Top 5 Cheapest Auto Insurance Companies in Florida (2025)

1. GEICO

• Average Monthly Premium: $95
• Best for: Low-mileage drivers, military, and good driving records
• Why it’s cheap: Multiple discounts like good student, safe driver, and federal employee

2. State Farm

• Average Monthly Premium: $102
• Best for: Drivers with clean records and bundling needs
• Why it’s cheap: Good driving discounts and affordable liability-only options

3. Direct Auto Insurance

• Average Monthly Premium: $110
• Best for: High-risk drivers and drivers with SR-22 needs
• Why it’s cheap: Offers customizable policies and flexible payment plans

4. Progressive

• Average Monthly Premium: $118
• Best for: Drivers with past claims or DUIs
• Why it’s cheap: Snapshot usage-based program helps lower premiums

5. Liberty Mutual (via comparison websites)

• Average Monthly Premium: $120
• Best for: Drivers who qualify for group or occupational discounts
• Why it’s cheap: Bundling and multi-car discounts available

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Average Auto Insurance Costs in Florida (2025)

Note: Rates vary based on ZIP code, driving history, vehicle type, and credit score.

Ways to Get the Cheapest Auto Insurance in Florida

✅ 1. Compare Multiple Quotes

Use online comparison tools to compare at least 4–5 providers. Rates can vary drastically between companies.

✅ 2. Bundle Your Policies

Combine home, renters, or life insurance with your auto policy to get multi-policy discounts.

✅ 3. Take a Defensive Driving Course

Florida-approved driving courses can lower your premium, especially for seniors and high-risk drivers.

✅ 4. Maintain a Clean Driving Record

Accidents and tickets stay on your record for 3–5 years and can significantly increase rates.

✅ 5. Opt for Usage-Based Insurance

Companies like Progressive and Allstate offer discounts based on your driving behavior through apps.

✅ 6. Increase Your Deductible

A higher deductible on comprehensive and collision coverage can lower your monthly premium.

✅ 7. Drive a Safe, Low-Risk Vehicle

Vehicles with high safety ratings and low theft rates usually cost less to insure.

Cheapest Auto Insurance in Florida for Special Groups

🚗 For Teens & Young Drivers

• Best Choice: GEICO or State Farm (with good student discounts)
• Tip: Stay on your parents’ policy if possible.

🚙 For Seniors (65+)

• Best Choice: AARP/United Insurance (partnered with The Hartford)
• Tip: Ask about senior and defensive driving discounts.

🛻 For High-Risk Drivers

• Best Choice: Direct Auto or Progressive
• Tip: Shop around every 6 months to find better rates as your record improves.

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Minimum Auto Insurance Requirements in Florida (2025)

To legally drive in Florida, you must carry:

• $10,000 in Personal Injury Protection (PIP)
• $10,000 in Property Damage Liability (PDL)

Note: Bodily injury liability is not required in Florida but is recommended for added protection.

FAQs About Cheap Auto Insurance in Florida

Q1: What is the absolute cheapest car insurance in Florida?

A: GEICO and State Farm consistently offer the lowest average monthly rates for drivers with clean records.

Q2: Can I legally drive in Florida with just PIP and PDL?

A: Yes, those are the state minimum requirements. However, adding bodily injury liability is strongly advised.

Q3: How can I get car insurance in Florida with bad credit?

A: Try providers like Direct Auto and Progressive, which specialize in high-risk policies. Shopping around is key.

Q4: Is it cheaper to pay car insurance monthly or annually in Florida?

A: Paying annually is usually cheaper, as many insurers offer discounts for upfront payment.

Q5: Do Florida seniors get discounts on auto insurance?

A: Yes. Many companies offer age-related discounts, especially if you take a defensive driving course.