Cheapest Car Insurance In Florida 2025
In Florida, Travelers delivers the most cost-effective option for minimum coverage car insurance, averaging $37 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When seeking the lowest car insurance rates in Florida, you’ll find a variety of options to choose from.
Travelers ranks highest for cheap liability-only insurance. State Farm is the go-to for budget-friendly full coverage, and Travelers delivers the best prices for younger drivers.
Cheapest Car Insurance Companies In Florida 2025
Cheapest Liability-only Car Insurance In Florida: Travelers
Drivers in Florida can get the most affordable minimum coverage car insurance from Travelers, costing $56 on average each month.
Use the table below to identify and compare rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $56 | $672 |
| Mercury | $78 | $936 |
| GEICO | $58 | $696 |
| State Farm | $61 | $732 |
| Nationwide | $81 | $972 |
Cheapest Full Coverage Insurance Rates In Florida: State Farm
Drivers in Florida can find the most affordable full coverage car insurance with State Farm, averaging $117 per month.
This table compares the average car insurance rates offered by economical insurers in Florida.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $117 | $1,404 |
| Nationwide | $160 | $1,920 |
| GEICO | $164 | $1,968 |
| Allstate | $147 | $1,764 |
| Progressive | $273 | $3,276 |
Cheapest Rates In Florida For Teenagers: GEICO
The cheapest auto insurance rates for teenagers in Florida come from GEICO, with average premiums of $124 a month.
Below is a table showing the companies offering the cheapest car insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $124 | $1,488 |
| Allstate | $214 | $2,568 |
| Mercury | $281 | $3,372 |
| State Farm | $130 | $1,560 |
| Progressive | $316 | $3,792 |
Cheapest Car Insurance Rates For Seniors: GEICO
GEICO stands out as the cheapest option for senior car insurance in Florida, with rates averaging $54 a month.
This table shows average quotes from Florida’s cheapest auto insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $54 | $648 |
| Travelers | $111 | $1,332 |
| Mercury | $128 | $1,536 |
| Progressive | $132 | $1,584 |
| Allstate | $96 | $1,152 |
Cheapest Auto Insurance For Young Adults in Florida: Travelers
Travelers leads in offering the most affordable car insurance for young adults in Florida, with rates averaging $61 monthly.
The table below helps you compare the cheapest auto insurance premiums for young adults in Florida.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $61 | $732 |
| Allstate | $90 | $1,080 |
| State Farm | $67 | $804 |
| GEICO | $76 | $912 |
| Nationwide | $92 | $1,104 |
Cheapest Car Insurance In Florida For Good Drivers: Travelers
In Florida, good drivers can save the most on car insurance with Travelers, where rates average $56 monthly.
If you’re a good driver, you can use the table below to find average rates from low-cost insurance providers.
| Provider | Average Monthly Cost | AverageAnnual Cost |
| Travelers | $56 | $672 |
| Mercury | $78 | $936 |
| GEICO | $58 | $696 |
| State Farm | $61 | $732 |
| Nationwide | $81 | $972 |
Find affordable Florida rates
Cheapest For Drivers With After At-Fault Accident: State Farm
Drivers in Florida with an at-fault incident on their record can find the best rates from State Farm, averaging $72 monthly.
Here are the car insurance companies offering the lowest rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $72 | $864 |
| GEICO | $87 | $1,044 |
| Nationwide | $116 | $1,392 |
| Travelers | $81 | $972 |
| Mercury | $160 | $1,920 |
Cheapest Rates In Florida For Drivers After A DUI: State Farm
For Florida drivers with a DUI, State Farm offers the lowest car insurance rates, averaging $64 monthly.
Use the table below to discover the cheapest auto insurance options for drivers with a DUI in Florida.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $64 | $768 |
| Progressive | $109 | $1,308 |
| GEICO | $112 | $1,344 |
| Travelers | $94 | $1,128 |
| Allstate | $114 | $1,368 |
Cheapest Car Insurance In Florida After A Speeding Ticket: State Farm
State Farm offers very competitive rates in Florida, with an average premium of $68 a month for drivers who have a speeding ticket.
The table below compares the average rates for drivers with a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $68 | $816 |
| Allstate | $90 | $1,080 |
| Travelers | $76 | $912 |
| Nationwide | $96 | $1,152 |
| Mercury | $160 | $1,920 |
Best Car Insurance Companies In Florida
Travelers is the cheapest option for car insurance in Florida, with average rates of $56 per month, followed by GEICO at $58 and State Farm at $61.
Below are the top 10 car insurance providers in Florida, sorted by the average monthly premium they charge.
| Company | Monthly Premium |
| Travelers | $56 |
| Mercury | $78 |
| GEICO | $58 |
| State Farm | $61 |
| Nationwide | $81 |
| Allstate | $120 |
| Progressive | $183 |
| Mile Auto | $114 |
| Direct Auto | $160 |
| Infinity | $196 |
Average Auto Insurance Rates In Florida – By Age
Age is a key factor in determining car insurance premiums. Younger drivers are often charged more because they are more likely to be in accidents or get tickets. Teenagers usually pay around $11,132 annually for car insurance.
Once drivers turn 25, their premiums usually begin to drop, provided their driving history remains clean.
The most cost-effective insurance rates are often given to drivers in their 50s and early 60s, as their age correlates with more experience and a lower risk of claims.
| Age | Average Yearly Rate |
| Teenagers | $11,132 |
| 20s | $6,083 |
| 30s | $4,390 |
| 40s | $3,463 |
| 50s | $3,186 |
| 60s | $2,951 |
| 70s | $3,475 |
Average Rates In Florida – By Vehicle
Insurance companies consider the type of vehicle you own, including its make, model, year, and body type, when setting rates. Typically, newer, high-end cars with advanced technology and higher replacement costs lead to higher premiums.
You can refer to the table below to find the average insurance rates for various vehicles in Florida.
| Vehicle | Average Monthly Rate |
| Kia Forte | $130 |
| Chevrolet Suburban | $159 |
| Nissan Rogue | $142 |
| Honda Accord | $1,228 |
| Jeep Wrangler | $588 |
How Much Is Car Insurance In Other Cities in Florida?
The location of your residence influences your car insurance rates. Cities usually have higher risks of accidents and theft, which results in higher premiums for drivers.
Drivers in Plantation typically pay around $360 per month for car insurance, compared to Gainesville, where the average monthly rate is $176.
| City | Average Monthly Rate |
| Sarasota | $220 |
| Gainesville | $176 |
| Pinellas Park | $223 |
| Fort Myers | $194 |
| Hallandale Beach | $200 |
| Plantation | $360 |
| Daytona Beach | $181 |
| Sunrise | $215 |
| Kissimmee | $220 |
| West Palm Beach | $280 |
Find affordable Detroit rates
Our Methodology
Based on a detailed analysis of customer service, available products, pricing, and online reviews, I’ve created a comprehensive view of the car insurance market in Florida.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Florida?
Travelers leads with the lowest rates for minimum coverage in Florida, and State Farm stands out for offering the most affordable full coverage, which includes comprehensive and collision insurance.
What is the average cost of car insurance in Florida?
The typical monthly premium for car insurance in Florida is $180. Your rate may differ depending on variables like your zip code, car model, and driving history.
