Best Cheap Car Insurance Companies in Florida by Category

USAA Insurance: Cheap for Good Drivers
Geico Insurance: Cheap for Minimum Coverage
USAA Insurance: Cheap for Drivers with One At-Fault Crash
USAA Insurance: Cheap after a DUI
USAA Insurance: Cheap after a Ticket
USAA Insurance: Cheap for Drivers with Poor Credit

To find the cheapest car insurance companies in Florida for major groups of drivers, WalletHub analyzed quotes from all major insurance companies for several driver profiles.

Cheapest Car Insurance in FL for Good Drivers

USAA Insurance

State Farm Insurance

Allstate Insurance

You’d think that good drivers in Florida would always get the lowest rates, but that’s not always the case. That’s because insurance companies can’t all offer the same low prices, and they consider more than just your driving record when setting rates. In Florida, non-driving factors like your age, credit score, and gender are also taken into consideration when determining how much you pay for coverage. That’s why we analyzed quotes to see which Florida insurance companies have the cheapest rates for good drivers.

Cheapest Car Insurance in FL for Minimum Coverage

Geico Insurance

State Farm Insurance

Metlife Insurance

Florida drivers must have $10,000 in bodily injury liability insurance per person ($20,000 per accident) and $10,000 in property damage liability insurance. You must also carry $10,000 in personal injury protection in the state of Florida. State minimum coverage costs just under $1,200 per year in Florida. WalletHub analyzed quotes from all major insurance companies to help drivers find the cheapest minimum coverage options.

Cheapest Car Insurance in FL for Drivers with One At-Fault Crash

USAA Insurance

State Farm Insurance

Geico Insurance

There were more than 403,000 car accidents in Florida in 2017 alone, resulting in huge economic losses for car insurance companies and drivers. It makes sense that car insurance companies charge drivers with an at-fault accident more for coverage, but that fact makes it all the more important for drivers with an accident or claim on their record to shop around. To help, WalletHub analyzed rates for drivers with one at-fault crash.

Cheapest Car Insurance in FL After a DUI

USAA Insurance

State Farm Insurance

Geico Insurance

Drunk driving is a serious offense in Florida, where state laws mandate 50 hours of community service and fines between $500 and $2,000. And if that wasn’t enough, the cost of car insurance goes up substantially after a DUI conviction. It’s especially important for drivers with a DUI on their record to shop around for the cheapest options, and to make the job of finding affordable coverage easier, WalletHub analyzed quotes for drivers in this category.

Cheapest Car Insurance in FL After a Ticket

USAA Insurance

State Farm Insurance

Allstate Insurance

Florida issues nearly 5 million traffic citations each year, which means there are a lot of Florida residents who need to find affordable coverage after a ticket. Since most companies will raise your rates after a citation, it’s smart to check quotes from a few other companies before you renew your policy. WalletHub analyzed quotes to find the cheapest companies for drivers with a ticket.

Cheapest Car Insurance in FL for Drivers with Poor Credit

USAA Insurance

Geico Insurance

State Farm Insurance

Studies have shown a correlation between a driver’s credit score and the overall cost to insure that driver, so car insurance companies charge people with worse credit higher rates. Florida drivers with bad credit might be paying more than necessary and should be sure to compare quotes from a few different companies to find the lowest prices. To help Florida drivers with poor credit find their cheapest options, WalletHub analyzed quotes for this category. You can also use our free credit score tool to check your latest credit score.

How to Get Cheap Car Insurance in Florida

Compare quotes from both national and regional insurers. Don’t forget to include local insurance companies in your search for cheap car insurance. In Florida, regional insurers might have lower rates than national companies and have comparable customer satisfaction ratings.
Know the factors affecting insurance in Florida. Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in Florida, companies consider your credit history, marital status, annual mileage, and even some factors beyond your control like age and gender to set your premiums.
Maintain coverage. You’ll see higher rates if you let your insurance lapse, even if you don’t own a car. Florida drivers who don’t maintain continuous coverage pay an average of 11% more than those with five or more years of insurance history.
Choose the coverage that is right for you. You need liability insurance to pay for the other driver’s damages if you’re at fault in an accident in Florida. But collision and comprehensive coverage are usually optional and may be unnecessary if you own an older car. Usage-based insurance might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, too. Don’t skimp on the coverage you need, but do make informed choices. That way, you won’t end up paying for more car insurance than you need.
Live in less expensive zip codes. Car insurance prices can vary a lot based on zip code in Florida. On average, drivers in the most expensive parts of Florida spend over $1,600 more per year on car insurance than those living in the least expensive areas.
Search for discounts. Top car insurance companies in Florida have a variety of discounts, so almost anyone can find ways to save. You may be able to get a discount if you’re a student, veteran, good driver, homeowner, willing to go paperless, and more.

Methodology

WalletHub examined quotes from all major car insurance companies for several driver profiles, using multiple sources. By getting quotes for multiple driver profiles, WalletHub ensured a diverse sample. Below you can find the categories we considered and the values for each. Quotes were not collected for all the permutations between these categories/values.

Category	Values
Gender	Men, Women
Age	18, 25, 35, 40, 50, 60
Marital Status	Single, Married
Family	No children, One teenage child (driving age)
Driving Record	No violations, One at-fault accident, One ticket
Car	Toyota Camry or comparable sedan
Credit History	Good credit, Poor credit