In this article, I will cover best car insurance in Florida, focusing on top providers with regard to coverage and affordability.
If you are a safe or high-risk driver, or part of a military family, Florida has options available for every category of driver. Continue reading to discover what works best for you.
key Points & Best Car Insurance In Florida List
| Insurance Company | Key Points |
|---|---|
| Travelers | Offers extensive coverage options, strong financial strength, and good for bundling auto with home insurance. |
| State Farm | Largest auto insurer in the U.S., known for personalized service through local agents and strong claims support. |
| GEICO | Known for low rates and digital convenience; great for tech-savvy customers looking for easy online management. |
| Amica | Highly rated for customer satisfaction, offers dividend policies, and is ideal for those who value service quality. |
| USAA | Exclusively for military members and families; top-rated for customer service and affordable premiums. |
| Progressive | Competitive pricing with tools like the Name Your Price® tool; strong for high-risk drivers and usage-based insurance. |
| Allstate | Wide variety of discounts, solid financial strength, and strong local agent network. |
| The General | Targets high-risk drivers with flexible payment options but mixed reviews on customer service. |
| GAINSCO | Specializes in minimum-limits coverage for high-risk drivers; limited availability and coverage options. |
9 Best Car Insurance In Florida
1.Travelers
Travelers is one of the best car insurance providers in Florida because of their wide-ranging coverage options, their pricing, and solid financial ratings.
Along with basic policies and comprehensive coverage options, they provide add-ons like accident forgiveness, roadside assistance, and new car replacement.
In Florida, drivers can benefit from other discounts including safe driver, multi-policy, and discounts for hybrid/electric vehicles. Through Travelers’ mobile app, policy management and claim filing is simple.
Travelers remains a great choice for Florida motorists with wonderful customer service combined with a large network of agents offering the important protection that is customized to each driver’s needs.
| Feature | Details |
|---|---|
| Coverage Options | Liability, collision, comprehensive, roadside assistance, accident forgiveness |
| Discounts | Multi-policy, safe driver, hybrid/electric vehicle, new car, good student |
| Financial Strength | A++ (Superior) by A.M. Best |
| Claims Process | 24/7 claims support with online and mobile tools |
| Special Programs | IntelliDrive® usage-based insurance |
| Ideal For | Bundlers, safe drivers, hybrid vehicle owners |
2.State Farm
State Farm stands as one of the best options for car insurance in Florida due to their customer service, pricing, and multiple agents available.
Being the largest auto insurer in the country, State Farm has various coverage options for drivers in Florida which include hurricane and flooding protection.
Safe driving, bundling policies, and enrollment in Drive Safe & Save™ are some discounts available for drivers. Having 24/7 claims support coupled with industry leading customer satisfaction makes State Farm a staple option for car insurance in florida.
| Feature | Details |
|---|---|
| Coverage Options | Full auto coverage, rideshare insurance, emergency roadside, rental car |
| Discounts | Safe driver, good student, multiple vehicles, accident-free |
| Financial Strength | A++ (Superior) by A.M. Best |
| Claims Process | 24/7 claims with strong agent support |
| Special Programs | Drive Safe & Save™ for behavior-based discounts |
| Ideal For | Families, teen drivers, loyal policyholders |
3.GEICO
GEICO is a well-known car insurance company in Florida. Their competitive rates and coverage options along with outstanding digital tools make access easy. GEICO is favored among skimpminded drivers because of their low premiums without skimping on protection.
Discounted rates are available for good paying customers in Florida which include safe driving, good students, and military service discounts too.
Policy management, claims filing, and roadside assistance can all be performed through the mobile app increasing its convenience for its users.
Combined with solid financials, GEICO provides dependable customer service to Florida drivers making it popular in today’s fast-paced and often risky conditions.
| Feature | Details |
|---|---|
| Coverage Options | Liability, collision, comprehensive, mechanical breakdown insurance |
| Discounts | Military, federal employee, good driver, multi-vehicle |
| Financial Strength | A++ (Superior) by A.M. Best |
| Claims Process | Streamlined via mobile app and online tools |
| Special Programs | DriveEasy telematics program |
| Ideal For | Tech-savvy, budget-conscious drivers |
4.Amica
Amica stands out in Florida for its top-tier customer service and remarkable claims satisfaction. It holds the first position in J.D. Power’s Auto Claims Satisfaction Study and also has an A+ rating—superior—from A.M. Best for financial strength .
While premiums might be higher than the national average, Amica offers multiple discounts including bundling, loyalty, defensive driving, and advanced safety features .
Drivers in Florida enjoy tailored policies that include comprehensive, collision, PIP, UM, rental reimbursement and roadside assistance.
| Feature | Details |
|---|---|
| Coverage Options | Liability, collision, comprehensive, roadside, rental reimbursement |
| Discounts | Loyalty, bundling, defensive driving, anti-theft devices |
| Financial Strength | A+ (Superior) by A.M. Best |
| Claims Process | Highly rated for satisfaction, responsive claims team |
| Special Programs | Dividend-paying policies (optional) |
| Ideal For | Service-focused drivers, high satisfaction seekers |
5.USAA
For those affiliated with the military community, USAA is considered the best insurer for drivers in Florida.
Their premiums are consistently the lowest—approximately $2,720 to $2,973 per year—and they lead customer satisfaction placing first in Florida on J.D. Power surveys with a score of 723 .
Members have access to various discounts including safe-driving credits up to 30 %, low mileage, bundling, automatic payments, and storage on military bases.
With unmatched dependability, USAA holds an A++ financial reliability rating and tailored services focused on the military. Services only extends to current and former service members and their families.
| Feature | Details |
|---|---|
| Coverage Options | Full range: liability, collision, PIP, comprehensive, roadside, rental |
| Discounts | Military garaging, bundling, safe driving, low mileage |
| Financial Strength | A++ (Superior) by A.M. Best |
| Claims Process | Excellent service, fast and efficient for members |
| Special Programs | SafePilot® telematics program |
| Ideal For | Military personnel, veterans, and families |
6.Progressive
Progressive stands out in Florida because of its significant customization options, competitive pricing, and unique features. Their coverage is popular among many residents.
With tools like “Name Your Price®,” customers can select coverage that fits their budget, and safe drivers tend to underpay with Snapshot, a usage based program. Alongside an A+ rating from A.M.
Best for financial strength, Progressive offers more than ten types of discounts including bundling, teen driver, homeowner, and multi-vehicle discounts .
Floridians have mixed reviews; while one states “Progressive has been the best at around $220ish,” others mention complex claims and policy adjustment frustrations along with pricing inconsistencies.
Drivers seeking a robust digital experience, chargeable controls over their plan options ,and strong savings will still find Progressive ideal.
| Feature | Details |
|---|---|
| Coverage Options | Standard auto, rideshare, gap, roadside, custom parts/equipment |
| Discounts | Multi-policy, online quote, continuous insurance, teen driver |
| Financial Strength | A+ (Superior) by A.M. Best |
| Claims Process | 24/7 service, online snapshot status |
| Special Programs | Name Your Price®, Snapshot® usage-based savings |
| Ideal For | Price-sensitive, high-risk, and low-mileage drivers |
7.Allstate
Allstate boasts impressive customer satisfaction scores in Florida, ranking first in the state’s 2020 J.D. Power Auto Insurance Study.
They also received an A+ rating from A.M. Best which shows that their financial strength is solid and they have a good number of local agents .
With unique programs such as Drivewise and Milewise for low mileage drivers, Florida users can save 25-40%.
Allstate also has customization options with ride-share, accident forgiveness, GAP coverage, roadside assistance, claiming bundling discounts of up to 25% on policies.
Customer service at Allstate might be pricelined but stands out for the value offered making it a preferred choice among Floridians.
| Feature | Details |
|---|---|
| Coverage Options | Accident forgiveness, new car replacement, sound system coverage |
| Discounts | Bundling, good student, early signing, responsible payer |
| Financial Strength | A+ (Superior) by A.M. Best |
| Claims Process | Drivewise app, local agent support |
| Special Programs | Milewise (pay-per-mile), Drivewise (behavior-based) |
| Ideal For | Custom coverage seekers, tech-friendly drivers |
8.The General
The General stands out as a viable option for high-risk drivers in Florida who may have difficulty obtaining coverage from other traditional insurance companies.
The General is known for its fast quotes and flexible payment options, helping those with past accidents, poor credit, or periods of no insurance.
Its essential liability protection, collision, comprehensive coverage, and uninsured motorist protection policies are available.
Although reviews reflect mixed experiences with customer service, the availability and willingness to insure high-risk drivers adds value when competing in Florida’s strict insurance market.
| Feature | Details |
|---|---|
| Coverage Options | Liability, collision, comprehensive, SR-22 filings |
| Discounts | Limited, varies by state |
| Financial Strength | Backed by American Family Insurance |
| Claims Process | Fast online approval, mixed reviews on service |
| Special Programs | Specializes in high-risk coverage |
| Ideal For | Drivers with poor credit, DUIs, or driving record issues |
9.GAINSCO
GAINSCO stands out in Florida for providing coverage to high-risk auto insurance drivers who have difficulty obtaining insurance.
They focus on minimum-limits policies and SR-22/FR-44 filings, fulfilling a Florida requirement for drivers with DUIs or other license complications .
GAINSCO has been owned by State Farm since 2020 and is rated A– by A.M. Best, so he has good financial stability .
These includes essential coverages like liability; towing; rental reimbursement; comprehensive; collision; and uninsured motorist protection, but it is unclear how limited additional coverages are.
| Feature | Details |
|---|---|
| Coverage Options | Minimum liability, collision, comprehensive, towing, rental reimbursement |
| Discounts | Few standard discounts, depends on state |
| Financial Strength | A- (Excellent) by A.M. Best |
| Claims Process | Mixed reviews, basic online service |
| Special Programs | SR-22/FR-44 filings for high-risk drivers |
| Ideal For | High-risk drivers needing legal minimums |
Conclusion
In summary the Best Car Insurance in Florida For Floridians, each driver has unique needs. The best car insurance varies with your driving history and what you are willing to spend and how much coverage you want. For top service, choose Amica or USAA .
Budget conscious? Go with GEICO or Progressive. High-risk drivers benefit from The General or GAINSCO. In general, Florida really does have a variety of options tailored to every driver’s needs.
