In Florida, car insurance is a must-have for drivers, with residents required to maintain a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability.

Whether you rely on I-4 or I-95 for your daily commute, it’s important to ensure you’re properly covered while on the road. According to Bankrate data, the average Florida driver will spend about $3,183 for full coverage per year, much higher than the national average of $2,014 per year.  

Floridians can greatly benefit from comparison shopping for their car insurance coverage. If you’re looking for car insurance in Florida, CNBC Select looked at dozens of insurance companies in the Sunshine State and found several that stood out in terms of price and customer service. (See our methodology for more information on how we chose the top Florida car insurance companies). 

Who’s this for? Florida drivers looking for both low prices and high customer satisfaction ratings will find a match with Geico’s car insurance coverage. It also ranks CNBC Select’s top pick for best overall car insurance.  

Standout benefits: Geico earned a relatively high 812 out of 1,000 in J.D. Power’s overall customer satisfaction index in Florida, putting it above the industry average for the state.  

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Who’s this for? Travelers offers affordable rates in Florida compared to other sample rates we analyzed. The company also has many discounts to help drivers save, including discounts for quoting before a policy expires, discounts for new cars less than three years old and discounts for students.  

Standout benefits: Travelers had a relatively low complaint index from the National Association of Insurance Commissioners of the companies we analyzed. It ranked seventh in customer satisfaction in Florida according to J.D. Power. 

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Who’s this for? For those who prioritize customer experience, State Farm tops the list of Florida insurers, earning 833 out of 1,000 possible points in J.D. Power’s customer satisfaction survey.  

Standout benefits: State Farm stands out with low complaint index scores and high scores for customer satisfaction, along with a relatively affordable average price.  

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Who’s this for? Military members and their spouses and families should consider USAA. While it’s limited to military families, it’s a strong option for those who are eligible and offers consistently low car insurance rates in Florida.  

Standout benefits: In addition to affordable prices, military members can benefit from excellent customer service, as USAA has consistently been rated highly for customer satisfaction in J.D. Power’s customer satisfaction index.  

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Geico has been in business since 1936 and has grown into one of the largest auto insurers in the U.S. It’s been featured on many of our best-of insurance lists and offers 16 different types of discounts.

J.D. Power overall customer satisfaction index rating  

812 out of 1,000 points 

NAIC company complaint index 

1.96 (1 is industry average) 

Average annual sample price for full coverage  

$3,510 

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Travelers first issued auto insurance in 1897, and now offers a variety of coverage across the U.S. It offers a notable discount for electric vehicles in addition to other discounts.  

J.D. Power overall customer satisfaction index rating  

879 out of 1,000 points 

NAIC company complaint index 

1.21 (1 is industry average) 

Average annual sample price for full coverage  

$3,855 

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State Farm is the largest private passenger auto insurer in the U.S. according to the NAIC, and it has earned high marks for customer satisfaction. It also offers many other types of insurance coverage, including renters and homeowners insurance, which could help you bundle policies and save. 

J.D. Power overall customer satisfaction index rating  

833 out of 1,000 points 

NAIC company complaint index 

1.41 (1 is industry average) 

Average annual sample price for full coverage  

$3,808 

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USAA is only available to those affiliated with the U.S. military, generally including military members and their spouses and children. Membership can also be passed between generations. Members have access to a number of discounts, including multi-vehicle and multi-policy discounts, a good student discount and a legacy discount. USAA also offers pay-as-you-drive car insurance and has been featured as a top pick for many other types of insurance.   

J.D. Power overall customer satisfaction index rating  

858 out of 1,000 points 

NAIC company complaint index 

1.73 (1 is industry average) 

Average annual sample price for full coverage  

$3,442 

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Floridians may pay more than the average American for car insurance coverage, but it’s possible to get the best deal for you by comparing quotes from these companies, which are highly rated for customer satisfaction and offer affordable prices.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every Florida auto insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of auto insurance products. To research the best auto insurance companies, we compiled data points on more than a dozen auto insurance companies doing business in Florida. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best auto insurance companies in Florida. 

To determine the best car insurance companies in Florida, CNBC Select analyzed dozens of U.S. insurance companies offering car insurance coverage in the state.

When narrowing down and ranking the best car insurance companies, we focused on a sample premium from the CHOICES Rate Comparison Tool from the Florida Office of Insurance Regulation for a single, 25-year-old female driving a Toyota Camry 12,000 miles per year with one minor violation and one not-at-fault accident in the previous three years. We gathered annual data for full coverage for the sample driver in Miami-Dade, Duval, Orange, Hillsborough and Pinellas counties and averaged them to find the average annual sample price for full coverage. We also gathered and considered complaint index data from the National Association of Insurance Commissioners and customer satisfaction ratings from J.D. Power’s 2023 US Auto Insurance Study.  

Note that the premiums and policy structures advertised for auto insurance companies are subject to fluctuate in accordance with the company’s policies.  

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