The Cheapest Car Insurance in Florida for 2022 – NerdWallet
The Cheapest Car Insurance in Florida for 2022 – NerdWallet

The Cheapest Car Insurance in Florida for 2022 – NerdWallet

Contents

You ’ ll need car insurance to confidently navigate Florida ’ sulfur highways, particularly considering that an estimate 1 in every 5 drivers doesn ’ triiodothyronine have car policy, according to 2019 data from the Insurance Research Council. But finding bum car indemnity in the Sunshine State international relations and security network ’ thyroxine always easy. The average monetary value of entire coverage in Florida is the irregular highest in the area, according to NerdWallet ’ sulfur analysis. The best way to get low-cost car policy is by comparing multiple car insurance quotes from a variety of insurers, and we ’ ve already done the intemperate knead of narrowing down the brassy companies for a diverseness of ages and driving histories. Read on to see the cheapest car insurance in Florida by old age and driving history, plus the state-mandated minimum requirements. If you ’ rhenium looking for the best car coverage, check out our list of the best car insurance in Florida. Why you can trust NerdWallet : Our writers and editors follow rigorous column guidelines to ensure fairness and accuracy in our writing and datum analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every venue in the state where coverage is offered and data is available. When comparing rates for unlike coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each gene affects pricing.

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Cheapest cable car insurance party overall in Florida
state grow $ 164/month

5.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple datum points for each fiscal product and service . NerdWallet evaluation

Cheapest for minimal coverage
Geico $ 60/month

4.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple datum points for each fiscal product and service . NerdWallet evaluation

Cheapest for young drivers
state farm $ 289/month

5.0 NerdWallet ‘s ratings are determined by our column team. The scoring formulas take into account multiple datum points for each fiscal product and service . NerdWallet rat

Cheapest for drivers with poor credit
submit grow $ 164/month

5.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple datum points for each fiscal product and overhaul . NerdWallet rat

If you ’ rhenium looking for the cheapest cable car policy in your city, NerdWallet analyzed rates for some of the largest Florida cities, including :

How much is car insurance in Florida?

The average cost of entire coverage car indemnity in Florida is $ 2,780 per year, or about $ 232 per calendar month, according to NerdWallet ’ second analysis. minimum coverage in Florida is $ 1,084 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Florida at $ 717 per year, on average, for minimum coverage cable car insurance for a 35-year-old driver with a clean drive record.

How we chose the cheapest companies in Florida

NerdWallet ’ s column team analyzed car insurance rates from six car insurers in Florida and found the five cheapest options for drivers in respective age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Florida. For wide coverage, we used the below coverage limits :

  • $ 100,000 bodily wound indebtedness per person .
  • $ 300,000 bodily injury liability per accident .
  • $ 50,000 property damage liability per accident .
  • $ 100,000 uninsured motorist coverage per person .
  • $ 300,000 uninsured motorist coverage per accident .
  • Collision coverage with a $ 1,000 deductible .
  • comprehensive coverage with a $ 1,000 deductible .

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a fortune of quotes to find the best brassy car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. silent, some companies routinely have better insurance rates for young drivers, so it ‘s best to shop around to find them.

Cheapest full coverage car insurance in Florida for 20-year-olds

Drivers in Florida with clean driving records may want to consider the following companies, which had the lowest average rates :

  1. state farm : $ 3,471 per year, or about $ 289 per month .
  2. Geico : $ 3,927 per year, or about $ 327 per month .
  3. Allstate : $ 4,205 per year, or about $ 350 per month .
  4. MetLife : $ 5,416 per year, or about $ 451 per month .
  5. direct Auto : $ 5,998 per year, or about $ 500 per calendar month .

Cheapest minimum coverage car insurance in Florida for 20-year-olds

Drivers in Florida who want just the state minimum coverage may want to check with these companies, which had the lowest modal rates :

  1. Geico : $ 1,274 per year, or about $ 106 per month .
  2. Allstate : $ 1,338 per year, or about $ 112 per month .
  3. country farm : $ 1,490 per year, or about $ 124 per month .
  4. direct Auto : $ 2,233 per year, or about $ 186 per month .
  5. MetLife : $ 2,354 per year, or about $ 196 per month .

Cheapest auto insurance in Florida for 20-year-olds with poor credit

Drivers with poor credit in Florida should look at the following insurers with the lowest average rates for minimal coverage :

  1. direct Auto : $ 2,280 per class, or about $ 190 per month .
  2. Allstate : $ 2,391 per year, or about $ 199 per month .
  3. Geico : $ 2,482 per year, or about $ 207 per month .
  4. state farm : $ 3,251 per year, or about $ 271 per calendar month .
  5. liberal : $ 4,005 per year, or about $ 334 per calendar month .

Cheapest auto insurance in Florida for 20-year-old drivers with one at-fault crash

For drivers with a late accident in Florida, here are the companies with the lowest average rates for minimal coverage :

  1. Geico : $ 1,435 per class, or about $ 120 per month .
  2. state farm : $ 2,215 per year, or about $ 185 per month .
  3. Allstate : $ 2,224 per year, or about $ 185 per month .
  4. direct Auto : $ 2,690 per year, or about $ 224 per calendar month .
  5. MetLife : $ 3,306 per class, or about $ 276 per month .

Cheapest auto insurance in Florida for 20-year-old drivers after a DUI

The cheapest car insurance we found after a DUI is shown here, alongside the insurers ‘ average rates for minimum coverage .

  1. Geico : $ 1,661 per year, or about $ 138 per month .
  2. Allstate : $ 1,752 per class, or about $ 146 per month .
  3. lineal Auto : $ 2,455 per class, or about $ 205 per month .
  4. state farm : $ 2,694 per year, or about $ 224 per month .
  5. progressive : $ 3,117 per year, or about $ 260 per calendar month .

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Cheapest for 30-year-old drivers

By the clock time they reach their 30s, most drivers will enjoy cheaper car indemnity rates than in their teens and 20s. still, factors like a person ’ sulfur drive record and car induce and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car indemnity discounts.

Cheapest full coverage car insurance in Florida for 30-year-olds

Drivers in Florida with clean drive records may get the lowest rates from these companies :

  1. state farm : $ 1,993 per class, or about $ 166 per month .
  2. Geico : $ 2,206 per year, or about $ 184 per calendar month .
  3. Allstate : $ 2,680 per class, or about $ 223 per month .
  4. MetLife : $ 2,957 per year, or about $ 246 per month .
  5. progressive : $ 3,436 per year, or about $ 286 per month .

Cheapest minimum coverage car insurance in Florida for 30-year-olds

Drivers in Florida who want their state ‘s minimum coverage can check with the following companies, which had the lowest average rates :

  1. Geico : $ 766 per year, or about $ 64 per calendar month .
  2. state of matter farm : $ 800 per year, or about $ 67 per calendar month .
  3. Allstate : $ 951 per class, or about $ 79 per calendar month .
  4. MetLife : $ 1,207 per class, or about $ 101 per calendar month .
  5. direct Auto : $ 1,338 per year, or about $ 112 per calendar month .

Cheapest auto insurance in Florida for 30-year-olds with poor credit

Drivers with poor credit rating in Florida should consider the following companies with the lowest average rates for full coverage :

  1. state farm : $ 3,499 per year, or about $ 292 per month .
  2. address Auto : $ 3,939 per year, or about $ 328 per calendar month .
  3. Geico : $ 3,945 per class, or about $ 329 per calendar month .
  4. Allstate : $ 4,942 per year, or about $ 412 per month .
  5. progressive : $ 5,590 per class, or about $ 466 per calendar month .

Cheapest auto insurance in Florida for 30-year-old drivers with one at-fault crash

For drivers in Florida with a recent accident, here are the lowest median rate options for wide coverage :

  1. state of matter grow : $ 2,603 per year, or about $ 217 per calendar month .
  2. Geico : $ 2,814 per year, or about $ 234 per month .
  3. Allstate : $ 4,084 per year, or about $ 340 per month .
  4. MetLife : $ 4,571 per year, or about $ 381 per calendar month .
  5. steer Auto : $ 5,041 per year, or about $ 420 per month .

Cheapest auto insurance in Florida for 30-year-old drivers after a DUI

For the cheapest car insurance after a DUI, we found the comply options for full coverage .

  1. Geico : $ 2,943 per year, or about $ 245 per calendar month .
  2. state farm : $ 2,990 per year, or about $ 249 per month .
  3. Allstate : $ 3,418 per class, or about $ 285 per calendar month .
  4. progressive : $ 4,074 per class, or about $ 340 per month .
  5. direct Auto : $ 4,099 per class, or about $ 342 per month .

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better indemnity rates than their younger counterparts on median, but still pay more than older old age groups. Shopping around for cheap cable car insurance quotes with multiple insurers is the best way to find lower rates. good drivers who don ’ t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Florida for 40-year-olds

Drivers in Florida with clean drive records may want to think about the take after companies, which had the lowest average rates :

  1. state farm : $ 1,956 per year, or about $ 163 per month .
  2. Geico : $ 2,017 per year, or about $ 168 per month .
  3. Allstate : $ 2,677 per year, or about $ 223 per calendar month .
  4. MetLife : $ 2,738 per year, or about $ 228 per month.
  5. liberal : $ 3,378 per year, or about $ 282 per calendar month .

Cheapest minimum coverage car insurance in Florida for 40-year-olds

Drivers in Florida who want just the minimal coverage may want to check prices from these companies, which had the lowest average rates :

  1. Geico : $ 704 per year, or about $ 59 per month .
  2. department of state grow : $ 784 per year, or about $ 65 per month .
  3. Allstate : $ 949 per class, or about $ 79 per month .
  4. MetLife : $ 1,129 per year, or about $ 94 per calendar month .
  5. direct Auto : $ 1,231 per class, or about $ 103 per month .

Cheapest auto insurance in Florida for 40-year-olds with poor credit

Drivers with poor accredit in Florida can check out the following insurers with the lowest average rates for full coverage :

  1. state farm : $ 3,433 per class, or about $ 286 per calendar month .
  2. steer Auto : $ 3,533 per year, or about $ 294 per month .
  3. Geico : $ 3,559 per year, or about $ 297 per month .
  4. Allstate : $ 4,938 per year, or about $ 412 per month .
  5. MetLife : $ 5,327 per year, or about $ 444 per calendar month .

Cheapest auto insurance in Florida for 40-year-old drivers with one at-fault crash

For drivers with a late accident survive in Florida, hera are the companies with the lowest average rates for full coverage :

  1. state of matter grow : $ 2,553 per year, or about $ 213 per month .
  2. Geico : $ 2,636 per year, or about $ 220 per calendar month .
  3. Allstate : $ 4,082 per year, or about $ 340 per month .
  4. MetLife : $ 4,273 per year, or about $ 356 per month .
  5. lead Auto : $ 4,498 per year, or about $ 375 per month .

Cheapest auto insurance in Florida for 40-year-old drivers after a DUI

The cheapest wax coverage car policy we found for drivers with a DUI came from the following companies .

  1. Geico : $ 2,749 per class, or about $ 229 per month .
  2. state farm : $ 2,932 per class, or about $ 244 per month .
  3. Allstate : $ 3,416 per year, or about $ 285 per month .
  4. direct Auto : $ 3,659 per year, or about $ 305 per month .
  5. progressive : $ 3,982 per year, or about $ 332 per month .

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other senesce groups on modal. Prices will continue to drop as they inch toward their 60s and gain more drive experience. Rates can still vary depending on other factors such as a driver ’ second gender and placement, so it ’ s smart to shop around to find the best rate. Our list of cheap car insurance companies is a commodity locate to start.

Cheapest full coverage car insurance in Florida for 50-year-olds

Drivers in Florida with clean drive records may want to get quotes from these insurers, which had the lowest median rates :

  1. country farm : $ 1,901 per year, or about $ 158 per month .
  2. Geico : $ 1,957 per class, or about $ 163 per calendar month .
  3. MetLife : $ 2,537 per class, or about $ 211 per calendar month .
  4. Allstate : $ 2,571 per year, or about $ 214 per calendar month .
  5. progressive : $ 3,098 per year, or about $ 258 per calendar month .

Cheapest minimum coverage car insurance in Florida for 50-year-olds

Drivers in Florida who opt for the state of matter minimal coverage may want to consider the follow companies, with the lowest average rates :

  1. Geico : $ 674 per year, or about $ 56 per calendar month .
  2. country farm : $ 757 per year, or about $ 63 per month .
  3. Allstate : $ 906 per year, or about $ 76 per month .
  4. MetLife : $ 1,039 per year, or about $ 87 per calendar month .
  5. direct Auto : $ 1,167 per year, or about $ 97 per month .

Cheapest auto insurance in Florida for 50-year-olds with poor credit

Drivers with hapless credit in Florida can check with the following companies, which showed the lowest average rates for full coverage :

  1. state farm : $ 3,327 per year, or about $ 277 per month .
  2. aim Auto : $ 3,413 per year, or about $ 284 per month .
  3. Geico : $ 3,446 per year, or about $ 287 per calendar month .
  4. Allstate : $ 4,751 per year, or about $ 396 per month .
  5. MetLife : $ 4,953 per year, or about $ 413 per month .

Cheapest auto insurance in Florida for 50-year-old drivers with one at-fault crash

For drivers living in Florida with a recent accident, here are the insurers with the lowest average full coverage rates :

  1. state farm : $ 2,478 per year, or about $ 206 per calendar month .
  2. Geico : $ 2,555 per year, or about $ 213 per month .
  3. Allstate : $ 3,914 per year, or about $ 326 per month .
  4. MetLife : $ 4,015 per year, or about $ 335 per month .
  5. lead Auto : $ 4,396 per year, or about $ 366 per calendar month .

Cheapest auto insurance in Florida for 50-year-old drivers after a DUI

The cheapest car policy we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage .

  1. Geico : $ 2,661 per class, or about $ 222 per month .
  2. country grow : $ 2,844 per year, or about $ 237 per calendar month .
  3. Allstate : $ 3,278 per year, or about $ 273 per month .
  4. aim Auto : $ 3,540 per year, or about $ 295 per calendar month .
  5. progressive : $ 3,653 per year, or about $ 304 per calendar month .

See what you could save on car insurance

easily compare personalized rates to see how much trade car indemnity could save you.

ZIP Code

GET MY RATES Get started on Insure.com

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car policy rates than many early age groups on average, prices will start increasing as they get older. To find cheap car indemnity for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should besides take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Florida for 60-year-olds

Drivers in Florida with clean drive records may want to think about getting quotes from these companies, which had the lowest average rates :

  1. express grow : $ 1,833 per class, or about $ 153 per calendar month .
  2. Geico : $ 1,873 per year, or about $ 156 per month .
  3. Allstate : $ 2,471 per year, or about $ 206 per month .
  4. MetLife : $ 2,552 per year, or about $ 213 per calendar month .
  5. progressive : $ 2,984 per year, or about $ 249 per month .

Cheapest minimum coverage car insurance in Florida for 60-year-olds

Drivers in Florida who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates :

  1. Geico : $ 640 per year, or about $ 53 per calendar month .
  2. state farm : $ 729 per class, or about $ 61 per calendar month .
  3. Allstate : $ 865 per class, or about $ 72 per calendar month .
  4. MetLife : $ 1,036 per class, or about $ 86 per month .
  5. direct Auto : $ 1,138 per year, or about $ 95 per month .

Cheapest auto insurance in Florida for 60-year-olds with poor credit

Drivers with poor recognition in Florida can look at the following companies with the lowest average rates for wax coverage :

  1. state farm : $ 3,191 per year, or about $ 266 per calendar month .
  2. Geico : $ 3,298 per year, or about $ 275 per month .
  3. direct Auto : $ 3,358 per class, or about $ 280 per month .
  4. Allstate : $ 4,544 per class, or about $ 379 per month .
  5. progressive : $ 4,827 per year, or about $ 402 per month .

Cheapest auto insurance in Florida for 60-year-old drivers with one at-fault crash

For drivers with a recent accident populate in Florida, hera are the companies with the lowest average rates for wax coverage :

  1. state farm : $ 2,383 per year, or about $ 199 per month .
  2. Geico : $ 2,454 per year, or about $ 204 per month .
  3. Allstate : $ 3,765 per class, or about $ 314 per calendar month .
  4. MetLife : $ 4,018 per year, or about $ 335 per month .
  5. calculate Auto : $ 4,325 per year, or about $ 360 per month .

Cheapest auto insurance in Florida for 60-year-old drivers after a DUI

The cheapest car indemnity we found after a DUI came from the following companies, shown with their average rates for broad coverage .

  1. Geico : $ 2,549 per year, or about $ 212 per calendar month .
  2. state farm : $ 2,731 per year, or about $ 228 per calendar month .
  3. Allstate : $ 3,159 per year, or about $ 263 per month .
  4. directly Auto : $ 3,483 per year, or about $ 290 per month .
  5. progressive : $ 3,530 per year, or about $ 294 per calendar month .

Minimum car insurance requirements in Florida

Floridians must carry property damage indebtedness and personal injury protective covering ( PIP ) in the follow amounts :

  • $ 10,000 property damage liability per accident .
  • $ 10,000 personal wound protection .

In case you ’ re at blame in a crash, the Florida Financial Responsibility Law besides requires you to be able to pay up to :

  • $ 10,000 in bodily injury liability per person .
  • $ 20,000 in bodily wound liability per accident .

liability cable car insurance covers the cost of any damage, injuries or deaths you cause in a cable car accident, astir to your policy ’ mho predefined limits. personal injury auspices will cover your checkup bills and expenses if you ’ re injured in a car crash, up to your policy limits, no topic whose mistake it was. Depending on your department of state, PIP may besides pay for :

  • Lost wages if you ’ re ineffective to work ascribable to injuries from an accident .
  • Services you can no longer perform, like house clean or child care, because of your injuries .
  • funeral costs if an accident-related injury leads to death .
  • A small death benefit as a cash payout .

Experts recommend buying more than the unsheathed minimal when it comes to all parts of your car liability policy. You might want add protection from optional coverages such as collision, comprehensive and uninsured motorist insurance. Check out NerdWallet ’ s usher to car insurance requirements by submit for more details on coverage you might want on your Florida car policy.

SR-22, FR-44 and alternative auto insurance in Florida

Drivers convicted of certain offenses may be required to get an SR-22 filed by their policy company with the express of Florida. There ’ south no such thing as “ SR-22 insurance ” ; alternatively, an SR-22 is a shape certifying you have current car indemnity coverage in complaisance with Florida law. An SR-22 might be required if you :

  • Got in an accident without indemnity .
  • Had your license suspended ascribable to excessively many points or another reason .
  • Have severe and recent traffic violations on criminal record .

And if you get caught driving while intoxicated or under the influence of drugs in Florida, another form, an FR-44, may be required rather. Again, “ FR-44 insurance ” international relations and security network ’ t actually a type of insurance. Rather, an car insurance company must file an FR-44 certificate on behalf of person convicted of a DUI or alike offenses. Compared with an SR-22, an FR-44 comes with extra liability policy requirements. alternatively of the relatively low indebtedness limits listed above, you ’ five hundred need at least :

  • $ 100,000 for injury to or end of one person .
  • $ 300,000 for injury to or death of two or more people .
  • $ 50,000 for property wrong indebtedness .

Sunshine State drivers who ’ ve been denied car indemnity because of a spotty driving history or other factors can apply for coverage through the Florida Automobile Joint Underwriting Association. For more avail finding bum car policy in Florida, try NerdWallet ’ south car insurance comparison cock.

No-fault insurance in Florida

Florida is one of several states that has a no-fault car insurance system, but it ’ mho one of only two that doesn ’ metric ton require any bodily injury liability coverage. In most states, drivers who are injured in a car accident caused by person else will seek reimbursement from the at-fault motorist ’ second policy company. The claim and payout come from that person ’ s bodily injury indebtedness coverage. Under Florida ’ s no-fault codified, all parties involved in a crash first base make injury claims to their own PIP coverage and payouts are capped at 80 % of the bills. ( More on that under ). If injuries from the accident are considered “ serious ” under Florida law, the at-fault driver ’ s bodily wound indebtedness pays for extra costs. serious injuries include at least one of the follow :

  • significant defacement .
  • Bone fracture .
  • permanent restriction of a body organ or member .
  • significant limitation of a body function or system .
  • well fully disability for 90 days .

Injuries that meet this definition are grounds for a lawsuit in Florida. Drivers with bodily injury coverage can use it to pay for legal fees ampere well as the injured person ’ s medical costs, but anyone with only the minimum ask coverage — that is, no bodily wound coverage — would have to pay out-of-pocket if they were at defect. To complicate things further, drivers can besides be partially at fault for a crash. Florida has a “ relative fault ” legislative act, meaning that two drivers can parcel duty for an incident. In a lawsuit, a jury could assign 30 % of the responsibility to the injured driver, who would then be entitled to only 70 % of the sum damages from the other driver. indemnity companies don ’ metric ton fair absorb those costs. As in many states that require personal injury security coverage, drivers in Florida tend to pay more for car policy, on median, compared with those in non-PIP states.

How PIP works in Florida

Drivers in Florida are required to carry at least $ 10,000 of PIP, which is besides called Florida no-fault indemnity. In summation to medical bills, no-fault policy in Florida can besides pay :

  • Lost wages if crash-related injuries force you to miss work .
  • The cost of hiring in-home manage if you need help due to injuries .
  • The monetary value of equipment you need while recovering, such as a wheelchair.
  • funeral costs .

PIP fraud can be coarse in no-fault states, including Florida, where staged accidents and unscrupulous medical providers can drive up the cost of insurance, specifically PIP. Because of this, a no-fault indemnity law was enacted in 2015. It requires people injured in a crash to see a checkup professional within 14 days of the incident to make a PIP claim. It besides limits payouts to 80 % of “ reasonable ” checkup expenses as outlined in the codified. note that PIP will besides cover your passengers ’ injuries, but it doesn ’ metric ton cover price to your car. You go through the at-fault driver ’ s policy for vehicle repairs or through your own collision coverage if you were creditworthy .

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