Our analysis institute that Florida Farm Bureau offered the cheapest car insurance in Florida. This auto insurance fellowship quoted our profile motorists an annual charge per unit of measurement of $381 (on average), 65% less than the Florida country average of $1,098. However, nosotros discovered that automobile insurance rates in the same urban center tin reach widely from fellowship to company. For this reason, to acquire the best rates, drivers should get together multiple quotes from local as well as national auto insurers. Enter your ZIP code in a higher identify to first shopping for auto insurance from companies nigh you.
Cheapest Car Insurance Companies in Florida
The 3 cheapest auto insurance companies in Florida are Florida Farm Bureau, USAA as well as GEICO. These companies quoted our benchmark drivers an average annual cost of $529—a hateful savings of $569 per year.
Travelers as well as State Farm rounded out the pass 5 most affordable companies in Florida. Your rates volition differ depending upon where y'all alive as well as your driving record, amongst other factors, as well as y'all should comparison-shop to ensure y'all discovery the best rates. Start yesteryear entering your ZIP code below for a listing of inexpensive insurers nigh you.
Cheap Car Insurance in Florida: yesteryear City
Location is 1 of the most of import factors in the cost of insurance. Car insurance prices in Florida tin differ drastically from urban center to city. For example, the average cost to insure a automobile in Liberty County is $836 per year, which is 38% of the cost in Miami-Dade County. This equates to an extra $1,362 per twelvemonth that the average Miami driver would pay compared to the average driver in Bristol, Florida.
Furthermore, each insurer has dissimilar claims feel in each city, as well as thence the prices inside a urban center tin live quite dissimilar equally well. In Jacksonville, Florida, 1 twelvemonth of premiums at the most expensive fellowship would pay for automobile insurance at the cheapest fellowship for nearly vii years (6.75 years). Below are auto insurance costs as well as the 3 cheapest companies for the largest cities in Florida, averaged across our 3 policyholder scenarios.
Jacksonville, Florida
Jacksonville's 823,000 residents alive in 1 of the most spacious cities in the United States. The urban center has a issue of superlatives behind its name: the largest urban commons network, the moment biggest jazz festival as well as the largest concrete cable bridge. For the largest urban center in Florida, Jacksonville's auto insurance costs really aren't that expensive. The average citywide annual premium is $1,230 per year, which is 12% higher than the country average. Rates for retired senior citizen couples average only $490 per year, spell families amongst ii teenagers tin view rates of nearly $2,275 per year.
For inexpensive automobile insurance in Jacksonville, acquire quotes from Florida Farm Bureau, GEICO as well as State Farm. These 3 auto insurers, in add-on to USAA (limited to armed forces families), had the cheapest costs in Jacksonville of $618 per twelvemonth on average—savings of 50% over the average urban center premium.
Miami, Florida
The most expensive identify for auto insurance in Florida is the urban metropolis of Miami. Between its miles of beaches as well as its three-time NBA champions, the Miami Heat, the city's residents practise non shy away from high temperatures, as well as average auto insurance premiums hither are only equally high. Auto insurance in Miami costs nearly $2,198 per year—which is nearly double the Florida mean.
There are e'er opportunities to save, however. If you're looking for inexpensive automobile insurance in Miami, nosotros recommend the Florida Farm Bureau, GEICO as well as Travelers (average premium: $1,083). Going amongst these auto insurance companies volition salve drivers nearly 51%, or $1,100 per twelvemonth compared to the Miami average.
Tampa, Florida
Located in Hillsborough County, Tampa is the tertiary largest urban center in Florida amongst 336,000 residents. It is hither that Ray Charles began his music career as well as Babe Ruth hitting his longest habitation run.
Drivers tin await to pay on average $1,841 per twelvemonth to purchase auto insurance in Tampa, which is nearly 68% higher than the Florida average. For inexpensive auto insurance in Tampa, nosotros advise the Florida Farm Bureau, Travelers as well as GEICO, which had the lowest rates in our study. Together, these companies would salve y'all 56% compared to the average urban center cost, amongst a hateful annual premium of $807.
St. Petersburg, Florida
With over 360 days of sunshine per year, St. Petersburg, Florida, is a haven of sunny retreats. Perhaps only equally of import equally its beaches is the city's distinction of beingness the birthplace of commercial aviation as well as Major League Baseball jump training.
It costs on average $1,497 to insure a automobile for personal injury protection (PIP) as well as holding harm in St. Petersburg—that's 36% higher than the Florida average. But if y'all become amongst Florida Farm Bureau, GEICO or Travelers, 3 auto insurance companies offering the most affordable rates in St. Petersburg, y'all tin view an average charge per unit of measurement of $713—52% lower than the urban center average.
Orlando, Florida
Home to Walt Disney World, Universal Orlando Resort as well as SeaWorld Orlando, Orlando is a national tourist destination. The Orlando Magic as well as 239,000 other residents too phone outcry upward this urban center home.
Car insurance in Orlando costs nearly $1,417 per twelvemonth averaged amongst our 3 profiles. This makes Orlando 29% to a greater extent than expensive than the typical urban center in the Sunshine State. If you’re looking for the best, inexpensive auto insurance in Orlando, Florida, Farm Bureau Insurance, GEICO as well as Travelers had the lowest rates in our written report (excluding USAA, which, for armed forces members, would take been the actual tertiary cheapest). Among these 3 auto insurers, their average charge per unit of measurement of $661 stand upward for a 53% discount versus the typical insurer in the city.
Hialeah, Florida
The 6th largest urban center in Florida, Hialeah is located only nine miles northwest of Miami. Named for the pretty prairie the urban center was founded on, Hialeah is known for Hialeah Park, a grand thoroughbred Equus caballus race track. Equestrians as well as other residents in Hialeah tin view an average annual automobile insurance cost of around $2,198, probable in large function due its proximity to Miami. For nearly a 50% savings, consider Florida Farm Bureau GEICO, as well as Travelers, which are the lowest cost providers in the Miami-Dade County, according to our analysis.
Tallahassee, Florida
181,000 residents, 1 prehistoric mastodon skeleton as well as the largest magnet laboratory phone outcry upward this urban center home. It costs $994 to insure a automobile in Tallahassee, which makes it the solely of the x largest cities in Florida to take an average cost below the country mean. Florida Farm Bureau, Auto-Owners Insurance as well as State Farm provided the 3 of the most affordable rates in Tallahassee, averaging $428 per year. At the mid-$400s level, residents are paying 50% below the urban center average as well as 61% below the country average.
Fort Lauderdale, Florida
With access to over 23 miles of sandy oceanfront coastline as well as a sunny as well as warm tropical climate, Fort Lauderdale is a swell beach town. It’s been known equally the Venice of America amongst to a greater extent than than 300 miles of inland waterways. Auto insurance in Fort Lauderdale costs $1,748 per year, which is 59% pricier than the average urban center in Florida. You tin shave off one-half of those costs, however, if y'all become amongst Florida Farm Bureau, GEICO or Travelers, the 3 cheapest auto insurance companies in Fort Lauderdale (mean annual premium $868).
Port St. Lucie, Florida
You tin discovery the world’s largest tropical bonsai tree collection at the Heathcote Botanical Gardens or the world’s solely museum on the Navy SEALs in Port St. Lucie. Insuring a vehicle in this urban center costs nearly $1,258 per year—14% costlier than elsewhere in Florida. Getting quotes from Florida Farm Bureau, GEICO or State Farm should live a expert first for inexpensive auto insurance in what locals refer to equally “PSL.” Based on our analysis, these 3 averaged to $640 per year, 49% cheaper than the typical insurer in the city.
This nautical chart graphs the companies amongst the best auto insurance rates in Port St. Lucie: Florida Farm Bureau, GEICO as well as State Farm.
Pembroke Pines, Florida
The urban center of Pembroke Pines is bordered yesteryear the Florida Everglades to the westward as well as is situated for tardily access to I-75 as well as the Florida Turnpike. The average annual automobile insurance costs for the driver profiles nosotros sampled is $1,748. Our information signal that Florida Farm Bureau, GEICO as well as Travelers had the best rates, at $868 on average—a 50% decrease from the citywide cost.
This nautical chart shows that Florida Farm Bureau, GEICO as well as State Farm take the best automobile insurance rates in Pembroke Pines.
Gainesville, Florida
Home to the University of Florida, the Florida Gators as well as a resident population of 188,000, Gainesville is the 17th largest urban expanse in Florida. The average cost of automobile insurance in Gainesville is $961 per year, or 12% cheaper than the average premium in Florida. Florida Farm, GEICO as well as Travelers had some of the cheapest rates in Gainesville, averaging nearly $476 per year.
Fort Walton Beach, Florida
We institute Fort Walton Beach, located in Okaloosa County, to take an annual auto insurance cost of $1,014. For depression rates in Fort Walton Beach, nosotros recommend y'all get together quotes from Florida Farm Bureau, State Farm, USAA as well as GEICO, which averaged $461—a reduction of $553 from the citywide average.
Leesburg-Eustis-Tavares, Florida
$1,064 is the hateful annual auto insurance premium for drivers in the urban expanse of Leesburg, Eustis as well as Tavares. The 4 cheapest automobile insurance companies from our written report were Florida Farm Bureau, State Farm, Travelers as well as USAA. The insurance costs from these companies were 47% ameliorate than the average for these cities.
Panama City, Florida
Panama City—which is located on Florida’s Emerald Coast—we institute to take an average annual auto insurance cost of $567. GEICO's rates were the cheapest in the urban center at $338, spell Liberty Mutual provided the most expensive quotes, at $836 on average for our profiled drivers.
Best Auto Insurance Companies in Florida
The best automobile insurance companies in Florida amongst the highest ratings are: AAA, Southern-Owners Insurance, Amica, Florida Farm Bureau as well as Safeco. As nosotros mentioned above, Florida Farm Bureau Insurance ranked equally the cheapest auto insurance fellowship in Florida, as well as thence it's swell to view that they are too 1 of the top-rated auto insurers in the state. GEICO, State Farm as well as Progressive—three of the largest auto insurers in Florida—perform ameliorate than average equally well, amongst relatively depression charge index numbers. At the other finish were Windhaven, Ocean Harbor as well as First Acceptance, which received the most complaints relative to their marketplace portion size.
This is our summary of the Florida Auto Insurance Complaint Index (the lower the Complaint Index number, the better; Index of 1 = average):
To discovery the best auto insurance companies in Florida, nosotros looked at which companies received the fewest complaints at the Florida Office of Insurance Regulations in 2017. We consolidated private underwriters into their bring upward group. Next, nosotros weighted the companies' portion of complaints yesteryear their portion of premiums, as well as lastly looked at the 30 largest insurance groups in Florida to acquire in relevant to the bulk of drivers.
Cost of Car Insurance in Florida: yesteryear City
The average cost of auto insurance in Florida is $1,098 per year, averaged for our 3 driver profiles across 67 counties in the state. The cheapest county was Liberty County, amongst average rates of $836. On the other finish of the spectrum was Miami-Dade, amongst an average annual automobile insurance charge per unit of measurement of $2,198 per year. This tabular array breaks downward the costs for the 75 cities in Florida that nosotros included in our study, amongst at to the lowest degree 1 urban center in each of the 67 counties. Note that these costs are only samples as well as volition non necessarily stand upward for what your actual auto insurance rates volition be. Car insurance quotes are tailored to your background as well as circumstances, as well as thence it's best to come in your ZIP code below for a listing of inexpensive companies to commence your comparing shopping.
Auto Insurance in Florida: Minimum Coverage Requirements
We take included the minimum insurance coverage y'all are required to take on your automobile per the Florida Office of Insurance Regulation. Bodily injury as well as uninsured motorist coverage come upward criterion as well as recommended amongst your policy yesteryear insurers, but they are rejectable. Florida's minimum required automobile insurance coverage limits are equally follows:
Though y'all may come across the state's minimum requirement, nosotros recommend that y'all consider opting in for a higher degree of coverage. If y'all are in a especially expensive accident, your minimum coverage may non live plenty to fully encompass the damages as well as y'all may take to pay out-of-pocket. This applies whether you're a college pupil at the University of Central Florida, a novel household unit of measurement starting out in Tallahassee or y'all are a retiree in the Sunshine State.
How We Conducted the Analysis
We averaged Florida auto insurance rates for 3 sample policyholders across 26 insurers in 67 counties. Premiums are averaged at the bring upward fellowship level, since drivers can't select which affiliate underwrites their insurance. Our sample policies included bodily injury as well as holding harm liability coverage. Below, nosotros take summarized the 3 driver profiles nosotros used to get together quotes:
Family Profile: This policy was for a 50-year-old brace amongst ii children, ages xx as well as 18, who take had expert driving records for the previous 3 years. They cause a 2012 Toyota Camry as well as a 2007 Toyota Corolla for a combined 20,000 miles per year. They comport a basic liability coverage of $25,000 / $50,000 for bodily injury, as well as $50,000 for holding damage.
Senior Couple: Our sample policy covered a 65-year-old as well as 70-year-old senior married brace who cause a 2007 Toyota Camry as well as take had no traffic violations or at error accidents in the concluding 3 years. There take liability limits of $50,000 / $100,000 in bodily injury as well as $100,000 of holding harm on the car.
25-Year-Old Female: For this policy, our driver had 1 small traffic violation as well as 1 not-at-fault accident in the yesteryear 3 years. She has a 2012 Toyota Camry that with insurance limits of $25,000 / $50,000 in bodily injury liability coverage as well as $50,000 in holding harm liability coverage.
Average premiums are for illustrative purposes, equally private quotes volition differ based on driving history, ZIP codes, vehicle type, coverage limits chosen as well as other factors.
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