The Essential Cheap Auto Insurance Rates Guide in Florida (2024)
If you are looking for cheap auto insurance in Florida, you will probably find plenty of options once you start your research. There are certain companies that are known for offering cheap auto insurance in Florida, but you should still compare rates from multiple companies to find the best deal.
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Laura Walker
Licensed Agent for 10 Years
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...
Licensed Agent for 10 Years
UPDATED: Aug 5, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 5, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- A lot of different companies offer cheap auto insurance in Florida
- Florida auto insurance can cost anywhere from $60 to $280 a month, depending on the coverage you’re looking for
- Discounts are a good way to save money on auto insurance
If you live in Florida, you may be curious if and how you can save money on your car insurance. It is possible to find cheap insurance in Florida. You just have to know where to look.
To find cheap auto insurance in Florida, you’ll probably have to do some digging to find and compare auto insurance quotes from different car insurance companies.
Be sure to take your time and compare quotes from multiple companies to make sure you find the most affordable option.
As you look for low income car insurance in Florida, you can use our free quote tool above to help you find and compare rates from some of the cheapest companies in the state.
Can I find cheap auto insurance in Florida?
It is possible to find cheap auto insurance in Florida, but it probably won’t be as easy as buying the first car insurance policy you find. In order to find the most affordable car insurance options, you will need to do some research.
While you can use word-of-mouth to speak to friends and relatives and see how much they’re paying for auto insurance, you may be better off doing your own research online to find the cheapest company.
Keep in mind that the best way to actually find cheap car insurance is to get quotes based on yourself and your vehicle rather than simply trusting a company that markets itself as cheap.
Several factors will impact a person’s car insurance rates, such as:
- Your age
- The type of car you drive
- Your credit history
- How much you drive
- The type of policy you want
To get accurate car insurance quotes from different companies, you’ll need to answer personal questions about the above factors as accurately and honestly as possible.
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What companies offer cheap auto insurance in Florida?
There are countless car insurance companies in the state of Florida. Although there’s no way to know which would be the cheapest for you, there are some companies that are well-known for being less expensive than their competitors.
The auto insurance companies in Florida that have a history of offering cheaper car insurance rates for policyholders include:
- State Farm
- Geico
- Allstate
- MetLife
- Direct Auto
- Progressive
- USAA
- Allied
- Travelers
- Auto-Owners
- 21st Century
- Hanover
- Esurance
- Mercury
As you already know, just because these companies are listed as offering cheaper rates does not mean they will offer you the best rates. So you will still want to find and compare rates from multiple companies in order to make an informed decision.
How much is auto insurance in Florida?
Florida car insurance can cost anywhere from $60 to $300 a month, depending on your policy type and other factors.
If you’re looking for cheap auto insurance in Florida and you’re willing to simply meet the state’s minimum requirements for coverage, you’ll probably be able to find rates you’re happy with.
It is also possible to find cheap full coverage car insurance in Florida, though this will never be as cheap as a simple liability policy regarding monthly and annual rates.
To give you a good idea of the cost of full coverage car insurance, the table below shows how much you might pay for monthly and annual rates throughout the U.S.
Average Full Coverage Auto Insurance Rates by State
| State | Average Annual Car Insurance Rates | Average Monthly Car Insurance Rates |
|---|---|---|
| Alabama | $837.09 | $69.76 |
| Alaska | $1,050.09 | $87.51 |
| Arizona | $900.18 | $75.02 |
| Arkansas | $951.75 | $79.31 |
| California | $939.52 | $78.29 |
| Colorado | $1,132.78 | $94.40 |
| Connecticut | $981.77 | $81.81 |
| Countrywide | $1,215.69 | $101.31 |
| Delaware | $1,324.39 | $110.37 |
| District of Columbia | $1,208.77 | $100.73 |
| Florida | $991.25 | $82.60 |
| Georgia | $858.16 | $71.51 |
| Hawaii | $673.13 | $56.09 |
| Idaho | $854.10 | $71.18 |
| Illinois | $728.93 | $60.74 |
| Indiana | $683.67 | $56.97 |
| Iowa | $850.79 | $71 |
| Kansas | $917.49 | $76.46 |
| Kentucky | $1,364.17 | $113.68 |
| Louisiana | $689.12 | $57.43 |
| Maine | $1,096.37 | $91.36 |
| Maryland | $1,107.76 | $92.31 |
| Massachusetts | $689.12 | $57.43 |
| Michigan | $1,264.20 | $105.35 |
| Minnesota | $856.62 | $71.39 |
| Mississippi | $957.59 | $79.80 |
| Missouri | $845.39 | $70.45 |
| Montana | $868.55 | $72.38 |
| Nebraska | $805.99 | $67.17 |
| Nevada | $1,083.42 | $90.29 |
| New Hampshire | $795.50 | $66.29 |
| New Jersey | $1,379.20 | $114.93 |
| New Mexico | $920.42 | $76.70 |
| New York | $1,327.82 | $110.65 |
| North Carolina | $768.28 | $64.02 |
| North Dakota | $768.09 | $64.01 |
| Ohio | $766.66 | $63.89 |
| Oklahoma | $985.58 | $82.13 |
| Oregon | $894.10 | $74.51 |
| Pennsylvania | $950.42 | $79.20 |
| Rhode Island | $1,257.40 | $104.78 |
| South Carolina | $936.69 | $78.06 |
| South Dakota | $744.28 | $62.02 |
| Tennessee | $855.56 | $71.30 |
| Texas | $1,066.20 | $88.85 |
| Utah | $852.66 | $71.06 |
| Vermont | $746.79 | $62.23 |
| Virginia | $836.14 | $69.68 |
| Washington | $952.10 | $79.34 |
| West Virginia | $1,032.45 | $86.04 |
| Wisconsin | $716.83 | $59.74 |
| Wyoming | $844.33 | $70.36 |
You will need to compare full coverage vs. liability auto insurance coverage and rates to see which fits your needs and budget best.
Car insurance rates in Florida are not as cheap as in other states in the U.S. This makes it even more important for you to shop around in order to find the best deal on coverage.
How can I make my Florida auto insurance cheaper?
If you’ve decided on the type of policy you want and have narrowed down your search when it comes to the company, one of the best ways to lower your car insurance rates is to find out about discounts.
Some of the most standard discounts available include:
- Multi-policy
- Multi-car
- Vehicle safety
- New car
- Anti-theft devices
- Good driver
- Defensive driver
- Good student
- Pay in full
- Paperless
- Online quote
- Early bird
- Occupational
If you think you may be eligible for these or any other discounts, you can speak to an agent from the company you’re considering to see how much it could save you on your car insurance.
As you shop around for the cheapest coverage in Florida, you can use our free quote tool below to find the best deals in your area.
Compare quotes from the top auto insurance companies and save!
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Laura Walker
Licensed Agent for 10 Years
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...
Licensed Agent for 10 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.