Top car insurance companies in Florida

Drivers in Florida pay a fortune for car insurance in Florida. The state has the third-highest auto insurance premiums in the country, with the average motorist paying $120 per month for liability, collision, and comprehensive coverage. So if you are looking for cheap auto insurance, you may need to set your expectations a bit low. Florida is the right place for the best car insurance companies in the country.

At the same time, Florida's minimum insurance requirements are among the most permissive in the country, with drivers required to carry only $10000 in property damage liability and $10,000 in personal injury protection (PIP).

Because Florida is a no-fault state, your PIP policy will cover your medical expenses if you are injured in an accident, regardless of who was at fault. These charges would be covered by the at-fault driver's bodily injury liability insurance in most states.

The good news is that you don't have to settle for inadequate auto coverage to get cheap auto insurance in Florida. We've compiled a list of the best car insurance companies based on coverage, service, pricing, and other factors. Let us hope that this will get you the car insurance in Florida that you are looking for:

Best car insurance in Florida: GEICO

Best car insurance in Florida for minimum coverage: Esurance

Best car insurance in Florida for full coverage: State Farm

Best car insurance in Florida for seniors: Florida Farm Bureau

Best car insurance in Florida for teenagers: Progressive

Best car insurance in Florida for military members: USAA

GEICO

GEICO has everything for Florida drivers: award-winning service, competitive prices, and a plethora of incentives. This was a no-brainer for best overall.

The best car insurance companies in Florida depend on your unique circumstances and demands, but we discovered that GEICO provides the most excellent overall coverage. This car insurance in Florida provides an excellent blend of service, convenience, and coverage without charging exorbitant premiums.

Customers of GEICO can easily reach someone 24 hours a day, seven days a week, to submit a claim, obtain emergency assistance, and more. According to the company, the quickest way to acquire assistance is through their mobile app, while phone representatives are also accessible.

There is even a special Spanish-language customer service team for Florida citizens who do not speak English as their first language.

Although a virtual assistant only supports it, no live agents monitor this channel.

GEICO provides cheap auto insurance consistently lower than the national average across the quotations we got, with primary coverage costing around $66 per month and full coverage costing roughly $216 for a single adult. While there were some less expensive options in the state, the majority lagged behind service quality and coverage possibilities. If you can spare a few additional dollars per month, we believe GEICO is well worth it.

Whether you're a single young adult or a retired couple, GEICO has plenty of discounts for you. On the other hand, GEICO's safe driver discount standards are more stringent than you could find elsewhere. You'll require five years without a significant infringement, compared to most competitors' three years.

Esurance

Esurance is Florida's best car insurance company. Esurance is the best for minimum coverage providers, with cheap auto insurance starting as low as a few dollars each day. Compared to the rest of the country, Florida's statutory minimum insurance requirements are pretty forgiving, requiring only $10,000 in property damage liability and $10,000 in personal injury protection.

While this isn't enough coverage for the ordinary driver, it will get you legally on the road if you're on a limited budget. According to a sample quotation we obtained, Esurance offers affordable basic coverage starting at roughly $48 per month.

Esurance is a technology-based car insurance company in Florida that provides auto insurance policies online and via its mobile app.

Obtaining a quote and maintaining your insurance is quick and easy.

You'll even find coverage that isn't available everywhere, like ridesharing insurance for Uber and Lyft drivers.

Although Esurance's rates are much lower than competitors, there is a catch. If you wish to pay your insurance bill every month, you'll need to make a down payment that usually ranges between 20% and 33% of your six-month cost. The only way around this is to pay for the entire six-month policy duration in advance.

The disadvantage of technology-based insurance is that service is less individualized, and it can be challenging to obtain assistance from a live human.

State Farm

Due to its varied coverage options and bundling discounts, State Farm is the best option for full auto coverage in Florida. Because Florida is a no-fault state, many experts advise having a more comprehensive coverage that will cover your expenditures if you are involved in an accident.

State Farm allows drivers to select the appropriate amount of protection from a wide range of coverage options and savings opportunities, earning the top rank for complete coverage.

When compared to other Florida insurers, State Farm's full-coverage policies are reasonably affordable. A single adult will pay around $291 for bodily injury and property damage liability, personal injury protection, uninsured/underinsured motorist coverage, medical payments, comprehensive and collision coverage, and rental car reimbursement.

Seniors, on the other hand, may find that rates are slightly higher than usual.

State Farm provides two separate safe driving programs that can help you earn savings if you want to offset the cost of a full-coverage policy.

The first, Drive Safe & Save, is a usage-based program that uses a smartphone app to track your miles, resulting in a 30% discount.

Drivers under the age of 25 can also enroll in Steer Clear, a safe driving school that teaches excellent behaviors.

Florida Farm Bureau

Florida Farm Bureau, the state's most suitable car insurance company for seniors, offers affordable coverage to retired folks who don't drive much.

Many retirees go to Florida because of the beautiful weather and friendly locals. Because seniors drive their cars less frequently, they may save money on insurance by picking the right car.

Florida Farm Bureau is a superb option because of its low prices and additional advantages tailored exclusively to older individuals.

Florida Farm Bureau distinguishes itself by providing some of the lowest auto insurance prices for seniors in the state. According to the prices we obtained, a retired married couple sharing a vehicle may spend as little as $42 per month for minimal state coverage and $123 for full coverage.

This is around $30 cheaper per month than the average monthly rates we found from area competitors. Seniors may be interested in other services offered by Florida Farm Bureau, such as retirement planning and life insurance.

While there is no advertising discount for vehicle insurance customers who join in extra services, having all of these needs addressed by the same company is convenient.

Representatives from Florida Farm Bureau are available by phone and in local offices around the state, which may be excellent for seniors who feel left behind by quickly evolving technology in the insurance sector. The company does have a smartphone app. However, it receives low customer reviews. Their website is likewise unusable and does not provide immediate online quotations.

Progressive

Progressive was named the best auto insurer for teen drivers because of its affordable rates and safe driving programs for new licensees.

When purchased through Progressive, adding a youngster to your family's auto insurance coverage can be surprisingly reasonable.

Our Florida family of two adults and a teen was quoted $162 per month for basic coverage and $561 per month for standard coverage, which is approximately one-third less than the average cost from competitors.

Progressive offers various discount programs developed exclusively for new licensees to assist offset insurance expenses for young drivers. When you add a young driver to your family policy, you receive a teen driver discount.

Those with B-average or higher grades are eligible for a good student discount of up to 10%. Additional cost reductions may be available to college students attending classes far from home.

Progressive's Snapshot program may be appealing to young drivers, as it provides an incentive for safe driving behavior, which can lead to a cheaper rate.

However, it would help if you exercise caution before enrolling your adolescent in Snapshot. In contrast to most competitors' usage-based insurance plans, poor driving habits might raise your premium.

According to Progressive, two out of every ten customers who sign up for Snapshot wind up paying more, not less. Teens may be more prone to behaviors such as rapid braking, which the app perceives as indicators of aggressive driving.

Before switching to Progressive, large families should carefully evaluate overall rates and savings with their current insurer. Accident forgiveness is accessible only to individuals who have been accident-free for three years and loyal Progressive clients for five years.

USAA

Military families in Florida will not find better car insurance in Florida than USAA, which provides armed services with exceptional rates and service. If you or a family member is a military member, you're probably already aware of USAA, the most advanced car insurance option for Florida military families. The organization, considered one of the best car insurance companies, is known for its model for customer service. Still, other benefits include cheap auto insurance and specialist coverages tailored to military demands.

USAA's full coverage costs roughly $201 per month for a single adult and $492 for a household with a teen driver. If you need to change your coverage due to deployment or relocation, USAA makes it simple to do so.

While you are unlikely to receive anything less than exceptional service from USAA employees, the company's digital experience might occasionally fall short of expectations. You can't do some things online; for example, if you try to remove a driver from your policy, you'll be directed to call USAA and make the change over the phone. Some customers have reported receiving this error notice while attempting to make other modest modifications to their policy.