Cheapest Car Insurance in Florida for July 2025

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Cheapest Car Insurance in Florida for July 2025

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Key Takeaways
  • Aspire Advantage, Progressive and Safeco offer cheap car insurance in Florida, according to Jerry’s data analysis.
  • Florida drivers need to carry $10,000 PIP and $10,000 PDL.
  • Companies like Embark, Gainsco and Progressive often have low rates for Florida drivers.

The cheapest car insurance in Florida comes from companies like Aspire Advantage, Progressive and Safeco, according to Jerry’s data analysis.

Drivers in Florida tend to pay a hefty amount for car insurance premiums compared to other states. The Sunshine State ranks highly for traffic accidents, uninsured drivers are rampant, there’s a litigious environment rife with fraudulent car insurance claims, and extreme weather events like hurricanes, tropical storms, and flash flooding all lead to higher costs for premiums. 

Case in point: The state’s minimum coverage costs $269 annually, according to a Jerry analysis. The average cost of full coverage insurance is $395 per month. That’s 15% higher than the national average for full coverage. 

To find the best car insurance in Florida, compare car insurance quotes from multiple insurers.

Compare cheap car insurance quotes in Florida.

What are Florida’s minimum requirements for car insurance?

Florida’s minimum car insurance requirements are:

  • $10,000 in personal injury protection (PIP) coverage.
  • $10,000 in property damage liability coverage.

When you or somebody else driving your car gets into an accident and are found at fault, PDL coverage helps pay for the damage that your vehicle does to another person’s property.

PIP and PDL are not considered liability coverage and only cover the policyholder — not injuries and damage done to the other driver or passengers subjected to a crash.

PIP allows policyholders to file claims for injuries, lost wages and car repairs when they are injured in an accident regardless of who is found responsible. In Florida, PIP only pays up to the state’s maximum of $10,000 for medical expenses for injuries. This coverage also helps pay some funeral expenses when there’s a fatality. 

This unique minimum requirement in Florida, as well as the state passing the No-Fault Law in 1971 as part of the Motor Vehicle Insurance Act, has led to an excess of fraudulent PIP lawsuits. That drives up the costs for policyholders statewide.

Cheapest minimum coverage insurance in Florida

Check out the quoted prices for minimum coverage in The Sunshine State:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $69 $825
Bluefire $72 $864
Anchor General $98 $1,175
Aspen $124 $1,484
Trexis $148 $1,771
Safeco $175 $2,095
Commonwealth Insurance $187 $2,244
National General $187 $2,247
Gainsco $189 $2,262
ROOT $191 $2,292
Last Updated Jul 2, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Florida

Full coverage could give you the peace of mind or you might be required to have it when you lease or loan your car. Check out these quotes for full coverage in Florida:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Anchor General $140 $1,677
Aspire Advantage $169 $2,026
Mercury $170 $2,039
Commonwealth Insurance $203 $2,439
Bluefire $219 $2,623
AAA $220 $2,636
Progressive $312 $3,741
Trexis $314 $3,766
National General $318 $3,811
Clearcover $324 $3,887
Last Updated Jul 1, 2025

Cheapest car insurance for young drivers in Florida

Like everywhere else in the United States, young drivers in Florida pay the most for auto insurance. You can see examples here:

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $415 $4,975
21-24 $357 $4,285
Last Updated Jun, 2025

Cheapest state minimum policy in Florida for a 20 year old

A 20-year-old Floridian who needs minimum coverage can expect to pay over $200 per month for car insurance according to our quotes:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Trexis 20 $161 $1,929
ROOT 20 $206 $2,474
National General 20 $268 $3,216
Infinity 20 $271 $3,247
Gainsco 20 $276 $3,307
Last Updated Jul 5, 2025

Cheapest full coverage policy in Florida for a 20 year old

Check out the quotes for full coverage in Florida for a 20-year-old driver:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Safeco 20 $382 $4,579
ROOT 20 $466 $5,587
National General 20 $468 $5,611
Progressive 20 $517 $6,206
Bristol West 20 $547 $6,563
Dairyland 20 $568 $6,820
Mendota 20 $584 $7,008
Embark General 20 $616 $7,390
Gainsco 20 $645 $7,745
The General 20 $733 $8,800
Last Updated Jul 2, 2025

Average car insurance for mature drivers in Florida (25-54 years old)

These are the rates applicable to drivers aged 25 to 54, which see a general decline as a Floridian gets older:

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $297 $3,566
35-44 $275 $3,305
45-54 $253 $3,039
Last Updated Jun, 2025

Cheapest state minimum policy in Florida for a 36 year old

The typical Jerry customer is 36 years old. Below are the quotes for a state-minimum policy in Florida tailored to someone of that age:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
First Acceptance 36 $85 $1,022
Bluefire 36 $94 $1,133
Aspen 36 $95 $1,137
Safeco 36 $124 $1,493
Gainsco 36 $165 $1,979
Last Updated Jul 1, 2025

Cheapest full coverage policy in Florida for a 36 year old

Here are the most affordable quotes for full coverage available to a 36-year-old in Florida:

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Bluefire 36 $149 $1,786
Safeco 36 $317 $3,808
Progressive 36 $325 $3,901
National General 36 $329 $3,943
ROOT 36 $341 $4,091
Commonwealth Insurance 36 $343 $4,115
Gainsco 36 $345 $4,141
Assurance America 36 $371 $4,455
Electric 36 $383 $4,600
Bristol West 36 $387 $4,646
Last Updated Jul 5, 2025

Average car insurance for older drivers (55+ years old)

Senior drivers typically enjoy lower insurance rates throughout their 50s and early 60s; however, premiums often begin to rise as they move into their later years.

Cheapest state minimum policy in Florida for a 65 year old

Below are the quotes for a state-minimum policy in Florida for a 65-year-old driver.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 65 $129 $1,545
Dairyland 65 $136 $1,631
Gainsco 65 $136 $1,638
National General 65 $138 $1,659
Assurance America 65 $154 $1,850
Last Updated Jul 2, 2025

Cheapest full coverage policy in Florida for a 65 year old

If you need full coverage, here are the most affordable full coverage quotes available for a 65-year-old driver in Florida.

Insurance Company
Age
Avg Monthly Quote
Avg Annual Quote
Progressive 65 $172 $2,063
Safeco 65 $251 $3,010
National General 65 $268 $3,221
Dairyland 65 $280 $3,365
Gainsco 65 $312 $3,743
Bristol West 65 $312 $3,745
Assurance America 65 $314 $3,767
Embark General 65 $320 $3,840
Infinity 65 $330 $3,960
Mendota 65 $356 $4,272
Last Updated Jun, 2025

Average car insurance for drivers with clean records in Florida

If you have no violations or claims, check out the average quotes for Floridians with clean records and insurers who have the lowest quotes for drivers with clean records:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $78 $941
Anchor General $136 $1,627
Mercury $170 $2,039
Trexis $179 $2,150
Bluefire $184 $2,211
First Acceptance $192 $2,308
Commonwealth Insurance $196 $2,349
Assurance America $217 $2,604
AAA $220 $2,636
Progressive $222 $2,666
Last Updated Jul 1, 2025

Average car insurance for drivers with low credit scores in Florida

Drivers in Florida with a better credit score pay less for insurance, as you can see from the falling average quotes below:

Credit Score
Avg Monthly Quote
Avg Annual Quote
550-659 $293 $3,513
660-750 $271 $3,256
<550 $304 $3,652
750+ $227 $2,729
Last Updated Jun 30, 2025

If you have a low credit score, meaning a score of less than 550, check out these insurers for the best rates:

Insurance Company
Credit Score
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage <550 $70 $837
Anchor General <550 $88 $1,051
Commonwealth Insurance <550 $128 $1,534
Bluefire <550 $133 $1,600
Electric <550 $170 $2,038
Last Updated Jun, 2025

Cheapest car insurance for drivers with at-fault accidents in Florida

An accident will definitely increase your insurance quotes in Florida, according to our data:

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
At Fault With Injury $295 $3,534
At Fault With No Injury $321 $3,857
Not At Fault $310 $3,722
Last Updated Jul 2, 2025

Cheapest car insurance for drivers with at-fault accidents with no injury in Florida

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage At Fault With No Injury $69 $823
Bluefire At Fault With No Injury $122 $1,469
Trexis At Fault With No Injury $135 $1,622
Anchor General At Fault With No Injury $171 $2,051
First Acceptance At Fault With No Injury $231 $2,770
Last Updated Jun, 2025

Cheapest car insurance for drivers with at-fault accidents with injury in Florida

Insurance Company
At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage At Fault With Injury $109 $1,313
National General At Fault With Injury $236 $2,838
First Acceptance At Fault With Injury $253 $3,040
Gainsco At Fault With Injury $262 $3,145
Assurance America At Fault With Injury $267 $3,203
Last Updated Jun, 2025

Cheapest car insurance for drivers with a speeding ticket in Florida

Speeding will cause your average quote to rise, according to our data based on customers in Florida:

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Speeding under 15 $282 $3,382
Speeding over 15 $339 $4,068
Last Updated Jun, 2025

if you have a speeding ticket, it might be worthwhile to get quotes from various insurers because you could get a better quote:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Bluefire $84 $1,010
Aspen $115 $1,383
Aspire Advantage $117 $1,401
Trexis $134 $1,607
Safeco $230 $2,756
First Acceptance $245 $2,938
National General $262 $3,141
Gainsco $292 $3,501
Embark General $297 $3,567
Assurance America $298 $3,581
Last Updated Jul 1, 2025

Cheapest car insurance for drivers with a DUI in Florida

Driving under the influence will negatively influence your insurance quotes, as you can see from the increase in cost from the average driver with no DUI record:

Violation Summary
Avg Monthly Quote
Avg Annual Quote
DUI $283 $3,399
$276 $3,313
Last Updated Jun, 2025

Different insurers charge different rates for drivers with a DUI in Florida. Check out these quotes, starting from the cheapest:

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Trexis $109 $1,302
Gainsco $153 $1,841
Root $176 $2,117
Aspen $209 $2,510
National General $223 $2,679
Assurance America $229 $2,747
Dairyland $247 $2,960
Embark General $254 $3,043
Progressive $287 $3,441
The General $325 $3,901
Last Updated Jun 30, 2025

Average car insurance for drivers with other violations in Florida

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $346 $4,149
Cell Phone $286 $3,428
Defective Equipment $244 $2,927
Driving on Sus. License $256 $3,075
Eluding Police $249 $2,993
Failure to Obey Traffic Sign $332 $3,985
Illegal Turn $236 $2,827
Improper Passing $346 $4,157
Leaving scene of an Accident/Hit and Run $368 $4,414
Open Container $237 $2,839
Other $322 $3,862
Passing School Bus $280 $3,356
Racing/Drag Racing $347 $4,170
Reckless Driving $208 $2,494
Seat Belt $264 $3,171
Suspension $301 $3,617
Wrong Way/Wrong Lane $285 $3,422
Last Updated Jun, 2025

Does Florida require drivers to have uninsured/underinsured (UM/UIM) motorists coverage?

Even though Florida drivers have an added risk of a high rate of uninsured drivers on the roads, the state does not require uninsured/underinsured motorist coverage (UM/UIM). But including UM coverage to your policy can be a good idea, as the state’s minimum requirements are so low that drivers who get into an accident will likely need more protection.

UM coverage helps pay for your injuries, lost wages and the damage done to your vehicle if you’re affected by a hit and run or get into an accident with an uninsured or underinsured driver who is found at fault.

Is full coverage auto insurance recommended in Florida?

Florida’s minimum state requirements are not likely to provide sufficient financial protection in the event you’re in a serious wreck. With various risks unique to the Sunshine State, it can be beneficial that Florida drivers carry full coverage.

Paying more for full coverage may seem expensive in the short term, but it will provide greater financial protection to you if you end up in a significant accident. Without full coverage, you’re exposing yourself to financial risks once your car insurance policy reaches its limit. 

What is full coverage car insurance in Florida?

Full coverage car insurance includes the state’s minimum, comprehensive coverage, collision coverage and bodily injury liability. 

  • Collision coverage helps pay for repairs to your car that resulted from an accident with another vehicle regardless of if you were found at fault. Collision coverage usually has a deductible.
  • Comprehensive coverage pays for damage to your car that resulted from a non-collision event like an alligator attack, flooding, extreme weather events like a hurricane, vandalism, and theft.
  • Bodily injury liability coverage helps protect you in case you’re found responsible for an accident in which another person gets injured. 

What are the factors that determine a car insurance premium in Florida?

In Florida, insurers rate drivers on various factors to determine their risk and profile, including:

  • Driving record.
  • Traffic tickets and violations history.
  • Claims history.
  • Age, gender and marital status.
  • Where you live. 
  • The vehicle you drive.
  • Policy deductibles.
  • Credit score.
  • Annual mileage.

How can you find the best cheap car insurance rates in Florida?

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

Floridians can take several steps to find the best cheap rate for their situation by doing the following:

  • Shop around and compare quotes from multiple insurers to find the best option. You can do this multiple times a year and don’t need to wait for your current policy to lapse to get this information. 
  • Bundle policies for your home, life and auto insurance from the same insurer.
  • Choose higher deductibles.
  • Maintain a safe driving record.
  • Take a defensive driving course to potentially get a discount.
  • Pay your policy in full and don’t let it lapse.

While the key to securing the best auto insurance policy is to gather quotes from multiple insurers, this research can be time consuming. Fortunately, you can use Jerry, America’s first and only AllCar™ app. 

As a licensed broker, Jerry finds the best deal for you in minutes, as our app’s PriceProtect™ searches for insurance rates from 50+ insurance companies.

FAQ

  • What is the cheapest car insurance in Florida?
  • What is the cheapest full coverage car insurance in Florida?
Still have questions? Contact us

Methodology

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.