10 Best Car Insurance in Florida of 2026

This list is for Florida drivers comparing insurers on local rates, claims service and coverage options, from Miami, Tampa and Orlando to Jacksonville, Tallahassee and the Panhandle. We compared documented features, discounts, claims access and published prices on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Florida is a no-fault state that requires $10,000 of personal injury protection and $10,000 of property damage liability, and it does not require bodily injury liability for most drivers. Most insurers do not publish a personal price, so we quote the Florida figures that Allstate, The Hartford, USAA, Progressive, Liberty Mutual, Root and Acceptance publish and mark the rest as pending. Several are market averages rather than customer prices, and we say which. GEICO and Nationwide pages blocked our requests, so they are left out.

1. 01Top value

   

   State Farm

   8.9/10

   Insurer of cars since 1922 that sells through more than 19,000 local agents, with programs for safe and young drivers.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   9.0

   Features (35%)

   8.9

   Ease of use (25%)

   8.7

   Best forFlorida households that want a nearby agent, especially families with drivers under 25.

   State Farm has insured cars since 1922 and says more than 19,000 auto agents work for it across the country, so Florida drivers can work with a local agent rather than a call center. That local service is the main reason it ranks first here: in a state where hurricane season can bring a wave of claims at once, having a named agent to call is worth a lot. Its savings programs suit families. Drive Safe & Save rewards safe driving with savings of up to 30%, and Steer Clear is built for drivers under 25 with no at-fault accidents or moving violations in the past three years. Customers who bundle auto and renters save up to $900 on average, according to State Farm, and homeowners, condo and life policies can be bundled too. Claims can be reported online, in the app or by phone, and State Farm cites USA Today's America's Best Customer Service 2026 ranking. The weak spot is transparency: it publishes no Florida price, so you need a quote from an agent.

   • ✓The largest agent network on this list
   • ✓Two programs that lower premiums for careful and young drivers
   • ✓Named in USA Today's America's Best Customer Service 2026

   • ✕No Florida price published on its site
   • ✕Discount amounts need an agent to confirm
   • ✕Fewer self-serve pricing tools than Progressive

   Insuring cars since:

   1922

   Agents:

   More than 19,000 nationwide

   Telematics:

   Drive Safe & Save, up to 30%

   Bundle saving:

   Up to $900 with auto and renters

   Bottom line: State Farm is the first quote for most Florida drivers, and the best one for families adding a young driver. Its agent network and claims record give it the strongest overall score here.

   Visit statefarm.com ↗

2. 02

   

   Allstate

   8.7/10

   National insurer selling Florida auto policies online, by phone and through agents, with the Drivewise telematics program.

   Price

   $106per month, Florida online liability-only customer average

   Florida liability-only customers who bought online paid $106 a month on average

   “Allstate customers in Florida who purchased online paid $106/month* – on average – for a liability-only auto insurance policy covering one driver and one vehicle.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.8

   Features (35%)

   8.7

   Ease of use (25%)

   8.5

   Best forFlorida drivers with clean records who are happy to buy a policy online.

   Allstate is one of few large insurers that publishes a Florida price for its own customers. Its Florida page says customers who bought online paid $106 a month on average for a liability-only policy covering one driver and one car, based on 2025 new business with a full pay discount and no incidents. That makes it the cheapest published figure on this list, though it is a bare liability policy and not an offer. Drivewise rewards safe driving with savings of up to 30%, and the published discount list covers anti-theft devices, defensive driving courses, good students and students away at school. Coverage extras fit Florida well: rideshare insurance for drivers who work for ride apps around Orlando and Miami, insurance for electric cars, roadside assistance and rental car reimbursement. Florida accepts digital proof of insurance, and the Allstate app stores your card. The caveat is that Drivewise data can feed into rating in some states, so a risky driving pattern may not save you anything.

   • ✓The lowest customer average an insurer publishes for Florida on this list
   • ✓Coverage for rideshare drivers, common in Orlando and Miami
   • ✓A long list of published discounts

   • ✕The $106 average is for liability-only, one driver, one car and no incidents
   • ✕Drivewise data can be used in rating in some states
   • ✕Full coverage prices are not published

   Florida customer average:

   $106 a month, liability-only bought online

   Telematics:

   Drivewise, up to 30%

   Switching saving:

   $900, per Allstate

   Ways to buy:

   Online, phone or agent

   Bottom line: Allstate is the best pick for Florida drivers with clean records who buy online. Its published $106 liability-only average is the lowest customer figure we found.

   Visit allstate.com ↗

3. 03

   

   Progressive

   8.6/10

   Direct and agent-sold insurer with Snapshot usage-based pricing and the Name Your Price tool.

   Price

   Customper month, higher-cost state group average

   Progressive's average for its higher-cost state group, which includes Florida, is $165.02 a month

   “Based on Progressive's data, Florida falls into a group of states that have higher auto insurance costs overall with an average of $165.02 per month.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.5

   Features (35%)

   8.8

   Ease of use (25%)

   8.6

   Best forFlorida drivers who want to compare prices online and set coverage to a budget.

   Progressive is the easiest insurer on this list to price-shop. Its Name Your Price tool lets you start from a budget and see which coverage fits, and Snapshot uses driving data from the Progressive app or a plug-in device to personalize your rate. Florida drivers can also earn loyalty rewards that grow over time and a 5-year accident-free discount. The Florida page explains the main reasons rates are high in the state, including hurricanes, flooding and a high rate of uninsured drivers, and Progressive offers catastrophe claims assistance for storm events. You can buy online, by phone or through an independent agent. On price, Progressive says Florida sits in its group of higher-cost states, with an average of $165.02 a month across that group, so it is a yardstick rather than a Florida-only figure. New customers surveyed between June 2025 and May 2026 saved $975 on average nationally, but your result depends on your record and ZIP code.

   • ✓Strong self-serve tools for comparing coverage and price
   • ✓Three ways to buy, including independent agents
   • ✓Catastrophe claims support for storm events

   • ✕Its published average covers a group of higher-cost states, not Florida alone
   • ✕Snapshot savings depend on how you drive
   • ✕Loyalty perks take years to build

   Higher-cost state group average:

   $165.02 a month

   Telematics:

   Snapshot

   Ways to buy:

   Online, phone, independent agent

   National switching saving:

   $975 average, per Progressive survey

   Bottom line: Progressive is the best tool for Florida drivers who want to compare coverage and price themselves. Its pricing tools and agent option make it a strong third quote.

   Visit progressive.com ↗

4. 04

   

   AARP Auto Insurance from The Hartford

   8.5/10

   Car insurance for AARP members and their families, offered by The Hartford since 1984.

   Price

   $158per month, Florida customer average

   The Hartford's Florida customers pay $158 to $196 a month on average

   “The Hartford’s customers pay between $158 to $196 a month for car insurance, on average.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   8.6

   Ease of use (25%)

   8.2

   Best forAARP members aged 50 and over who want strong full coverage benefits and a published Florida average.

   The AARP Auto Insurance Program from The Hartford has insured AARP members since 1984, and its Florida page says its customers in the state pay $158 to $196 a month on average. For Florida drivers who want full coverage rather than the 10/10 minimum, its benefits stand out: new car replacement pays for a new car of the same make and model if yours is totaled, the disappearing deductible shrinks your collision deductible as you drive safely, and accident forgiveness excuses a first accident once everyone on the policy has five clean years with The Hartford. Discounts are easy to stack. Starting a quote online takes off 8%, paying on time earns up to 10%, a defensive driving course adds 5%, and TrueLane gives up to 15% for joining and up to 40% at renewal. The Hartford says Florida customers save $597 on average on auto. The catch is eligibility: you need an AARP membership, so it suits drivers 50 and over and their households.

   • ✓Published Florida customer average of $158 to $196 a month
   • ✓Full coverage benefits that many insurers sell as extras
   • ✓Several discounts that are easy for retirees to earn

   • ✕Requires AARP membership
   • ✕Built around drivers aged 50 and over
   • ✕Accident forgiveness needs five accident-free years with The Hartford

   Florida customer average:

   $158 to $196 a month

   Average Florida auto saving:

   $597, per The Hartford

   Telematics:

   TrueLane, up to 40% at renewal

   AARP members since:

   1984

   Bottom line: The Hartford is the best full coverage choice for AARP members in Florida. Its built-in benefits and published state average give it strong value for older drivers.

   Visit thehartford.com ↗

5. 05

   

   USAA

   8.5/10

   Member-owned insurer for military members, veterans and their families.

   Price

   $272per month, Florida member average

   Florida members paid $272 a month on average in 2024

   “Florida members paid $272 per month on average in 2024” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.4

   Features (35%)

   8.7

   Ease of use (25%)

   8.3

   Best forActive-duty service members, veterans and their families stationed or living in Florida.

   USAA serves military members, veterans, ROTC cadets, service academy appointees and the spouses and children of members, a large group in Florida with its many bases. Its Florida page says members paid $272 a month on average in 2024, a full-policy figure that is well above the liability-only averages others publish, so compare at matching coverage. USAA says members who switched saved $960 a year on average. Two driving programs set it apart: SafePilot can earn a discount at renewal, and SafePilot Miles bills by mileage for people who drive under 8,000 miles a year, which suits service members living on base. Bundling auto with property policies saves up to 10%, and multi-vehicle and new vehicle discounts apply too. Claims and policy changes are available around the clock in the USAA Mobile App. Roadside help comes through Towing and Labor coverage, which costs extra, and membership rules keep most Floridians out.

   • ✓Publishes a Florida member average
   • ✓A mileage-based option for service members who drive little
   • ✓Members switching saved $960 a year on average, per USAA

   • ✕Only for military members, veterans and eligible family
   • ✕The Florida average dates from 2024
   • ✕Roadside assistance needs Towing and Labor coverage at extra cost

   Florida member average:

   $272 a month (2024)

   Bundle saving:

   Up to 10%

   Low-mileage option:

   SafePilot Miles, under 8,000 miles a year

   Eligibility:

   Military, veterans, cadets and family

   Bottom line: USAA is the best Florida choice for military households that qualify. Its mileage-based option and bundles add value for families who move often.

   Visit usaa.com ↗

6. 06

   

   Liberty Mutual

   8.2/10

   National insurer selling online, by phone and through agents, with the RightTrack safe driving program.

   Price

   Customper month, Florida full coverage market average

   Liberty Mutual puts Florida full coverage at about $235 a month (market average)

   “The average cost of “full” coverage car insurance in Florida is about $235 per month, or $2,820 per year.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   7.9

   Features (35%)

   8.4

   Ease of use (25%)

   8.2

   Best forFlorida drivers who also insure a boat, motorcycle or home and want one company.

   Liberty Mutual's Florida page gives one of the most current full coverage benchmarks we found: about $235 a month, or $2,820 a year, as of November 2026. That is a market average rather than Liberty Mutual's own price, but it is a useful check on any full coverage quote. RightTrack rewards good driving with savings of up to 30% on the coverages it applies to, and buying online earns an online purchase discount. The company says drivers who switch could save over $700. Where it fits Florida best is breadth. It insures boats, motorcycles, scooters and mopeds alongside cars and homes, so a household with a boat in the Keys and a scooter in Gainesville can bundle with one company. The page also reminds drivers that uninsured motorist coverage is worth considering given Florida's high rate of uninsured drivers. You can buy online, by phone or through an agent. The limits: discounts vary by channel, and RightTrack does not apply to your whole premium.

   • ✓Publishes a current Florida full coverage average
   • ✓Covers boats and two-wheelers for multi-vehicle households
   • ✓Three ways to buy

   • ✕The $235 figure is a market average, not a Liberty Mutual price
   • ✕RightTrack applies only to certain coverages
   • ✕Discounts vary by state and purchase channel

   Florida full coverage average:

   About $235 a month (November 2026)

   Telematics:

   RightTrack, up to 30%

   Switching saving:

   Over $700, per Liberty Mutual

   Ways to buy:

   Online, phone or agent

   Bottom line: Liberty Mutual is the best pick for Florida households that insure boats or motorcycles too. Its bundle options and RightTrack make it worth a quote.

   Visit libertymutual.com ↗

7. 07

   

   Mercury Insurance

   8.2/10

   Agent-sold auto insurer that pitches low Florida rates and a list of easy payment discounts.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   7.9

   Ease of use (25%)

   7.9

   Best forPrice-focused Florida drivers who want to buy through a local agent.

   Mercury Insurance sells auto policies in Florida through local agents and positions itself as a low-cost option, saying drivers save hundreds when they switch. Its value comes mostly from discounts that are easy to earn without changing how you drive: AutoPay, e-signature, good payer and pay-in-full discounts all lower the premium for paying on time and signing documents electronically. A multi-policy discount helps if you add other cover, an electric vehicle discount suits Florida's growing number of EV owners, and the MercuryGo program adds a discount for participating and for how you drive. Mercury's Florida page is a useful primer on the state's 10/10 minimum and the penalties for driving uninsured, including license, registration and tag suspension of up to three years. The downside is limited transparency. Mercury publishes no Florida price and fewer coverage extras than the national names above it, so get an agent quote at the same limits you use elsewhere.

   • ✓Several discounts that need no change in driving
   • ✓An electric vehicle discount for Florida EV owners
   • ✓Local agents to help compare coverage

   • ✕No Florida price published
   • ✕Fewer published coverage extras than larger insurers
   • ✕Its Florida page focuses on minimum coverage

   Payment discounts:

   AutoPay, e-signature, good payer, pay in full

   Telematics:

   MercuryGo

   EV discount:

   Yes

   Ways to buy:

   Local agent

   Bottom line: Mercury is a sensible budget quote for Florida drivers who want an agent. Its payment discounts help most if you pay in full or by AutoPay.

   Visit mercuryinsurance.com ↗

8. 08

   

   Travelers

   8.0/10

   Insurer sold through independent agents, with 24/7 claim reporting and the MyTravelers app.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   7.9

   Features (35%)

   8.2

   Ease of use (25%)

   7.9

   Best forFlorida drivers who prefer an independent agent and want to bundle car, home and boat.

   Travelers sells car insurance mainly through independent agents, which helps Florida drivers because the same agent can quote several companies. Its claims setup is clear: you can report a claim around the clock and follow its progress in a MyTravelers account, and the MyTravelers app also handles ID cards, adding or removing a vehicle and tracking roadside assistance. Discounts are documented: households with no accident, violation or major comprehensive claim in three to five years can get the Safe Driver Discount, and students with a B average or better may qualify for a good student discount. Bundling is its strongest Florida angle, since Travelers lets you combine auto with home, renters, boat, personal items and umbrella policies. That suits waterfront households that want a single carrier. The downsides: Travelers publishes no Florida price, we found no Florida state page, so we relied on its national car insurance page, and it says less about telematics than other insurers here.

   • ✓Independent agents can compare Travelers with other insurers
   • ✓Boat and umbrella bundles suit coastal households
   • ✓Claim progress you can follow online

   • ✕No Florida price published
   • ✕No Florida state page, so details are national
   • ✕Fewer published telematics details than rivals

   Sales channel:

   Independent agents, online and phone

   Claims:

   24/7 reporting, digital tracking

   Safe driver discount:

   Three to five clean years

   Bundles:

   Home, renters, boat, umbrella

   Bottom line: Travelers suits Florida drivers who want an independent agent and a car, home and boat bundle. Get its quote through an agent who can compare it with others.

   Visit travelers.com ↗

9. 09

   

   Root

   7.9/10

   App-based insurer that prices Florida policies around how you drive.

   Price

   Customper year, Florida full coverage market average

   Root cites a Florida full coverage market average of $3,916 a year

   “The average Florida driver pays $3,916 per year for full coverage car insurance” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   7.8

   Features (35%)

   7.6

   Ease of use (25%)

   8.6

   Best forFlorida drivers with clean records who want to quote, buy and claim in an app.

   Root is built for Florida drivers who would rather tap than talk. It promises a quote in less than 5 minutes, and once insured you can view ID cards, change your policy and file a claim in as little as 3 minutes in its app. Root says it rewards Florida drivers with lower rates and that drivers who switch can save up to $1,300 a year. It offers the full set of coverages in Florida, including full coverage, roadside assistance and optional uninsured and underinsured motorist cover, and its page explains that you must reject UM coverage in writing if you do not want it. On price, Root cites a market average of $3,916 a year for full coverage in Florida, a reminder of how expensive the state is rather than an offer. The trade-offs are clear: there are no local agents, and because pricing leans on good driving, drivers with tickets or claims will likely find better value with Acceptance or a large agent-based insurer.

   • ✓The fastest quote and claim process on this list
   • ✓Rewards good drivers with lower rates
   • ✓Drivers who switch can save up to $1,300 a year, per Root

   • ✕Built for good drivers, so others may pay more
   • ✕No local agents
   • ✕The $3,916 figure is a market average, not a Root price

   Florida full coverage average:

   $3,916 a year (market)

   Quote time:

   Less than 5 minutes

   Claim filing:

   As little as 3 minutes in the app

   Switching saving:

   Up to $1,300 a year, per Root

   Bottom line: Root is the best app-first option for Florida drivers with clean records. It ranks lower because it has no agents and suits a narrower set of drivers.

   Visit joinroot.com ↗

10. 10

    

    Acceptance Insurance

    7.5/10

    Non-standard auto insurer with local bilingual agents and policies for high-risk drivers.

    Price

    Customper month, Florida liability market average

    Acceptance estimates Florida liability coverage at about $88 a month (market average)

    “Full car insurance coverage costs around $324 per month, and liability insurance is approximately $88 per month.” Quoted from the pricing page, November 11, 2026.

    Free plan

    No

    Value (40%)

    7.8

    Features (35%)

    7.0

    Ease of use (25%)

    7.6

    Best forFlorida drivers who need SR-22, non-owner or bad credit cover and want help in English or Spanish.

    Acceptance Insurance focuses on drivers who have trouble finding cover elsewhere. Its Florida page lists policies for high-risk drivers, SR-22 filings, non-owner insurance and drivers with bad credit, and it sells through local bilingual agents, which helps in Miami, Hialeah and Orlando. Its Florida estimates are useful context: about $324 a month for full coverage and $88 a month for liability, both well above the national averages it quotes. It also publishes city figures, putting Orlando at $353 a month for full coverage and $117 for liability, Miami at $395 and $126, and Hialeah highest at $439 and $155. Those are market estimates for a 30-year-old man at the state minimum, not Acceptance's own prices. The weaknesses are depth and polish. Acceptance lists fewer coverage extras than standard insurers, and parts of its Florida page refer to Georgia, so confirm details with an agent. Drivers with clean records will usually find better value higher on this list.

    • ✓Covers drivers that standard insurers may turn down
    • ✓Bilingual help for Spanish-speaking Floridians
    • ✓Publishes Florida city cost estimates

    • ✕Its figures are market estimates, not its own prices
    • ✕Fewer coverage extras than standard insurers
    • ✕Parts of its Florida page refer to Georgia by mistake

    Florida liability estimate:

    About $88 a month (market)

    Florida full coverage estimate:

    About $324 a month (market)

    Orlando estimate:

    $353 full coverage, $117 liability (market)

    Agents:

    Local and bilingual

    Bottom line: Acceptance is the right call for Florida drivers who need an SR-22 or have been turned down elsewhere. Drivers with clean records should start higher on the list.

    Visit acceptance.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.