The best car insurance companies are financially strong and offer a wide range of coverage options and discounts. NerdWallet's editorial team evaluated 24 insurers to find the highest-rated companies in Florida. We also keep an eye out for details or perks that make one insurer stand out from the rest.
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700+ auto insurance companies analyzed in over 29,000 U.S. cities. (See our top picks.)
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Easily compare personalized rates to see how much switching car insurance could save you.Best car insurance companies in Florida
Here’s our list of the best auto insurance companies in Florida, plus what makes them stand out from the competition.
Average rates are specific to Florida and based on NerdWallet’s May 2025 analysis. Read our methodology.
best overall pick
Travelers
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.- Received fewer customer complaints than expected.
- Lots of coverage options for auto insurance.
- One of the largest insurance providers in the nation.
- Customer ratings for claim satisfaction are below average, according to J.D. Power.
$199 per month on average for full coverage
$45 per month on average for liability coverage
Why Travelers is the best overall pick in Florida
Travelers earned the highest score out of 24 eligible car insurance companies in Florida, based on NerdWallet’s evaluations of each insurer’s coverage options, discounts and financial strength.
Pros
- Two accident forgiveness plans available for eligible drivers.
- Offers bonus coverages like gap insurance and new car replacement.
Cons
- Claims satisfaction rating is below average, according to a J.D. Power study.
» Read the full review: Travelers auto insurance review
Best for customer satisfaction
Auto-Owners
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.- Robust website and mobile app.
- Many discounts available.
- Doesn't offer gap or rideshare insurance.
- Limited network of local agents.
- Below average customer satisfaction for auto insurance claims in a recent J.D. Power study.
Rates for Auto-Owners weren’t available in Florida, according to NerdWallet’s May 2025 analysis.
Why Auto-Owners is the best option for customer satisfaction in Florida
Nationally, Auto-Owners had the fewest customer complaints to state regulators relative to insurers of its size, which makes it one of our top picks for Florida drivers.
Pros
- Offers at-fault accident forgiveness to eligible drivers.
- Waives collision deductible if both drivers have Auto-Owners policies.
Cons
- Does not offer online quotes.
- Mobile apps received low user ratings on both Apple and Android devices.
» Read the full review: Auto-Owners car insurance review
Best for discounts
Amica
Low consumer complaints and a wide variety of policy perks and discounts make Amica a great choice for good drivers.- Great set of discounts for auto insurance.
- Offers a wide variety of products with the opportunity to bundle.
- Fewer complaints than expected for auto insurance.
- Online quotes aren’t available.
Rates for Amica weren’t available in Florida, according to NerdWallet’s May 2025 analysis.
Why Amica is the top pick for discounts in Florida
Amica consistently ranks as a top choice for several categories in NerdWallet’s comparisons, and our score recognizes the company’s wide range of auto insurance discounts. Opting into a dividend-paying policy can also potentially save drivers money on a policy with Amica.
Pros
- Owned by policyholders, so drivers can opt into a dividend-paying policy.
- Offers gap insurance coverage.
Cons
- Transitioning from 12-month policies to only offer 6-month policies.
» Read the full review: Amica auto insurance review
best for mobile app users
State Farm
With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.- Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
- Generous rental car and travel expenses coverage.
- Above average customer satisfaction rating for buying auto insurance among large insurers, according to J.D. Power.
- Doesn't offer gap insurance.
$188 per month on average for full coverage
$36 per month on average for liability coverage
Why State Farm has the best mobile apps for Florida drivers
Unlike some top insurers, State Farm lets drivers make payments, start claims and manage policies in the State Farm app, which is rated highly by drivers ion both Apple and Android devices.
Pros
- Rental car coverage pays for meals, lodging and transportation if drivers are stranded 50+ miles from home.
- Steer Clear Driver program provides training for drivers under age 25, and may include a discount.
- Offers rideshare insurance.
Cons
- Doesn’t offer gap insurance.
» Read the full review: State Farm auto insurance review
Best for military drivers
USAA
USAA offers insurance to active military, veterans and their families only.- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available to active military, veterans and their families only.
Rates for USAA weren’t available in Florida, according to NerdWallet’s May 2025 analysis.
Why USAA is the best for Florida drivers with military connections
USAA consistently scores among the top insurance companies in the nation, according to NerdWallet’s reviews. It’s only available to military members, veterans and their families.
Pros
- Accident forgiveness available after 5 years of accident-free driving.
- Offers military-minded discounts for things like storing your car on base.
- Consistently one of the most affordable insurers across the country.
Cons
- Not available to most drivers.
» Read the full review: USAA auto insurance review
Best regional pick
Auto-Owners
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.- Offers a wide variety of products with the opportunity to bundle.
- Fewer complaints than expected for auto insurance.
- Only available in 26 states.
- Online quotes aren’t available.
Rates for Auto-Owners weren’t available in Florida, according to NerdWallet’s May 2025 analysis.
Why Auto-Owners is the best regional option for drivers in Florida
Auto-Owners has the best customer satisfaction scores for car insurance companies in the Sunshine State, according to a 2024 survey by J.D. Power. Auto-Owners also received the fewest complaints to state regulators out of similar-sized companies.
Pros
- Offers at-fault accident forgiveness to eligible drivers.
- Waives collision deductible if both drivers have Auto-Owners policies.
Cons
- Does not offer online quotes.
- Mobile apps received low user ratings on both Apple and Android devices.
» Read the full review: Auto-Owners car insurance review
Best auto insurance companies in Florida: Honorable mentions
If you’re looking for additional options, here’s a list of the other top car insurance companies that earned a NerdWallet star rating of 4.5 or higher. Each of these companies could be a good choice, depending on your driving history and insurance needs.
Company | Star rating |
|---|---|
Looking for the lowest auto insurance rates in your state? State Farm has the cheapest average full coverage rate in Florida. To find other low-cost options, check out NerdWallet’s list of the cheapest car insurance in Florida.
Minimum auto insurance limits required in Florida
At a minimum, Floridians must carry property damage liability and personal injury protection (PIP) in the following amounts:
$10,000 property damage liability per accident.
$10,000 personal injury protection.
Property damage liability insurance pays for damage you cause to other people’s property while driving, like someone’s car or fence.
PIP insurance in Florida covers your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was.
We recommend buying more than the bare minimum when it comes to all parts of your auto liability insurance, if you can afford it. You might want added protection from optional coverages such as collision, comprehensive and uninsured motorist insurance.
Check out NerdWallet’s guide to Florida auto insurance requirements for more details on coverage you might want on your Florida auto policy. And for more help finding cheap car insurance in Florida, try NerdWallet’s car insurance comparison tool.
Floridians have to contend with some of the highest car insurance prices in the country. That's because Florida has some of the highest rates of extreme weather, uninsured motorists, crash-related lawsuits and bad accidents. But lots of factors affect the price you pay for insurance. Check out NerdWallet's Florida car insurance quick-start guide to learn more.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2024 U.S. Auto Insurance Study. Accessed May 29, 2025.
Methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for 35-year-old men and women for all ZIP codes in all 50 states and Washington, D.C.
Unless otherwise stated, our analysis was based on our base driver profile, which has the following characteristics and coverage levels:
35 years old
Single. Male or female.
2022 Toyota Camry LE
12,000 annual miles driven.
Good driving record and credit
No moving violations.
"Good driving" discount applied.
Good credit-based insurance score.
Bodily injury liability coverage
$100,000 per person. $300,000 per crash.
Property damage liability coverage
$50,000 per crash.
Uninsured motorist bodily injury coverage
$100,000 per person. $300,000 per crash.
Collision coverage
With a $1,000 deductible.
Comprehensive coverage
With a $1,000 deductible.
- See characteristics for other driver profiles
For all other driver profiles, we used the same assumptions, with the following exceptions:
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for drivers with poor credit. These rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
For young drivers, we considered 20-year-olds with good credit and no driving violations.
For millennial drivers, we considered 40-year-olds with good credit and no driving violations.
For senior drivers, we considered 70-year-olds with good credit and no driving violations.
These are median rates, and your rate will vary based on your personal details, state and insurance provider. Sample drivers had the minimum required coverage by law in each state. Some policies include additional coverage at the insurer’s discretion.
Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
