Picking the “best” car insurance in Florida can feel like throwing darts at a dart board with your eyes closed.
That’s why we did the majority of the legwork for you. NerdWallet analyzed the top-rated insurance companies in Florida and put together a list of the very best ones for each of the following categories:
How we found the best car insurance in Florida.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Best car insurance in Florida overall: Travelers
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
Fewer than expected
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
Why it’s the best
Travelers holds the highest overall score out of the 21 companies in Florida we analyzed. Travelers stands out for its ease of use and earned the top spot in our overall best car insurance companies of 2024. Because our auto insurance ratings reward companies for customer-first features and practices, this category represents an overall solid choice for drivers seeking a well-rounded insurance company.
Best car insurance in Florida for your budget: Geico
Geico
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.
Why it’s the best
Our analysis suggests Geico is the best car insurance company in Florida when it comes to your wallet. According to our analysis, Geico’s average rate for full coverage is $143 per month for a 35-year-old driver with a clean driving record and good credit. That’s the lowest out of all Florida car insurance companies we have pricing data for. However, your own rate may be different. Check out NerdWallet’s analysis of cheap car insurance in Florida for a breakdown of the most affordable insurers in the state.
Best car insurance in Florida for having few customer complaints: Auto-Owners
Best for having few customer complaints
Auto-Owners
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.
Auto-Owners
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.
Why it’s the best
Auto-Owners is the best car insurance company in Florida for having the fewest customer complaints to state regulators relative to insurers of its size. Auto-Owners had the second-highest overall raw score out of Florida companies we analyzed and is financially strong, which means the company has enough funds to pay claims.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Best car insurance in Florida for ease of use: State Farm
State Farm
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
Why it’s the best
State Farm is the best car insurance company in Florida for ease of use. It has an easy-to-use website and simple claims filing process compared with other top-rated companies in Florida. State Farm also has high app store ratings for iOS and Android devices.
Full list of the best car insurance in Florida
If you’re looking for more options, NerdWallet analyzed 21 car insurers to find the 11 best car insurance companies in Florida, all with a NerdWallet star rating of 4.5 or higher.
|
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
|
|
*USAA is only available to military, veterans and their families. |
|
How to get the best car insurance in Florida
Still not sure which company to go with? Try these tips:
-
Assess your needs. Evaluate your own needs and preferences before deciding on a car insurance company, since everyone’s needs are different. For example, one person might prioritize a company with strong customer service and a low-mileage discount, while another may prize affordability and a well-polished mobile app.
-
Do your research. While the companies on this page represent solid choices, you may want to explore other options. Whichever insurer you go with, make sure they’re financially stable, have few customer complaints and offer the coverage you need at a competitive price. You can also check out our full list of auto insurance reviews.
-
Consider small insurance companies. Small, regional insurers may provide a better price and customer service than the big companies you see advertised on TV. You might have to recruit the help of a local independent car insurance agent to find them.
-
Shop around once a year. Make a practice of shopping for car insurance quotes about once a year — especially if price is important to you. Insurers adjust car insurance rates regularly, so a company that gave you the best rate last year might no longer be a bargain this year. Be sure to get quotes from at least three insurers, and for the most accurate comparison, use the same or similar coverage options and deductibles while shopping around.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to auto insurance; a company’s rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.