Cheapest Car Insurance in Florida (Updated For 2022)

Cheapest Car Insurance in Florida.

The state of Florida ranks fairly high when it comes to car insurance prices in the United States. This is why you need to find the cheapest car insurance in Florida if you’re sticking to a budget.

We compared and analyzed cheap auto insurance for minimum coverage, full coverage, drivers with a speeding ticket, DUI, and an accident.

Below, you will also find rates for drivers with poor credit.

Additionally, we also compared the cheapest auto insurance options for Florida drivers aged 20, 25, 30, and 65+.

Overview of the Cheapest Car Insurance in Florida

For Minimum Coverage: GEICO offers cheap auto insurance for minimum coverage at $754 annually or $43.25 a month.

Cheapest Full Coverage: GEICO also offers the cheapest full coverage car insurance at $769 a year or $64.08 a month. 

For Drivers With One At-Fault Accident: GEICO is the best option for drivers with one at-fault accident. Going with GEICO will cost you $1020 a year or $85 per month.

Cheapest For Drivers With a DUI: Drivers with a DUI will pay $1444 annually or $120.33 a month with State Farm.

For Drivers With a Speeding Ticket: State Farm offers the lowest priced auto insurance at $856 a year or $71.33 a month.

Cheapest For Drivers With Poor Credit: If you have poor credit, GEICO is the cheapest option for auto insurance. Getting GEICO insurance will cost you $1554 a year or $129.5 per month.

We removed USAA from these FL insurance choices due to USAA only being available to those currently or previously involved with the military.

Cheapest Minimum Coverage Car Insurance in Florida

If you want the bare minimum coverage in Florida, these are the lowest rates:

  1. USAA – $519 a year or $43.25 per month (Cheap Insurance For Military)
  2. GEICO – $754 every year or $62.83 a month (Cheapest Insurance If Not Military)
  3. Allstate – $1321 a year or $110.08 per month
  4. Allied – $1350 each year or $112.5 a month
  5. State Farm – $1387 a year or $115.58 per month
  6. Travelers – $1431 every year or $119.25 per month
  7. MetLife – $1502 each year or $125.17 a month
  8. Mercury – $1733 a year or $144.42 per month
  9. Progressive – $1999 a year or $166.58 per month (Most Expensive)

Cheapest Full Coverage Car Insurance in Florida

These are the rates you can expect in Florida if you want to be fully covered when driving:

  1. USAA – $769 a year or $64.08 per month (Cheap Insurance For Military)
  2. GEICO – $1100 every year or $91.67 a month (Cheapest Insurance If Not Military)
  3. State Farm – $1773 a year or $147.75 per month
  4. Allied – $2074 each year or $172.83 a month
  5. Travelers – $2113 a year or $176.08 per month
  6. Allstate – $2120 every year or $176.67 per month
  7. MetLife – $2276 each year or $189.67 a month
  8. Mercury – $2460 a year or $205 per month
  9. Progressive – $2606 a year or $217.17 per month (Most Expensive)

Cheap Car Insurance in Florida For Drivers With Previous Accidents

Accidents will likely result in your monthly insurance costs increasing. Getting in an accident in FL may include; speeding tickets, at-fault accidents, or DUIs.

Cheapest Florida Car Insurance With a Speeding Ticket

The cheapest car insurance in FL for a driver with a speeding ticket is either USAA or State Farm.

Insurance CompanyAnnual RateMonthly Rate
USAA$856$71.33
State Farm$1,930$160.83
GEICO$2,029$169.08
Allstate$2,120$176.67
Allied$2,690$224.17
MetLife$2,735$227.92
Travelers$2,970$247.50
Mercury$3,573$297.75
Progressive$3,679$306.58

Cheap Florida Auto Insurance With One At-Fault Accident

USAA and GEICO are the cheapest options when it comes to car insurance for FL drivers with one at-fault accident.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,020$85.00
GEICO$1,574$131.17
State Farm$2,086$173.83
Allstate$2,823$235.25
Allied$2,874$239.50
Travelers$3,044$253.67
MetLife$3,189$265.75
Progressive$4,233$352.75
Mercury$4,652$387.67

Cheap Florida Car Insurance With a DUI

USAA and State Farm each have cheap annual rates for FL drivers with a DUI.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,444$120.33
State Farm$1,930$160.83
GEICO$2,576$214.67
Allstate$2,680$223.33
Progressive$3,360$280.00
Allied$4,277$356.42
Mercury$4,376$364.67
Travelers$4,531$377.58
MetLife$5,306$442.17

Related: Cheapest Car Insurance in California

Cheapest Auto Insurance For Florida Drivers With Poor Credit

If you’re located in Florida and have poor credit, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,554$129.50
GEICO$2,223$185.25
State Farm$3,581$298.42
Allied$4,190$349.17
Travelers$4,267$355.58
Allstate$4,283$356.92
MetLife$4,598$383.17
Mercury$4,970$414.17
Progressive$5,264$438.67

Cheapest Car Insurance For 20-Year-Old Drivers in Florida

Younger drivers typically have to deal with higher insurance costs. This is especially true for 20-year-olds in FL.

Cheapest Full Coverage Car Insurance For 20-Year-Old Florida Drivers

GEICO and USAA have the cheapest full coverage auto insurance for 20-year-olds in FL.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,577$131.42
GEICO$2,256$188.00
State Farm$3,634$302.83
Allied$4,252$354.33
Travelers$4,331$360.92

Cheapest Minimum Coverage Car Insurance in Florida For 20-Year-Old Drivers

The cheapest minimum coverage auto insurance for 20-year-olds is USAA and GEICO in FL.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,064$88.67
GEICO$1,546$128.83
Allstate$2,709$225.75
Allied$2,767$230.58
State Farm$2,843$236.92

Cheap Auto Insurance For 20-Year-Old Florida Drivers With Poor Credit

Here are the lowest annual and monthly rates for 20-year-old FL drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
USAA$3,185$265.42
GEICO$4,555$379.58
State Farm$7,339$611.58
Allied$8,587$715.58
Travelers$8,746$728.83

Cheap Car Insurance For 20-Year-Old Florida Drivers With a Speeding Ticket

State Farm and USAA have the least expensive car insurance for 20-year-old FL drivers with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,755$146.25
State Farm$3,956$329.67
GEICO$4,160$346.67
Allstate$4,346$362.17
Allied$5,515$459.58

Cheap Auto Insurance in Florida For 20-Year-Old Drivers With a DUI

Here are the cheapest car insurance prices for 20-year-olds with a DUI:

Insurance CompanyAnnual RateMonthly Rate
USAA$2,960$246.67
State Farm$3,956$329.67
GEICO$5,282$440.17
Allstate$5,494$457.83
Progressive$6,888$574.00

Cheap Car Insurance in Florida For 20-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and annual costs for 20-year-old drivers in FL with one at-fault accident:

Insurance CompanyAnnual RateMonthly Rate
USAA$2,091$174.25
GEICO$3,228$269.00
State Farm$4,276$356.33
Allstate$5,787$482.25
Allied$5,892$491.00

Cheapest Car Insurance For 25-Year-Old Drivers in Florida

25 is the age where FL auto insurance premiums start to decline quicker. This means living in Florida, you get to save more money on car insurance.

Cheapest Full Coverage Car Insurance For 25-Year-Old Florida Drivers

Here are the cheapest options for full coverage auto insurance for 25-year-olds in FL:

Insurance CompanyAnnual RateMonthly Rate
USAA$923$76.92
GEICO$1,320$110.00
State Farm$2,127$177.25
Allied$2,489$207.42
Travelers$2,535$211.25

Cheapest Minimum Coverage Car Insurance in Florida For 25-Year-Old Drivers

GEICO and USAA have the cheapest minimum coverage auto insurance for FL 25-year-olds.

Insurance CompanyAnnual RateMonthly Rate
USAA$623$51.92
GEICO$905$75.42
Allstate$1,586$132.17
Allied$1,619$134.92
State Farm$1,664$138.67

Cheap Auto Insurance For 25-Year-Old Florida Drivers With Poor Credit

25-year-old drivers with poor credit can use USAA or GEICO for the lowest annual and monthly rates.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,862$155.17
GEICO$2,663$221.92
State Farm$4,290$357.50
Allied$5,020$418.33
Travelers$5,112$426.00

Cheap Car Insurance For 25-Year-Old Florida Drivers With a Speeding Ticket

Here are the least expensive auto insurance options for 25-year-old FL drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,028$85.67
State Farm$2,316$193.00
GEICO$2,435$202.92
Allstate$2,544$212.00
Allied$3,228$426.00

Cheap Auto Insurance in Florida For 25-Year-Old Drivers With a DUI

25-year-olds with a DUI have these options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,733$144.42
State Farm$2,316$193.00
GEICO$3,092$257.67
Allstate$3,216$268.00
Progressive$4,032$336.00

Cheap Car Insurance in Florida For 25-Year-Old Drivers With One At-Fault Accident

USAA and GEICO have the least expensive car insurance yearly and monthly costs for 25-year-old drivers in FL with one at-fault accident.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,224$102.00
GEICO$1,889$157.42
State Farm$2,503$208.58
Allstate$3,388$282.33
Allied$3,449$287.42

Cheapest Car Insurance For 30-Year-Old Drivers in Florida

Florida auto insurance prices in your 30s will be even cheaper compared to your teenage years and early to mid-20s.

Cheapest Full Coverage Car Insurance For 30-Year-Old Florida Drivers

Here are the cheapest car insurance options for 30-year-olds in FL that want to be fully covered:

Insurance CompanyAnnual RateMonthly Rate
USAA$769$64.08
GEICO$1,100$91.67
State Farm$1,773$147.75
Allied$2,074$172.83
Travelers$2,113$176.08

Cheapest Minimum Coverage Car Insurance in Florida For 30-Year-Old Drivers

GEICO and USAA have the cheapest auto insurance rates for 30-year-olds in FL that want minimum coverage.

Insurance CompanyAnnual RateMonthly Rate
USAA$519$43.25
GEICO$754$62.83
Allstate$1,321$110.08
Allied$1,350$112.50
State Farm$1,387$115.58

Cheap Auto Insurance For 30-Year-Old Florida Drivers With Poor Credit

USAA and GEICO have the least expensive annual and monthly rates for 30-year-old FL drivers with poor credit.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,554$129.50
GEICO$2,223$185.25
State Farm$3,581$298.42
Allied$4,190$349.17
Travelers$4,267$355.58

Cheap Car Insurance For 30-Year-Old Florida Drivers With a Speeding Ticket

Check out these FL insurance companies for cheap car insurance for 30-year-old drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
USAA$856$71.33
State Farm$1,930$160.83
GEICO$2,029$169.08
Allstate$2,120$176.67
Allied$2,690$224.17

Cheap Auto Insurance in Florida For 30-Year-Old Drivers With a DUI

USAA and State Farm have the cheapest auto insurance prices for FL 30-year-olds with a DUI.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,444$120.33
State Farm$1,930$160.83
GEICO$2,576$214.67
Allstate$2,680$223.33
Progressive$3,360$280.00

Cheap Car Insurance in Florida For 30-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and yearly costs for 30-year-old drivers in FL with one accident on record:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,020$85.00
GEICO$1,574$131.17
State Farm$2,086$173.83
Allstate$2,823$235.25
Allied$2,874$239.50

Cheapest Car Insurance For Florida Drivers Over 65 Years Old

Auto insurance prices in FL will vary depending on what you’re looking for and what your situation is as a 65-year-old driver.

Cheapest Full Coverage Car Insurance For Florida Drivers Over 65 Years Old

The cheapest full coverage auto insurance for FL drivers over 65 years old is USAA and GEICO.

Insurance CompanyAnnual RateMonthly Rate
USAA$918$76.50
GEICO$1,099$91.58
State Farm$1,702$141.83
Allied$2,136$178.00
Travelers$2,197$183.08

Cheapest Minimum Coverage Car Insurance in Florida For Drivers Over The Age of 65

Here are all your options for getting cheap car insurance with minimum coverage in FL when you’re over 65 years old:

Insurance CompanyAnnual RateMonthly Rate
USAA$615$51.25
GEICO$762$63.50
Allstate$1,316$109.67
State Farm$1,321$110.08
Allied$1,431$119.25

Cheap Auto Insurance For Florida Drivers Over 65 Years Old With Poor Credit

If you have poor credit in FL and are over 65 years old, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,854$154.50
GEICO$2,220$185.00
State Farm$3,439$286.58
Allied$4,314$359.50
Travelers$4,438$369.83

Cheap Car Insurance For Florida Drivers Over 65 Years Old With a Speeding Ticket

If you have a speeding ticket and are over the age of 65, here are your options in FL:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,026$85.50
State Farm$1,849$154.08
GEICO$2,028$169.00
Allstate$2,136$178.00
MetLife$2,392$199.33

Cheap Auto Insurance in Florida For Drivers Over The Age of 65 With a DUI

State Farm and USAA have the least expensive auto insurance for FL drivers over 65 years old with a DUI:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,766$147.17
State Farm$1,849$154.08
GEICO$2,575$214.58
Allstate$2,722$226.83
Progressive$3,985$332.08

Cheap Car Insurance in Florida For Drivers Over 65 Years Old With One At-Fault Accident

If you don’t want to spend a lot on auto insurance but are over the age of 65 and have an accident on record, these are your options:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,277$106.42
GEICO$1,573$131.08
State Farm$1,999$166.58
MetLife$2,790$232.50
Allstate$2,850$237.50

Florida Minimum Auto Insurance Requirements

The state of Florida has a list of requirements for the minimum amount of auto insurance a driver can have.

These requirements include:

  1. At a minimum; $10,000 for personal injury protection.
  2. A total of $10,000 per crash for property damage caused by the vehicle.

Methodology For Choosing Cheapest Florida Auto Insurance

We compared rates from Florida auto insurance companies throughout the state. The rates we used are calculated for a 35-year-old male with a good credit score (690-719).

Other stats used for the calculated rates include:

Bodily Injury Coverage: $50,000

Overall Coverage: $100,000

Property Damage Coverage: $50,000

Age: 35 years old

Vehicle: 2020 Sedan

Number of Incidents: 0

Credit Score: Good (690-719)

Comprehensive and Collision Coverage: None

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