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Best & Cheapest Florida Car Insurance as Rated by Customers in 2020

4.67 ★★★★★
4579 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.19 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16886 customer reviews
rated their claim's experience positively
4.05 ★★★★★
2230 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7149 customer reviews
rated their claim's experience positively
3.96 ★★★★★
1333 customer reviews
rated their claim's experience positively
3.93 ★★★★★
746 customer reviews
rated their claim's experience positively
3.89 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.74 ★★★★★
545 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.15 ★★★★★
87 customer reviews
rated their claim's experience positively
2.40 ★★★★★
54 customer reviews
rated their claim's experience positively
2.16 ★★★★★
133 customer reviews
rated their claim's experience positively
2.06 ★★★★★
38 customer reviews
rated their claim's experience positively
1.78 ★★★★★
56 customer reviews
rated their claim's experience positively

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. 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 the best and cheapest Florida car insurance companies.

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 coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

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 a married couple in Florida among the four largest car insurance companies in the state.

Car Insurance Company Married Couple Rates
Allstate Insurance $2,451
Geico $3,845
Progressive $3,717
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 senior drivers in Florida, State Farm 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
Allstate Insurance $1,634 $1,707
Geico $2,147 $2,132
Progressive $1,799 $1,917
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.

Which car insurance companies offer the best and cheapest teen car insurance rates in Florida?

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
Allstate Insurance $3,903 $4,039
Geico $2,508 $2,747
Progressive $3,745 $3,953
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.

10 Cheapest areas in Florida for auto insurance

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 10 cheapest areas in Florida for car insurance based on average rates for single adults.

Area Car Insurance Rates
Waldo $1,837
Archer $1,837
Micanopy $1,837
Newberry $1,837
Alachua $1,840
La Crosse $1,840
Gainesville $1,846
Earleton $1,847
Freeport $1,873
Santa Rosa Beach $1,873

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 1 driving incident within the past 3 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.

10 Most expensive areas in Florida for auto insurance

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
Opa-Locka $3,691
Miami Gardens $3,654
Hialeah $3,580
Miami $3,548
North Miami Beach $3,544
Homestead $3,534
Key Biscayne $3,508
Hallandale $3,441
Dania $3,395
Tampa $3,354

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 1 driving incident within the past 3 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.

Minimum car insurance coverage and limits in Florida

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, you could be underinsured for a costly accident.

Florida state minimum requirements:

Liability:

  • 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.

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.

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.

Please note that laws in the state of Florida don’t require you buy bodily injury liability, but this car insurance coverage would protect you in the event that you are sued by another driver. If you opt to buy this coverage, the minimums are $10,000 per person and $20,000 per accident.

The percentage of uninsured motorists in Florida

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 car insurance rates are 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. 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
  • Location
  • Age
  • Marital status
  • Gender
  • 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)

One of the biggest misconceptions with insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents in your area recently, your rates might still go up. How could this be the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out on the claim. However, imagine a scenario where they only raised rates for drivers with accidents. For drivers who had an expensive claim, the drivers wouldn't be able to afford the new rates determined by the payout amount that an insurer had to pay after an accident. As a result, insurance companies slightly increase rates across all customers to offset the costs. As expected, the at-fault driver may see a larger increase than the average increase in premiums.

How to save money on your car insurance in Florida

We’d all like to have the best coverage at a cheap, affordable price 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 Clearsurance rates and ranks the best car insurance companies 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:

  • Price
  • 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%.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

The Car Insurance Buying Guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. 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.