Finding the cheapest car insurance in Florida doesn’t need to be a chore. We analyzed rates from large insurers in the state to pinpoint the best options for affordable auto insurance.
Finding Cheap Car Insurance in Florida
Shopping around to find cheap car insurance in Florida shouldn’t be a hassle. We evaluated options in Florida to find the lowest costs.
Cheap Florida car Insurance for good drivers
Geico and Mercury are the cheapest Florida car insurance companies for good drivers, among the companies we analyzed.
Cheap car insurance in Florida for drivers with a speeding ticket
A speeding ticket increases car insurance rates by 25% in Florida. The exact rate increase will vary by insurance company. Even though you’ll see higher insurance rates, you can still shop around for the best car insurance.
Geico and Mercury have the lowest average car insurance rates for drivers with a speeding ticket in Florida, so make sure to get quotes from those companies if you’re shopping for Florida car insurance and have a speeding ticket on your record.
Cheap Florida car insurance for drivers who caused an accident with injury
Causing a car crash with an injury to someone else will make it harder to find cheap car insurance. Our analysis found an average increase of 41% in Florida compared to drivers with a good driving record.
If you cause a car crash with an injury, Geico and Travelers may have the most competitive prices among the companies in our analysis.
Cheap Florida car insurance for drivers with a DUI
Car insurance premiums in Florida go up an average of 33% if you have a DUI conviction on your record. You can still compare car insurance quotes to pinpoint better rates.
The cheapest Florida car insurance companies for drivers with a DUI are Geico and Bristol West (a subsidiary of Farmers), among the insurers we analyzed.
Cheap Florida car insurance for drivers with poor credit
Florida auto insurance companies usually charge drivers higher rates if they have poor credit. People with bad credit pay an average of 52% more for auto insurance in Florida.
Geico and Bristol West (a subsidiary of Farmers) may be good options if you’re looking for cheap Florida auto insurance and you have poor credit.
Cheap Florida car insurance for adding a teen driver
Adding a teen to your auto insurance increases rates by an average of 80% in Florida, compared to rates for a married couple without a teen driver.
Check quotes from Security National Ins Co and State Farm if you’re looking for cheap car insurance for teens in Florida.
Cheap Florida car insurance for young drivers ages 18 to 25
Buying your own car insurance is an expensive entry into adulthood. Our analysis found that Geico and State Farm offer the cheapest Florida car insurance for young drivers.
Required Car Insurance Discounts in Florida
Florida car insurance companies must offer at least these two car insurance discounts.
Anti-lock Brake, Anti-theft device and Air Bag Discounts
Floridians must give car insurance discounts for vehicles with anti-lock brakes, anti-theft devices or air bags.
Older Adult Discount
Florida drivers who are age 55 and over who completed a Department of Highway Safety and Motor Vehicles-approved accident prevention course are eligible for a car insurance discount. Drivers, who must also pass a written exam, can show a certificate of completion to get the discount, which is in place for three years and is renewable.
Least Expensive Vehicles for Insurance in Florida
In Florida, the Jeep Wrangler JL Sport, Subaru Crosstrek and Forester 2.5i are among the cheapest vehicles for insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive are below.
The most expensive cars for insurance in Florida among popular models are the Lexus ES 300H ($3,535 a year) and the Tesla Model S Performance/Plaid ($5,140 a year).