must buy personal injury protection (PIP). The Sunshine State also has a higher rate of uninsured drivers, a history of insurance fraud and a larger volume of claims, including those resulting from severe weather.

CNBC Select has reviewed dozens of insurance companies that issue policies in Florida to pick the best for price and a variety of other categories. (See our methodology for more information on how we made our picks.) 

Sample rates taken from Bankrate analysis of Quadrant Information Services data.

Who's this for? Geico has the lowest rates in Florida of any insurer we reviewed. It also scored above average for customer satisfaction in J.D. Power's 2024 auto insurance survey, so you're not sacrificing service for cost.

Standout benefits: Customers over 50 earn a discount for completing a defensive driver course, making Geico a good fit for seniors.

[ Click here for more on Geico ] 

Who's this for? Bristol West specializes in insuring motorists with bad credit, at-fault accidents, DUI convictions and other high-risk categories.

Standout benefits: Bristol West offers rideshare coverage in Florida and provides $500 coverage for damage to your travel trailer.

[ Click here for more on Bristol West ] 

Who's this for? Travelers has optional add-ons that other competitors don't, like gap insurance, new car replacement, two kinds of accident forgiveness, rideshare insurance and non-owner car insurance.

Standout benefits: Responsible drivers can also benefit from Travelers, with an IntelliDrive program that tracks your driving for 90 days and rewards safe motoring with up to 30% off.

[ Click here for more on Travelers ] 

Who's this for? Families with teens generally pay more for insurance, but State Farm pairs affordable rates with sizeable discounts for young drivers who complete a driver education course, leave their car at home when they go to college or earn good grades.

Standout benefits: State Farm's travel expense benefit reimburses up to $500 for lodging and other costs if your car breaks down more than 50 miles from home.

[ Click here for more on StateFarm ] 

Who's this for? USAA car insurance is available to current and former service members and their families, with consistently low rates in Florida for both minimum and full-coverage policies.

Standout benefits: If you store your vehicle on base, you can save up to 15% on comprehensive coverage. Deployed and not using your car? USAA can slash your premiums by up to 60%.

Average full coverage rates in Florida: $2,720 a year

[ Click here for more on USAA ] 

Who's this for? Any resident who pays the annual membership fee can join the Florida Farm Bureau Federation and enjoy basic car insurance at an affordable rate. Since the organization also offers homeowners and flood policies, you can save by bundling.

Standout benefits: Auto policies include pet injury coverage, which pays up to $500 for vet bills if your cat or dog is injured in a covered accident.

Average full coverage rates in Florida: $4,849 a year

[ Click here for more on Farm Bureau Insurance ] 

Started as the Government Employees Insurance Company in the 1930s, Geico has broadened its membership and evolved into the third-largest auto insurer in the U.S., with 12.3% of the market in 2024. Since 1996, the company has been a wholly owned subsidiary of Warren Buffett's Berkshire Hathaway.

J.D. Power customer satisfaction ranking: Above average

NAIC company complaint index: Fewer complaints than expected

Better Business Bureau rating: A+

[ Return to summary ] 

A division of the Farmers Insurance Group, Florida-based Bristol West focuses on nonstandard insurance for high-risk drivers, including those with poor credit, speeding tickets, at-fault accidents and DUI convictions. Payments can be made online, over the phone, with autopay, through the mail or via Western Union or MoneyGram.

J.D. Power customer satisfaction ranking: Not rated

NAIC company complaint index: More complaints than expected

Better Business Bureau rating: A+

[ Return to summary ] 

Travelers issued the first car insurance policy in the U.S. back in 1897. Today, it's one of the largest auto policy providers in the country, with plans sold by more than 15,000 independent agents nationwide.

J.D. Power customer satisfaction ranking: Below average

NAIC company complaint index: More complaints than expected

Better Business Bureau rating: A+

[ Return to summary ] 

State Farm is the largest private passenger auto insurer in the U.S., with over 18% of the market. It offers numerous insurance lines, including policies for renters and homeowners, life insurance, health insurance, small business insurance and (through Trupanion) pet insurance.

J.D. Power customer satisfaction ranking: Above average

NAIC company complaint index: Slightly more complaints than expected

Better Business Bureau rating: C-

 [ Return to summary ] 

Membership in USAA is open to active-duty service members, veterans, the National Guard,Reserves, ROTC cadets and their families. While USAA ranks highly for overall customer satisfaction and the claims process, it has a higher volume of complaints than similarly sized competitors.

J.D. Power customer satisfaction ranking: Above average

NAIC company complaint index: More complaints than expected

Better Business Bureau rating: A+

[ Return to summary ] 

The Florida Farm Bureau has offices in 60 of Florida's 67 counties and membership starts at $40 a year. In addition to homeowners, flood and life insurance, it offers financial services through Farm Bureau Bank.

J.D. Power customer satisfaction ranking: Not rated

NAIC company complaint index: Fewer complaints than expected

Better Business Bureau rating: A+

[ Return to summary ] 

Car insurance premiums in Florida are considerably higher than the national average for a variety of reasons.

No-fault state

Florida drivers file a claim with their insurer regardless of fault and are required to have personal injury protection (PIP) coverage, which can drive up rates.

Severe weather

Because hurricanes and other severe weather events are more common in coastal states, rates are higher for comprehensive coverage, which pays for damage caused by tree branches, wind and flooding.

Uninsured drivers

Because Florida has a high percentage of uninsured drivers, motorists are encouraged to get uninsured/underinsured motorist insurance, which can raise rates.

Traffic

Florida is a major tourism destination with many busy roadways, so the risk of accidents is higher than elsewhere.

Crime

The state has the third-highest number of vehicle thefts in the U.S. and a larger number of lawsuits related to windshield replacement scams.

Florida's minimum car insurance requirements mean drivers must have at least $10,000 in property damage liability, which can pay for damage to another person's vehicle or property.

Florida is a no-fault state, so bodily injury liability insurance is not required. Drivers must have at least $10,000 in personal injury protection (PIP), however, which covers medical expenses, lost wages and other costs for you or your passengers after an accident, regardless of who was at fault.

You can still sue for claims related to serious injury, wrongful death or bad faith on the part of an insurance company.

There are several strategies to make sure you're getting the most affordable auto insurance in Florida.

Step 1: Shop around

Get rate quotes from at least three providers, requesting the same coverage limits and deductibles. Review any discounts you may qualify for and ask your current provider if they can meet the competition's offerings.

Step 2: Explore discounts

Car insurance companies offer a variety of discounts based on the type of driver you are, the type of car you own and how you get quotes and buy insurance. Good students, homeowners, safe drivers and customers who pay their annual premium in full can often earn reductions.

Many companies have deals for customers who bundle auto and homeowners insurance, with discounts of more than 20% in some cases.

Step 3: Improve your credit score

In Florida, insurers are allowed to consider your credit history when determining your rates. Paying off debts, making on-time payments and limiting your debt-to-income ratio can raise your credit-based insurance score and earn you lower premiums.

Step 4: Drive safely

Speeding tickets, at-fault accidents, DUI convictions and other high-risk behavior can cause your insurance premiums to soar. Many insurance companies offer discounts for drivers who install a telematics program, complete an approved defensive driving class or go a certain number of years without filing a claim.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every auto insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of auto insurance products. To research the best auto insurance companies, we compiled data points on more than a dozen auto insurance companies doing business in Florida. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

To determine the best car insurance companies in Florida, CNBC Select analyzed dozens of U.S. insurance companies offering car insurance in the state.

When narrowing down and ranking the best car insurance companies, we focused on cost, coverage, and customer service.

We considered complaint index data from the National Association of Insurance Commissioners and customer satisfaction ratings from J.D. Power and the Better Business Bureau.

We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools. 

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