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What to Know
Every company on this page sells car insurance in Florida, and each one earns a specific pick from us: families with a young driver, military families, classic cars, hybrids and EVs, and more. If no situation fits you closely, start with Progressive or Geico and get quotes from at least two others.
Many Florida drivers miss one detail about the state minimum. It covers personal injury protection and property damage liability, but it doesn't cover anyone else's injuries. A minimum policy is cheaper, but it could leave you in a tricky financial situation if you're at fault in an accident and someone else gets hurt.
Florida only requires bodily injury liability after you cause a crash with injury or death or receive certain citations. By then, the injuries from that crash have already happened without that coverage in place.
Our Best Car Insurance Companies in Florida
- Best Online Experience: Progressive
- Best for Discounts: Geico
- Best for Young Drivers: State Farm
- Best for the Military Community: USAA
- Best Policy Options: Farmers
- Best for Hybrids and EVs: Travelers
- Best for Classic Cars: Allstate
Progressive
Best Online Experience- Discounts
- 13
- Online Quotes
- Online Policy Purchase
Why We Like Progressive in Florida
Progressive is our pick for best online experience in Florida. You can get a quote, buy a policy, and file a claim online. Two of its discounts, the online quote discount and the sign online discount, reward you for digital activities.
Pros and Cons
Pros
- Offers rideshare coverage
- Offers gap insurance
Cons
- Fewer discounts than some other carriers
Company Review
Progressive covers the basics (liability, collision, and comprehensive) and adds gap insurance, which pays the difference if your car is totaled and you owe more on the loan than it's worth. Rideshare coverage, custom parts and equipment coverage, roadside assistance, and rental reimbursement round out the options.
Its 13 discounts include Snapshot, its safe driver program, along with multi-policy, continuous coverage, teen driver, good student, distant student, homeowner, multi-car, paperless, pay in full, and automatic payment discounts.
Geico
Best for Discounts- Discounts
- 23
- Online Quotes
- Online Policy Purchase
Why We Like Geico in Florida
Geico is our pick for discounts. It lists 23 discounts, giving most households several to check, including vehicle safety features and the DriveEasy usage-based program. The company offers online policy purchases and management.
Pros and Cons
Pros
- 23 discounts to choose from
- Buy a policy online
- File claims online
Cons
- No gap insurance
Company Review
Geico's discount list is long and varied: anti-lock brakes, anti-theft system, daytime running lights, clean driving record, defensive driving course, driver training, good student, student away at school, early shopper, internet quote, homeownership, multi-policy, multi-vehicle, new vehicle, paid-in-full, paperless, auto pay, and seat belt use. Military members, deployed drivers, federal employees, and members of certain groups or employers also have their own discounts.
Coverage add-ons include mechanical breakdown insurance, emergency road service, rental reimbursement, and custom parts and equipment. Geico doesn't offer gap insurance, so drivers with a new loan or lease may want to look elsewhere for that piece.
State Farm
Best for Young Drivers- Discounts
- 19
- Online Quotes
- Online Policy Purchase
Why We Like State Farm in Florida
State Farm is our pick for best for young drivers. Its 19 discounts lean toward households with teens and students, including good student, driver training, student away at school, and Steer Clear. Drive Safe & Save, its usage-based program, gives a newer driver a way to show good habits.
Pros and Cons
Pros
- Offers rideshare coverage
- 19 discounts to choose from
- Buy a policy online
Cons
- No gap insurance
Company Review
State Farm sells liability, collision, and comprehensive coverage, plus uninsured and underinsured motorist, medical payments, rideshare driver coverage, emergency road service, car rental reimbursement, and travel expenses coverage. Beyond its youth-focused discounts, it offers accident-free, good driver, defensive driving course, vehicle safety, anti-theft, passive restraint, multi-car, bundle and save, multi-policy, homeownership, senior, loyalty, low mileage, and college graduate discounts.
You can quote, buy a policy, and file claims online. It doesn't offer gap insurance.
USAA
Best for the Military Community- Discounts
- 13
- Online Quotes
- Online Policy Purchase
Why We Like USAA in Florida
USAA is our pick for the military community. Discounts like military on-base, car storage, and MyUSAA legacy are built around service members and their families. You do need a USAA membership to get a quote or buy a policy online.
Pros and Cons
Pros
- Military-specific policies and discounts
- Offers gap insurance
- 13 discounts to choose from
Cons
- Membership required
Company Review
USAA offers liability, collision, comprehensive, and gap insurance, plus personal injury protection, medical payments, uninsured and underinsured motorist, rental reimbursement, rideshare insurance, and roadside assistance. Its 13 discounts include SafePilot, its usage-based program, along with multi-vehicle, bundle and save, safe driving, basic and defensive driver training, good student, new vehicle, anti-theft device, and automatic payments.
The car storage discount can help if you're deployed and your car sits for months. If you don't qualify for membership, though, USAA isn't an option. USAA is open to military members, veterans, and their immediate families.
Farmers
Best Policy Options- Discounts
- 23
- Online Quotes
- Online Policy Purchase
Why We Like Farmers in Florida
Farmers is our pick for best policy options. It offers 13 coverage types beyond the basics, including accident forgiveness, new car replacement, OEM parts coverage, and a personal umbrella policy so that you can build a policy piece by piece.
Pros and Cons
Pros
- Offers accident forgiveness
- Offers new car replacement
- Offers rideshare coverage
Cons
- Can't buy a policy online
Company Review
Farmers goes further on add-ons than most: gap insurance, personal injury protection, glass deductible buyback, rental alternative/loss of use, rideshare and food delivery coverage, customized equipment, towing and roadside service, and rental car reimbursement. It also lists 23 discounts, including Signal (usage-based), multiline, multi-car, affinity, ePolicy, good payer, safe driver, youthful driver, good student, distant student, shared family car, alternative fuel, homeowner, pay in full, and several vehicle safety discounts like VIN etching and homing device.
You can get a quote and file a claim online, but you can't buy a policy online.
Travelers
Best for Hybrids and EVs- Discounts
- 9
- Online Quotes
- Online Policy Purchase
Why We Like Travelers in Florida
Travelers is our pick for hybrid and EV owners. Its new car replacement, gap insurance, and accident forgiveness options help owners of newer, higher-value vehicles, and it has a specific discount for hybrids and EVs.
Pros and Cons
Pros
- Offers accident forgiveness
- Offers new car replacement
- Offers gap insurance
Cons
- Can't buy a policy online
Company Review
Travelers offers liability, collision, comprehensive, and gap insurance, along with personal injury protection, medical payments, uninsured and underinsured motorist, extended transportation expenses (rental reimbursement), roadside assistance, limited ride-sharing coverage, and named non-owner insurance for people who drive but don't own a car.
Travelers writes policies in Florida, though its online quote tool has restrictions, so plan to get your quote through an agent or by phone. You can't buy a policy online, but you can file claims online.
Allstate
Best for Classic Cars- Discounts
- 12
- Online Quotes
- Online Policy Purchase
Why We Like Allstate in Florida
Allstate is our pick for best for classic cars. It offers classic/collector car insurance alongside its standard auto policies so that a collector can keep everything with one company. It also sells personal injury protection and handles quotes, purchases, and claims online.
Pros and Cons
Pros
- Offers new car replacement
- Offers gap insurance
Cons
- Fewer discounts than other companies
Company Review
Allstate's coverage list includes gap insurance, new car replacement, medical payments, uninsured and underinsured motorist, rental reimbursement, towing and labor, and ride-sharing coverage. Its 12 discounts are multi-policy, new car, student, anti-lock brake, anti-theft device, EZ pay, paperless, early signing, FullPay, responsible payer, safe driving, and multi-car.
That list is shorter than Geico's or Farmers', so compare what you'd actually qualify for.
Florida Car Insurance Requirements
Florida is a no-fault state, which means your own personal injury protection pays first for your injuries after a crash, regardless of who caused it. Here's what the state requires.
Florida minimum coverage
- Personal injury protection (PIP)
- $10,000 per person for medical and disability benefits, plus a $5,000 death benefit.
- Property damage liability
- $10,000 per crash.
- Bodily injury liability (only for some drivers)
- Not required for most drivers. Drivers who cause a crash with injury or death, or receive certain citations, must carry $10,000 per person/$20,000 per accident.
A minimum policy doesn't pay to repair or replace your own car, since that takes collision and comprehensive coverage. For most drivers, it also has no bodily injury liability, so injuries you cause to other people aren't covered.
Uninsured motorist coverage isn't required either, though a policy with bodily injury liability includes it unless you reject it in writing. If you finance your car, your lender will likely require more than the state does.
How to Save on Car Insurance in Florida
Raise your deductible
A higher deductible on collision and comprehensive usually lowers your premium. Pick an amount you could actually pay out of pocket next week.
Try a usage-based program
Progressive's Snapshot, Geico's DriveEasy, State Farm's Drive Safe & Save, USAA's SafePilot, and Farmers' Signal track how you drive. If you drive carefully and not at odd hours, they're worth a look.
Bundle your policies
Every company here except Travelers lists a multi-policy or bundling discount in our records. If you own a home or rent, quote both policies together.
Ask about student and safety discounts
Good student, driver training, and student-away-at-school discounts help households with young drivers. Anti-theft and anti-lock brake discounts are easy to miss, so ask about them by name.
Compare quotes every year
Insurers price the same driver differently, and your premium can change at renewal even if nothing changes on your end. Comparing quotes before each renewal is the simplest way to see whether you're paying more than you need to.
Frequently Asked Questions
Is Florida a no-fault state?
Yes. In Florida, your own personal injury protection pays for your injuries after a crash, regardless of who was at fault. The state requires $10,000 per person in PIP for medical and disability benefits, plus a $5,000 death benefit.
Do I need bodily injury liability insurance in Florida?
Not for most drivers. Florida requires $10,000 per person/$20,000 per accident only for drivers who cause a crash with injury or death or receive certain citations. Many drivers choose it anyway, because without it you have no coverage for injuries you cause to others.
What is the minimum car insurance in Florida?
Florida requires personal injury protection of $10,000 per person for medical and disability benefits plus a $5,000 death benefit, and property damage liability of $10,000 per crash. For most drivers, that combination keeps you legal while leaving your own car and other people's injuries uncovered.
Is uninsured motorist coverage required in Florida?
No. But if your policy includes bodily injury liability, uninsured motorist coverage comes with it unless you reject it in writing. Read the form before you sign it, because rejecting it means you'd rely on PIP and your own health coverage if an uninsured driver hits you.
Which car insurance company is best for young drivers in Florida?
State Farm is our pick for best for young drivers, thanks to discounts like good student, driver training, student away at school, and Steer Clear. Geico, Progressive, and Farmers also list good student discounts. Quote at least two or three, because the right fit depends on your household.
