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Budget-friendly car insurance options in Florida include State Farm, GEICO, and Mile Auto.
Full-coverage car insurance in Florida averages $243 per month, compared to the national average of $193. Your actual premium depends on multiple factors, including your age, driving history, and location. The most effective way to find your rate is by getting quotes from several insurance companies.
Here, we analyze Florida's most affordable car insurance choices by coverage type, driver characteristics, and insurance provider.
Affordable full-coverage car insurance in Florida
Full-coverage insurance in Florida averages $243 monthly, compared to $193 nationally. Among Florida's cheapest car insurance providers, State Farm, GEICO, and Mile Auto stand out.
| Average monthly full coverage cost | |
| Florida average | $243 |
| National average | $193 |
| State Farm | $109 |
| GEICO | $166 |
| Mile Auto | $167 |
| Allstate | $189 |
Affordable liability-only car insurance in Florida
Among the most affordable liability car insurance providers in Florida, State Farm, Mile Auto, and GEICO offer competitive rates.
Liability-only coverage in Florida costs an average of $173 monthly, while the national average sits at $106.
| Average monthly liability-only cost | |
| Florida average | $173 |
| National average | $106 |
| State Farm | $92 |
| Mile Auto | $129 |
| GEICO | $154 |
| Allstate | $161 |
Cheap car insurance in Florida by age
Age significantly impacts insurance costs. Car insurance for teens carries the highest premiums, averaging $418 per month in Florida because of their limited driving experience.
Rates decrease as drivers enter their 20s, averaging $304 monthly. Premiums continue dropping for those in their 30s and 40s, with average costs of $266 and $254 per month, respectively.
Costs may increase again for drivers 60 and older. Florida seniors pay approximately $213 monthly in their 60s and $217 in their 70s.
These age-related premium variations reflect different risk levels associated with each demographic, with younger drivers considered higher risk and older drivers sometimes facing increased rates due to factors like health and driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $418 | $297 |
| 20s | $304 | $216 |
| 30s | $266 | $189 |
| 40s | $254 | $181 |
| 50s | $231 | $164 |
| 60s | $213 | $151 |
| 70s | $217 | $154 |
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Cheap car insurance in Florida for high-risk drivers
Insurance costs typically increase when you have a moving violation or accident on your driving record. Below are the average costs in Florida for drivers with accidents, speeding tickets, or DUI convictions, based on rates for car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $306 | $218 |
| Speeding ticket | $277 | $197 |
| DUI | $297 | $211 |
Compare low-cost car insurance after an accident
For Florida drivers with an accident history, State Farm, GEICO, and Mile Auto provide affordable car insurance options. Drivers with accidents pay an average of $306 monthly for full-coverage protection.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $136 | $115 |
| GEICO | $197 | $183 |
| Mile Auto | $213 | $164 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Florida drivers with speeding violations can find budget-friendly coverage through State Farm, Mile Auto, and GEICO. Full coverage for drivers with speeding tickets averages $277 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $127 | $107 |
| Mile Auto | $189 | $145 |
| GEICO | $202 | $187 |
Compare low-cost car insurance after a DUI conviction
Florida drivers with DUI convictions can secure affordable full coverage through State Farm, GEICO, and Mile Auto. Full coverage for drivers with DUI records averages $297 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $146 | $124 |
| GEICO | $223 | $207 |
| Mile Auto | $224 | $173 |
Cheap car insurance in Florida by credit score
Drivers with excellent credit in Florida pay approximately $219 monthly. Meanwhile, drivers with poor credit face significantly higher costs, with premiums beginning at $304 per month.
This rate disparity demonstrates how credit scores influence insurance pricing, with poor credit typically resulting in elevated premiums due to the perceived risk of payment default.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $219 | $156 |
| Good | $240 | $170 |
| Average | $256 | $182 |
| Poor | $304 | $216 |
FAQs
What is the minimum car insurance required in Florida?
Florida law mandates that drivers carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) coverage. These minimums are essential for legally operating a vehicle in the state.
Is Florida a no-fault insurance state?
Yes, Florida operates under a no-fault insurance system. This means that after an accident, your own insurance covers your medical expenses, regardless of who was at fault.
How can I lower my car insurance premiums in Florida?
To reduce your premiums, consider bundling policies, maintaining a clean driving record, increasing deductibles, and shopping around for quotes. Additionally, some insurers offer discounts for safe driving or installing anti-theft devices.
Does my credit score affect my car insurance rates in Florida?
Yes, insurers in Florida often use credit scores as a factor in determining premiums. A higher credit score can lead to lower insurance costs, as it's associated with lower risk.
What happens if I drive without insurance in Florida?
Driving without insurance in Florida can result in penalties such as license suspension, fines, and vehicle impoundment. It's crucial to maintain at least the minimum required coverage to avoid these consequences.
Bottom line
Though these companies may offer Florida's lowest rates, they might not provide the most affordable coverage for your specific insurance needs. The most effective approach is obtaining quotes from multiple insurance providers and comparing them based on both cost and service quality.
Data throughout provided by Insurify.
Average rate:
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