Florida has more uninsured drivers than any other state in the nation, with more than 20% of drivers foregoing car insurance, according to a study from the Insurance Research Council. With so many uninsured motorists on the road, you’ll want to make sure you have the best car insurance possible in case you’re in an accident where the other driver can’t pay for the damages they caused.
Finding the right insurer isn’t always easy. That’s why NerdWallet has put together a list of the best auto insurance companies in Florida based on factors like discounts, ease of use and customer complaints.
How we ranked the top auto insurers: NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best auto insurance companies is likely to change.
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 policy that works best for you. These carrier 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 .
*Farmers announced it has temporarily suspended sales of car insurance policies in Florida. Current customers are not affected by this change.
Progressive is one of the largest auto insurance companies in Florida. It’s also one of the best in the state, thanks to its numerous discounts and perks like free pet injury coverage for drivers with collision insurance . Additionally, it received fewer complaints to state regulators than expected for a company of its size.
Tech-savvy customers will likely appreciate Progressive’s easy-to-use website, which features a name-your-price tool to help find a policy within a certain budget. The company also offers usage-based insurance, which gives drivers the chance to lower their bill with safe driving behavior. However, reckless driving habits may lead to a rate increase.
State Farm’s high customer satisfaction ratings and affordable coverage help it stand out as one of the best car insurance companies for Florida drivers.
On average, it has the cheapest full coverage insurance rates in the state for both good drivers with good credit and good drivers with poor credit. It was also ranked highest in Florida for overall customer satisfaction in a 2021 J.D. Power U.S. Auto Insurance Study. In addition, State Farm has fewer complaints to state regulators than expected for a company of its size.
Travelers offers a wide range of coverage options, and has fewer complaints to state regulators than expected, making it one of the best insurance carriers in Florida. What’s more, the company offers coverage beyond the basics, such as accident forgiveness and gap insurance .
There are several ways Florida residents can save with Travelers, including discounts for owning a home, owning or leasing an electric vehicle, or insuring more than one car with the company.
With a slew of coverage options and ways to save on insurance, Allstate is worth a look for Florida drivers. Along with the usual coverage, Allstate offers accident forgiveness and custom equipment insurance, which pays to replace or repair aftermarket parts or equipment added to a vehicle.
Allstate customers can earn gift cards and other prizes for good driving behavior through the company’s free rewards program. And — for an extra cost — drivers can earn a bonus every six months they haven’t been involved in a crash. Floridians can pay to enroll in Allstate’s deductible rewards program, as well, to reduce their collision deductible by $100 every year ($500 maximum), provided they’re accident-free. Although these perks cost extra, they may potentially save you money in the long term.
Geico is not only the largest insurer in the state, but it also offers the cheapest minimum car insurance rates on average for Florida drivers. The company ranked above average for overall customer satisfaction in J.D. Power's 2021 U.S. Auto Claims Satisfaction Study.
Geico offers a large number of discounts for things like having multiple policies or installing airbags and anti-theft systems. The insurer offers discounts to certain university alumni, members of professional organizations, and military and federal employees.
Liberty Mutual boasts a wide range of coverage options and discounts, making it a solid choice for Florida residents. Besides standard auto insurance coverage, Liberty Mutual offers gap insurance, rental car reimbursement and new car replacement insurance , which pays for a new car of the same make and model if your vehicle is totaled.
Offering multiple ways to save, Liberty Mutual will lower its deductible for collision insurance by $100 a year, provided the policyholder contributes $30 annually. The insurer also offers discounts for purchasing a policy online, opting for paperless statements and having a claims-free driving history.
Note: Farmers has temporarily suspended sales of car insurance policies in Florida. Current customers are not affected by this change.
Farmers is one of the best Florida auto insurance companies due to its high customer satisfaction scores and long list of discounts. The company ranked above average for overall customer satisfaction in J.D. Power's 2021 U.S. Auto Claims Satisfaction Study. It also had fewer complaints to state regulators than expected for a company of its size.
Of NerdWallet’s best car insurance companies in the country, Farmers offers the most auto insurance discounts. Customers can get a discount for having good grades or paying in full at the start of the policy term. Drivers may also earn a discount for good driving behavior by joining the carrier’s telematics program, Signal.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines .
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Average rates methodology
For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
These are rates generated through Quadrant Information Services. Your own rates will be different.