How much is car insurance in Florida?

Car insurance in Florida averages $3,200/yr for full coverage. Minimum liability coverage is cheaper. Highest rates in US with California. High fraud rate and weather risk drive costs up. PIP required.

What is the minimum car insurance required in Florida?

Florida requires minimum 10/20k PIP + 10k PDL. No-fault state — PIP required.

📉 June 2026 — Florida Car Insurance Rates ARE FALLING

42 carriers have filed rate decreases for Florida in 2026.

Counter to the national 13%+ increase trend, Florida is seeing rate cuts: USAA -7%, Progressive -8%, State Farm -10.1%, Florida Farm Bureau -8.7%. Driven by 2022/2023 tort reform reducing PIP litigation. If you are a Florida driver, re-shop now to lock in the lower rates.

BEST CAR INSURANCE FL 2026

Best Car Insurance in Florida

Q: What is the best car insurance in Florida?

The best car insurance in Florida for 2026 includes GEICO and State Farm offer best FL rates. Progressive popular for high-risk drivers. Rates average $3,200/yr for full coverage.

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.