CarInsuranceGuide Updated May 2026
BEST CAR INSURANCE FL 2026

Best Car Insurance in Florida

Florida drivers pay an average of $3,200/yr for full coverage. Highest rates in US with California. High fraud rate and weather risk drive costs up. PIP required.

✅ Avg Rate: $3,200/yr ✅ Min Required: 10/20k PIP + 10k PDL 📍 No-fault state — PIP required

Best Car Insurance Companies in Florida

#1 State Farm
Best overall in Florida • A++ rated • Local agents statewide
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#2 GEICO
Cheapest rates in Florida • 100% online/phone • A++ rated
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#3 Progressive
Best for high-risk drivers in Florida • Name Your Price tool
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#4 Allstate
Most coverage options in Florida • Drivewise safe driver rewards
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#5 Liberty Mutual
RightTrack discount program • Better car replacement coverage
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Florida Car Insurance FAQ

GEICO and State Farm offer best FL rates. Progressive popular for high-risk drivers. Rates average $3,200/yr for full coverage in Florida.
Florida full coverage averages $3,200/yr. Highest rates in US with California. High fraud rate and weather risk drive costs up. PIP required.
Florida requires minimum 10/20k PIP + 10k PDL. Note: No-fault state — PIP required.
GEICO is generally cheaper on price. State Farm wins on customer service and claims. Always get quotes from both — rates vary significantly by zip code within Florida.
Compare multiple quotes, bundle home and auto, maintain a clean driving record, take a defensive driving course, raise your deductible, and ask about usage-based programs like Progressive Snapshot or State Farm Drive Safe & Save.