Our Top Picks for Car Insurance in Florida

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Let’s face it, nobody enjoys shopping for car insurance. It’s not just that there are so many options and discounts; it’s also about the sheer number of companies out there. This is especially true in Florida, where you’re bombarded with choices. To help you find an affordable and suitable policy, we’ve narrowed down the best car insurance companies in Florida to seven standout providers. They offer a blend of reasonable premiums, customer satisfaction, financial reliability, policy choices, and discounts.

While Progressive is a personal favorite of mine, it’s not even in our top three. The best way to find the right insurance for you is to get quotes from multiple providers. Use the handy quote tool below from our insurance partner to check rates.

Buying car insurance in Florida isn’t easy—it’s one of the priciest states in the U.S. The average annual premium is around $3,138. Florida also has its own unique insurance rules to consider. Here are some tips to help:

1. Don’t skimp on coverage limits. Florida’s legal minimums are quite low, barely more than being uninsured. Make sure your coverage protects you adequately.
2. Hunt for discounts. Not every discount will apply to you, so choose insurers that offer discounts relevant to your profile.
3. Bundle and save. Many companies offer discounts if you combine policies, like car and home insurance.
4. Raise your deductible. If you’re struggling to find affordable insurance, increasing your deductible can lower your premiums. Just ensure you have emergency funds to cover higher out-of-pocket costs if needed.

After thorough analysis, we believe these are the best car insurance companies in Florida:

1. Esurance

   • Premiums: $1,473
   • Customer satisfaction rating: 836
   • Financial strength: A+
   • Highlights: Esurance has some of the lowest premiums and offers Claim-Free discounts for safe drivers. However, it lacks ridesharing coverage.

2. State Farm

   • Premiums: $1,481
   • Customer satisfaction rating: 877
   • Financial strength: A++
   • Highlights: State Farm offers a wide range of discounts and coverage options, including ridesharing. It’s perfect for good drivers and those with a minor infraction. However, it doesn’t offer gap coverage.

3. Travelers

   • Premiums: $1,595
   • Customer satisfaction rating: 867
   • Financial strength: A++
   • Highlights: Travelers offers a slew of discounts and policy options, including ridesharing and accident forgiveness. However, it ranks lower in customer satisfaction.

4. Progressive

   • Premiums: $1,642
   • Customer satisfaction rating: 853
   • Financial strength: A+
   • Highlights: Progressive has an array of discounts and the lowest average premiums. However, they rank lower in customer satisfaction.

5. GEICO

   • Premiums: $1,353
   • Customer satisfaction rating: 857
   • Financial strength: A++
   • Highlights: GEICO is great for teen drivers and those with poor credit. They offer unique coverage like Mexico auto insurance. However, they don’t offer gap insurance directly.

6. Auto-Owners Insurance

   • Premiums: $1,049
   • Customer satisfaction rating: 862
   • Financial strength: A++
   • Highlights: They have one of the lowest premiums and offer customizable coverage packages. However, their customer satisfaction is below average and coverage is limited to about half the states.

7. Allstate

   • Premiums: $1,850
   • Customer satisfaction rating: 822
   • Financial strength: A+
   • Highlights: They offer unique options like travel to Mexico insurance and rank high in customer satisfaction. However, their average premium is higher than Florida’s average.

When selecting an insurance provider, consider the policy options, available discounts, premiums, customer satisfaction ratings, and financial strength. Minimum required coverages in Florida are quite low, so additional options like collision and comprehensive coverage could be essential, especially since Florida has a high rate of uninsured drivers.

If you’re eligible for military benefits, USAA is worth considering due to its excellent premiums and customer satisfaction scores. However, it’s limited to military members and their families.

Remember, the cost of your car insurance will depend on multiple factors like your driving history, location, vehicle type, and personal circumstances. Make sure to compare multiple quotes to find the best fit for you.