Buying car insurance can be a headache, it’s a legal necessity, but not all auto insurance providers have the same rates and benefits. Finding and comparing the best rates every year can be tedious and time-consuming, so we did the heavy lifting for you.
Average Auto Insurance Rates in Florida
For minimum coverage, the average annual cost of car insurance in Florida is $1,101. For full coverage, you will find an average annual car insurance rate of $2,364.
Whether you are in Miami, Deltona, Gainesville, or elsewhere in Florida, you can find good rates from Metlife Auto Insurance and Allstate Insurance.
Metlife Auto Insurance in particular, provides roadside assistance and car insurance quotes from the company can be accessed via the metlife auto insurance naic number: 65978. How much does Metlife accident insurance payout? Check the rates below for more info.
Minimum Liability Limits for Auto Insurance
Minimum limits for liability are $100,000 for bodily injury per person, a $300,000 upper limit for all bodily injuries per accident, and $50,000 maximum for property damage.
Special Rates for Military Families
If you or an immediate family member is an active or former member of the United States
military, you can access exclusive insurance coverage through the United Services Automobile Association, or USAA.
If this applies to you, you may not need to review the insurance rates covered below. However, if you are still looking for low rates, continue below for more information.
Minimum Coverage
If you are just looking to pay the legally required minimum for car insurance, you will pay a different rate that depends on your age and driving history. Relative to other age groups, drivers in their 20s are less experienced and therefore a higher risk for insurance. This makes it difficult to find inexpensive minimum coverage insurance, but it’s not impossible.
Car owners in their 20s
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- Geico:
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At an annual rate, you can expect to pay $1,274 per year.
At a monthly rate, this comes out to $106 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,338 per year.
At a monthly rate, this comes out to $112 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,490 per year.
At a monthly rate, this comes out to $124 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $2,233 per year.
At a monthly rate, this comes out to $186 per month.
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- MetLife:
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At an annual rate, you can expect to pay $2,354 per year.
At a monthly rate, this comes out to $196 per month.
Car owners in their 30s
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- Geico:
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At an annual rate, you can expect to pay $766 per year.
At a monthly rate, this comes out to $64 per month.
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- State Farm:
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At an annual rate, you can expect to pay $800 per year.
At a monthly rate, this comes out to $67 per month.
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- Allstate:
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At an annual rate, you can expect to pay $951 per year.
At a monthly rate, this comes out to $79 per month.
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- MetLife:
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At an annual rate, you can expect to pay $1,207 per year.
At a monthly rate, this comes out to $101 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $1,338 per year.
At a monthly rate, this comes out to $112 per month.
Car owners in their 40s
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- Geico:
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At an annual rate, you can expect to pay $704 per year.
At a monthly rate, this comes out to $59 per month.
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- State Farm:
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At an annual rate, you can expect to pay $784 per year.
At a monthly rate, this comes out to $65 per month.
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- Allstate:
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At an annual rate, you can expect to pay $949 per year.
At a monthly rate, this comes out to $79 per month.
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- MetLife:
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At an annual rate, you can expect to pay $1,129 per year.
At a monthly rate, this comes out to $94 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $1,231 per year.
At a monthly rate, this comes out to $103 per month.
Car owners in their 50s
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- Geico:
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At an annual rate, you can expect to pay $674 per year.
At a monthly rate, this comes out to $56 per month.
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- State Farm:
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At an annual rate, you can expect to pay $757 per year.
At a monthly rate, this comes out to $63 per month.
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- Allstate:
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At an annual rate, you can expect to pay $906 per year.
At a monthly rate, this comes out to $76 per month.
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- MetLife:
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At an annual rate, you can expect to pay $1,039 per year.
At a monthly rate, this comes out to $87 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $1,167 per year.
At a monthly rate, this comes out to $97 per month.
Car owners in their 60s
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- Geico:
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At an annual rate, you can expect to pay $640 per year.
At a monthly rate, this comes out to $53 per month.
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- State Farm:
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At an annual rate, you can expect to pay $729 per year.
At a monthly rate, this comes out to $61 per month.
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- Allstate:
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At an annual rate, you can expect to pay $865 per year.
At a monthly rate, this comes out to $72 per month.
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- MetLife:
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At an annual rate, you can expect to pay $1,036 per year.
At a monthly rate, this comes out to $86 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $1,138 per year.
At a monthly rate, this comes out to $95 per month.
Full Coverage
If you are looking to insure your car completely, receiving complete coverage for any sort of mechanical or health liabilities, then a full coverage plan is for you. These plans are substantially more expensive than minimum coverage, but they won’t come up short when you need emergency funds for an accident.
Car owners in their 20s
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- State Farm:
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At an annual rate, you can expect to pay $3,471 per year.
At a monthly rate, this comes out to $289 per month.
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- Geico:
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At an annual rate, you can expect to pay $3,927 per year.
At a monthly rate, this comes out to $327 per month.
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- Allstate:
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At an annual rate, you can expect to pay $4,205 per year.
At a monthly rate, this comes out to $350 per month.
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- MetLife:
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At an annual rate, you can expect to pay $5,416 per year.
At a monthly rate, this comes out to $451 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $5,998 per year.
At a monthly rate, this comes out to $500 per month.
Car owners in their 30s
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- State Farm:
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At an annual rate, you can expect to pay $1,993 per year.
At a monthly rate, this comes out to $166 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,206 per year.
At a monthly rate, this comes out to $184 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,680 per year.
At a monthly rate, this comes out to $223 per month.
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- MetLife:
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At an annual rate, you can expect to pay $2,957 per year.
At a monthly rate, this comes out to $246 per month.
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- Progressive:
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At an annual rate, you can expect to pay $3,436 per year.
At a monthly rate, this comes out to $286 per month.
Car owners in their 40s
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- State Farm:
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At an annual rate, you can expect to pay $1,956 per year.
At a monthly rate, this comes out to $163 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,017 per year.
At a monthly rate, this comes out to $168 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,677 per year.
At a monthly rate, this comes out to $223 per month.
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- MetLife:
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At an annual rate, you can expect to pay $2,738 per year.
At a monthly rate, this comes out to $228 per month.
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- Progressive:
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At an annual rate, you can expect to pay $3,378 per year.
At a monthly rate, this comes out to $282 per month.
Car owners in their 50s
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- State Farm:
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At an annual rate, you can expect to pay $1,901 per year.
At a monthly rate, this comes out to $158 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,957 per year.
At a monthly rate, this comes out to $163 per month.
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- MetLife:
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At an annual rate, you can expect to pay $2,537 per year.
At a monthly rate, this comes out to $211 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,571 per year.
At a monthly rate, this comes out to $214 per month.
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- Progressive:
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At an annual rate, you can expect to pay $3,098 per year.
At a monthly rate, this comes out to $258 per month.
Car owners in their 60s
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- State Farm:
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At an annual rate, you can expect to pay $1,833 per year.
At a monthly rate, this comes out to $153 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,873 per year.
At a monthly rate, this comes out to $156 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,471 per year.
At a monthly rate, this comes out to $206 per month.
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- MetLife:
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At an annual rate, you can expect to pay $2,552 per year.
At a monthly rate, this comes out to $213 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,984 per year.
At a monthly rate, this comes out to $249 per month.
Recent Accident
If you have been in an accident recently, where you are considered at-fault for damages and liability, then your auto insurance rate will go up. Having at least one at-fault accident will raise your rates, but it may lower over time. If this applies to you, here are the best rates you’ll find in Florida.
Car owners in their 20s
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- Geico:
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At an annual rate, you can expect to pay $1,435 per year.
At a monthly rate, this comes out to $120 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,215 per year.
At a monthly rate, this comes out to $185 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,225 per year.
At a monthly rate, this comes out to $185 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $2,690 per year.
At a monthly rate, this comes out to $224 per month.
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- MetLife:
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At an annual rate, you can expect to pay $3,306 per year.
At a monthly rate, this comes out to $276 per month.
Car owners in their 30s
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- State Farm:
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At an annual rate, you can expect to pay $2,603 per year.
At a monthly rate, this comes out to $217 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,814 per year.
At a monthly rate, this comes out to $234 per month.
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- Allstate:
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At an annual rate, you can expect to pay $4,084 per year.
At a monthly rate, this comes out to $340 per month.
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- MetLife:
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At an annual rate, you can expect to pay $4,571 per year.
At a monthly rate, this comes out to $381 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $5,041 per year.
At a monthly rate, this comes out to $420 per month.
Car owners in their 40s
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- State Farm:
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At an annual rate, you can expect to pay $2,554 per year.
At a monthly rate, this comes out to $213 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,636 per year.
At a monthly rate, this comes out to $220 per month.
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- Allstate:
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At an annual rate, you can expect to pay $4,082 per year.
At a monthly rate, this comes out to $340 per month.
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- MetLife:
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At an annual rate, you can expect to pay $4,273 per year.
At a monthly rate, this comes out to $356 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $4,498 per year.
At a monthly rate, this comes out to $375 per month.
Car owners in their 50s
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- State Farm:
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At an annual rate, you can expect to pay $2,478 per year.
At a monthly rate, this comes out to $206 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,555 per year.
At a monthly rate, this comes out to $213 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,914 per year.
At a monthly rate, this comes out to $326 per month.
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- MetLife:
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At an annual rate, you can expect to pay $4,015 per year.
At a monthly rate, this comes out to $335 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $4,496 per year.
At a monthly rate, this comes out to $366 per month.
Car owners in their 60s
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- State Farm:
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At an annual rate, you can expect to pay $2,383 per year.
At a monthly rate, this comes out to $199 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,454 per year.
At a monthly rate, this comes out to $204 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,765 per year.
At a monthly rate, this comes out to $314 per month.
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- MetLife:
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At an annual rate, you can expect to pay $4,018 per year.
At a monthly rate, this comes out to $335 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $4,325 per year.
At a monthly rate, this comes out to $360 per month.
Low Credit Score
If you have a low credit score, it may be difficult to find auto insurance at low rates. A bad credit score means increased financial risk for insurance providers, leading to higher insurance premiums for consumers. If your credit is low or unestablished, consider these insurance providers for the best possible rates.
Car owners in their 20s
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- Direct Auto:
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At an annual rate, you can expect to pay $2,280 per year.
At a monthly rate, this comes out to $190 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,391 per year.
At a monthly rate, this comes out to $199 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,482 per year.
At a monthly rate, this comes out to $207 per month.
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- State Farm:
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At an annual rate, you can expect to pay $3,251 per year.
At a monthly rate, this comes out to $271 per month.
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- Progressive:
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At an annual rate, you can expect to pay $4,005 per year.
At a monthly rate, this comes out to $334 per month.
Car owners in their 30s
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- State Farm:
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At an annual rate, you can expect to pay $3,499 per year.
At a monthly rate, this comes out to $292 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $3,939 per year.
At a monthly rate, this comes out to $328 per month.
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- Geico:
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At an annual rate, you can expect to pay $3,945 per year.
At a monthly rate, this comes out to $329 per month.
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- Allstate:
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At an annual rate, you can expect to pay $4,942 per year.
At a monthly rate, this comes out to $412 per month.
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- Progressive:
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At an annual rate, you can expect to pay $5,590 per year.
At a monthly rate, this comes out to $466 per month.
Car owners in their 40s
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- State Farm:
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At an annual rate, you can expect to pay $3,433 per year.
At a monthly rate, this comes out to $286 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $3,533 per year.
At a monthly rate, this comes out to $294 per month.
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- Geico:
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At an annual rate, you can expect to pay $3,559 per year.
At a monthly rate, this comes out to $297 per month.
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- Allstate:
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At an annual rate, you can expect to pay $4,938 per year.
At a monthly rate, this comes out to $412 per month.
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- MetLife:
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At an annual rate, you can expect to pay $5,327 per year.
At a monthly rate, this comes out to $444 per month.
Car owners in their 50s
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- State Farm:
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At an annual rate, you can expect to pay $3,327 per year.
At a monthly rate, this comes out to $277 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $3,413 per year.
At a monthly rate, this comes out to $284 per month.
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- Geico:
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At an annual rate, you can expect to pay $3,446 per year.
At a monthly rate, this comes out to $287 per month.
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- Allstate:
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At an annual rate, you can expect to pay $4,751 per year.
At a monthly rate, this comes out to $396 per month.
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- MetLife:
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At an annual rate, you can expect to pay $4,953 per year.
At a monthly rate, this comes out to $413 per month.
Car owners in their 60s
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- State Farm:
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At an annual rate, you can expect to pay $3,191 per year.
At a monthly rate, this comes out to $266 per month.
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- Geico:
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At an annual rate, you can expect to pay $3,298 per year.
At a monthly rate, this comes out to $275 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $3,358 per year.
At a monthly rate, this comes out to $280 per month.
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- Allstate:
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At an annual rate, you can expect to pay $4,544 per year.
At a monthly rate, this comes out to $379 per month.
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- Progressive:
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At an annual rate, you can expect to pay $4,827 per year.
At a monthly rate, this comes out to $402 per month.
DUI
Receiving a DUI charge can severely impact the rate of your auto insurance, as it becomes a liability to insure drivers with a record of dangerous driving and/or breaking motor laws. If you have a DUI on your record, these insurance companies will provide the lowest rates for drivers in Florida.
Car owners in their 20s
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- Geico:
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At an annual rate, you can expect to pay $1,661 per year.
At a monthly rate, this comes out to $138 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,752 per year.
At a monthly rate, this comes out to $146 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $2,455 per year.
At a monthly rate, this comes out to $205 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,694 per year.
At a monthly rate, this comes out to $224 per month.
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- Progressive:
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At an annual rate, you can expect to pay $3,117 per year.
At a monthly rate, this comes out to $260 per month.
Car owners in their 30s
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- Geico:
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At an annual rate, you can expect to pay $2,943 per year.
At a monthly rate, this comes out to $245 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,990 per year.
At a monthly rate, this comes out to $249 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,418 per year.
At a monthly rate, this comes out to $285 per month.
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- Progressive:
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At an annual rate, you can expect to pay $4,074 per year.
At a monthly rate, this comes out to $340 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $4,099 per year.
At a monthly rate, this comes out to $342 per month.
Car owners in their 40s
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- Geico:
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At an annual rate, you can expect to pay $2,749 per year.
At a monthly rate, this comes out to $229 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,932 per year.
At a monthly rate, this comes out to $244 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,416 per year.
At a monthly rate, this comes out to $285 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $3,659 per year.
At a monthly rate, this comes out to $305 per month.
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- Progressive:
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At an annual rate, you can expect to pay $3,982 per year.
At a monthly rate, this comes out to $332 per month.
Car owners in their 50s
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- Geico:
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At an annual rate, you can expect to pay $2,661 per year.
At a monthly rate, this comes out to $222 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,884 per year.
At a monthly rate, this comes out to $237 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,278 per year.
At a monthly rate, this comes out to $237 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $3,540 per year.
At a monthly rate, this comes out to $295 per month.
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- Progressive:
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At an annual rate, you can expect to pay $3,653 per year.
At a monthly rate, this comes out to $304 per month.
Car owners in their 60s
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- Geico:
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At an annual rate, you can expect to pay $2,549 per year.
At a monthly rate, this comes out to $212 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,731 per year.
At a monthly rate, this comes out to $228 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,159 per year.
At a monthly rate, this comes out to $263 per month.
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- Direct Auto:
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At an annual rate, you can expect to pay $3,483 per year.
At a monthly rate, this comes out to $290 per month.
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- Progressive:
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At an annual rate, you can expect to pay $3,530 per year.
At a monthly rate, this comes out to $294 per month.
More Options if You Are Denied Coverage
Not all insurance companies will voluntarily provide coverage to all drivers. If you have a long record of accidents or driving tickets, a low credit score, a long gap of no insurance coverage, and other risky factors, you may find the auto insurance market closed to you.
It is risky to provide insurance to these drivers, so many companies will flat-out refuse to provide insurance. If this is the case, you can receive public coverage through your local state insurance program. In Florida, this would be the Florida Automobile Joint Underwriting Association.
This service is especially useful for truckers, taxis, and other commercial vehicle insurance plans. It also applies to everyday commuters looking for auto insurance, as federal law requires all US citizens to acquire auto insurance.
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