Jerry SummaryGeico is the best car insurance in Florida, according to Jerry’s August 2025 editorial analysis, thanks to its high customer satisfaction, strong financial strength rating and minimal customer complaints. AutoOwners, Nationwide, Allstate, Progressive and Florida Farm Bureau Insurance complete our list of the best carriers in the Sunshine State. To find the best for you, read Jerry’s in-depth insurance reviews and compare quotes from our top picks.
Jerry’s editorial team thoroughly evaluated 29 auto insurance companies to find the best car insurance in Florida. Jerry’s star ratings are based on factors like financial strength ratings, complaints to state regulators and customer satisfaction.
These are the best car insurance companies in Florida:
- Geico is the best car insurance company in Florida overall.
- Auto-Owners offers the best customizable options.
- Nationwide offers the best usage-based insurance.
- Allstate has the best customer service in Florida.
- Progressive offers the best cheap car insurance in Florida.
- Florida Farm Bureau Insurance earns an honorable mention due to its high customer satisfaction.
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Why you can trust Jerry’s editorial content
If you need cheap car insurance in Florida, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Florida overall: Geico
Why it’s the best: Geico is Jerry’s pick for the best car insurance company in Florida because of its superior financial strength rating, few customer complaints and high customer satisfaction. The company also earned the highest Jerry star rating — 5 stars — out of all the carriers we reviewed in Florida. Geico also tied for the No. 1 spot for overall customer satisfaction in Florida, according to J.D. Power’s 2025 Auto Insurance Study.
Geico offers Floridians discounts for being a safe driver, bundling policies and taking a defensive driving course. Opting into Geico’s telematics program, DriveEasy, may save you money on your auto policy if you practice safe driving habits.
Geico’s highly-rated mobile app lets Florida drivers manage their policy, pay their premium, access a digital ID card, request roadside assistance and estimate vehicle repair costs. You can get a car insurance quote online, or through one of the many agents Geico has across several Florida cities.
Best for customization: Auto-Owners
Why it’s the best: Auto-Owners is one of the best car insurance companies in Florida, with a 4.9 Jerry star rating, thanks to its high financial strength rating, low number of complaints to state regulators and policy customization options.
Florida drivers can customize their policies with optional coverages like gap insurance, roadside assistance and diminished value coverage, which pays you if an accident lowers your vehicle’s market value — even after it’s repaired.
Discounts are available for bundling policies, paying your premium on time for three years, paying for your policy in full, enrolling in paperless billing and insuring a vehicle with qualifying safety features. Auto-Owners also offers savings opportunities for young drivers, including discounts for insuring a student with a B average or higher, a student away at school or a teenager whose driving is tracked by a vehicle’s GPS or approved mobile app.
Best usage-based insurance: Nationwide
Why it made the list: Nationwide is the best car insurance company in Florida for drivers looking for usage-based insurance. Florida drivers can enroll in SmartMiles, which is Nationwide’s pay-per-mile option — a potential way to save on your insurance premium if you drive infrequently. Nationwide also offers SmartRide, a telematics program. If you opt into the program and let Nationwide monitor your driving behavior, you’ll get an immediate discount for signing up, plus save more if you practice safe driving habits.
Discounts are also available for bundling policies, setting up automatic payments, going five years without an accident, insuring a good student, driving a car with anti-theft devices and taking a defensive driving course if you’re over the age of 54.
Nationwide also has agents in several major Florida cities, including Cape Coral, Fort Myers, Jacksonville, Melbourne, Miami, Orlando, Pensacola, Sarasota, St. Petersburg and Tampa.
Best customer service: Allstate
Why it’s the best: Allstate is our pick for the best customer service because the company tied with Geico for the No. 1 spot for overall customer satisfaction in Florida in J.D. Power’s 2025 auto insurance study. The company also boasts minimal complaints to state regulators, indicating that Allstate policyholders are happy with their coverage.
Florida drivers can get policy discounts for not having any recent tickets or accidents on their driving record, bundling policies, insuring a good student or paying their premium on time. You can also save by signing up for Allstate’s telematics program, Drivewise. If you practice safe driving habits, you may save even more.
You can customize your policy with rideshare insurance, roadside assistance and rental reimbursement coverage.
Best cheap car insurance: Progressive
Why it’s the best: Progressive offers the best cheap car insurance in Florida, with an average minimum coverage rate of $150 per month, according to Jerry’s data analysis. Progressive also boasts an excellent financial strength rating and few customer complaints.
Discounts may be available for getting a quote online and paying your premium in full. Teen drivers and good students may also save.
More: Get cheap car insurance the smart way, today
Honorable mention: Florida Farm Bureau Insurance
While not yet rated by Jerry, Florida Farm Bureau Insurance was ranked No. 3 out of 14 insurers for overall customer satisfaction in Florida, according to J.D. Power’s 2025 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust.
Discounts are available for insuring multiple vehicles, keeping your record clear of moving violations, being a loyal customer, signing up for paperless billing and going claims-free. Good student and driver training discounts are also available for young drivers who qualify.
Florida Farm Bureau auto insurance policies automatically include pet injury coverage, up to $500, and towing and labor costs coverage, which pays up to $125 for gas delivery, lockout services and towing.
Best full coverage car insurance in Florida
Aspire Advantage offers the best full coverage car insurance rates in Florida, according to Jerry’s data analysis, with an average cost of $145 per month.
Below are the best full coverage car insurance options in Florida, according to quotes for real Jerry customers.
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Insurance Company
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Avg Monthly Quote
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|---|---|
| Aspire Advantage | $145 |
| Anchor General | $164 |
| Bluefire | $216 |
| Mercury | $220 |
| Embark General | $222 |
When choosing the best full coverage car insurance, go beyond the premium and carefully evaluate each provider. In addition to policy specifics, consider the insurer’s reliability and support, especially when you need them most. Insurers with excellent customer service, streamlined claims procedures and favorable online reviews from Florida drivers are often the top picks.
Best car insurance for teen drivers in Florida
The General offers the best car insurance rates for teen drivers in Florida, according to Jerry’s data analysis, with an average cost of $327 per month.
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Insurance Company
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Avg Monthly Quote
|
|---|---|
| The General | $336 |
| Anchor General | $344 |
| Mercury | $370 |
| First Acceptance | $412 |
| Aspire Advantage | $415 |
These are the best car insurance rates for teen drivers in Florida, based on real policy quotes for Jerry customers ages 16 to 19.
For Florida’s teen drivers, car insurance companies that reward positive driving behaviors are often the most suitable. Many insurers offer discounts to teenagers who maintain good grades, complete driver education courses or participate in telematics programs that monitor their driving habits.
Choose a policy that encourages responsible habits. Not only does this enhance your teen’s safety on the road, but it can also lead to more affordable coverage over time, as rates typically decrease with a consistently clean driving record.
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Florida
Commonwealth Insurance offers the best car insurance rates for young drivers in Florida, according to Jerry’s data analysis, with an average cost of $276 per month.
These are the best car insurance companies for drivers ages 19 to 25 in Florida.
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Insurance Company
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Avg Monthly Quote
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|---|---|
| Commonwealth Insurance | $276 |
| Embark General | $303 |
| Clearcover | $319 |
| Gainsco | $324 |
| The General | $327 |
Because younger drivers are considered a higher risk to insure, Florida drivers under 25 can benefit from policies that acknowledge safe and responsible driving. Many insurance providers offer discounts for maintaining a clean driving record, completing driver education courses or participating in telematics programs that track driving habits.
Selecting a policy that promotes and rewards good driving can enhance road safety and potentially reduce premiums over time.
Learn more: Car insurance for college students
Best car insurance for seniors in Florida
Embark General offers the best car insurance rates for drivers over 65 in Florida, with an average cost of $180 per month, according to Jerry’s data analysis.
These are the best car insurance rates in Florida for drivers aged 65 and older.
|
Insurance Company
|
Avg Monthly Quote
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|---|---|
| Embark General | $186 |
| Gainsco | $188 |
| The General | $204 |
| National General | $206 |
| Geico | $208 |
For Florida drivers over 65, selecting a car insurance policy that matches their driving habits is key to finding the best rates. For instance, those who drive infrequently might benefit from pay-per-mile insurance, which may be a cheaper option. Additionally, many insurers provide discounts to seniors who complete a defensive driving course. This not only enhances driving skills but can also reduce insurance premiums.
Learn more: Car insurance for seniors
How to get the best car insurance in Florida
Follow these tips to find the best car insurance in Florida.
Determine your coverage needs. You’re required to get Florida’s minimum coverage limits, but many drivers get higher liability limits of 100/300/100 to have more financial protection if they cause a bad crash. You should also consider adding uninsured motorist coverage to protect yourself from accidents with drivers without car insurance — more than one in every five Florida drivers is uninsured, according to 2023 data from the Insurance Information Institute (III).
Be sure to also plan for Florida’s extreme weather, which could damage your vehicle. The state regularly sees hurricanes and flooding — adding comprehensive insurance to your policy will pay for damage from weather-related events.
If you need further help to decide what coverage to buy, read Jerry’s guide to how much car insurance you need.
Research insurance companies. To learn about an insurer’s reputation and what to expect before purchasing a policy, you can read editorial insurer reviews on websites like ours. You can also research what real Florida drivers are saying on social media and online forums, like Reddit and Facebook.
Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the best car insurance rates for the coverage you need.
FAQs
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What is the best car insurance in Florida?
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Who has the best car insurance rates in Florida?
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What is the best car insurance for seniors in Florida?
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
