Auto insurance in Florida averages $3,183/year per year, but rates vary widely by city and driving record. Compare free quotes from top insurers serving Miami, Orlando, Tampa and all of Florida β no personal info required to browse.
| Insurer | Avg. Annual Rate | Best For | AM Best Rating | Available in FL |
|---|---|---|---|---|
| π GEICO Lowest Rates | ~$1,200/yr | Budget drivers | A++ | β Yes |
| State Farm | ~$1,480/yr | Good drivers | A++ | β Yes |
| β Progressive High-Risk Drivers | ~$1,610/yr | SR-22 / DUI | A+ | β Yes |
| Allstate | ~$1,900/yr | Full coverage | A+ | β Yes |
| USAA | ~$1,100/yr | Military families | A++ | β Yes |
| Travelers | ~$1,350/yr | Multi-policy | A++ | β Yes |
Florida is a no-fault state requiring $10K PIP and $10K PDL minimum.
We analyze APR, fees, loan amounts, and availability specifically for Florida residents. All comparisons are updated monthly.
Browsing and comparing options on TrueRateGuide does not impact your credit score. We use soft pulls only during pre-qualification.
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Our Florida data is refreshed every month to reflect current rates, offers, and lender availability in your state.
The average cost of auto insurance in Florida is $3,183/year. Rates vary based on your city, driving record, vehicle, and coverage level. Urban areas like Miami tend to have higher rates.
Florida is a no-fault state requiring $10K PIP and $10K PDL minimum.
In Florida, you can lower your auto insurance rate by bundling with home insurance (saves 10β25%), maintaining a clean driving record, raising your deductible, and comparing quotes from multiple insurers annually.
Florida is a no-fault state requiring $10K PIP and $10K PDL minimum. Comparing quotes from multiple insurers is the best way to ensure you get the required coverage at the lowest price.