Cheapest Car Insurance in Florida for 2025
Quick Answer
The cheapest car insurance in Florida, Mercury’s minimum coverage, costs on average $1,530 annually or $127 per month. The cheapest full coverage car insurance in Florida is GEICO’s, averaging $2,510 annually or $209 per month. However, your driving record, age and more can all affect how much you pay for auto insurance in Florida.
The cheapest car insurance in Florida is Mercury's minimum coverage policy, at $1,530 annually or $127 per month, according to Experian data from January 2025 and based on policies quoted through our automotive insurance marketplace. On average, minimum coverage auto insurance in Florida costs $2,948 annually or $246 per month.
The cheapest full coverage car insurance in Florida is offered by GEICO at $2,510 annually or $209 per month. On average, full coverage car insurance in Florida costs $2,948 annually or $246 per month.
Minimum coverage auto insurance in Florida provides enough financial protection to meet the state's basic liability insurance requirements for drivers. If you'd like additional protection, you can buy full coverage car insurance, which includes comprehensive and collision coverage as well as liability insurance. If your vehicle is leased or financed, you are usually required to carry full coverage on your vehicle until your lease term ends or the vehicle is paid off.
Whether you opt for full coverage or minimum coverage car insurance, your cost may vary depending on several factors, including:
- Your age (younger drivers typically pay more for car insurance)
- Your driving record (incidents and violations usually increase your rates)
- Your annual mileage (driving more can mean higher rates)
- The type and amount of coverage you buy
Although our data on the cheapest car insurance in Florida can be a good general guidepost, your premiums may be higher or lower. Before purchasing an auto insurance policy, take the time to compare insurance quotes from several insurers.
Cheapest Minimum Coverage Car Insurance in Florida
To drive legally, Florida drivers must have minimum liability insurance of $10,000 per accident in property damage coverage and $10,000 per accident in personal injury protection (PIP) coverage (also called no-fault insurance). Property damage liability insurance covers damages to vehicles or property; PIP insurance covers medical costs if you or your passengers are injured in an accident.
Learn more: How Much Car Insurance Do I Need?
The table below shows the carriers offering the cheapest minimum coverage auto insurance policies in Florida.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Mercury | $1,530 | $127 |
| Root | $1,831 | $153 |
| GEICO | $1,856 | $155 |
| Progressive | $2,069 | $172 |
| Gainsco | $2,118 | $177 |
Source: Experian data as of January 2025
Note: Costs above represent insurance quotes, not policy premiums
Florida is a no-fault insurance state, which means you'll file a claim with your own car insurance if you're injured in an accident—even if the other driver is at fault. If you feel that the minimum coverage amounts required in Florida will be enough to pay your expenses if you're involved in an accident, you could save money by purchasing just minimum coverage. However, for greater financial protection, most insurance professionals recommend purchasing at least $100,000 per person and $300,000 per accident in liability coverage for bodily injuries and $100,000 in coverage for property damage.
Cheapest Full Coverage Car Insurance in Florida
Full coverage car insurance adds comprehensive and collision coverage on top of liability insurance. Although full coverage insurance isn't required by law, your lender or lessor will generally require it if your vehicle is financed or leased. Full coverage insurance protects your car as follows:
- Collision coverage pays to repair or replace your car if it's damaged due to a collision with another car, object or animal.
- Comprehensive coverage pays to repair or replace your car if it's damaged by something other than driving, such as hail, a falling tree, vandalism or theft.
Even if your car is paid off, you may want full coverage car insurance to safeguard your vehicle. With full coverage insurance, you can avoid having to pay the cost of a stolen or damaged car out of pocket. (You'll still be responsible for paying your deductible.)
Learn more: What Is Full Coverage Car Insurance?
The table below shows the insurance companies offering the cheapest full coverage auto insurance policies in Florida.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| GEICO | $2,510 | $209 |
| Mercury | $2,914 | $243 |
| Progressive | $3,009 | $251 |
| Root | $3,073 | $256 |
| National General | $3,954 | $330 |
Source: Experian data as of January 2025
Note: Costs above represent insurance quotes, not policy premiums
Cheapest Car Insurance for Young Drivers in Florida
New drivers can be expensive to insure. Younger drivers generally pay higher auto insurance premiums because they're statistically more apt to get into accidents, according to the Insurance Institute for Highway Safety (IIHS). On average, teenage drivers pay $3,512 annually, for car insurance, according to 2025 Experian data.
Typically, auto insurance rates are highest for 16-year-olds and start to get cheaper when your child turns 25. During their teen and young adult years, you can save on auto insurance by adding your child to your auto insurance rather than buying them their own policy. You're likely to have lower auto insurance premiums because you've got years of driving experience. You may also enjoy discounts for being married or owning a home. When you add your young adult to your policy, they can benefit from these lower rates too.
Does your teen or college student have good grades? Many insurance companies offer discounts on auto insurance for young drivers who maintain a certain grade point average. Your child might also get discounts for attending college away from home without a car or for completing an approved driver safety course.
If a young driver on your car insurance has racked up several moving violations or accidents, your premiums are likely to go up. In this situation, you may want to purchase separate coverage for your child from an insurance provider specializing in high-risk drivers.
The table below shows the insurance carriers offering the cheapest full coverage car insurance for Florida drivers ages 16 to 25.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Root | $3,282 | $274 |
| GEICO | $3,764 | $314 |
| Mercury | $3,911 | $326 |
| Progressive | $4,315 | $360 |
| Gainsco | $4,838 | $403 |
Source: Experian data as of January 2025
Note: Young drivers include those ages 16 to 25; costs above represent insurance quotes, not policy premiums
Cheapest Car Insurance for Seniors in Florida
As you get older, your auto insurance rates typically drop because you have more driving experience. However, your car insurance premiums are likely to rise again around age 70, because drivers ages 70 and up have a statistically higher rate of serious accidents. Cheap car insurance for seniors is still out there, however. Some insurance providers even offer mature driver discounts once you reach a certain age.
The table below shows the auto insurance carriers offering the cheapest full coverage car insurance for Florida seniors.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| GEICO | $1,482 | $123 |
| Travelers | $1,998 | $166 |
| Progressive | $2,501 | $208 |
| Mercury | $2,727 | $227 |
| National General | $3,250 | $271 |
Source: Experian data as of January 2025
Note: Senior drivers include those ages 65 and up; costs above represent insurance quotes, not policy premiums
Reassessing your auto insurance needs as you get older makes sense, because your driving habits are likely to change. For instance, once you retire, you may not be driving as much as you were when you had a job. Depending on your annual mileage, you might be eligible for a low-mileage car insurance policy that could save you money. (On the other hand, if you're planning to spend your retirement seeing the country in your RV, you'll need special coverage for that.) Being a retired military service member or going without an auto accident for a certain number of years could also qualify you for an auto insurance discount with many insurance carriers.
Learn more: How to Buy Car Insurance as a Senior
Car Insurance for Prior Incidents in Florida
If you're a safe driver, you're generally less likely to be involved in an accident or receive a traffic citation. This can pay off in lower insurance premiums. Florida drivers with a clean driving record (one with no incidents or violations) pay an average of $2,075 annually for auto insurance.
If your motor vehicle history shows moving violations or accidents, on the other hand, insurance carriers may consider you a high-risk driver. This can be true even if the accidents weren't your fault. To compensate for their greater risk, insurance companies are likely to charge you more for car insurance. A record including several car accidents or serious infractions such as DUIs typically has more impact on your car insurance costs and may even lead your insurer to cancel your policy.
Learn more: How to Get Affordable Car Insurance as a High-Risk Driver
It's still possible to find affordable car insurance, even if you don't have a pristine driving record. The table below shows the average cost of auto insurance for Florida drivers who have negative marks on their driving records. (Incidents include things like traffic accidents or insurance claims; violations include moving violations, such as speeding tickets.)
| Driving Record | Annual Cost |
|---|---|
| Clean Record | $2,075 |
| 1 Incident | $2,797 |
| 1 Violation | $3,194 |
| 2 Incidents | $3,172 |
| 2 Violations | $3,602 |
| 3+ Incidents | $3,829 |
| 3+ Violations | $4,525 |
Source: Experian data as of January 2025
Note: Costs above are a blended average of full and minimum coverage policies sold through Experian's marketplace
Minimum Required Coverage in Florida
To register a vehicle in Florida you must have the following minimum insurance coverage:
- $10,000 property damage liability coverage per accident
- $10,000 PIP coverage per accident
PIP covers medical expenses up to $10,000 from a covered injury, regardless of whose fault the accident was. Property damage liability insurance covers damage to someone else's property that you or someone else cause while driving your car.
Your driver's license and registration may be suspended if you drive without the minimum required insurance in Florida. There is a fee of up to $500 to have them reinstated.
How to Save Money on Car Insurance
Reducing the cost of auto insurance gives you more money for other financial goals. Here are some ways to save on car insurance in Florida.
Cancel Extra Coverage
Car insurance extras such as rental car reimbursement, roadside assistance coverage or windshield replacement can be nice to have, but also add to the cost of your premiums. When you're looking for ways to cut costs, canceling nonessential coverage can be an easy place to start. For instance, you may not need rental car coverage if your family owns several cars that you could use when yours is in the shop.
You may also want to consider dropping collision and comprehensive coverage if your car is paid off and isn't worth much. If your car is totaled, your collision and comprehensive coverage only pay out the vehicle's value. Maintaining coverage for a vehicle worth just a few thousand dollars may not be worth the expense. Just be sure you could afford to replace or repair your car out of pocket if it were totaled.
Increase Your Deductible
The deductible is the amount you're responsible for paying when you file a car insurance claim. You can typically select a deductible of $250 to $2,000. If you can afford to do so, raising your deductible typically lowers your car insurance premiums.
However, it's important to be able to pay the higher deductible if you file an auto insurance claim. Evaluate the status of your emergency fund as well as your other financial resources before making this decision. Ask your auto insurance company how different deductibles would change your premiums.
Take Advantage of Discounts
Find out if your current car insurance company offers any discounts that you aren't already using. Visit other carriers' websites to see what discounts they have available that you might qualify for.
Some common car insurance discounts include premium reductions for bundling home and auto insurance, turning off paper statements, paying your premium upfront or setting up automatic premium payments. Many insurers also offer discounts if you get your insurance quotes online or sign documents digitally. Finally, check with your employer as well as any organizations you're a member of—they may offer discounts on auto insurance too.
Learn more: Top Car Insurance Discounts
Reduce Your Annual Mileage
The more time you spend driving, the more risk you have of being involved in a car accident. As a result, many car insurance companies offer discounts if you drive fewer than 12,000 miles per year. Walking, carpooling or biking more often are all ways to reduce your mileage and your insurance bill. You can even look into switching to full- or part-time remote work if your job allows.
Low-mileage car insurance plans typically record your mileage via self-reported or third-party odometer readings or devices installed in your vehicle. You may also want to investigate pay-per-mile car insurance; this type of coverage charges a monthly base rate plus a per-mile charge for each additional mile you drive.
Drive Safely
Maintaining a clean driving record without citations or accidents can help keep your car insurance costs down. If you need a refresher on traffic rules, look into taking a defensive driving or safe driving course. Many insurance companies offer discounts if you complete an approved course.
Improve Your Credit
Insurance companies in Florida can review your credit-based insurance score when determining your car insurance premiums. A poor score could mean paying more for auto insurance. Credit-based insurance scores aren't the same as consumer credit scores, but they're based on many of the same factors. As a result, taking steps to improve your consumer credit score could positively impact your credit-based insurance score and may save you money on car insurance.
Compare Prices
Each insurance company has its own criteria for setting premiums, which means the price you're quoted for car insurance can differ widely from one carrier to another. Comparing quotes from several different insurance companies could help you find savings on car insurance. At least once a year, or whenever your current policy is coming due for renewal, make a habit of shopping around to compare your options.
You can get auto insurance quotes by visiting insurance company websites or by contacting insurers directly. For a more convenient way to explore your options, try using Experian's free car insurance comparison tool. It gathers car insurance quotes from multiple top insurance companies in your state so you can see which carrier offers the lowest rates.
Methodology
This analysis is based on a review of auto insurance policies and quotes provided through Experian's insurance marketplace. Policy premium and quote averages are based on driver data across all genders and ages unless otherwise noted.
Experian's insurance marketplace matches users with auto insurance coverage from more than 30 carriers across 50 states and Washington, D.C.
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About the author
Karen Axelton
Karen Axelton specializes in writing about business and entrepreneurship. She has created content for companies including American Express, Bank of America, MetLife, Amazon, Cox Media, Intel, Intuit, Microsoft and Xerox.
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