Florida • Auto insurance • Company shortlist
Ten Cheap Car Insurance Companies in Florida to Compare
These ten cheap car insurance companies in Florida are a starting point for comparing low rates: Allstate, Farmers, GEICO, Infinity (Kemper), Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, and USAA. The cheapest one for you depends on your drivers, vehicles, location, and coverage.
Blake Insurance Group is an independent agency serving clients by phone, email, and online in states where we are licensed. Quotes depend on underwriting.
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Ten car insurance companies in Florida
| Company | What to know |
|---|---|
| Allstate | National insurer with exclusive agents and Drivewise telematics |
| Farmers | National insurer with exclusive agents |
| GEICO | National direct insurer selling online and by phone |
| Infinity (Kemper) | Nonstandard and standard auto insurer sold through agents |
| Liberty Mutual | National insurer sold direct and through agents |
| Nationwide | National insurer through independent agents and direct |
| Progressive | National insurer sold online and through independent agents |
| State Farm | National mutual with exclusive agents |
| Travelers | National insurer through independent agents |
| USAA | For eligible military members, veterans, and families |
Listed alphabetically, not ranked by price. The cheapest company depends on your profile.
Florida rules that affect price
Florida is a no-fault state requiring $10,000 in PIP and $10,000 in property damage liability. Bodily injury liability is not generally required, so many drivers carry little, which makes uninsured motorist coverage valuable.
| Requirement | Florida |
|---|---|
| Minimum liability | $10,000 personal injury protection and $10,000 property damage liability; bodily injury liability is not generally required |
| Uninsured motorist | Uninsured motorist coverage must be offered. |
| Fault system | No-fault |
Source: Florida Office of Insurance Regulation and Insurance Information Institute summaries. Requirements change; confirm current rules.
How cheap car insurance works
Cheap car insurance comes from two things: being a lower-risk driver in the eyes of insurers, and comparing several insurers with the same coverage. Prices for the same driver can vary by hundreds of dollars a year between companies, because each insurer weighs driving records, credit-based insurance scores where allowed, vehicles, and ZIP codes differently.
The cheapest option is usually a state-minimum policy, but minimum limits can leave you personally responsible for damages above them. A slightly higher premium for higher liability limits is often worth it.
Ways to save
- Compare at least three insurers with identical limits and deductibles.
- Raise collision and comprehensive deductibles, or drop them on older cars worth little.
- Ask about bundling, multi-car, good driver, good student, and paid-in-full discounts.
- Consider telematics or pay-per-mile programs if you drive safely or rarely.
- Keep continuous coverage; a lapse raises future prices.
- Improve your record over time; violations usually stop affecting price after three to five years.
Coverage terms to match on every quote
| Coverage | What it pays for | What to match |
|---|---|---|
| Bodily injury liability | Injuries you cause to others | Per-person and per-accident limits, such as 100/300 |
| Property damage liability | Damage you cause to others' property | Same limit on both quotes, such as $100,000 |
| Uninsured/underinsured motorist | Your injuries when the at-fault driver lacks enough coverage | Same limits; ideally equal to your liability limits |
| Collision | Damage to your car from a crash | Same deductible |
| Comprehensive | Theft, fire, hail, flood, animal strikes, glass | Same deductible; note any glass option |
| Medical payments or PIP | Medical costs for you and passengers | Same limit; PIP rules depend on your state |
| Rental and roadside | Transportation during repairs; towing | Same daily and total limits |
Limits shown are examples, not recommendations. State minimum requirements differ.
Three coverage levels compared
| Level | Liability limits | Who it may fit | Trade-off |
|---|---|---|---|
| State minimum | $10,000 personal injury protection and $10,000 property damage liability; bodily injury liability is not generally required | Drivers with few assets who need the lowest legal price | Little protection after a serious crash |
| Middle | 100/300/100 | Many households with savings or a home | Moderately higher premium |
| Higher | 250/500/100 or more | Homeowners and drivers who want an umbrella policy | Highest premium, strongest protection |
Examples only, not recommendations. Add UM/UIM at matching limits where possible.
Moving from the minimum to a middle level often costs less than people expect, because liability premiums do not rise in proportion to limits. Ask for both prices before deciding.
Ways to lower your premium
- Compare at least three quotes with identical coverage every year or two, and whenever your premium jumps at renewal.
- Raise collision and comprehensive deductibles to an amount you could pay tomorrow without strain.
- Drop collision and comprehensive on an older car only when the car's value is low enough that you could replace it yourself.
- Ask about every discount: multi-policy, multi-vehicle, good student, defensive driving, paperless, paid-in-full, and safety equipment.
- Try a driving-data program if you drive carefully and are comfortable sharing driving data. See usage-based insurance.
- Keep continuous coverage. Even a short lapse can raise future rates.
- Report accurate mileage. Lower annual mileage can mean a lower premium.
- Bundle auto with renters or homeowners insurance where the combined price is lower.
Discounts to ask about
| Discount | Who it may fit | What to ask |
|---|---|---|
| Multi-policy | Households with renters or home insurance | How much it saves on the total, not just auto |
| Multi-vehicle | Households with two or more cars | Whether every car must be on one policy |
| Good student | Students with qualifying grades | Grade requirements and proof needed |
| Defensive driving | Drivers who complete an approved course | Which courses qualify and how long the discount lasts |
| Telematics | Careful, low-mileage drivers | Whether the program can raise your rate |
| Paid in full and autopay | Drivers who can pay upfront | How installment fees compare |
| Safety and anti-theft | Newer vehicles with safety features | Which features qualify |
Discount names, amounts, and availability vary by insurer and state.
Coverage you should think twice about cutting
Some coverage cuts save very little and expose you to large losses. Be cautious about:
- Buying only the state minimum liability. Minimum limits can be exhausted by a single serious injury, leaving you personally responsible for the rest.
- Rejecting uninsured motorist coverage. It protects you when the at-fault driver has no insurance or too little. See uninsured and underinsured motorist coverage.
- Dropping collision on a financed car. Lenders and lessors usually require it.
- Letting the policy lapse between vehicles or during a move.
How insurers set your price
Most insurers price a policy using your driving record, years licensed, age where allowed, the vehicle, where it is garaged, annual mileage, coverage limits, deductibles, prior insurance history, and, where state law permits, a credit-based insurance score. Each insurer weighs these factors differently, which is why quotes for the same driver can differ by hundreds of dollars. Improving the factors you control, especially your record and continuous coverage, pays off over several renewals.
Payment plans and fees
How you pay can change your total cost. Many insurers charge installment fees for monthly payments, and some offer discounts for paying the full term upfront, enrolling in automatic payments, or going paperless. If paying in full is not possible, ask which payment plan has the lowest fees. Missing a payment can cancel your policy and create a lapse, which raises future rates, so set up reminders or autopay.
If you are considered high risk
If several insurers decline you because of violations, accidents, a lapse, or a DUI, you still have options. Many insurers specialize in higher-risk drivers, and every state has a residual market plan for drivers who cannot find coverage in the voluntary market. Prices are higher, but keeping coverage continuous and your record clean will usually bring rates down over three to five years. If a court or the motor vehicle agency requires an SR-22 or similar filing, see our SR-22 insurance and high-risk auto insurance pages.
When an agent may help
Online tools work well for simple situations. A conversation with a licensed agent may be more useful when:
- You have a teen driver, several vehicles, or drivers with recent accidents or violations.
- You need an SR-22 or other state filing. See our SR-22 insurance page.
- You use a vehicle for rideshare, delivery, or other business purposes.
- You own a home, rental property, or significant savings and want liability limits that work with an umbrella policy.
- You have had a claim denied or a policy nonrenewed and need help understanding your options.
An agent can also explain differences in policy wording that are hard to see on a results page.
Switching insurers without a gap
If a new quote is lower, switch carefully so you are never uninsured:
- Confirm the final price after the insurer verifies your information.
- Set the new policy to start on or before the date the old one ends.
- Give the new insurer your lender or lessor information if the vehicle is financed.
- Save your new ID cards and declarations page.
- Cancel the old policy effective the same day, and ask about any refund of unused premium.
- If you have an SR-22, confirm the new insurer files it before the old filing ends.
What to have ready for a quote
These details help produce accurate quotes.
- Driver details. License numbers and dates of birth for every household driver.
- Vehicle VINs. And annual mileage for each vehicle.
- Driving history. Accidents and violations in the past three to five years.
- Current declarations page. To match limits and deductibles.
- Garaging address. Where each vehicle is kept in Florida.
Ten cheap car insurance companies in Florida FAQs
Is this list a ranking?
No; companies are listed alphabetically.
Which company is cheapest in Florida?
It depends on your profile; compare quotes.
What is the minimum in Florida?
$10,000 personal injury protection and $10,000 property damage liability; bodily injury liability is not generally required.
Should I buy only the minimum?
It is legal but may leave you exposed.
Does Blake Insurance Group represent these companies?
Inclusion does not mean we do.
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Important information
Compensation. Links in the partner quote box near the top of this page are sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16117464. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Independent comparison. Company names are trademarks of their owners and are used for identification only. Listing a company is not a ranking, and inclusion does not mean a company will quote every driver or that Blake Insurance Group represents it.
Legal requirements. State requirements summarized here are general information as of October 2026 and can change. This page is not legal advice; confirm current rules with your state's insurance regulator or motor vehicle agency.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
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