Cheapest Car Insurance in Florida (2026)
GEICO leads minimum coverage at $51/month. Florida drivers pay an average of $250/month for full coverage. Verified May 2026 against state insurance commissioner and 2026 carrier analyses.
Updated May 1, 2026 · WebSearch-verified state minimums ($10K PIP + $10K PDL (no-fault, through June 30, 2026) — bodily-injury liability NOT currently required by state law), average costs, and cheapest-carrier rankings.
Quick Answer — Florida
- Minimum coverage required: $10K PIP + $10K PDL (no-fault, through June 30, 2026) — bodily-injury liability NOT currently required by state law
- Avg full coverage cost: $250/month ($3,000/year)
- Cheapest carrier (minimum): GEICO — $51/mo avg
- Cheapest carrier (full coverage): GEICO — $200/mo avg
- ⚠️ Upcoming change: MAJOR CHANGE: Effective July 1, 2026, Florida abandons no-fault PIP and adopts standard liability. New minimums: 25/50 bodily injury + $5,000 MedPay. Drivers may save ~$349/yr on average under the new system.
What's special about car insurance in Florida
- No-fault state (through June 30, 2026) — your own PIP pays your medical bills regardless of fault
- Highest average minimum coverage cost in the US ($1,529/yr)
- Hurricane risk drives comprehensive coverage cost; coastal areas pay 2–3x inland averages
- Many uninsured drivers — uninsured-motorist coverage is highly recommended even when not required
Florida car insurance at a glance
| Feature | Detail | Monthly | Annual |
|---|---|---|---|
| Minimum coverage required | $10K PIP + $10K PDL (no-fault, through June 30, 2026) — bodily-injury liability NOT currently required by state law | — | — |
| Avg minimum coverage cost | $127/mo | $1,529/yr | — |
| Avg full coverage cost | $250/mo | $3,000/yr | — |
| Cheapest carrier (minimum) | GEICOBest | $51/mo | $611/yr |
| Cheapest carrier (full coverage) | GEICOBest | $200/mo | $2,400/yr |
Which carrier should Florida drivers pick?
Match your situation to the right carrier. Florida-specific pricing varies by carrier, but the patterns below hold for most drivers.
- You want the absolute cheapest minimum coverage→ GEICOCheapest in Florida at $51/mo.
- You want full coverage at the lowest price→ GEICO$200/mo full coverage in Florida. Florida averages are highest in country — even cheapest carriers run high.
- You qualify for USAA (military / veteran / family)→ USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
- You bundle auto + home→ State Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
- You drive defensively + would let an app monitor→ Progressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
- You have a high-risk record (DUI, accidents, tickets)→ ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.
Get a free Florida quote in 15 minutes
GEICO is competitive in most states with 20+ discounts. Online quote takes 15 minutes; switching is free.
Sponsored partner
$51/mo
Cheapest minimum coverage
$250/mo
State avg full coverage
$10K PIP + $10K PDL (no-fault, through June 30, 2026)
State minimum required
May 2026
Last verified
Our methodology: We research, test, and verify every opportunity to ensure accuracy and value.
WalletGrower is independently owned and operated. We maintain editorial independence from our affiliate partners.
Methodology & sources
All Florida data on this page was WebSearch-verified May 2026 against the Florida insurance commissioner / DMV and at least one of the following 2026 carrier analyses:
Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.
Frequently asked questions about Florida car insurance
More auto-insurance guides
Other state guides
Get Florida auto-insurance + savings tips
When carriers update rates or your state changes coverage requirements — we'll tell you. Weekly, free.
No spam. Unsubscribe anytime.