Cheapest Car Insurance in Florida (2026)

Summary

• State Farm is the cheapest car insurance company in Florida, averaging $82/month for liability-only and $128/month for full coverage, per Insurify rate data updated September 12, 2026. Progressive ($92/$145) is the next-cheapest full-coverage carrier.
• Florida is one of the most expensive states in the country: liability averages $142/month against the national $98, full coverage $237 against $187 — about $2,839 a year for full coverage.
• Rates are rising again. After easing through 2025, Florida full coverage is up 5.1% since December and 5% year over year, and every month of 2026 has been higher than the last. The mid-year report had Florida falling; the monthly series says otherwise.
• The minimums are the lowest in the country and don't include bodily injury liability at all: $10,000 PIP and $10,000 property damage, in a no-fault system with one of the highest uninsured-driver rates anywhere.
• Geography is destiny here: Boynton Beach drivers pay $211/month for liability; Milton drivers pay $92. South Florida's coastal counties are a different market from the rest of the state.
• The carrier spread on the same liability profile runs $82 to $233 a month, so see where your own quote lands before your renewal reprices you.

Cheapest Car Insurance Companies in Florida

State Farm leads both columns in Florida — cheapest liability and cheapest full coverage — with a $10 gap to second place on liability and a $17 gap on full coverage. More than 400 companies sell auto insurance in Florida, per the Office of Insurance Regulation, and the table shows why comparison matters more here than almost anywhere: the same liability profile is $82 at the top and $233 at the bottom.

Source: Insurify Florida rate data, current as of August 31, 2026 (page updated September 12). Full-coverage figures reflect 50/100/50 liability limits with $1,000 collision and comprehensive deductibles. Actual quotes vary by driver profile.

Two things in the table are worth a second look. Clearcover is second-cheapest for liability at $90 but $218 for full coverage, which makes it a minimum-coverage carrier, not a full-coverage one; Progressive's $145 is the real runner-up for anyone with a car loan. And the national brands that lead elsewhere are expensive in Florida: GEICO's full coverage is $192, Allstate's $181, Travelers — the cheapest full-coverage insurer in the country on our national cheapest-companies page — is $264 here, and Liberty Mutual is the most expensive carrier in the state for liability at $233. Florida is where national rankings go to die.

How Much Is Car Insurance in Florida?

Florida averages $142/month for liability-only and $237/month for full coverage — about 45% and 27% above the national averages of $98 and $187, and among the highest in the country.

The trend has turned, and this is where we need to correct what this guide said in July. The mid-year report had Florida falling 4% in the first half of 2026. The monthly series, which is the fresher publication, shows the opposite: full coverage was about $2,702 a year in December 2025 and $2,839 in August 2026, a 5.1% rise in eight months, with every month higher than the one before. Year over year it's up about 5% from $2,700 in August 2025. The state peaked near $2,909 in June 2024, eased through 2025, and has now recovered most of the ground. The pressures are the familiar ones — repair-cost inflation, medical costs, litigation, and a growing pile of flood and storm claims — and the same source expects the pace of increases to slow in 2026 without reversing. Florida is in the same current as Kentucky and Virginia, not the one Tennessee and Ohio are in. Our September rate report has the full national picture.

City spread, per Insurify (selected cities from a 70-city table):

The map reads north-inland cheap, south-coastal expensive. The Panhandle and the Nature Coast — Milton, Panama City, Pensacola — and the Gulf retirement towns — Venice, Sarasota, Naples — sit at or below the national average for liability. Jacksonville is the state's cheapest big city. Then the cliff: Orlando and Tampa run 10–30% above the state average, and the Miami–Fort Lauderdale–West Palm corridor runs 20–50% above it, with Miami Gardens the most expensive place in Florida for full coverage at $335 a month. Congestion, theft, hurricane exposure, and a litigation environment that makes South Florida claims the most expensive in the state all stack in the same ZIP codes. If you garage a car in Miami-Dade, Broward, or Palm Beach County, the carrier comparison is worth more to you than to anyone else in Florida.

Florida Car Insurance Requirements

Florida has the lowest and strangest minimums in the country. To register a vehicle you need:

That's it. Florida does not require bodily injury liability for basic registration — one of two states that don't — even though you're fully responsible for injuries you cause. Most drivers buy it anyway, and any lender will require it, but a driver carrying only the legal minimum has no protection if they hurt someone. Florida is a no-fault state: your own PIP pays your medical bills after a crash regardless of who caused it, up to the $10,000 limit, which a single emergency-room visit can exhaust. The same mechanism applies in Michigan and Massachusetts, both with far higher limits.

Coverage must stay continuous on any registered vehicle — even one that's inoperable or parked for the season — or the state suspends the registration and license. Snowbirds who let a Florida policy lapse over the summer learn this the expensive way; our coverage-lapse guide covers the reinstatement path.

Florida also uses both the SR-22 and the FR-44. Lesser violations get the SR-22. A DUI conviction gets the FR-44, which requires 100/300/50 liability coverage for three years — ten times the bodily-injury coverage of a standard policy, in a state that otherwise requires none. FR-44 policies average about $167 a month for liability. Our SR-22 vs. FR-44 explainer covers how the two forms differ, and our suspended-license guide covers reinstatement.

High-Risk Drivers in Florida

Florida surcharges violations on top of an already high base. Nearly 8% of Florida drivers have a ticket, accident, or DUI on their record. At State Farm, the cheapest carrier for most high-risk profiles in the state, a speeding ticket moves the liability rate from $82 to about $100 a month, and full coverage after an at-fault accident runs about $107. A DUI pushes the statewide liability average to $182 — and, uniquely, triggers the FR-44's 100/300/50 limits on top of the surcharge. The spread between carriers for a driver with a record is far wider than for a clean driver, which is why shopping matters most for the people least inclined to do it. Our post-accident rate guide and not-at-fault accident explainer cover what actually moves after a claim.

Credit counts in Florida. Insurers can use a credit-based insurance score, and drivers with bad credit pay about $119 a month for liability at the cheapest carrier against $82 for good credit — a 45% penalty before you reach the mid-table insurers. The credit-score playbook applies in full.

Teens are the expensive band: about $151/month for liability at State Farm, the cheapest carrier for young drivers, and roughly $315 for an 18-year-old's own policy. Our teen safe-car guide covers the vehicle side, and State Farm, GEICO, and Allstate are the three carriers that price Florida seniors most gently.

How to Save on Car Insurance in Florida

1. Quote State Farm and Progressive first. The only two carriers under $150 for full coverage in a state that averages $237 — that's the benchmark everything else has to beat.
2. Don't stop at the legal minimum. PIP and $10,000 property damage isn't protection; it's registration. Price bodily injury liability and uninsured motorist coverage — Florida requires insurers to offer UM, and with the state's uninsured rate, declining it is the most expensive way to save a few dollars.
3. If you're in South Florida, shop twice as hard. Miami-Dade, Broward, and Palm Beach carry the widest carrier spreads in the state, and the theft-and-litigation premium is priced very differently from one insurer to the next.
4. Bundle if you own a home. Florida's homeowners premiums are high enough that the multi-policy discount on the auto side is worth more here than in most states.
5. Don't let a seasonal car lapse. Continuous coverage is the law on any registered vehicle. A summer lapse is a suspension, a reinstatement fee, and a higher rate on the way back.
6. Stack the standard discounts — good student, defensive driving, safe-driver telematics; our discounts guide covers the list, and our telematics comparison covers which programs can't raise your rate.
7. Compare before renewal, not after. In a market up 5% this year and rising every month, the renewal notice is where the increase lands — pull fresh quotes a month out, check the national standings, and price your own profile against the tables above.

Rate data from Insurify's Florida car insurance analysis, updated September 12, 2026, with table rates current as of August 31, 2026, based on real-time quotes from 500+ partner insurers for drivers ages 20–70 with clean records and average or better credit unless noted. Annual trend figures from the same source's monthly Florida series (December 2025–August 2026); its 2026 Mid-Year Auto Report (updated August 11) had Florida falling 4% in the first half of 2026, which the monthly series contradicts — this guide uses the series as the fresher publication. Driver-profile figures per the same source's Florida sub-analyses as summarized on the state page. State requirements per the Florida Department of Highway Safety and Motor Vehicles; FR-44 limits per FLHSMV financial responsibility bulletins. Actual quotes vary by driver profile.