7 Best Car Insurance Companies in Florida of 2023

The best car insurance in Florida protects you from unforeseen automobile events, such as an accident or a tree falling on your car's roof during a storm and severely damaging it.

You are also more likely to get into a car accident in Florida that’s either your fault or the fault of another driver, given there are so many drivers on the road.

The Sunshine State is the third most populous state in the country and has one of the highest rates of car accidents.

That’s why you need car insurance. You may practice safe driving or follow state law, but others may not. So, purchasing auto insurance should be a priority when you buy a new car. Your state won’t allow you to drive without car insurance. Plus, it’s mandatory in Florida.

Auto insurance also covers more than just your car. For example, if you cause an accident injuring the other driver, your auto policy will cover the medical payments the driver sustains.

There are many auto insurance companies, and choosing the one that best suits your needs can be hard.

Compare the coverage, cost, discounts, and policy add-ons of the best auto insurance companies in Florida picked by PropertyNest expert editors.

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The Best Car Insurance Companies in Florida

• GEICO: For Offering Some of the Lowest Rates
• Progressive: Best for Accident Forgiveness
• Amica: Best for Many Coverages
• State Farm: Best for Buying Multiple Policies
• Liberty Mutual: Best for New Car Replacement
• Farmers: Best for the Most Discounts
• Travelers: Best for Gap Insurance

GEICO: For Offering Some of the Lowest Rates

GEICO is known for its easy-to-use website and robust mobile app, making it easy to get a quote or claim.

GEICO is also generally known to offer some of the lowest rates in the auto insurance industry, making it one of Florida's best car insurance companies.

In the United States, car insurance costs $150 per month or $1,800 per year for full coverage.

Meanwhile, GEICO is significantly cheaper than the national average.

With an average annual rate of $1,414, GEICO is Florida's lowest-priced car insurance company.

Read a full GEICO auto insurance editorial review.

GEICO Auto Insurance Discounts

GEICO offers an abundance of opportunities for discounts when it comes to car insurance. We've provided the main categories of discounts here, but car owners can qualify for over a dozen different types of discounts.

• Vehicular equipment discounts: If your car has great safety features, you can reap the benefits. Discount possibilities exist for anti-theft systems, anti-lock brakes, airbags, daytime running lights, and for having a car less than three years old.
• Driver habit discounts: You can save on your premium if you have a clean, accident-free driving record for five years and/or always wear a seatbelt.
• Driver education discount: GEICO rewards drivers who've taken a defensive driving course as well as young drivers in your household who have completed a driver's ed course and maintain a good GPA in school.
• Policy discounts: Bundling policies with GEICO or insuring more than one car are other ways to save.
• Driver affiliation discount: Active and retired members of the military, government employees, and people from various associations or companies may be eligible for additional discounts.

Progressive: Best Auto Insurance for Accident Forgiveness

Progressive is known for its excellent auto coverage, and that’s why it’s popular with many car drivers.

It’s also known for its accident forgiveness programs.

That’s right, Progressive has more than one accident forgiveness plan you can choose.

• Small Accident Forgiveness. During your first policy term with Progressive, the insurer won't raise your rate if your claim is less than $500.
• Large Accident Forgiveness. If you are a loyal customer and have remained with Progressive for at least five years, and haven’t had an accident or a violation for up to five years, your premium won’t increase if you have one.
• Progressive Accident Forgiveness. For additional protection at a cost, the insurer’s Accident Forgiveness plan will allow you to have one accident forgiven each year.

Read a full Progressive car insurance review.

Progressive Auto Insurance Discounts

Progressive car insurance helps you save money in three main categories.

• Policy-related discounts: Not only do you get a discount for purchasing multi-policies or insuring multiple cars, but also for having continuous coverage without a lapse even between insurers.
• Driver-based discounts: Progressive offers discounts for safe drivers through their Snapshot Road Test as well as for homeowners. Progressive also helps you save when you have young students who drive in your household.
• Online discounts: You find additional savings by getting your quote online, purchasing your policy online, or signing up for paperless billing. Other ways to save are either by paying your policy in full or signing up for automatic payments.

Amica: Best Car Insurance for Many Coverages

Amica Mutual is one of the oldest car insurance companies in the U.S. and one of Florida's best car insurance companies.

The insurer has many coverage options that you can add to your policy at a cost. Some of them you won’t want to live without.

Amica Car Insurance Coverage

• Accident Forgiveness. Your premium won’t be raised if you get into a car accident if you’ve insured your car with Amica for a specific time or referred new customers.
• Disappearing Deductible. You get points for good driving and can use them to reduce or eliminate your deductible.
• Full Glass Coverage. Unlike other insurers, glass repair or replacement comes with no deductible.
• Rental Coverage. It pays up to $5,000 when you rent a car similar to your car, which is being repaired in a garage due to an accident.

Amica Mutual Auto Insurance Discounts

Amica has one of the most generous number of discount opportunities when it comes to car insurance. There are five main areas in which you can save.

• How you pay: If you opt for paperless billing, pay in full, or enroll in automatic payment, you can qualify for a discount.
• Policy discounts: Save for being a homeowner, bundling your auto with another policy, insuring more than one car, and/or staying with the same auto insurer for two years or more.
• What you drive: If your car(s) have safety features such as airbags, anti-theft devices, adaptive headlights, collision avoidance features, and/or electronic stability control systems.
• Family-based discounts: Amica offers families with young drivers who complete an accredited driver's course, are studying away from home without a car, and/or maintain a B-average a way to save. Legacy discounts are available for young policyholders whose parents have been loyal Amica customers for at least five years.
• Safe-driving habits: Being claims-free for at least three years will garner a discount. In addition, save even more by completing an approved defensive driving course.

State Farm: Best for Buying Multiple Policies

Buying multiple policies and then bundling them is a smart move. It simplifies all insurance products with the same company by getting only one bill.

State Farm does just that with its multi-policy discounts.

State Farm is best for you if you have multiple insurance policies and want to consolidate.

You can bundle the car with home or renters insurance and life and condo insurance.

No matter what product you bundle with auto, you’ll see a savings discount on your premium.

And, if you have more than one car and insure all of them with State Farm, you’ll also see a savings discount. This is the multi-car discount.

State Farm Auto Insurance Discounts

There are three main areas where drivers can save with State Farm. The most discount opportunities lie with safe driving habits.

• Safe driver: Drivers who are claims-free, violation-free, or complete a qualifying defensive driving course may be eligible for discounts. Drivers participating in Drive Safe & Save™ and/or the Steer Clear® programs can save even more.
• Safe vehicle: If your car has anti-theft devices and/or airbags, it can qualify you for discounts. Some makes and models with extra safety features could also earn discounts.
• Policy discounts: You can also save in the usual ways like policy bundling or insuring more than one car.

Liberty Mutual: Best Auto Insurance for New Car Replacement

Liberty Mutual has a killer mobile app that saves you time and is easy to use. You can use it to file claims, upload claim photos, get repair quotes, request a rental car after a covered accident, and contact emergency roadside assistance, to name a few.

Its New Car Replacement coverage is also exceptional. If you total your new car the first year after you bought the car, you’ll be reimbursed for a brand-new car.

That means you don’t get the depreciated value of your car (actual cash value). Instead, you get the replacement cost value of the car.

And, at an extra cost, if your car is involved in an accident and requires auto body work that takes a few days or more, the insurer will pay for the cost of a rental.

Read a full Liberty Mutual car insurance review.

Liberty Mutual Auto Insurance Discounts

Liberty Mutual has great rates right off the bat. However, you can save even more with their discounts. Here are the main ways you can save.

• Driver-based discounts: These discounts are offered for qualifying households and drivers. They include homeowners, members of the military, and households with students. Early shoppers can also garner a discount.
• Policy discounts: Purchasing multiple policies under Liberty Mutual or for more than one car can help you save. Also, buying a policy online, automatic payments, and paperless policies can earn extra discounts.
• Driving record discounts: Drivers who are violation-free, claims-free, and/or enroll in the RightTrack program can find additional savings.

Farmers: Best for the Most Discounts

While Farmers has rates slightly higher than insurers of the same size, it offers many discounts—the most in the auto insurance market—that can significantly reduce your premium.

Farmers offers many of the same discounts as other car insurance companies and some of their other signature discounts, such as their Affinity discount and unique family-based discounts.

As always, anyone shopping for car insurance discounts should be wary that not every discount may be available in their state.

Farmers Auto Insurance Discounts

While over twenty separate discounts may be available, we'll list these discounts by main categories as well as some of the unique offers from Farmers.

• Affinity discount: Members of certain associations and professions and active and retired military members can qualify for Farmers' Affinity discount.
• Policy discounts: Bundling auto insurance with home, life, umbrella, business, or other specialty policies can earn you savings as well as insuring more than one car. You can also earn extra discounts at the time of renewal.
• Student/youth discounts: Families with good students or ones that study away from home without a car can qualify for additional savings. There are also opportunities for households with young drivers for discounts and even for young drivers who have moved out of their parents' homes to save.
• Senior driver discount: This discount is for drivers 55 and older who've completed an approved defensive driving course.
• Driver-based discount: Safe drivers and homeowners can qualify for discounts, even if their home is insured through another carrier.
• Car features: Safety features such as anti-lock brakes, airbags, GPS-tracking, daytime lights, and anti-theft devices can earn you extra discounts.
• Payment discounts: Pay your premium in full or enroll in automatic payments and save.

Travelers: Best Car Insurance for Gap Insurance

Travelers offers competitive rates for auto policies and earn top marks from policyholders for claims handling.

The insurer offers gap insurance, which can come in handy to those who have a loan on their car.

If you total your car before it’s paid off or have a loan or lease on the car, gap insurance will pay the difference between your loan’s balance and the car’s value.

So, gap insurance will protect you if you still have a loan or lease on your car and owe more than your car’s current worth.

In addition, the insurer will also ensure your rates won’t go up after you’ve totaled your car if you have one accident and one minor violation on your record.

Travelers Auto Insurance Discounts

Travelers provides drivers with great ways to save. They have two featured discount programs on top of their main types of discounts.

• Policy-based discounts: Save in the usual ways by bundling your auto policy with another or buying policies for multiple cards. Policyholders who also have continuous auto coverage can get an additional discount.
• Payment discounts: Opting for paperless policies or billing, paying in full, or signing up for auto-pay can help you save, as well as get a quote before your previous policy expires.
• Affinity discount: Travelers offers special rates and savings for certain businesses, associations, and credit union members.
• IntelliDrive® program: Enroll in the Travelers IntelliDrive® program and get rewarded for good driving.
• Driver-based discounts: Homeowners and accident and violation-free owners may be eligible for discounts.
• Student/youth discounts: Households with young drivers and/or students will find three different discounts available.
• Vehicle-based discounts: Drivers of hybrid/electric cars and new cars may earn savings.

Allstate: Best Auto Insurance for Antique or Classic Cars

You may have a classic or antique car you don’t use. Or, you may use it only on special occasions because you know it would be costly to repair and because many auto repair or body shops don’t have the parts.

And besides, the basic auto policy may not be enough to cover any damages to your classic car.

That’s why you should get Classic Car Insurance from Allstate.

The insurer offers additional coverage to reduce your liability.

That’s not the unique coverage you can get with Allstate.

Another one is trip-specific. If you plan to go to Mexico, you can buy extra coverage for your car in case you get into an accident or have an incident during your trip.

Just keep in mind that each coverage comes at a cost.

Allstate Auto Insurance Discounts

• Policy purchase discounts: Allstate offers many ways to save in this category. Bundling, policies for multiple cars, paying in full upfront, shopping early, being a good payer, electing paperless billing, and/or an auto-pay plan are all ways you may get a discount.
• Vehicle-based discounts: Allstate gives discounts on new cars and cars with anti-lock brakes and anti-theft devices.
• Smart Student discount: This discount is solely for single drivers under 25 years old who maintain a GPA of 2.7 or higher, complete the teenSMART program, or live 100 miles away from their car.
• Safe driver discount: Becoming a member of Allstate's safe driving club could earn a big discount.

What is Auto Insurance?

Auto insurance covers the costs if you hurt someone or damage that person’s property with your car.

It also covers damage to your car, such as if you back into someone’s garage.

Depending on your policy’s coverage, car insurance can also pay for medical expenses if you are injured in an accident.

Is Auto Insurance Mandatory in Florida?

Drivers in Florida must carry no-fault insurance before registering and legally operating their vehicle in the state.

In Florida, you must have minimum coverage for the two necessary coverages.

• $10,000 in personal injury protection (PIP)
• $10,000 in property damage liability (PDL) coverage

Bodily injury liability insurance in Florida is not technically required, which is the insurance that covers other drivers’ injuries if you are at fault in a car collision or accident.

Why is Auto Insurance Necessary in Florida?

Florida is besieged by many highways and drivers who drive above the speed limit, drivers who drive without a license, or drivers who do not have the proper coverage (or any coverage).

Even if you are careful or practice safe driving, other drivers may not.

Without auto insurance, you may be another casualty.

Is Florida a No-Fault State?

Yes. In a no-fault state, your insurer will pay for your medical bills and lost wages after a covered accident, regardless of which driver caused the crash.

No-fault also refers to whose insurance kicks in first in relation to injuries. Because Florida is a no-fault state, each driver’s PIP will kick in after an accident to cover the medical expenses and the lost wages up to the policy limits.

“No-fault insurance” and “PIP insurance” are used interchangeably.

PDL insurance pays to repair damage to other people’s property.

Besides no-fault states, there are also fault states. Most fault states require drivers to carry bodily injury liability and property damage liability insurance.

If you have bodily injuries after crashing your car, or your car is totaled, and you need medical attention, additional liability coverage will help. In no-fault states like Florida, drivers must carry PIP and PDL coverage, as stated above.

Property damage liability (PDL) insurance pays to repair damage to other people’s property.

What Does a Basic Auto Insurance Plan Cover?

The standard car insurance coverage is made up of the following.

Liability

Liability insurance covers property damage or injuries you may have caused to others in an accident. Liability also includes medical payments if you or your passengers were injured in a car accident.

Bodily Injury

Bodily injury liability pays for injuries you cause to another driver if you are at fault in an accident. It covers a driver’s medical expenses and lost wages if the driver can’t work due to injuries.

Property Damage

Property damage liability kicks in when you damage another person’s property while driving, such as colliding with a fence or ruining a garage or other structure. Property damage will cover any expenses related to repairs or replacements.

Should You Increase Your Limits?

The above minimum limits for PDL and PIP aren’t enough to cover expensive medical treatments or extensive damages to another car.

That’s because Florida’s minimum coverage limits for PIP and PDL are relatively low.

Even a non-serious accident could cost more than $10,000 in property damage or $10,000 in medical expenses.

If you have bodily injuries after crashing your car, or your car is totaled, and you need medical attention, more liability will help.

If your policy limits are exhausted, or you have reached your accident limits, you will be held responsible for the remaining out-of-pocket costs.

So, it is wise to purchase higher coverage limits to protect yourself from a financial setback.

And if your car is financed, it may be mandatory for you to carry higher limits than the minimum amounts required by the state.

Are There Other Coverages I May Need?

Having PIP and PDL in Florida means buying additional auto insurance, such as personal injury protection, uninsured/underinsured motorist, and comprehensive and collision coverage is optional.

These could raise your rates, but some may be necessary for you to have.

Here are some of the essential additional auto insurance coverages available in Florida.

Collision Coverage

If you are involved in an accident, your collision coverage handles the cost of any damages made to your vehicle. 

Comprehensive Coverage

Comprehensive coverage handles damages relating to natural occurrences that are unforeseen or couldn’t have been predicted.

These are also called named perils. A named or covered peril is what your auto insurer agrees to reimburse you after you file a claim.

The perils covered include theft, fire, water, earthquake, explosion, riot, damage to vehicles during transport, and severe weather damage like hail, lightning, and wind.

Comprehensive covers damage to your car that isn’t a collision.

For example, if a tree falls on your car during a storm and destroys your car, comprehensive coverage will pay for any damages.

Both collision and comprehensive coverage are referred to as “full coverage.”

Both are common optional coverages designed to protect you additionally and which a basic policy never covers unless you add each coverage to your policy.

Collision and comprehensive coverage may be required if you lease or finance your car.

While optional, if you forgo collision and comprehensive coverage, you won’t be covered for damage to your automobile caused by an at-fault accident. You won’t be covered for damage caused by falling objects, vandalism, fire, theft, lightning, windstorms, or earthquakes.

Uninsured and Underinsured Motorist

Uninsured and Underinsured Motorist is optional coverage.

If you are involved in an accident with an uninsured, at-fault driver or a driver who does not have enough insurance to cover the claim, uninsured and underinsured motorist coverage can help cover any damages you incur.

Personal Injury Protection (PIP)

If you are injured in a car accident, regardless of who caused it, PIP will cover any medical treatments you need.

In no-fault states like Florida, PIP coverage is mandatory.

Unlike comprehensive and collision coverage, which you may have, several coverages aren’t required for you to buy but may be necessary based on how much you drive.

Roadside Assistance

Roadside assistance covers basic vehicle repairs if your car breaks down on the side of the road. It also helps cover costs associated with towing, gas delivery, battery services, tire changes, and more.

Rental Reimbursement

Rental reimbursement will pay you for the cost of a rental car while your vehicle is being repaired due to a covered claim.

Remember that you must have comprehensive or collision (or both) insurance to qualify for rental reimbursement.

Gap Insurance

For those who lease or finance a new car, gap insurance pays for the difference between the car’s value and the remaining balance on the loan after an accident.

New Car Replacement

If you have collision and comprehensive coverage and experience a collision that totals your car, your auto insurer will replace the totaled vehicle with a brand-new one.

To qualify, your car must be new or relatively new.

What Does Auto Insurance Not Cover?

There are many things that an auto insurer will not cover. These include:

Personal Property Left Inside Car

These will not be covered if a thief breaks into your car and steals your expensive stereo speakers.

Regular Repairs and Maintenance

Repairs that result from regular wear and tear are not covered. An example is that inspections are not covered. Also, a routine oil change or a leaky radiator is not covered.

Ridesharing

Some policies may exclude claims for damage caused while driving for rideshares such as Uber and Lyft. 

Classic Cars, Exotic Automobiles, Vintage Cars

Exotic and vintage cars that are high in cost and expensive to replace or repair are usually not covered by a standard auto policy.

In most cases, you may have to turn to specialty insurers to buy an entirely separate policy on top of your basic policy.

What Factors Determine Your Premium?

Insurance premiums vary greatly because each considers certain factors while offering policies to potential policyholders. This means no two comparable insurers will have identical prices for the same policy.

To determine your rate, the following are the most important factors impacting your car premium.

Age

Car insurance rates can vary based on your age. Young drivers pay more for car insurance since they are considered less experienced and more likely to get into an accident.

After the age of 25, driver’s insurance rates start to decrease.

In addition, if you are age 65 or older, you will have a higher premium because you are more likely to get into a car accident than younger adults.

Car Make and Model

Insurers prefer to insure safe and new vehicles, as they’re less likely to lead to expensive claims. So, your rate will go down if your automobile has a high safety rating, like a Volvo.

High-Risk Violations

Car accidents and traffic violations on your record can increase your rate because, in the eyes of an insurer, you are statistically more inclined to get into an accident or get a speeding ticket in the future.

Multiple infractions also make you a high-risk customer.

Yearly Mileage

Your yearly mileage is also a factor because the more you are on the road, the more likely you’ll be involved in an accident. For example, the more you'll pay if you have a long daily commute rather than just driving your car around for leisure.

Credit History

Drivers with poor credit scores pay more than drivers with good credit. Insurers believe you are more likely to skip payments or not pay at all, and you are also more likely to file claims if your credit score is under 650.

Driving Record/Claims

If you have a clean record, you’ll pay less. But if you make a claim or make multiple claims, your rates will rise whether or not the accidents are your fault.

Marital Status

Married drivers are statistically the least risky drivers to insure and usually don’t have accidents.

Can You Lower Your Premium?

Yes, you can, and in many ways.

Shop Around for a Lower Rate

The best way to get a rate that fits your budget is to shop around and get quotes from several insurers. Remember that all quotes should cover the same amount of coverage and deductibles you want.

In addition, you should give each auto insurer the same information for drivers and cars you want to be covered. Only then can you shop around properly by comparing quotes to find Florida's best car insurance companies.

Search for Discounts

Every major insurer gives discounts based on your driving history, vehicle features, and policy choices. For example, many insurers offer discounts that allow drivers to save a percentage off their rates. If you bundle, insure more than one car with the same company, opt for paperless communications, pay online, set up automatic payments, or pay your policy entirely upfront, you’ll save.

Increase Your Deductible

The higher your deductible is, the less you’ll pay for your premium. For example, if you go from $250 to $500, you can reduce the cost of your collision and comprehensive coverage.

Reduce Your Coverage

You can lower your policy limits. Or you can forgo adding unnecessary types of coverage that you may not use.

For example, you should avoid purchasing collision and comprehensive coverage if your car is old and is not worth much.

Remember that you must ensure that your coverages are still in compliance with your state’s insurance laws.

Be a Careful Driver

If you can avoid an accident or drive carefully so you won’t get into one, your rate will drop. It will also drop if you don’t get any tickets or if you have a commute to work that is not long.

The more you are out on the road, the greater your chance of an accident or a traffic violation. So, your insurer will consider you a low-risk driver if you stay safe on the road and stay off the road as much as you can (for example, look into carpooling).

Buy an Insurance-Friendly Car

Expensive cars, sports cars, and cars with high theft rates are more expensive to insure than moderately priced and less risky vehicles.

Before you buy a new car, you should get an insurance quote and decide whether or not the cost of coverage fits within your budget.

Improve Your Credit

Since your credit history is correlated to your likelihood of filing an insurance claim, the higher your credit score, the lower your rate. You can improve your credit by paying off high-balance credit cards, paying on time, and avoiding things that require a hard credit pull, such as applying for a loan or a new credit card.

How Much Does Car Insurance Cost in Florida?

The cost of your car policy varies depending on different factors.

Here are some of the factors.

• Your insurance history.
• Your driving experience.
• How many miles do you drive.
• Where you live, work, or park your car.
• Your past violations and accident history.
• Your age, gender, and marital status.
• Your vehicle's make, model, and year.

That said, the average cost of car insurance in the United States is $150 per month or $1,800 per year for full coverage.

Meanwhile, auto insurance in Florida is expensive. Florida is the third most expensive state in the country for car insurance.

The average cost of car insurance in Florida is $160 per month or $1,920 per year for full coverage.

Several factors contribute to why car insurance in Florida is so expensive. These include busy roadways, additional insurance requirements, high healthcare costs, rates of uninsured drivers, and the risk of severe weather.

How We Picked the Best Auto Insurance Companies in Florida

We researched auto insurance companies to find the best ones using such factors as discounts, coverage, technology, customer reviews, and price.

Discounts

We looked at companies with the most discounts so you can save on your policy. The multi-policy and multi-car discounts were the most important to us. Each gives you the highest discount available.

Coverage

We looked at an insurer with extra or unique coverages so you could choose which ones to add to customize your policy, such as better car replacement, new car replacement, and gap insurance. Usually, these features cost additional, but the plus side is that your policy becomes more comprehensive.

Technology

We considered whether an insurer had an intuitive and easy-to-use website and mobile app that could provide great convenience.

If you could easily get a quote, buy a policy, file a claim, track a claim, check up on your policy, pay a bill, and more on an insurer’s website and mobile app, that was a company we considered.

Customer Reviews

We looked at verified customer reviews from various websites that catered to reviewing auto insurance companies.

Price

There are many auto insurers out there, so the cost of a policy helped us narrow down our list, as we chose only the most affordable.