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Shannon Martin
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Natasha Cornelius, CLU
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Mark Friedlander
Reviewed by
Natasha Cornelius, CLUEdited by
Mark FriedlanderReviewed by
Updated Jun 01, 2024
Bankrate's analysis of the best car insurance in Florida shows that Geico, Progressive, State Farm and Allstate stand out from the crowd.
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On this page
Bankrate’s insurance editorial team, which includes licensed agents with real-world industry experience, is here to help you find the best car insurance in Florida. Based on our exhaustive study, the best companies in the state include:
- State Farm
- Geico
- Progressive
- Allstate
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On This Page
On This Page
- Best car insurance companies in Florida
- How to find the best car insurance in Florida
- How much is car insurance in Florida?
- Estimate your car insurance cost
- Frequently asked questions
- Methodology
Best car insurance companies in Florida
Florida drivers pay a high average premium rate for their auto insurance. According to data sourced from Quadrant Information Services, the average cost for insurance in the Sunshine State is $1,094 for state-mandated minimum coverage, while full coverage, which includes collision and comprehensive insurance, costs an average of $3,467. This is considerably higher than the national averages of $640 and $2,311 and places Florida as one of the most expensive states for car insurance, along with New York and Louisiana. Multiple factors impact these average rates, including the increasingly common severe weather patterns in the state, as well as the high numbers of uninsured motorists. Because of these factors, some insurers will not write policies for Florida drivers.
Bankrate’s insurance editorial team understands that while affordable premiums are essential, they aren’t the only consideration when looking for the best car insurance policy. As such, we also review third-party scores issued in the J.D. Power 2023 U.S. Auto Insurance Study, along with coverage options, mobile accessibility and more, and factor these and other data points into our proprietary Bankrate Score, which has a possible total of 5.0 points. Based on our findings, State Farm, Geico, Progressive and Allstate offer some of the best car insurance in Florida.
| Insurance company | Bankrate score Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. | Average full coverage rate | Average min coverage rate |
|---|---|---|---|
Geico | 4.4 Rating: 4.4 stars out of 5 | $2,969 | $937 |
Progressive | 4.4 Rating: 4.4 stars out of 5 | $2,792 | $1,279 |
State Farm | 4.3 Rating: 4.3 stars out of 5 | $2,993 | $981 |
Allstate | 3.9 Rating: 3.9 stars out of 5 | $3,868 | $1,104 |
Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
Rates refreshed as of Jun 2024
Read our full methodology
Geico
4.4
4.4
Rating: 4.4 stars out of 5 Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings. Bankrate Score
Read Geico reviewGet a custom quote
Avg. full coverage premium
$247/mo
Avg. full coverage premium
$2,969/yr
Customer satisfaction
812/1,000
Why Geico made our list: Geico might be the best car insurance in Florida for drivers who value simple digital tools and self-service options over working with an agent in person. With a highly-rated mobile app and a full-service website, policyholders can make policy changes and payments and file claims online, usually without agent intervention. Geico also offers some of the cheapest average premiums in Florida for minimum coverage policies and plenty of discount opportunities, which could be enticing for budget-conscious drivers.
Who Geico may be good for:Geico may be good for drivers who are looking for self-service options like a mobile app and online policy portal. The company has few local offices, so it may not be the best choice for those looking for the personalized experience of a local agent.
Pros
- Above-average J.D. Power customer satisfaction score in the Florida region
- Low average rates and lots of discount opportunities
Cons
- Limited local agencies for those who want in-person support
- Not as many endorsem*nt options as some competitors
Robust digital tools
Long list of potential discounts
Nationwide availability
DriveEasy telematics program
Offers coverage to drive in Mexico
Progressive
4.4
4.4
Rating: 4.4 stars out of 5 Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings. Bankrate Score
Read Progressive reviewGet a custom quote
Avg. full coverage premium
$233/mo
Avg. full coverage premium
$2,792/yr
Customer satisfaction
801/1,000
Why Progressive made our list:Although Progressive may not be the cheapest company on our list, its benefits may outweigh the cost. The company provides numerous digital tools that could make your search for the best auto insurance in Florida faster and easier. Its Name Your Price tool populates coverage options based on your budget, and you can even compare rates from different companies right from Progressive’s website. This may be one of the reasons why Progressive earned an above-average ranking in theJ.D. Power 2023 U.S. Insurance Digital Experience Studyin the shopping category. The national carrier also offers itsSnapshot telematics program, which provides customers with opportunities to save on premiums based on their driving habits.
Who Progressive may be good for: Because of its Name Your Price tool, Progressive may be good for drivers who aren't as familiar with insurance coverage options or want a quick purchasing experience. Additionally, the company makes comparing online car insurance quotes easy by showing competitors' rates on their site.
Pros
- Name Your Price tool makes shopping for new insurance quick and easy
- Several coverage options to customize your policy
Cons
- Rates can differ between quote from Progressive Direct vs through Progressive agency policies
- Higher-than-baseline amount of complaints according to the National Association of Insurance Commissioners (NAIC)
Name Your Price tool
Options to customize
Teen driver discount
Snapshot telematics program
Strong digital tools
State Farm
4.3
4.3
Rating: 4.3 stars out of 5 Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings. Bankrate Score
Read State Farm reviewGet a custom quote
Avg. full coverage premium
$249/mo
Avg. full coverage premium
$2,993/yr
Customer satisfaction
833/1,000
Why State Farm made our list:If you're looking for thecheapest car insurance in Florida, State Farm might be an excellent place to start. In addition to the state's low average full coverage premiums, this carrier also offers numerous potential discounts that could help you save even more. Parents with young drivers may especially be interested in this company due to itsSteer Clear program. This discount can help offset the higher premiums younger drivers tend to pay and might help instill safe driving habits.
Who State Farm may be good for: State Farm may be good for drivers on a budget. Additionally, those who prefer to do business in person might consider State Farm as their company of choice since this carrier has hundreds of agencies located across the Sunshine State.
Pros
- Full-service online policy portal and mobile app, in addition to plentiful local agencies
- Highest official customer satisfaction score from J.D. Power in Florida
Cons
- Accident forgiveness is not available for purchase
- No gap insurance
Steer Clear program for young drivers
Low average premium rates
Many Florida offices
Robust digital tools
Good driver discount
Allstate
3.9
3.9
Rating: 3.9 stars out of 5 Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings. Bankrate Score
Read Allstate reviewGet a custom quote
Avg. full coverage premium
$322/mo
Avg. full coverage premium
$3,868/yr
Customer satisfaction
821/1,000
Why Allstate made our list:Allstate ranked highly in J.D. Power's customer satisfaction study and in the2023 U.S. Auto Claims Satisfaction Study. Although Allstate may be one of the more expensive insurance companies on this list on average, you might be able to bring your base premium down by signing upDrivewise, the company’s telematics program. The carrier also offers an enticing Deductible Rewards program, which lowers your collision deductible for each year of safe driving.
Who Allstate may be good for: Allstate may be a good option for Florida drivers who prioritize customer service over cheap premiums. The company’s strong J.D. Power scores in both overall customer satisfaction and claims satisfaction could indicate that generally speaking, Allstate policyholders are happy with the service the company provides.
Pros
- High customer satisfaction for Florida drivers, according to J.D. Power scores
- Less-than-ideal driving habits will not cause your premium to increase with Allstate’s Drivewise telematics program
Cons
- Higher-than-average premiums in Florida
- Scored below the segment average in the J.D. Power 2023 U.S. Insurance Digital Experience Study for both service and shopping
Highly-ranked customer service
Drivewise telematics program
Diverse coverage options
Deductible Rewards
Pay-per-mile coverage available
How Bankrate chose the best car insurance companies in Florida
To find the best auto insurance in Florida, we began by reviewing 2024 quoted annual premiums from Quadrant Information Services for the largest car insurance companies by market share in the state. Because price is just one factor when shopping for car insurance, we also considered coverage options, discounts, digital assets and third-party ratings from J.D. Power and AM Best.
We compiled these factors into a Bankrate Score, which uses a scale of 0.0-5.0. The higher a company’s Bankrate Score, the higher that company ranked in each category. By combining numerous facets of each carrier into a single Score, we aim to make your research for car insurance companies more manageable.
Why you can trust Bankrate
To help Florida drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
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How to find the best car insurance in Florida
Many drivers likely want to be covered under the best Florida car insurance company they can find. Since every driver’s needs are different and can depend on factors like vehicle type and coverage requirements, finding the best carrier largely depends on what aspects of auto insurance you choose to prioritize. However, you can take some steps to help you in your search.
New
- Farmers Insurance and AAA Insurance both announced in 2023 that they were pulling away from the Florida market. Violent weather patterns, fraudulent insurance claims and other factors have made Florida a challenging market for insurers.
- Like the rest of the nation, car insurance costs are rising for drivers in Florida, with major insurance providers filing for rate increases several times in 2023 and 2024.
- Insurance providers cite many reasons for requiring these rate hikes. The increase in distracted driving causing more frequent car crashes is one major factor.
- Climate change has increased the frequency and severity of severe weather in the South, and auto damage from Hurricane Idalia is still being assessed by insurance companies.
- Car theft is another factor impacting premium rates. Florida has the seventh highest rate of vehicle thefts in the U.S. Kia and Hyundai vehicles are particularly at risk for theft due to a social media trend showing how the cars can be started with a USB cable.
Related content:
Best cheap car insurance in JacksonvillePreviously Read
Best cheap car insurance in MiamiPreviously Read
Penalties for driving without insurance in FloridaPreviously Read
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How much is car insurance in Florida?
The average cost of car insurance in Florida for a full coverage policy is $3,467 per year, and minimum coverage costs an average of $1,094 per year. Compared to the 2024 national average cost of car insurance, which is $2,311 per year for full coverage and $640 for minimum coverage, Florida drivers pay quite a bit more on average. In fact, Florida is one of the most expensive states in the nation for full coverage car insurance, according to Bankrate’s analysis. For instance, the average annual full coverage premium in Florida is 36 percent more their neighbor, Georgia, which comes in at $2,554 per year.
The higher-than-average premiums across Florida may be partly due to the state’s geographic location, with 1,350 miles of coastline (the most in the U.S.) and its resulting susceptibility to severe weather events such as tropical storms, hurricanes and even tornadoes. Florida also has a high population of uninsured drivers, with 20.4 percent of drivers estimated to be driving without insurance, according to 2019 data published by the Insurance Information Institute (Triple-I). All of these factors, especially when added to the state’s busy roadways, could be contributing to high insurance costs.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Fort Meade | $3,170 | -9% |
| Polk City | $3,229 | -7% |
| Fort Myers | $2,884 | -18% |
| North Fort Myers | $2,858 | -19% |
| Rotonda West | $2,669 | -26% |
| Port Charlotte | $2,672 | -26% |
| Punta Gorda | $2,669 | -26% |
| Lake City | $2,792 | -22% |
| Saint Augustine | $2,658 | -26% |
| Astor | $2,814 | -21% |
| Daytona Beach | $2,869 | -19% |
| Port Orange | $2,850 | -20% |
| Edgewater | $2,813 | -21% |
| Lake Geneva | $2,843 | -20% |
| Lehigh Acres | $3,105 | -11% |
| Cape Coral | $2,831 | -20% |
| Naples | $2,652 | -27% |
| Boca Raton | $4,189 | +19% |
| Center Hill | $2,681 | -26% |
| Dade City | $3,583 | +3% |
| Lake Panasoffkee | $2,644 | -27% |
| Lutz | $3,868 | +11% |
| Plant City | $3,537 | +2% |
| Sun City Center | $3,532 | +2% |
| Orlando | $3,388 | -2% |
| Cocoa | $2,933 | -17% |
| Vero Beach | $2,870 | -19% |
| Sebastian | $2,771 | -22% |
| Apollo Beach | $3,747 | +8% |
| Saint Leo | $3,580 | +3% |
| Ruskin | $3,690 | +6% |
| Valrico | $3,913 | +12% |
| Graham | $2,769 | -22% |
| Green Cove Springs | $2,934 | -17% |
| Mayo | $2,859 | -19% |
| Barberville | $2,926 | -17% |
| East Palatka | $2,929 | -17% |
| Fort Mc Coy | $2,764 | -23% |
| Interlachen | $2,964 | -16% |
| The Villages | $2,689 | -25% |
| Bonita Springs | $2,673 | -26% |
| Goodland | $2,640 | -27% |
| Bradenton | $3,043 | -13% |
| Anna Maria | $3,022 | -14% |
| Palmetto | $3,008 | -14% |
| New Smyrna Beach | $2,830 | -20% |
| Ormond Beach | $2,859 | -19% |
| Pomona Park | $2,951 | -16% |
| Satsuma | $2,955 | -16% |
| Jacksonville | $3,212 | -8% |
| Neptune Beach | $2,905 | -18% |
| Tallahassee | $2,879 | -19% |
| Apalachicola | $2,716 | -24% |
| North Port | $2,622 | -28% |
| Crystal River | $2,939 | -16% |
| Ocala | $2,829 | -20% |
| hom*osassa | $2,959 | -16% |
| Brooksville | $3,302 | -5% |
| Istachatta | $3,267 | -6% |
| Bartow | $3,218 | -7% |
| Davenport | $3,285 | -5% |
| Frostproof | $3,200 | -8% |
| Intercession City | $3,310 | -5% |
| Lakeshore | $3,215 | -8% |
| Estero | $2,752 | -23% |
| Fort Myers Beach | $2,708 | -25% |
| Fleming Island | $2,970 | -15% |
| Eagle Lake | $3,224 | -7% |
| Lake Wales | $3,221 | -7% |
| Lorida | $2,946 | -16% |
| Ona | $2,983 | -15% |
| Winter Haven | $3,223 | -7% |
| Bokeelia | $2,779 | -22% |
| Felda | $3,078 | -12% |
| Bowling Green | $2,989 | -15% |
| Eaton Park | $3,131 | -10% |
| Haines City | $3,329 | -4% |
| Lake Placid | $2,938 | -17% |
| Sebring | $2,931 | -17% |
| Babson Park | $3,180 | -9% |
| Lake Hamilton | $3,302 | -5% |
| Mulberry | $3,187 | -8% |
| Captiva | $2,695 | -25% |
| Palmdale | $2,944 | -16% |
| Avon Park | $2,952 | -16% |
| Bradley | $3,209 | -8% |
| Kathleen | $3,174 | -9% |
| Indian Lake Estates | $3,214 | -8% |
| Wauchula | $2,940 | -16% |
| Labelle | $3,109 | -11% |
| Yulee | $2,797 | -21% |
| Middleburg | $2,953 | -16% |
| Jennings | $2,866 | -19% |
| Ponte Vedra | $2,704 | -25% |
| Wellborn | $2,819 | -21% |
| Palm Coast | $3,104 | -11% |
| Immokalee | $3,075 | -12% |
| Osprey | $2,707 | -25% |
| Sarasota | $2,792 | -22% |
| Callahan | $2,837 | -20% |
| Jasper | $2,858 | -19% |
| Lawtey | $2,779 | -22% |
| Live Oak | $2,804 | -21% |
| Orange Park | $2,963 | -16% |
| Crescent City | $2,959 | -16% |
| Saint Petersburg | $3,722 | +7% |
| Clearwater | $3,608 | +4% |
| Pinellas Park | $3,619 | +4% |
| West Palm Beach | $4,407 | +24% |
| Lake Worth | $4,462 | +25% |
| Jupiter | $3,542 | +2% |
| Bostwick | $2,948 | -16% |
| Zolfo Springs | $2,977 | -15% |
| Placida | $2,656 | -26% |
| Fort Lauderdale | $4,038 | +15% |
| Largo | $3,537 | +2% |
| Seminole | $3,512 | +1% |
| Lakeland | $3,184 | -9% |
| Plantation | $3,994 | +14% |
| Boynton Beach | $4,630 | +29% |
| Delray Beach | $4,537 | +27% |
| Hobe Sound | $3,007 | -14% |
| Tampa | $4,198 | +19% |
| Jacksonville Beach | $2,904 | -18% |
| Venice | $2,611 | -28% |
| Inverness | $2,934 | -17% |
| Lecanto | $2,930 | -17% |
| Land O Lakes | $3,696 | +6% |
| Aripeka | $3,754 | +8% |
| Bristol | $2,815 | -21% |
| Carrabelle | $2,742 | -23% |
| Belleview | $2,688 | -25% |
| Holder | $2,944 | -16% |
| Silver Springs | $2,726 | -24% |
| Spring Hill | $3,425 | -1% |
| Palm Harbor | $3,758 | +8% |
| Sanford | $2,987 | -15% |
| Winter Park | $3,034 | -13% |
| Nobleton | $3,263 | -6% |
| Hudson | $3,713 | +7% |
| Sparr | $2,664 | -26% |
| Dunnellon | $2,705 | -25% |
| Summerfield | $2,665 | -26% |
| New Port Richey | $3,768 | +8% |
| Ozona | $3,662 | +5% |
| Indian Rocks Beach | $3,494 | +1% |
| Yankeetown | $2,764 | -23% |
| Crystal Beach | $3,658 | +5% |
| Indialantic | $2,749 | -23% |
| Satellite Beach | $2,744 | -23% |
| Rockledge | $2,801 | -21% |
| Glen Saint Mary | $2,824 | -20% |
| Hilliard | $2,788 | -22% |
| Lee | $2,807 | -21% |
| Olustee | $2,805 | -21% |
| Hastings | $2,673 | -26% |
| Sanibel | $2,683 | -26% |
| Dundee | $3,284 | -5% |
| Murdock | $2,728 | -24% |
| Fernandina Beach | $2,782 | -22% |
| Fort White | $2,781 | -22% |
| Mc Alpin | $2,803 | -21% |
| Lulu | $2,815 | -21% |
| Raiford | $2,767 | -22% |
| Hollister | $2,924 | -17% |
| Belleair Beach | $3,465 | -0% |
| Clearwater Beach | $3,533 | +2% |
| Palm Bay | $2,917 | -17% |
| Starke | $2,778 | -22% |
| Bunnell | $2,892 | -18% |
| Grandin | $2,924 | -17% |
| Georgetown | $2,983 | -15% |
| Marco Island | $2,616 | -28% |
| Oneco | $2,902 | -18% |
| Arcadia | $2,905 | -18% |
| Palm Beach Gardens | $3,625 | +4% |
| Ponte Vedra Beach | $2,799 | -21% |
| Lake Butler | $2,762 | -23% |
| O Brien | $2,788 | -22% |
| Florahome | $2,960 | -16% |
| Lake Como | $2,929 | -17% |
| Lady Lake | $2,723 | -24% |
| Miami | $4,459 | +25% |
| Macclenny | $2,814 | -21% |
| Candler | $2,690 | -25% |
| De Leon Springs | $2,943 | -16% |
| Venus | $2,895 | -18% |
| Terra Ceia | $2,968 | -15% |
| Myakka City | $2,945 | -16% |
| Melbourne | $2,838 | -20% |
| Cocoa Beach | $2,741 | -23% |
| Deland | $2,986 | -15% |
| Eustis | $2,761 | -23% |
| Casselberry | $2,994 | -15% |
| Deltona | $3,000 | -14% |
| Lake Mary | $3,001 | -14% |
| Longwood | $3,029 | -13% |
| Oviedo | $3,021 | -14% |
| Chokoloskee | $2,597 | -29% |
| Cortez | $2,914 | -17% |
| Bradenton Beach | $3,002 | -14% |
| Longboat Key | $2,888 | -18% |
| Pensacola | $2,919 | -17% |
| Baker | $2,677 | -26% |
| Fort Walton Beach | $2,631 | -27% |
| Milton | $2,660 | -26% |
| Alachua | $2,569 | -30% |
| Melrose | $2,849 | -20% |
| Bryceville | $2,820 | -21% |
| Elkton | $2,691 | -25% |
| Hampton | $2,775 | -22% |
| White Springs | $2,870 | -19% |
| Fountain | $2,620 | -28% |
| Port Saint Joe | $2,631 | -27% |
| Santa Rosa Beach | $2,437 | -35% |
| Flagler Beach | $2,871 | -19% |
| Saint James City | $2,766 | -22% |
| Copeland | $2,650 | -27% |
| Everglades City | $2,597 | -29% |
| Englewood | $2,627 | -28% |
| Doctors Inlet | $2,942 | -16% |
| Sanderson | $2,805 | -21% |
| Citra | $2,702 | -25% |
| Eastlake Weir | $2,664 | -26% |
| Ochopee | $2,678 | -26% |
| Fort Ogden | $2,921 | -17% |
| Branford | $2,837 | -20% |
| Auburndale | $3,166 | -9% |
| River Ranch | $3,233 | -7% |
| Alva | $2,885 | -18% |
| Eastpoint | $2,733 | -24% |
| Hosford | $2,816 | -21% |
| Panama City | $2,626 | -28% |
| Blountstown | $2,795 | -21% |
| Defuniak Springs | $2,481 | -33% |
| Freeport | $2,445 | -35% |
| Lynn Haven | $2,637 | -27% |
| Ferndale | $2,831 | -20% |
| Kissimmee | $3,393 | -2% |
| Fort Pierce | $3,123 | -10% |
| Jensen Beach | $3,186 | -8% |
| Palm City | $3,029 | -13% |
| Deerfield Beach | $4,283 | +21% |
| Panacea | $2,766 | -22% |
| Holiday | $3,777 | +9% |
| Leesburg | $2,744 | -23% |
| Winter Garden | $3,245 | -7% |
| Port Saint Lucie | $3,189 | -8% |
| Stuart | $3,024 | -14% |
| Hialeah | $4,578 | +28% |
| Hollywood | $4,226 | +20% |
| Homestead | $4,437 | +25% |
| Key West | $3,031 | -13% |
| Pompano Beach | $4,234 | +20% |
| Tavernier | $3,159 | -9% |
| Ocklawaha | $2,664 | -26% |
| Putnam Hall | $2,905 | -18% |
| Welaka | $2,987 | -15% |
| Saint Johns | $2,758 | -23% |
| Lanark Village | $2,785 | -22% |
| Nokomis | $2,679 | -26% |
| Floral City | $2,932 | -17% |
| Port Richey | $3,745 | +8% |
| Palatka | $2,957 | -16% |
| Atlantic Beach | $2,914 | -17% |
| Beverly Hills | $2,925 | -17% |
| Oxford | $2,633 | -27% |
| North Palm Beach | $3,776 | +9% |
| Palm Beach | $4,771 | +32% |
| Marianna | $2,660 | -26% |
| Vernon | $2,658 | -26% |
| Dunedin | $3,642 | +5% |
| Okahumpka | $2,725 | -24% |
| Saint Cloud | $3,260 | -6% |
| Okeechobee | $2,934 | -17% |
| Crestview | $2,666 | -26% |
| Jay | $2,653 | -27% |
| Mary Esther | $2,634 | -27% |
| Molino | $2,901 | -18% |
| Anthony | $2,728 | -24% |
| Bell | $2,836 | -20% |
| Bronson | $2,816 | -21% |
| Cedar Key | $2,804 | -21% |
| Evinston | $2,624 | -28% |
| Gainesville | $2,588 | -29% |
| Chiefland | $2,816 | -21% |
| Micanopy | $2,598 | -29% |
| Orange Lake | $2,603 | -28% |
| Pahokee | $4,044 | +15% |
| Dover | $3,753 | +8% |
| Wesley Chapel | $3,636 | +5% |
| Paxton | $2,603 | -28% |
| Hurlburt Field | $2,631 | -27% |
| Moore Haven | $2,973 | -15% |
| Canal Point | $4,013 | +15% |
| Clewiston | $3,154 | -9% |
| Valparaiso | $2,616 | -28% |
| Gretna | $2,808 | -21% |
| Monticello | $2,815 | -21% |
| Sopchoppy | $2,775 | -22% |
| Bonifay | $2,665 | -26% |
| Clarksville | $2,770 | -22% |
| Ebro | $2,636 | -27% |
| Wewahitchka | $2,702 | -25% |
| Ponce De Leon | $2,566 | -30% |
| Groveland | $2,795 | -21% |
| Killarney | $3,255 | -6% |
| Wellington | $4,344 | +22% |
| Mexico Beach | $2,615 | -28% |
| Alford | $2,660 | -26% |
| Cottondale | $2,668 | -26% |
| Rosemary Beach | $2,496 | -33% |
| Safety Harbor | $3,602 | +4% |
| Clermont | $2,829 | -20% |
| Salem | $2,854 | -19% |
| High Springs | $2,655 | -27% |
| Key Largo | $3,249 | -6% |
| Miami Beach | $4,365 | +23% |
| Havana | $2,788 | -22% |
| Quincy | $2,789 | -22% |
| Shady Grove | $2,902 | -18% |
| Mossy Head | $2,503 | -32% |
| Ocoee | $3,322 | -4% |
| Patrick Afb | $2,730 | -24% |
| Maitland | $3,108 | -11% |
| Mount Dora | $2,977 | -15% |
| Sorrento | $2,838 | -20% |
| Tavares | $2,751 | -23% |
| Big Pine Key | $3,035 | -13% |
| Apopka | $3,191 | -8% |
| Christmas | $3,141 | -10% |
| Winter Springs | $2,989 | -15% |
| Umatilla | $2,676 | -26% |
| Zellwood | $3,107 | -11% |
| Gibsonton | $3,933 | +13% |
| Lithia | $3,602 | +4% |
| Crawfordville | $2,791 | -22% |
| Lloyd | $2,867 | -19% |
| Destin | $2,647 | -27% |
| Gulf Breeze | $2,720 | -24% |
| Laurel Hill | $2,679 | -26% |
| Mc David | $2,799 | -21% |
| Archer | $2,603 | -28% |
| Horseshoe Beach | $2,862 | -19% |
| Lowell | $2,650 | -27% |
| San Mateo | $2,921 | -17% |
| Seville | $2,934 | -17% |
| Weirsdale | $2,666 | -26% |
| Inglis | $2,790 | -22% |
| Key Colony Beach | $3,069 | -12% |
| Opa Locka | $4,507 | +26% |
| Belle Glade | $4,011 | +15% |
| Lake Harbor | $3,867 | +11% |
| Dania | $4,162 | +18% |
| Hallandale | $4,618 | +28% |
| Milligan | $2,676 | -26% |
| Miramar Beach | $2,505 | -32% |
| Morriston | $2,788 | -22% |
| Grand Ridge | $2,676 | -26% |
| Montverde | $2,839 | -20% |
| Windermere | $3,267 | -6% |
| Cape Canaveral | $2,710 | -24% |
| Fellsmere | $2,842 | -20% |
| Ellenton | $3,019 | -14% |
| Tallevast | $2,827 | -20% |
| Loxahatchee | $4,051 | +16% |
| Brandon | $4,026 | +15% |
| Zephyrhills | $3,625 | +4% |
| Riverview | $3,880 | +11% |
| Thonotosassa | $3,877 | +11% |
| Durant | $3,701 | +7% |
| Sumterville | $2,629 | -27% |
| Grant | $2,906 | -18% |
| Malabar | $2,917 | -17% |
| Merritt Island | $2,758 | -23% |
| Long Key | $3,085 | -12% |
| Melbourne Beach | $2,749 | -23% |
| North Miami Beach | $4,765 | +32% |
| Islamorada | $3,153 | -9% |
| Miami Gardens | $4,504 | +26% |
| Greenville | $2,855 | -19% |
| Youngstown | $2,606 | -28% |
| Perry | $2,866 | -19% |
| Saint Marks | $2,770 | -22% |
| Telogia | $2,833 | -20% |
| Altha | $2,748 | -23% |
| Chipley | $2,643 | -27% |
| Bushnell | $2,664 | -26% |
| San Antonio | $3,684 | +6% |
| Seffner | $3,820 | +10% |
| Homeland | $3,247 | -7% |
| Lake Alfred | $3,265 | -6% |
| Nalcrest | $3,255 | -6% |
| Nichols | $3,209 | -8% |
| Boca Grande | $2,710 | -24% |
| El Jobean | $2,677 | -26% |
| Pierson | $2,929 | -17% |
| Orange Springs | $2,700 | -25% |
| Hernando | $2,964 | -16% |
| Oldsmar | $3,636 | +5% |
| Niceville | $2,615 | -28% |
| Brooker | $2,721 | -24% |
| Earleton | $2,612 | -28% |
| Lochloosa | $2,624 | -28% |
| Mc Intosh | $2,603 | -28% |
| Newberry | $2,590 | -29% |
| Coleman | $2,668 | -26% |
| Sydney | $3,739 | +8% |
| Sumatra | $3,563 | +3% |
| Madison | $2,831 | -20% |
| Panama City Beach | $2,647 | -27% |
| Argyle | $2,503 | -32% |
| Bascom | $2,651 | -27% |
| Malone | $2,653 | -27% |
| Noma | $2,687 | -25% |
| Sneads | $2,678 | -26% |
| Wausau | $2,660 | -26% |
| Mascotte | $2,817 | -21% |
| Yalaha | $2,736 | -24% |
| Holt | $2,632 | -27% |
| Pineland | $2,684 | -25% |
| Parrish | $2,995 | -15% |
| Pinetta | $2,834 | -20% |
| Key Biscayne | $4,242 | +20% |
| Eglin Afb | $2,620 | -28% |
| Wabasso | $2,863 | -19% |
| Cantonment | $2,837 | -20% |
| Century | $2,767 | -22% |
| Navarre | $2,664 | -26% |
| Shalimar | $2,626 | -28% |
| Fairfield | $2,650 | -27% |
| Gulf Hammock | $2,766 | -22% |
| Reddick | $2,675 | -26% |
| Greensboro | $2,782 | -22% |
| Lamont | $2,837 | -20% |
| Midway | $2,775 | -22% |
| Steinhatchee | $2,870 | -19% |
| Campbellton | $2,649 | -27% |
| Summerland Key | $3,025 | -14% |
| Suwannee | $2,860 | -19% |
| Altamonte Springs | $3,018 | -14% |
| Lake Helen | $2,972 | -15% |
| Scottsmoor | $3,035 | -13% |
| Caryville | $2,642 | -27% |
| Greenwood | $2,650 | -27% |
| Westville | $2,638 | -27% |
| Tarpon Springs | $3,817 | +10% |
| Astatula | $2,767 | -22% |
| Fruitland Park | $2,725 | -24% |
| Howey In The Hills | $2,801 | -21% |
| Kenansville | $3,272 | -6% |
| Wildwood | $2,639 | -27% |
| Pembroke Pines | $4,068 | +16% |
| La Crosse | $2,563 | -30% |
| Otter Creek | $2,766 | -22% |
| Chattahoochee | $2,786 | -22% |
| Graceville | $2,658 | -26% |
| Gotha | $3,299 | -5% |
| Indiantown | $3,035 | -13% |
| Cross City | $2,864 | -19% |
| Island Grove | $2,624 | -28% |
| Keystone Heights | $2,835 | -20% |
| Hawthorne | $2,649 | -27% |
| Old Town | $2,871 | -19% |
| Lake Monroe | $2,994 | -15% |
| Debary | $2,985 | -15% |
| Plymouth | $3,112 | -11% |
| Mid Florida | $2,959 | -16% |
| Grand Island | $2,738 | -23% |
| Mims | $2,912 | -17% |
| Orange City | $2,996 | -15% |
| Titusville | $2,735 | -24% |
| Williston | $2,800 | -21% |
| Paisley | $2,817 | -21% |
| Waldo | $2,610 | -28% |
| Glenwood | $2,988 | -15% |
| Trenton | $2,814 | -21% |
| Altoona | $2,743 | -23% |
| Oak Hill | $2,927 | -17% |
| Cassadaga | $2,958 | -16% |
| Geneva | $2,980 | -15% |
| Osteen | $2,986 | -15% |
| Trilby | $3,569 | +3% |
| Marathon | $3,047 | -13% |
| Odessa | $3,837 | +10% |
| Webster | $2,735 | -24% |
| Wimauma | $3,643 | +5% |
| Sun City | $3,613 | +4% |
| Marathon Shores | $3,069 | -12% |
| South Bay | $3,992 | +14% |
Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
Rates refreshed as of Jun 2024
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze June 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $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 minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
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Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
