Below you'll see average annual rates for Florida, ranked cheapest to most expensive, for three coverage levels:
State minimum liability requirements
Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible
Company State Minimum average annual rate
Geico $422
Progressive $650
State Farm $719
Allstate $1,207
21st Century $1,421
Company 50/100/50 average annual rate
Geico $575
Progressive $741
State Farm $884
21st Century $1,111
Allstate $1,337
Company 100/300/100 average annual rate
Geico $1,192
State Farm $1,611
Progressive $1,754
21st Century $1,972
Allstate $2,584
Best car insurance companies in Florida
Scores are based on Insure.com?s ?Best Insurance Companies? customer review survey of 3,700 customers. Companies not in the top 10 of market share do not qualify. All scores are out of 100.
Best customer service:
USAA ? 100
State Farm ? 92
Allstate ? 91.8
Travelers -- 90.6
Geico ? 88.7
Best claims service:
USAA ? 100
Travelers ? 97.5
Liberty Mutual ? 96
Geico ?93.9
Progressive ? 92.5
Best value for the price:
USAA ? 91.3
Travelers ? 88.8
Progressive ? 86.3
State Farm ? 84.6
Geico ? 81.1
Largest car insurance companies in Florida
Rank Company Name Direct premiums written Market share % Overall Customer Review Ranking
1 Geico 3,350,186 21.23% 88.1
2 State Farm Insurance Group 2,629,971 16.677% 90.4
3 Progressive Insurance Group 2,223,111 14.09% 89.6
4 Allstate Insurance Group 1,816,486 11.51% 87
5 USAA Group 1,038,087 6.58% 97.2
6 Liberty Mutual Insurance Companies 512,902 3.25% 86.4
7 Farmers Insurance Group 450,524 2.85% 81.1
8 Infinity Property & Casualty Group 444,809 2.82% n/a
9 Travelers Group 336,639 2.13% 91.2
10 Windhaven Insurance Company 275,976 1.75% n/a
Source: A.M. Best market share rankings are based on direct premiums written in 2015.
Customer review rankings based on Insure.com's 2016 "Best Insurance Companies" survey of 3,700 customers. Scores are out of 100.
Car insurance for cities in Florida
Find out what the most expensive and the cheapest car insurance rates are by ZIP code, as well as how they compare statewide.
Tampa car insurance
Jacksonville car insurance
Miami car insurance
Orlando car insurance
Florida laws and resources
Florida mature driver discount
Florida law says that drivers age 55 and older get a 10 percent discount on their rates if they pass a state-approved driving course. The discounted rate applies to the liability (bodily injury and property damage), personal injury protection, and collision portions of your policy. You will get the discounted rates for three years if you don?t cause an accident and have no moving violations on your record.
How much will a speeding ticket raise my car insurance rates?
Typically insurers review your driving record upon renewal, and will raise your rates if you have a speeding ticket. This higher rate typically lasts for three years. A speeding ticket in Florida will raise your rates, on average, by 15 percent, according to our analysis of rates based on Quadrant Information Services data.
Hurricane warning
Hurricanes and tropical storms threaten Florida each year. Comprehensive coverage will repair the damage to your vehicle for hail and flooding -- but you can't wait too long to buy it. Make sure to get the coverage in effect before a storm warning is issued. Otherwise you may be out of luck. Most insurers will not allow you to buy extra insurance once a tropical storm or hurricane watch/warning is issued. You?ll have to wait 48 to 72 hours after it?s lifted to buy more coverage.
No-deductible windshield repair or replacement
In an effort to get drivers to repair cracked or damaged windshields, Florida state law says that your comprehensive coverage deductible isn't applicable for windshield damage.
Snowbirds
If a vehicle is in Florida for more than 90 days during a 365-day period (the days do not have to be consecutive), you must purchase personal injury protection and property damage liability limits. You must get at least the state minimum limits. See "Car insurance for snowbirds" for more information.
Uninsured motorist coverage and penalties for driving in Florida without insurance
Florida is second in the nation for the percent of uninsured drivers on the road ? 24 percent. (Oklahoma is No. 1 with 26 percent.) That?s why it?s wise to carry uninsured motorist coverage. It helps pays for damages when you?re in an accident with an uninsured driver.
If you?re the one driving without coverage and you?re busted, you may have to pay a $30 fine and your registration and license may be suspended and your plates confiscated. You may also be required to file an SR-22 form. If your license and registration are suspended, you will have to pay a $150 reinstatement fee upon renewal.
Seat belt law
If you're a driver or passenger and are ticketed for a seat belt violation, you will not get a point on your record; however, if the ticket is for a child restraint offense, it comes with three points. The fine is $30 per adult and $60 per child, plus administrative and court costs.
Expired registration
Registrations issued in your name expire at midnight on the day of your birth date, except for mobile homes and commercial vehicles. The fine for a tag that is expired for less than six months is around $100 and a tag expired six months or more can come with jail time up to 60 days and/or a fine of up to $500.
Insurance fraud
Florida is notorious for car insurance fraud. It has more questionable claims than any other state, with con men frequently taking advantage of its no-fault insurance law, which requires all drivers to carry $10,000 in personal injury protection coverage for injuries suffered in a car crash.
Florida senior driver law
Drivers over age 80 must renew their license every six years, compared with every eight years for younger people. Additionally, people 80 and older must pass an eye exam with every renewal.
Florida also allows confidential reporting of a possibly unsafe driver by anyone ? doctor, law enforcement, relative or bystander. Officials may ask those drivers to submit medical reports from their doctor or to undergo testing at a driver license office.
Florida FR-44
In order to have your Florida driver?s license reinstated after a DUI, you must bump up your coverage and submit proof that you did so. You must submit verification that you are carrying increased liability insurance ( 300/100/50). Proof of this increased insurance coverage must be provided by filing a form. It is called the Florida Uniform Financial Responsibility Certificate. It is commonly known as the ?FR-44 form.? You will have to keep FR-44 coverage in place for three years.
Your insurer will file the form with your state motor vehicle department for you. Be aware, however, that not all insurers will process FR-44 forms. Contact our call center toll-free at 1-855-430-7753. Our agents will help you obtain a quote for the coverage you need. Most companies we work with can provide immediate proof of insurance via e-mail or fax.a
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