The Essential Cheap Auto Insurance Rates Guide in Florida (2022)
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in…
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Written by
Rachael Brennan
Licensed Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
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Reviewed by
Benji Carr
Former Licensed Life Insurance Agent
UPDATED: Jan 9, 2022
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Quick Facts
A lot of different companies offer cheap auto insurance in Florida
Florida auto insurance can cost anywhere from $60 to $280 a month, depending on the coverage you’re looking for
Discounts are a good way to save money on auto insurance
If you live in Florida, you may be curious if and how you can save money on your car insurance. It is possible to find cheap insurance in Florida. You just have to know where to look.
To find cheap auto insurance in Florida, you’ll probably have to do some digging to find and compare auto insurance quotes from different car insurance companies.
Be sure to take your time and compare quotes from multiple companies to make sure you find the most affordable option.
As you look for low-income car insurance in Florida, you can use our free quote tool above to help you find and compare rates from some of the cheapest companies in the state.
Can I find cheap auto insurance in Florida?
It is possible to find cheap auto insurance in Florida, but it probably won’t be as easy as buying the first car insurance policy you find. In order to find the most affordable car insurance options, you will need to do some research.
While you can use word-of-mouth to speak to friends and relatives and see how much they’re paying for auto insurance, you may be better off doing your own research online to find the cheapest company.
Keep in mind that the best way to actually find cheap car insurance is to get quotes based on yourself and your vehicle rather than simply trusting a company that markets itself as cheap.
There are several factors that will impact a person’s car insurance rates, such as:
Your age
The type of car you drive
Your credit history
How much you drive
The type of policy you want
To get accurate car insurance quotes from different companies, you’ll need to answer personal questions that ask about the factors above as accurately and honestly as you possibly can.
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What companies offer cheap auto insurance in Florida?
There are countless car insurance companies in the state of Florida. Although there’s no way to know which would be the cheapest for you, there are some companies that are well-known for being less expensive than their competitors.
The auto insurance companies in Florida that have a history of offering cheaper car insurance rates for policyholders include:
State Farm
GEICO
Allstate
MetLife
Direct Auto
Progressive
USAA
Allied
Travelers
Auto-Owners
21st Century
Hanover
Esurance
Mercury
As you already know, just because these companies are listed as offering cheaper rates does not mean they will offer you the best rates. So you will still want to find and compare rates from multiple companies in order to make an informed decision.
How much is auto insurance in Florida?
Florida car insurance can cost anywhere from $60 to $300 a month, depending on the type of policy you have and other factors.
If you’re looking for cheap auto insurance in Florida and you’re willing to simply meet the state’s minimum requirements for coverage, you’ll probably be able to find rates you’re happy with.
It is also possible to find cheap full coverage car insurance in Florida, though this will never be as cheap as a simple liability policy when it comes to monthly and annual rates.
To give you a good idea of the cost of full coverage car insurance, the table below shows how much you might pay for monthly and annual rates throughout the U.S.
Average Full Coverage Auto Insurance Rates by State 2021
StateAverage Annual Car Insurance RatesAverage Monthly Car Insurance Rates
Alabama$837.09$69.76
Alaska$1,050.09$87.51
Arizona$900.18$75.02
Arkansas$951.75$79.31
California$939.52$78.29
Colorado$1,132.78$94.40
Connecticut$981.77$81.81
Countrywide$1,215.69$101.31
Delaware$1,324.39$110.37
District of Columbia$1,208.77$100.73
Florida$991.25$82.60
Georgia$858.16$71.51
Hawaii$673.13$56.09
Idaho$854.10$71.18
Illinois$728.93$60.74
Indiana$683.67$56.97
Iowa$850.79$71
Kansas$917.49$76.46
Kentucky$1,364.17$113.68
Louisiana$689.12$57.43
Maine$1,096.37$91.36
Maryland$1,107.76$92.31
Massachusetts$689.12$57.43
Michigan$1,264.20$105.35
Minnesota$856.62$71.39
Mississippi$957.59$79.80
Missouri$845.39$70.45
Montana$868.55$72.38
Nebraska$805.99$67.17
Nevada$1,083.42$90.29
New Hampshire$795.50$66.29
New Jersey$1,379.20$114.93
New Mexico$920.42$76.70
New York$1,327.82$110.65
North Carolina$768.28$64.02
North Dakota$768.09$64.01
Ohio$766.66$63.89
Oklahoma$985.58$82.13
Oregon$894.10$74.51
Pennsylvania$950.42$79.20
Rhode Island$1,257.40$104.78
South Carolina$936.69$78.06
South Dakota$744.28$62.02
Tennessee$855.56$71.30
Texas$1,066.20$88.85
Utah$852.66$71.06
Vermont$746.79$62.23
Virginia$836.14$69.68
Washington$952.10$79.34
West Virginia$1,032.45$86.04
Wisconsin$716.83$59.74
Wyoming$844.33$70.36
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Car insurance rates in Florida are not as cheap as in other states in the U.S. This makes it even more important for you to shop around in order to find the best deal on coverage.
How can I make my Florida auto insurance cheaper?
If you’ve decided on the type of policy you want and have narrowed down your search when it comes to the company, one of the best ways to lower your car insurance rates is to find out about discounts.
Some of the most standard discounts available include:
Multi-policy
Multi-car
Vehicle safety
New car
Anti-theft devices
Good driver
Defensive driver
Good student
Pay in full
Paperless
Online quote
Early bird
Occupational
If you think you may be eligible for these or any other discounts, you can speak to an agent from the company you’re considering to see how much it could save you on your car insurance.
As you shop around for the cheapest coverage in Florida, you can use our free quote tool below to find the best deals in your area.
