Cheapest Auto Insurance in Florida
Based on our analysis of the data from Bankrate.com, State Farm and Geico generally offer the lowest average premiums in Florida .
| Provider | Average Annual Full Coverage Premium* | Average Annual Minimum Coverage Premium* |
| State Farm | $1,739 | $842 |
| Geico | $2,085 | $841 |
| Allstate | $2,441 | $1,138 |
| Progressive | $2,573 | $1,356 |
| Direct General | $2,766 | $1,379 |
*Data provided by Bankrate.com
Cheap Car Insurance in Florida by City
In Florida, the cities with the cheapest wide coverage premiums are Santa Rosa Beach, Freeport, and Defuniak Springs. Where you live matters because one divisor insurers review when determining your indemnity premium is localization. urban areas are known to have higher rates of accidents, larceny, and vandalism compared to rural areas or small towns. This means that you could be stuck paying a higher bounty if you live in an urban area .
30 cities with the cheapest insurance in Florida
| City | Average Annual Full Coverage Premium* | Average Annual Minimum Coverage Premium* |
| Santa Rosa Beach | $1,752 | $726 |
| Freeport | $1,757 | $726 |
| Defuniak Springs | $1,770 | $725 |
| De Funiak Springs | $1,770 | $725 |
| Alachua | $1,775 | $796 |
| Newberry | $1,779 | $796 |
| Ponce de Leon | $1,781 | $707 |
| Gainesville | $1,782 | $800 |
| Micanopy | $1,785 | $798 |
| Waldo | $1,790 | $795 |
| Archer | $1,791 | $798 |
| Miramar Beach | $1,801 | $760 |
| Vernon | $1,813 | $711 |
| Chipley | $1,824 | $710 |
| Caryville | $1,824 | $710 |
| Hawthorne | $1,833 | $812 |
| Port St. Joe | $1,842 | $736 |
| High Springs | $1,844 | $797 |
| Malone | $1,848 | $709 |
| Bascom | $1,849 | $710 |
| Greenwood | $1,851 | $709 |
| Graceville | $1,852 | $710 |
| Campbellton | $1,852 | $711 |
| Westville | $1,852 | $710 |
| Marianna | $1,852 | $709 |
| Alford | $1,854 | $711 |
| Sneads | $1,859 | $710 |
| Grand Ridge | $1,859 | $710 |
| Bonifay | $1,860 | $710 |
| Cottondale | $1,863 | $710 |
*Data provided by Bankrate.com
Cheapest Car Insurance Rates in Florida With a Prior Accident
Bankrate ’ mho data shows that the cheap car policy after an accident in Florida is State Farm, followed by Geico and Allstate. The companies with the lowest percentage increases are Geico and Allstate. In accession to location, insurers will besides review your drive record when making a decision about your rate. A good drive record is one detached of accidents, then if you have one accident on your phonograph record, you can expect a higher premium. Average Annual Full Coverage Premiums Before and After an Accident
| Provider | No Accident* | 1 Accident* | Difference |
| State Farm | $1,739 | $2,512 | 44% |
| Geico | $2,085 | $2,888 | 39% |
| Allstate | $2,441 | $3,393 | 39% |
| Progressive | $2,573 | $3,955 | 54% |
| Direct General | $2,766 | $4,798 | 73% |
*Data provided by Bankrate.com
Average Auto Insurance Premiums in Florida by Credit Score
Your citation grudge can besides affect your car policy agio. Since this three-digit total gives insurers insight into your fiscal responsibility, it is an authoritative and necessary part of information. If you have a thoroughly credit score, that will help you get a lower premium, while bad credit will likely get you a higher premium.
According to Bankrate, the average cost for broad coverage car indemnity in Florida is $ 2,364 per class. That rate assumes a “ adept ” accredit tier. If you have poor credit, though, the average annual full moon coverage premium is $ 5,817, 146 % higher than the rate for adept credit .
Florida Car Insurance FAQs
Who has the cheapest auto insurance in Florida?
Compared to early insurers, both State Farm and Geico have the brassy car insurance in Florida when purchasing state minimum coverage or full coverage, according to 2021 data from Bankrate.com. Remember that rates vary based on a issue of factors, so your premiums could be different .
What is the average cost for car insurance in Florida?
Florida has one of the highest average car insurance costs in the U.S. The average cost of full coverage car indemnity in Florida is $ 2,364 per year, while the average cost for state minimal liability coverage is $ 1,101 per year, according to Bankrate.com ’ randomness 2021 data .
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on like metrics. For the best car policy companies, our editorial team compared affordability, customer support, coverage options, customer gratification scores and on-line resources from each company to determine clear providers. As for average price, we used Bankrate.com ’ s data of cable car policy in Georgia, based on the profiles of a 40-year male and female. For full coverage, the details used were the keep up :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimum coverage that meets each state ’ randomness requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes. Credit-Based Insurance Scores: Rates were calculated based on the following policy credit tiers assigned to our drivers : “ poor people, average, adept ( base ) and excellent. ” Insurance credit tiers factor in your official citation scores but are not dependent on that varying entirely. Four states prohibit the use of credit-based policy scores as a rat factor in determining car insurance rates : California, Hawaii, Massachusetts and Michigan. Incidents: Rates were calculated by evaluating our floor profile with the follow incidents applied : clean read ( floor ), at-fault accident .