REVISION : How to Compare Car Insurance Rates 2025
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Cheap Car Insurance in Florida (2025)

Updated on:
Content was accurate at the time of publication.

Cheapest car insurance companies in Florida

$1,957/year
Cheapest full coverage: State Farm
State Farm logo
$468/year
Cheapest liability coverage: Geico
Geico logo
$3,322/year
Cheapest with a DUI: Travelers
Travelers logo
+
More Options

Find the Cheapest Car Insurance Quotes in Florida

At $1,957 a year, State Farm has the cheapest full-coverage car insurance quotes in Florida. Geico and Travelers are nearly as cheap for full-coverage insurance, though, at $2,001 and $2,099 a year, respectively.

All three companies offer many discounts that could make them the cheapest for you, so get quotes from each before buying or renewing a policy.

Cheapest car insurance companies in Florida

Cheapest full-coverage insurance companies

CompanyAnnual rateLendingTree score
state farm logoState Farm$1,9574.5 stars
geico logoGeico$2,0013.5 stars
travelers logoTravelers$2,0994.5 stars
uaic logoUAIC$2,8813 stars
progressive logoProgressive$3,5604 stars
Farmers logoFarmers$4,8253 stars
allstate logoAllstate$5,5443 stars

Geico has Florida’s cheapest liability insurance at $468 a year. State Farm ($662 a year) and Travelers ($688 a year) are the next-cheapest companies for liability insurance.

Though Geico’s rates are the cheapest, State Farm has the best customer satisfaction score (from J.D. Power) of these three companies.

Cheapest liability-only car insurance quotes

CompanyAnnual rate
Geico$468
State Farm$662
Travelers$688
Farmers$1,336
Progressive$1,540
UAIC$1,577
Allstate$2,243

Find the Cheapest Car Insurance Quotes in Florida

Florida’s young drivers can get the cheapest car insurance quotes from Geico.

  • With an average rate of $1,069 a year, Geico has the cheapest liability insurance for young drivers in Florida. Geico’s rate is less than half the state average of $3,088 a year.
  • Geico also has the cheapest full-coverage insurance for young drivers at $5,142 a year. This is 47% cheaper than the state average ($9,721 a year).

Travelers and State Farm have the next-cheapest quotes in both areas. Car insurance discounts could make a big difference here, so look for or ask about them when you go to get quotes.

Cheapest car insurance quotes for young drivers

CompanyLiability onlyFull coverage
Geico$1,069$5,142
Travelers$1,495$5,362
State Farm$1,699$5,611
UAIC$3,733$6,546
Allstate$4,053$14,966
Farmers$4,441$16,399
Progressive$5,127$14,017

Along with discounts, parents may get the cheapest car insurance for young drivers by adding their child to their existing policy. If you’re a teen, see if you can get added to a parent’s policy.

Teen drivers pay much higher car insurance rates if they buy their own policies than if they’re added to a parent’s policy. The parent will pay a higher rate after adding a teen child, but the overall cost should still be lower than if each has their own policies.

State Farm is the cheapest car insurance company for drivers with a speeding ticket in Florida at $2,114 a year. This is 45% less than the state average of $3,868 a year.

Travelers comes in second ($2,568 a year), while UAIC is third ($2,881 a year).

In Florida, a speeding ticket or similar moving violation causes your car insurance to increase around 18%.

Cheapest car insurance with a speeding ticket

CompanyAnnual rate
State Farm$2,114
Travelers$2,568
UAIC$2,881
Geico$3,350
Progressive$4,762
Allstate$5,544
Farmers$5,856

At $2,285 a year, State Farm has Florida’s cheapest car insurance rates after an accident. State Farm’s rate is less than half the state average of $4,754 a year.

Get quotes from Geico and Travelers, too, if you have an at-fault accident on your driving record. Their average rates are higher than State Farm’s, but not by much.

Discounts could help, plus they might offer coverage options that make buying from one of them better for your needs. Travelers offers gap insurance while Geico and State Farm don’t, for example.

An at-fault accident causes your car insurance to go up an average of 46% in Florida.

Best cheap car insurance rates after an accident

CompanyAnnual rate
State Farm$2,285
Geico$2,740
Travelers$2,839
UAIC$3,751
Progressive$5,309
Farmers$6,726
Allstate$9,629

Florida’s cheapest insurance for teens with a bad driving record: Geico

Geico is the cheapest car insurance company in Florida for teen drivers with a ticket or accident on their records.

  • Geico’s average quote for teens with an accident on their records is $1,098 a year, which is far below the state average of $4,160 a year.
  • At $1,245 a year, Geico also has the cheapest car insurance for Florida teens after a speeding ticket. Geico’s rate is 63% cheaper than the state average of $3,372 a year.

Florida teens with a bad driving record should also compare quotes from Travelers and State Farm, which are the next-cheapest companies.

Cheap car insurance for teens with a ticket or accident

CompanyTicketAccident
Geico$1,245$1,098
Travelers$1,818$2,073
State Farm$1,866$2,049
UAIC$3,733$4,643
Allstate$4,053$7,868
Farmers$5,395$5,704
Progressive$5,497$5,683

Find the Cheapest Car Insurance Quotes in Florida

With rates that average $3,322 a year, Travelers has the cheapest DUI insurance in Florida. Travelers’ average quote is 36% less than the state average ($5,158 a year).

Geico and Progressive are the next-cheapest companies after a DUI (driving under the influence) conviction, though both have average rates that are quite a bit higher than Travelers.

You should expect your car insurance premium to go up about 58% after a DUI in Florida.

Cheapest car insurance companies after a DUI

CompanyAnnual rate
Travelers$3,322
Geico$4,246
Progressive$4,335
UAIC$5,081
Farmers$5,485
State Farm$5,766
Allstate$7,871

UAIC has Florida’s cheapest car insurance for drivers with poor credit at $2,881 a year. Geico has the second-cheapest rates for car insurance with poor credit at $3,729 a year.

Both companies are well under the state average rate of $6,225 a year.

In Florida, drivers with bad credit pay 91% more for car insurance than drivers with good credit do, on average.

Cheapest car insurance for poor credit

CompanyAnnual rate
UAIC$2,881
Geico$3,729
Travelers$4,251
Progressive$5,568
Farmers$6,669
State Farm$9,997
Allstate$10,483

State Farm, Travelers and Geico are Florida’s best car insurance companies.

State Farm has the cheapest full-coverage car insurance in Florida for drivers with clean records or a ticket or accident on their records. It’s often among the cheapest companies for other drivers, too. State Farm also has the best J.D. Power customer satisfaction rating of the companies we surveyed.

Geico has the state’s cheapest liability insurance, as well as the lowest rates for teen drivers. Its J.D. Power score is slightly worse than average, though.

Travelers is also among the cheapest companies in Florida for most driver and coverage types. Travelers’ J.D. Power score is the lowest of these three companies.

Florida car insurance company ratings

CompanyJ.D. Power*AM BestLendingTree
Allstate635A+3 stars
Farmers619A3 stars
Geico637A++3.5 stars
Progressive622A+4 stars
State Farm657A++4.5 stars
Travelers616A++4.5 stars
UAICNot ratedNot rated3 stars

*Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.

The community of Santa Rosa Beach has the cheapest car insurance in Florida, with rates that average $2,290 a year.

Drivers in Westview pay the state’s highest average car insurance rates at $4,626 a year.

The average cost of car insurance in Florida’s biggest cities and suburbs:

  • Jacksonville, $3,125 a year
  • Miami, $4,140 a year
  • Orlando, $3,290 a year
  • St. Petersburg, $3,457 a year
  • Tampa, $4,139 a year

Car insurance rates near you

CityAnnual rate% from average
Alachua$2,446-20%
Alafaya$3,0731%
Alford$2,380-22%
Allentown$2,665-13%
Altamonte Springs$2,981-2%
Altha$2,422-21%
Altoona$2,640-13%
Alturas$2,899-5%
Alva$2,768-9%
Andrews$2,513-18%
Anna Maria$2,974-3%
Anthony$2,686-12%
Apalachicola$2,348-23%
Apollo Beach$3,58818%
Apopka$3,0931%
Arcadia$2,590-15%
Archer$2,501-18%
Argyle$2,354-23%
Aripeka$3,64519%
Asbury Lake$2,831-7%
Astatula$2,675-12%
Astor$2,657-13%
Atlantic Beach$2,928-4%
Atlantis$4,29841%
Auburndale$3,019-1%
Aventura$4,22238%
Avon Park$2,666-13%
Azalea Park$3,2175%
Babson Park$2,878-6%
Bagdad$2,658-13%
Baker$2,493-18%
Bal Harbour$3,83126%
Baldwin$2,990-2%
Balm$3,54016%
Barberville$2,723-11%
Bardmoor$3,3299%
Bartow$2,907-5%
Bascom$2,323-24%
Bay Harbor Islands$3,83126%
Bay Hill$3,1002%
Bay Lake$3,0630%
Bay Pines$3,3369%
Bayonet Point$3,60918%
Bayshore Gardens$3,0580%
Beacon Square$3,68521%
Bear Creek$3,48814%
Bee Ridge$2,719-11%
Bell$2,508-18%
Bellair-Meadowbrook Terrace$3,020-1%
Belle Glade$3,55917%
Belle Isle$3,46514%
Belleair$3,3369%
Belleair Beach$3,2858%
Belleair Bluffs$3,34310%
Belleview$2,657-13%
Bellview$2,716-11%
Berrydale$2,648-13%
Beverly Hills$2,727-11%
Big Coppitt Key$2,754-10%
Big Pine Key$2,855-6%
Biscayne Park$4,36143%
Bithlo$3,027-1%
Black Hammock$2,911-5%
Bloomingdale$3,80125%
Blountstown$2,423-21%
Boca Grande$2,546-17%
Boca Raton$3,81825%
Bokeelia$2,754-10%
Bonifay$2,321-24%
Bonita Springs$2,520-17%
Bostwick$2,758-10%
Boulevard Gardens$4,25339%
Bowling Green$2,771-9%
Boynton Beach$4,24839%
Bradenton$2,941-4%
Bradenton Beach$2,949-3%
Bradley$2,875-6%
Bradley Junction$2,874-6%
Brandon$3,87827%
Branford$2,492-18%
Brent$2,733-10%
Bristol$2,449-20%
Broadview Park$3,72322%
Bronson$2,532-17%
Brooker$2,593-15%
Brookridge$3,1674%
Brooksville$3,1272%
Brownsdale$2,648-13%
Brownsville$4,50748%
Bryceville$2,655-13%
Buckhead Ridge$2,738-10%
Buckingham$2,985-2%
Buenaventura Lakes$3,36510%
Bunnell$2,755-10%
Burnt Store Marina$2,620-14%
Bushnell$2,669-13%
Butler Beach$2,551-16%
Cabana Colony$3,61919%
Callahan$2,679-12%
Callaway$2,482-19%
Campbell$3,2637%
Campbellton$2,318-24%
Canal Point$3,54216%
Candler$2,703-11%
Cantonment$2,599-15%
Cape Canaveral$2,656-13%
Cape Coral$2,805-8%
Captiva$2,529-17%
Carrabelle$2,395-21%
Carrollwood$4,13135%
Caryville$2,327-24%
Cassadaga$2,896-5%
Casselberry$2,928-4%
Cedar Grove$2,529-17%
Cedar Key$2,456-19%
Celebration$3,1383%
Center Hill$2,650-13%
Century$2,543-17%
Charlotte Harbor$2,479-19%
Charlotte Park$2,472-19%
Chattahoochee$2,474-19%
Cheval$3,74823%
Chiefland$2,491-18%
Chipley$2,336-23%
Chokoloskee$2,628-14%
Christmas$3,0470%
Chuluota$2,861-6%
Citra$2,644-13%
Citrus Hills$2,725-11%
Citrus Park$3,83526%
Citrus Springs$2,616-14%
Clarcona$3,48114%
Clarksville$2,466-19%
Clearwater$3,38311%
Clearwater Beach$3,38111%
Clermont$2,711-11%
Cleveland$2,548-16%
Clewiston$2,795-8%
Cocoa$2,758-10%
Cocoa Beach$2,695-12%
Cocoa West$2,772-9%
Coconut Creek$3,84326%
Coleman$2,711-11%
Combee Settlement$2,943-4%
Connerton$3,43513%
Conway$3,1493%
Cooper City$3,64419%
Copeland$2,709-11%
Coral Gables$3,88327%
Coral Springs$3,79324%
Coral Terrace$4,12435%
Cortez$2,956-3%
Cottondale$2,342-23%
Country Club$4,27540%
Country Walk$3,94729%
Crawfordville$2,481-19%
Crescent City$2,710-11%
Crestview$2,460-19%
Crooked Lake Park$2,909-5%
Cross City$2,439-20%
Crystal Beach$3,41412%
Crystal Lake$2,943-4%
Crystal River$2,726-11%
Crystal Springs$3,48714%
Cudjoe Key$2,846-7%
Cutler Bay$3,95430%
Cypress Gardens$3,0701%
Cypress Lake$2,636-14%
Dade City$3,46314%
Dade City North$3,53216%
Dania$3,87327%
Dania Beach$4,10234%
Davenport$3,0721%
Davie$3,65820%
Daytona Beach$2,787-9%
Daytona Beach Shores$2,822-8%
De Funiak Springs$2,307-24%
De Leon Springs$2,767-9%
DeLand Southwest$2,841-7%
Debary$2,872-6%
Deerfield Beach$3,92829%
Defuniak Springs$2,307-24%
Deland$2,823-7%
Delray Beach$4,25039%
Deltona$2,883-6%
Desoto Lakes$2,746-10%
Destin$2,405-21%
Doctor Phillips$3,0811%
Doctors Inlet$2,821-8%
Doral$4,09534%
Dover$3,68121%
Dundee$2,985-2%
Dunedin$3,40912%
Dunnellon$2,605-15%
Durant$3,67821%
Eagle Lake$3,1152%
Earleton$2,489-18%
East Bronson$2,532-17%
East Lake$3,42212%
East Lake-Orient Park$4,23939%
East Milton$2,658-13%
East Palatka$2,700-12%
Eastlake Weir$2,551-16%
Eastpoint$2,365-22%
Eaton Park$2,941-4%
Eatonville$3,1042%
Ebro$2,434-20%
Edgewater$2,680-12%
Edgewood$3,78224%
Eglin AFB$2,425-21%
Egypt Lake-Leto$4,50248%
El Jobean$2,630-14%
El Portal$4,17637%
Elfers$3,62619%
Elkton$2,620-14%
Ellenton$2,999-2%
Englewood$2,521-17%
Ensley$2,689-12%
Estero$2,565-16%
Eustis$2,702-11%
Everglades City$2,543-17%
Evinston$2,518-17%
Fairfield$2,545-17%
Fairview Shores$3,41012%
Feather Sound$3,46914%
Felda$2,592-15%
Fellsmere$2,736-10%
Fern Park$2,934-4%
Fernandina Beach$2,633-14%
Ferndale$2,722-11%
Ferry Pass$2,683-12%
Fish Hawk$3,52015%
Fisher Island$3,72422%
Five Points$2,738-10%
Flagler Beach$2,710-11%
Flagler Estates$2,575-16%
Fleming Island$2,931-4%
Florahome$2,777-9%
Floral City$2,719-11%
Florida City$4,05933%
Florida Ridge$2,741-10%
Forest City$2,984-2%
Fort Denaud$2,635-14%
Fort Green Springs$2,771-9%
Fort Lauderdale$3,78924%
Fort Mc Coy$2,688-12%
Fort Meade$2,892-5%
Fort Myers$2,803-8%
Fort Myers Beach$2,566-16%
Fort Myers Shores$2,985-2%
Fort Ogden$2,593-15%
Fort Pierce$3,030-1%
Fort Pierce North$3,035-1%
Fort Pierce South$3,0620%
Fort Walton Beach$2,446-20%
Fort White$2,802-8%
Fountain$2,534-17%
Fountainebleau$4,25840%
Four Corners$2,893-5%
Franklin Park$4,25339%
Freeport$2,312-24%
Frostproof$2,864-6%
Fruit Cove$2,732-10%
Fruitland Park$2,604-15%
Fruitville$2,759-10%
Fuller Heights$2,874-6%
Fussels Corner$2,981-2%
Gainesville$2,482-19%
Gateway$2,746-10%
Geneva$2,871-6%
Georgetown$2,754-10%
Gibsonton$3,79324%
Gifford$2,743-10%
Gladeview$4,49247%
Glen St. Mary$2,678-12%
Glencoe$2,719-11%
Glenvar Heights$3,82825%
Glenwood$2,841-7%
Golden Beach$4,21638%
Golden Gate$2,556-16%
Golden Glades$4,50748%
Goldenrod$3,034-1%
Golf$4,27840%
Gonzalez$2,703-11%
Goodland$2,612-14%
Gotha$3,1142%
Goulding$2,739-10%
Goulds$4,03732%
Graceville$2,324-24%
Graham$2,638-14%
Grand Island$2,648-13%
Grand Ridge$2,361-23%
Grandin$2,737-10%
Grant$2,824-7%
Grant-Valkaria$2,824-7%
Green Cove Springs$2,831-7%
Greenacres$4,11435%
Greenbriar$3,37411%
Greensboro$2,491-18%
Greenville$2,478-19%
Greenwood$2,321-24%
Grenelefe$3,0550%
Gretna$2,536-17%
Grove City$2,504-18%
Groveland$2,655-13%
Gulf Breeze$2,692-12%
Gulf Gate Estates$2,714-11%
Gulf Hammock$2,442-20%
Gulf Stream$4,11535%
Gulfport$3,47214%
Gun Club Estates$4,18737%
Haines City$3,0721%
Hallandale$4,10334%
Hallandale Beach$4,06933%
Hampton$2,648-13%
Harbor Bluffs$3,34310%
Harbour Heights$2,477-19%
Harlem$2,795-8%
Harold$2,658-13%
Hastings$2,575-16%
Havana$2,525-17%
Haverhill$4,17537%
Hawthorne$2,582-15%
Heathrow$2,873-6%
Heritage Pines$3,57217%
Hernando$2,670-12%
Hernando Beach$3,1523%
Hialeah$4,40744%
Hialeah Gardens$4,28140%
High Point$3,1674%
High Springs$2,479-19%
Highland Beach$3,81525%
Highland City$2,976-2%
Highland Park$2,963-3%
Hilliard$2,590-15%
Hillsboro Beach$3,77324%
Hobe Sound$2,855-6%
Holden Heights$3,86027%
Holder$2,673-12%
Holiday$3,70221%
Hollister$2,700-11%
Holly Hill$2,844-7%
Hollywood$3,90028%
Holmes Beach$2,949-3%
Holt$2,417-21%
Homeland$2,946-3%
Homestead$4,06033%
Homestead Base$4,01332%
Homosassa$2,757-10%
Homosassa Springs$2,750-10%
Horizon West$3,025-1%
Horseshoe Beach$2,427-20%
Hosford$2,447-20%
Howey-in-the-Hills$2,774-9%
Hudson$3,56217%
Hunters Creek$3,1363%
Hurlburt Field$2,443-20%
Hutchinson Island South$3,0580%
Hypoluxo$4,29841%
Immokalee$2,708-11%
Indialantic$2,651-13%
Indian Harbour Beach$2,642-13%
Indian Lake Estates$2,849-7%
Indian River Estates$3,0620%
Indian River Shores$2,750-10%
Indian Rocks Beach$3,2928%
Indian Shores$3,2928%
Indiantown$2,915-4%
Inglis$2,477-19%
Inlet Beach$2,401-21%
Intercession City$3,2737%
Interlachen$2,754-10%
Inverness$2,708-11%
Inverness Highlands North$2,727-11%
Inverness Highlands South$2,751-10%
Inwood$3,0681%
Iona$2,586-15%
Islamorada$3,035-1%
Islamorada, Village of Islands$3,0480%
Island Grove$2,520-17%
Istachatta$3,1884%
Ives Estates$4,37643%
Jacksonville$3,1252%
Jacksonville Beach$2,911-5%
Jan Phyl Village$3,1012%
Jasmine Estates$3,64620%
Jasper$2,465-19%
Jay$2,648-13%
Jennings$2,499-18%
Jensen Beach$2,991-2%
June Park$2,713-11%
Juno Beach$3,59618%
Juno Ridge$3,59818%
Jupiter$3,0931%
Jupiter Farms$3,0781%
Kathleen$2,952-3%
Kenansville$3,2085%
Kendale Lakes$4,03332%
Kendall$3,84926%
Kendall West$4,06433%
Kenneth City$3,51715%
Kensington Park$2,746-10%
Kenwood Estates$4,27440%
Key Biscayne$3,97530%
Key Colony Beach$2,943-4%
Key Largo$3,1232%
Key Vista$3,68221%
Key West$2,754-10%
Keystone$3,73422%
Keystone Heights$2,732-10%
Killarney$3,1002%
Kissimmee$3,2406%
La Crosse$2,508-18%
Labelle$2,620-14%
Lacoochee$3,53216%
Lady Lake$2,563-16%
Laguna Beach$2,535-17%
Lake Alfred$2,997-2%
Lake Belvedere Estates$4,07334%
Lake Butler$2,746-10%
Lake City$2,748-10%
Lake Clarke Shores$4,18737%
Lake Como$2,679-12%
Lake Geneva$2,649-13%
Lake Hamilton$3,034-1%
Lake Harbor$3,3209%
Lake Helen$2,834-7%
Lake Lorraine$2,439-20%
Lake Magdalene$4,16537%
Lake Mary$2,876-6%
Lake Monroe$2,857-6%
Lake Mystic$2,449-20%
Lake Panasoffkee$2,665-13%
Lake Park$4,15736%
Lake Placid$2,609-14%
Lake Sarasota$2,635-14%
Lake Wales$2,938-4%
Lake Worth$4,24839%
Lake Worth Beach$4,37944%
Lakeland$2,967-3%
Lakeland Highlands$2,965-3%
Lakeshore$2,871-6%
Lakeside$2,949-3%
Lakewood Gardens$4,30041%
Lakewood Park$2,991-2%
Lamont$2,515-18%
Lanark Village$2,488-18%
Land O' Lakes$3,54216%
Lantana$4,29841%
Largo$3,34410%
Lauderdale Lakes$4,22438%
Lauderdale-by-the-Sea$3,75323%
Lauderhill$4,17937%
Laurel$2,541-17%
Laurel Hill$2,495-18%
Lawtey$2,640-13%
Lealman$3,50515%
Lecanto$2,736-10%
Lee$2,416-21%
Leesburg$2,627-14%
Lehigh Acres$2,966-3%
Leisure City$4,01332%
Lely$2,529-17%
Lely Resort$2,529-17%
Lighthouse Point$4,02632%
Limestone Creek$3,0972%
Lithia$3,52015%
Live Oak$2,419-21%
Lloyd$2,540-17%
Lochloosa$2,519-17%
Lochmoor Waterway Estates$2,827-7%
Lockhart$3,44613%
Long Key$2,878-6%
Longboat Key$2,819-8%
Longwood$2,945-3%
Lorida$2,623-14%
Loughman$3,0660%
Lowell$2,551-16%
Lower Grand Lagoon$2,537-17%
Loxahatchee$3,59218%
Loxahatchee Groves$3,59218%
Lulu$2,795-8%
Lutz$3,77324%
Lynn Haven$2,539-17%
Macclenny$2,667-13%
Madeira Beach$3,3369%
Madison$2,447-20%
Maitland$3,2767%
Malabar$2,867-6%
Malone$2,325-24%
Manasota Key$2,514-18%
Manatee Road$2,491-18%
Mango$4,08934%
Mangonia Park$4,18637%
Marathon$2,889-5%
Marathon Shores$2,943-4%
Marco Island$2,565-16%
Margate$3,99731%
Marianna$2,344-23%
Mary Esther$2,452-20%
Mascotte$2,694-12%
Matlacha$2,789-9%
Mayo$2,424-21%
Mc Alpin$2,423-21%
Mc David$2,575-16%
Mc Intosh$2,511-18%
McGregor$2,636-14%
Meadow Oaks$3,55216%
Meadow Woods$3,39411%
Medley$4,03532%
Medulla$2,964-3%
Melbourne$2,706-11%
Melbourne Beach$2,662-13%
Melbourne Village$2,713-11%
Melrose$2,691-12%
Memphis$3,0400%
Merritt Island$2,701-11%
Mexico Beach$2,512-18%
Miami$4,14036%
Miami Beach$3,76523%
Miami Gardens$4,40144%
Miami Lakes$4,27140%
Miami Shores$4,41445%
Miami Springs$4,08634%
Micanopy$2,489-18%
Micco$2,670-12%
Mid Florida$2,894-5%
Middleburg$2,874-6%
Midway$2,675-12%
Milligan$2,487-18%
Milton$2,687-12%
Mims$2,683-12%
Minneola$2,703-11%
Miramar$3,80725%
Miramar Beach$2,396-21%
Molino$2,654-13%
Monticello$2,461-19%
Montura$2,795-8%
Montverde$2,704-11%
Moon Lake$3,47214%
Moore Haven$2,660-13%
Morriston$2,483-19%
Mossy Head$2,355-23%
Mount Dora$2,802-8%
Mount Plymouth$2,728-11%
Mulberry$2,874-6%
Murdock$2,732-10%
Myakka City$2,808-8%
Myrtle Grove$2,702-11%
Nalcrest$2,946-3%
Naples$2,528-17%
Naples Manor$2,529-17%
Naples Park$2,515-18%
Naranja$4,06133%
Nassau Village-Ratliff$2,679-12%
Navarre$2,668-13%
Navarre Beach$2,668-13%
Neptune Beach$2,918-4%
New Port Richey$3,56517%
New Port Richey East$3,58918%
New Smyrna Beach$2,679-12%
Newberry$2,495-18%
Niceville$2,405-21%
Nichols$2,890-5%
Nobleton$3,1945%
Nocatee$2,688-12%
Nokomis$2,541-17%
Noma$2,403-21%
North Bay Village$3,76924%
North Brooksville$3,1072%
North DeLand$2,791-9%
North Fort Myers$2,812-8%
North Key Largo$3,1232%
North Lauderdale$4,18237%
North Miami$4,45546%
North Miami Beach$4,47247%
North Palm Beach$3,60618%
North Port$2,529-17%
North Redington Beach$3,3369%
North River Shores$2,922-4%
North Sarasota$2,738-10%
North Weeki Wachee$3,1674%
Northdale$3,86627%
O Brien$2,431-20%
Oak Hill$2,730-11%
Oak Ridge$3,79124%
Oakland$2,984-2%
Oakland Park$3,99331%
Oakleaf Plantation$2,954-3%
Ocala$2,755-10%
Ocean Breeze Park$2,925-4%
Ocean City$2,444-20%
Ocean Ridge$4,33342%
Ochopee$2,730-11%
Ocklawaha$2,551-16%
Ocoee$3,0771%
Odessa$3,65020%
Ojus$4,21338%
Okahumpka$2,644-13%
Okeechobee$2,716-11%
Old Town$2,466-19%
Oldsmar$3,41712%
Olga$2,876-6%
Olustee$2,644-13%
Olympia Heights$4,01432%
Ona$2,695-12%
Oneco$2,880-6%
Opa-locka$4,41345%
Orange City$2,878-6%
Orange Lake$2,509-18%
Orange Park$3,0570%
Orange Springs$2,581-15%
Orangetree$2,546-17%
Orlando$3,2908%
Orlovista$3,56517%
Ormond Beach$2,749-10%
Ormond-By-The-Sea$2,826-7%
Osprey$2,564-16%
Osteen$2,844-7%
Otter Creek$2,446-20%
Oviedo$2,886-5%
Oxford$2,566-16%
Ozona$3,52816%
Pace$2,812-8%
Pahokee$3,62319%
Paisley$2,749-10%
Palatka$2,721-11%
Palm Bay$2,836-7%
Palm Beach$4,24739%
Palm Beach Gardens$3,64820%
Palm Beach Shores$4,15736%
Palm City$2,894-5%
Palm Coast$2,701-11%
Palm Harbor$3,44713%
Palm River-Clair Mel$4,01332%
Palm Shores$2,781-9%
Palm Springs$4,24339%
Palm Springs North$4,27540%
Palm Valley$2,719-11%
Palmdale$2,579-15%
Palmetto$3,016-1%
Palmetto Bay$3,81325%
Palmetto Estates$3,74123%
Palmona Park$2,827-7%
Panacea$2,398-21%
Panama City$2,505-18%
Panama City Beach$2,527-17%
Parker$2,482-19%
Parkland$3,71222%
Parrish$2,895-5%
Pasadena Hills$3,41312%
Patrick AFB$2,699-12%
Paxton$2,454-20%
Pea Ridge$2,712-11%
Pebble Creek$3,76223%
Pelican Bay$2,515-18%
Pembroke Park$4,07333%
Pembroke Pines$3,71322%
Pensacola$2,717-11%
Perry$2,425-20%
Pierson$2,757-10%
Pine Air$4,18737%
Pine Castle$3,79124%
Pine Hills$3,92629%
Pine Island Center$2,754-10%
Pine Manor$2,642-13%
Pine Ridge$2,676-12%
Pinecrest$3,83226%
Pineland$2,539-17%
Pinellas Park$3,40011%
Pinetta$2,457-19%
Pinewood$4,55449%
Pioneer$2,795-8%
Placida$2,448-20%
Plant City$3,54016%
Plantation$3,67721%
Plantation Mobile Home Park$4,18737%
Plymouth$2,987-2%
Poinciana$3,2065%
Point Baker$2,665-13%
Polk City$2,934-4%
Pomona Park$2,706-11%
Pompano Beach$3,93929%
Ponce Inlet$2,691-12%
Ponce de Leon$2,348-23%
Ponte Vedra$2,688-12%
Ponte Vedra Beach$2,709-11%
Port Charlotte$2,491-18%
Port LaBelle$2,635-14%
Port Orange$2,705-11%
Port Richey$3,67921%
Port Salerno$2,872-6%
Port St. Joe$2,332-24%
Port St. John$2,730-11%
Port St. Lucie$3,0520%
Pretty Bayou$2,529-17%
Princeton$4,07334%
Progress Village$4,01332%
Punta Gorda$2,494-18%
Punta Rassa$2,586-15%
Putnam Hall$2,676-12%
Quail Ridge$3,2567%
Quincy$2,486-19%
Raiford$2,593-15%
Raleigh$2,504-18%
Reddick$2,617-14%
Redington Beach$3,3369%
Redington Shores$3,3369%
Richmond Heights$3,64519%
Richmond West$4,06533%
Ridge Manor$3,3088%
Ridge Wood Heights$2,714-11%
Ridgecrest$3,3088%
Rio$2,925-4%
Rio Pinar$3,0982%
River Park$3,0430%
River Ranch$2,940-4%
River Ridge$3,47214%
Riverview$3,77824%
Riviera Beach$3,86427%
Rockledge$2,749-10%
Roeville$2,665-13%
Roosevelt Gardens$4,25339%
Roseland$2,693-12%
Rotonda$2,489-18%
Rotonda West$2,473-19%
Royal Palm Beach$4,04833%
Royal Palm Estates$4,07334%
Ruskin$3,53716%
Safety Harbor$3,38711%
Salem$2,423-21%
Samoset$3,0600%
Samsula-Spruce Creek$2,730-11%
San Antonio$3,53316%
San Carlos Park$2,572-16%
San Castle$4,29841%
San Mateo$2,680-12%
Sanderson$2,643-13%
Sanford$2,860-6%
Sanibel$2,533-17%
Santa Rosa Beach$2,290-25%
Sarasota$2,747-10%
Sarasota Springs$2,751-10%
Satellite Beach$2,642-13%
Satsuma$2,747-10%
Sawgrass$2,719-11%
Schall Circle$4,18737%
Scottsmoor$2,848-7%
Sebastian$2,681-12%
Sebring$2,610-14%
Seffner$3,80725%
Seminole$3,35110%
Seminole Manor$4,29841%
Seville$2,763-9%
Sewall's Point$2,857-6%
Shady Grove$2,487-18%
Shady Hills$3,46013%
Shalimar$2,439-20%
Sharpes$2,754-10%
Siesta Key$2,707-11%
Silver Lake$2,662-13%
Silver Springs$2,733-10%
Silver Springs Shores$2,732-10%
Sky Lake$3,80025%
Sneads$2,368-22%
Solana$2,472-19%
Sopchoppy$2,416-21%
Sorrento$2,728-11%
South Apopka$3,0781%
South Bay$3,53416%
South Beach$2,750-10%
South Bradenton$3,0630%
South Brooksville$3,1212%
South Daytona$2,726-11%
South Gate Ridge$2,716-11%
South Highpoint$3,43012%
South Miami$3,72622%
South Miami Heights$3,93729%
South Palm Beach$4,13736%
South Pasadena$3,48814%
South Patrick Shores$2,642-13%
South Sarasota$2,714-11%
South Venice$2,516-18%
Southchase$3,2657%
Southeast Arcadia$2,601-15%
Southgate$2,711-11%
Southwest Ranches$3,54016%
Sparr$2,554-16%
Spring Hill$3,1694%
Springfield$2,513-18%
Springhill$2,665-13%
St. Augustine$2,579-15%
St. Augustine Beach$2,551-16%
St. Augustine Shores$2,554-16%
St. Augustine South$2,554-16%
St. Cloud$3,2256%
St. James City$2,721-11%
St. Johns$2,732-10%
St. Leo$3,52215%
St. Lucie Village$2,975-2%
St. Marks$2,425-21%
St. Pete Beach$3,35710%
St. Petersburg$3,45713%
Stacey Street$4,18737%
Starke$2,674-12%
Steinhatchee$2,431-20%
Stock Island$2,754-10%
Stuart$2,889-5%
Sugarmill Woods$2,784-9%
Sumatra$2,509-18%
Summerfield$2,611-14%
Summerland Key$2,846-7%
Sumterville$2,624-14%
Sun City$3,3409%
Sun City Center$3,57617%
Suncoast Estates$2,797-8%
Sunny Isles Beach$4,21638%
Sunrise$3,93529%
Sunset$3,90428%
Surfside$3,83126%
Suwannee$2,455-20%
Sweetwater$4,18237%
Sydney$3,3409%
Taft$3,39411%
Tallahassee$2,618-14%
Tallevast$2,615-14%
Tamarac$4,11735%
Tamiami$4,11935%
Tampa$4,13936%
Tangelo Park$3,1002%
Tangerine$2,996-2%
Tarpon Springs$3,45013%
Tavares$2,666-13%
Tavernier$3,0600%
Taylor Creek$2,752-10%
Telogia$2,494-18%
Temple Terrace$4,11335%
Tequesta$3,0911%
Terra Ceia$3,008-1%
The Acreage$3,70621%
The Crossings$3,93829%
The Hammocks$3,94729%
The Meadows$2,746-10%
The Villages$2,598-15%
Thonotosassa$3,73622%
Three Lakes$3,93829%
Three Oaks$2,572-16%
Tice$2,985-2%
Tierra Verde$3,38011%
Tiger Point$2,691-12%
Timber Pines$3,1553%
Titusville$2,695-12%
Town 'n' Country$4,30041%
Treasure Island$3,35710%
Trenton$2,503-18%
Trilby$3,55917%
Trinity$3,49515%
Tyndall AFB$2,477-19%
Umatilla$2,617-14%
Union Park$3,0861%
University$3,68921%
University Park$4,15036%
Upper Grand Lagoon$2,550-16%
Valparaiso$2,408-21%
Valrico$3,78024%
Vamo$2,705-11%
Venice$2,525-17%
Venice Gardens$2,516-18%
Venus$2,527-17%
Vernon$2,393-22%
Vero Beach$2,717-11%
Vero Beach South$2,721-11%
Viera East$2,688-12%
Villano Beach$2,574-16%
Villas$2,694-12%
Vineyards$2,506-18%
Virginia Gardens$4,08634%
Wabasso$2,728-11%
Wabasso Beach$2,750-10%
Wacissa$2,461-19%
Wahneta$3,1012%
Waldo$2,486-19%
Wallace$2,712-11%
Warm Mineral Springs$2,524-17%
Warrington$2,699-12%
Washington Park$4,25339%
Watergate$3,76123%
Watertown$2,745-10%
Wauchula$2,661-13%
Wausau$2,398-21%
Waverly$2,909-5%
Webster$2,737-10%
Wedgefield$3,035-1%
Weeki Wachee Gardens$3,1523%
Weirsdale$2,547-17%
Wekiwa Springs$2,957-3%
Welaka$2,806-8%
Wellborn$2,448-20%
Wellington$4,04433%
Wesley Chapel$3,55416%
West Bradenton$2,957-3%
West DeLand$2,841-7%
West Lealman$3,49114%
West Little River$4,49247%
West Melbourne$2,713-11%
West Miami$4,12435%
West Palm Beach$4,20538%
West Park$4,07333%
West Pensacola$2,712-11%
West Perrine$3,74123%
West Samoset$2,981-2%
West Vero Corridor$2,697-12%
Westchase$3,72722%
Westchester$4,13736%
Westgate$4,15836%
Weston$3,52916%
Westview$4,62652%
Westville$2,334-23%
Westwood Lakes$4,09734%
Wewahitchka$2,352-23%
Whiskey Creek$2,636-14%
White City$3,0620%
White Springs$2,458-19%
Whitfield$2,838-7%
Wildwood$2,653-13%
Williamsburg$3,0821%
Williston$2,521-17%
Willow Oak$2,918-4%
Wilton Manors$3,94229%
Wimauma$3,54016%
Windermere$3,0661%
Windsor$2,750-10%
Winter Beach$2,745-10%
Winter Garden$3,000-2%
Winter Haven$3,0721%
Winter Park$3,0400%
Winter Springs$2,912-5%
Woodville$2,610-14%
World Golf Village$2,627-14%
Wright$2,446-20%
Yalaha$2,661-13%
Yankeetown$2,444-20%
Youngstown$2,491-18%
Yulee$2,622-14%
Zellwood$3,014-1%
Zephyrhills$3,49615%
Zephyrhills North$3,48014%
Zephyrhills South$3,50015%
Zephyrhills West$3,50015%
Zolfo Springs$2,615-14%

Drivers in Davie and Coral Springs are involved in the fewest traffic incidents in Florida, while drivers in Miami Gardens are involved in the most incidents. Driving incidents include speeding tickets, accidents and DUIs.

Best drivers in Florida by city

Among major cities, Davie and Coral Springs have the best drivers in Florida based on driving incident rates between October 2023 and October 2024. There were about eight driving incidents per 1,000 drivers in both of these cities during that time.

Pembroke Pines, Fort Lauderdale and West Palm Beach round out Florida’s best driving cities.

CityIncidents per 1,000 drivers
Davie7.9
Coral Springs7.9
Pembroke Pines9.1
Fort Lauderdale10.7
West Palm Beach10.9

Although Davie and Coral Springs have the best drivers in Florida, the average car insurance rates in these cities are slightly higher than the state average of $3,267 a year.

Worst drivers by city

Miami Gardens has the most driving incidents and the worst drivers in Florida. About 23 incidents occur per 1,000 drivers in Miami Gardens. Miami Gardens also has above-average car insurance rates at $4,401 a year.

CityIncidents per 1,000 drivers
Miami Gardens22.5
Tallahassee20.1
Miramar19.9
Jacksonville18.7
Cape Coral17.5

Best and worst drivers by generation

Younger drivers have the highest number of traffic-related incidents in Florida, while older drivers are involved in the fewest incidents.

Gen Z drivers are three times more likely to be involved in traffic incidents than the Silent Generation. About 52 incidents occur per 1,000 Gen Z drivers in Florida, while the Silent Generation is involved in just under 17 incidents per 1,000 drivers.

Florida best and worst drivers by generation

GenerationIncidents per 1,000 drivers
Gen Z51.99
Millennial29.22
Gen X22.61
Boomer18.2
Silent Generation16.89

Teens and young adults also pay high car insurance rates due to their limited driving experience.

Best and worst drivers by car make

Volvo is the car brand that’s involved in the fewest traffic-related incidents in Florida at around 16 incidents per 1,000 drivers. Mercury is the state’s next-best car make for driving incidents. Lincoln, Chrysler and Cadillac round out Florida’s best drivers by car make.

Best drivers by car make

MakeIncidents per 1,000 drivers
Volvo15.9
Mercury17.9
Lincoln18.1
Chrysler18.8
Cadillac20.7

Ram drivers are the most likely to be involved in a traffic incident in Florida. Ram drivers are involved in 28 incidents per 1,000 drivers.

Worst drivers by car make

MakeIncidents per 1,000 drivers
Ram28.24
Dodge27.88
Tesla27.29
Volkswagen26.67
Jeep25.73

To register a vehicle in Florida, you must show proof that you have at least a minimum amount of personal injury protection (PIP) PIP covers 80% of medical expenses (up to $10,000) that are tied to an accident, no matter who caused it. and property damage liability (PDL) PDL covers damage you or someone driving your car causes to someone else’s property. car insurance.

Florida car insurance requirements

Coverage typeMinimum amount needed
Personal injury protection$10,000
Property damage liability$10,000

Car insurance in Florida costs $3,267 a year, on average, if you buy a full-coverage policy. If you only buy liability car insurance, the state average cost is $1,216 a year.

The average cost of car insurance in Florida is $272 a month for full coverage. The average cost of liability car insurance is $101 a month.

Yes, you need to buy at least $10,000 of personal injury protection and $10,000 of property damage liability car insurance coverage to register a vehicle in Florida.

At $468 a year, Geico has the cheapest car insurance in Florida if you only buy liability coverage. State Farm has the state’s cheapest full-coverage car insurance at $1,957 a year.

Methodology

LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.

Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.

Minimum-liability policies provide liability coverage with the state’s required minimum limits.

Full-coverage policies include collision, comprehensive and liability coverage:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
  • Personal injury protection: minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive: $500 deductible


Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.

For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.

Researchers analyzed QuoteWizard by LendingTree insurance inquiries from October 2023 to October 2024 to get best and worst drivers data.

To define generations, LendingTree analysts used the following ranges from the Pew Research Center:

  • Generation Z (born between 1997 and 2005; ages 18 to 26 in 2023 — we only included Gen Z adults)
  • Millennial (born between 1981 and 1996; ages 27 to 42 in 2023)
  • Generation X (born between 1965 and 1980; ages 43 to 58 in 2023)
  • Baby boomer (born between 1946 and 1964; ages 59 to 77 in 2023)
  • Silent generation (born between 1928 and 1945; ages 78 to 95 in 2023)

To determine the best and worst drivers inquiring about auto insurance by car make, researchers calculated the number of driving incidents per 1,000 drivers inquiring about auto insurance by car make