See Florida’s new and used car insurance cost by car values, deductibles and credit scores.
Florida drivers pay roughly 40-45% more for car insurance than the national average. High claim frequency, no-fault insurance rules, and weather-related risks all push premiums higher than most other states.
Once ready, see the best local and statewide car insurers.
Curious about car financing? See real Florida car loan rates shared by our community. Also find Florida best car loan lenders in your area (also community recommended).
Florida’s PIP and PDL $10,000 Minimums
Florida requires two types of coverage to register a vehicle:
Personal Injury Protection (PIP): $10,000 minimum. This covers 80% of your medical expenses and 60% of lost wages after an accident, regardless of who caused it. Your own policy pays first — that’s what “no-fault” means.
Property Damage Liability (PDL): $10,000 minimum. This pays for damage you cause to someone else’s property; their car, fence, mailbox, or building.
Florida does not require coverage for injuries you cause to other people. Only one other state (NH) skips this requirement. If you injure someone in an accident and don’t carry this coverage, you’re personally responsible for their medical bills, lost income, and any lawsuit they file against you.
MFP Tip: The $10,000 property damage minimum rarely covers real world damage. A fender bender with a newer vehicle can easily exceed this amount, leaving you to pay the difference out of pocket.
Florida New Car Insurance Cost
Your new car monthly premium depends on three main factors: the value of your car, how much coverage you carry, and your credit score. The table below shows estimated monthly costs across different scenarios.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $60K | Full | $313 | $364 | $397 | $642 |
| Standard | $263 | $306 | $334 | $539 | |
| Liability only | $177 | $206 | $224 | $362 | |
| $40K-$60K | Full | $265 | $309 | $336 | $543 |
| Standard | $221 | $257 | $280 | $452 | |
| Liability only | $151 | $176 | $192 | $310 | |
| $25K-$40K | Full | $232 | $269 | $293 | $474 |
| Standard | $192 | $224 | $244 | $393 | |
| Liability only | $134 | $156 | $170 | $275 | |
| Below $25K | Full | $203 | $236 | $257 | $416 |
| Standard | $167 | $194 | $212 | $342 | |
| Liability only | $118 | $138 | $150 | $242 |
Florida Used Car Insurance Cost
Your used car monthly premium depends on three main factors: the value of your car, how much coverage you carry, and your credit score.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $40K | Full | $237 | $276 | $300 | $485 |
| Standard | $198 | $230 | $251 | $405 | |
| Liability only | $136 | $158 | $172 | $277 | |
| $15K-$40K | Full | $198 | $230 | $251 | $405 |
| Standard | $164 | $191 | $208 | $335 | |
| Liability only | $115 | $133 | $145 | $235 | |
| Below $15K | Full | $166 | $193 | $210 | $340 |
| Standard | $135 | $157 | $172 | $277 | |
| Liability only | $98 | $114 | $124 | $200 |
Understanding Coverage Levels
Full Coverage: Pays to repair or replace your car (collision and comprehensive) plus covers damage and injuries you cause to others, with higher limits (typically $100,000 per person / $300,000 per accident for injuries, $100,000 for property). Best for newer cars, financed vehicles, or anyone who couldn’t afford to replace their car out of pocket.
Standard Coverage: Same protections as full coverage but with lower limits and higher out-of-pocket costs when you file a claim. A middle-ground option that balances protection and cost.
Liability Only: Covers damage and injuries you cause to others, but nothing for your own vehicle. Makes sense for older cars where the yearly premium would exceed the car’s value over a few years.
Credit Scores Can Double Your Florida Premium
In Florida, insurers use your credit history to set premiums. Two drivers with identical cars and driving records can pay vastly different amounts based on credit alone.
Drivers with excellent credit (750+) pay the lowest rates across every coverage level and car value. Those with fair credit (650-699) typically pay 15-20% more. Drivers with below-fair credit (under 650) often pay 50-65% more than someone with excellent credit for the exact same policy.
This credit penalty compounds with other factors. A driver with poor credit insuring an expensive car with full coverage faces premiums that can be double or triple what a high-credit driver pays for the same vehicle.
MFP Tip: Before shopping for car insurance, check your credit report for errors. Disputing inaccuracies and improving your score — even by 50 points — can lower your premium more than most discounts.
New Car vs. Used Car: Coverage Decisions in a High-Cost State
New Cars
If you finance or lease a new car, your lender requires full coverage until you pay off the loan. You don’t have a choice here.
Even if you buy outright, full coverage makes sense for new vehicles. A totaled $40,000 car with only liability coverage means you absorb the entire loss.
Gap insurance is worth adding for new cars. If your car is totaled, standard insurance pays the current market value — which drops the moment you drive off the lot. Gap insurance pays the difference between what you owe on your loan and what the insurer pays out. Most lenders offer this at purchase, but standalone policies from insurers often cost less.
Used Cars
The decision gets more nuanced with used vehicles. The key question: does paying for collision and comprehensive coverage make financial sense given your car’s value?
Here’s a simple test. Look up your car’s current market value (check Kelley Blue Book or similar). Multiply by 10%. If your annual collision and comprehensive premium exceeds that number, liability-only coverage may be the better bet.
Example: Your car is worth $8,000. Ten percent is $800. If your collision and comprehensive costs $900/year, you’re paying more than 10% of the car’s value just to insure against total loss. At that ratio, you’d break even in less than nine years of premium payments — and cars depreciate faster than that.
MFP Tip: Reassess your coverage each year. A car worth $20,000 three years ago may only be worth $12,000 today. The coverage that made sense at purchase might not make sense now.
No Bodily Injury Requirement? Here’s Why That’s a Problem
The $10,000 minimums look affordable on paper. In practice, they create gaps that can wreck your finances.
When You Damage Someone’s Property
Average vehicle repair costs after a collision exceed $4,000 for minor damage. A moderate accident with a newer SUV or truck can hit $15,000-$25,000. Your $10,000 PDL limit covers part of that. You owe the rest.
If You Injure Someone
Florida doesn’t require coverage for injuries you cause, but injuries don’t care about state minimums. If you cause an accident that hurts someone, they can sue you directly. Medical bills, lost wages, and pain and suffering claims regularly reach six figures. Without coverage, your personal assets — savings, home equity, future wages — are on the table.
1 in 5 Florida Drivers Has No Insurance
About 20% of Florida drivers carry no insurance at all. If one of them hits you, your PIP covers some medical costs, but nothing for your car damage or injuries beyond PIP limits. Uninsured motorist coverage fills this gap. It’s optional in Florida but worth serious thought given the odds.
MFP Tip: Uninsured motorist coverage typically adds $50-100 per year to your premium. Given that 1 in 5 Florida drivers has no insurance, it’s some of the cheapest protection you can buy.
Hurricanes, No-Fault, and I-95: What Shapes Florida Rates
Your Policy Pays First, Even When It’s Not Your Fault
Florida’s no-fault system means your own PIP coverage pays your medical bills first, regardless of who caused the accident. This reduces lawsuits for minor injuries but also means you’re dipping into your own coverage even when someone else hits you.
Hurricane and Flood Risk
Comprehensive coverage pays for weather damage — falling trees, hail, flooding. In Florida, this matters more than most states. A hurricane can total a car parked in your own driveway. If you live in a flood-prone area, check whether your policy covers flood damage or requires an add-on.
Where You Live
Rates vary by ZIP code based on local accident rates, traffic density, and theft. Drivers in Miami-Dade, Broward, and Hillsborough counties typically pay more than drivers in rural areas — sometimes 20-30% more for identical coverage.
How to Cut Costs in Florida’s Expensive Insurance Market
Bundle home and auto. Most insurers offer 10-25% discounts when you carry multiple policies. If you rent, renters insurance bundled with auto often qualifies for the same discount.
Take a defensive driving course. Florida-approved courses can reduce your premium by up to 10%. The course takes a few hours and the discount typically lasts three years.
Ask about safe-driver tracking programs. Some insurers offer apps or devices that monitor your driving habits. Safe drivers can earn discounts of 10-30%. If you don’t drive much or avoid hard braking, this can pay off.
Compare quotes from multiple carriers. Florida’s insurance market is competitive, with dozens of insurers. Rates for identical coverage can vary by hundreds of dollars per year between companies. Get at least three quotes before deciding.
Raise your deductible. Moving from a $500 to a $1,000 deductible (the amount you pay out of pocket before insurance kicks in) typically lowers your premium by 15-20%. Just make sure you can cover the higher amount if you need to file a claim.
Just Bought a Car in Florida? Here’s Your Checklist
Get Insurance Before You Drive
Florida has no grace period for new vehicle purchases. You need proof of insurance before driving off the lot. If you’re buying from a dealer, they won’t release the car without it. If you’re buying private-party, you’re uninsured the moment you take the keys without a policy in place.
Call your insurer before finalizing the purchase. Most can add a vehicle to your policy within minutes and email proof of insurance immediately.
Register and Title Your Vehicle
Within 30 days of purchase, visit your local tax collector’s office to register and title the car. Bring:
- Proof of Florida insurance.
- The signed title (or dealer paperwork).
- A valid ID.
- Payment for taxes and fees.
Review Coverage Annually
Your car loses value every year. The full coverage that made sense for a new $35,000 car may not make sense when that car is worth $18,000 five years later. Check your coverage at each renewal and adjust based on your car’s current value.
Florida Best Car Insurance
Find Florida best local insurers by metro areas based on community recommendations
Miami, Fort Lauderdale, Palm Beach, Tampa, Orlando, St. Petersburg, Jacksonville, Fort Myers, Lakeland, Palm Bay
Miami Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Miami’s area are E&L Insurance Services, Ana Patricia Arguello, agent, GreatFlorida Insurance and Toscano Insurance Group.
E&L Insurance Services (94% Recommend)
- Leads the Miami table with a 94% Recommend score, the highest Support & Guidance rating at 5.0, and a strong 4.8 Terms & Premium Satisfaction rating.
- Drivers tend to like that the team explains the options clearly, follows up quickly, and makes the coverage decision feel less stressful.
Ana Patricia Arguello, agent, GreatFlorida Insurance (93% Recommend)
- Ranks second with a 93% Recommend score, matching E&L with a 4.9 Easy Application rating and posting a 4.9 Support & Guidance rating.
- Customers often point to the hands-on help, especially when they want someone local to walk them through quotes and coverage choices.
Toscano Insurance Group (92% Recommend)
- Ranks third with a 92% Recommend score, supported by a 4.8 Easy Application rating, 4.8 Terms rating, and 4.9 Support & Guidance rating.
- People like that the agency helps compare policies without making the process feel complicated or rushed.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| E&L Insurance Services | Agency | 4.9 | 4.8 | 5.0 | 94% |
| Ana Patricia Arguello, agent, GreatFlorida Insurance | Agency | 4.9 | 4.7 | 4.9 | 93% |
| Toscano Insurance Group | Agency | 4.8 | 4.8 | 4.9 | 92% |
| Univista Insurance | Agency | 4.8 | 4.6 | 4.8 | 90% |
| Florida One Insurance Agency | Agency | 4.7 | 4.6 | 4.7 | 89% |
| Prestige Insurance Group | Agency | 4.7 | 4.6 | 4.6 | 88% |
| Manny Morin, agent, State Farm | Insurer | 4.6 | 4.5 | 4.7 | 87% |
| Jorge Milanes, agent, GEICO | Insurer | 4.7 | 4.5 | 4.5 | 86% |
| Mercury Insurance | Insurer | 4.6 | 4.5 | 4.4 | 85% |
| Progressive | Insurer | 4.8 | 4.4 | 4.3 | 84% |
| Travelers | Insurer | 4.5 | 4.4 | 4.3 | 83% |
| Allstate | Insurer | 4.5 | 4.3 | 4.5 | 82% |
| Direct Auto Insurance | Insurer | 4.6 | 4.1 | 4.2 | 81% |
| Checkmark Insurance | Agency | 4.5 | 4.2 | 4.3 | 80% |
| Butler, Buckley, Deets | Agency | 4.3 | 4.3 | 4.4 | 79% |
Fort Lauderdale Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Fort Lauderdale’s area are GreatFlorida Insurance, Brightway Insurance and Freeway Insurance.
GreatFlorida Insurance (92% Recommend)
- Ranks first in Fort Lauderdale with a 92% Recommend score, a 4.8 Easy Application rating, and the highest Support & Guidance rating among the top 3 at 4.9.
- Drivers seem to value the local agent model because it gives them someone to call when they want help comparing coverage instead of shopping alone.
Brightway Insurance (90% Recommend)
- Ranks second with a 90% Recommend score, tied for the top Terms & Premium Satisfaction rating among the top 3 at 4.7.
- Customers often like that the agency can shop more than one carrier, which helps when prices change quickly in Florida.
Freeway Insurance (88% Recommend)
- Ranks third with an 88% Recommend score, a 4.7 Easy Application rating, and a 4.5 Support & Guidance rating.
- People usually choose Freeway when they want quick quote help and a straightforward way to compare options for required coverage.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| GreatFlorida Insurance | Agency | 4.8 | 4.7 | 4.9 | 92% |
| Brightway Insurance | Agency | 4.7 | 4.7 | 4.8 | 90% |
| Freeway Insurance | Broker | 4.7 | 4.5 | 4.5 | 88% |
| Estrella Insurance | Agency | 4.6 | 4.5 | 4.6 | 87% |
| Univista Insurance | Agency | 4.6 | 4.4 | 4.6 | 86% |
| GEICO | Insurer | 4.8 | 4.4 | 4.2 | 84% |
| Progressive | Insurer | 4.8 | 4.4 | 4.2 | 83% |
| State Farm | Insurer | 4.5 | 4.4 | 4.5 | 82% |
| Allstate | Insurer | 4.5 | 4.3 | 4.4 | 81% |
| Mercury Insurance | Insurer | 4.5 | 4.4 | 4.2 | 80% |
| Travelers | Insurer | 4.4 | 4.3 | 4.2 | 79% |
| Direct Auto Insurance | Insurer | 4.5 | 4.1 | 4.2 | 78% |
| Comparion Insurance Agency | Agency | 4.4 | 4.2 | 4.3 | 77% |
| Acceptance Insurance | Agency | 4.4 | 4.0 | 4.2 | 76% |
| Nationwide | Insurer | 4.3 | 4.1 | 4.2 | 75% |
Palm Beach Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Palm Beach’s area are Brian Lariviere, agent, GreatFlorida Insurance, Brightway Insurance and Mercury Insurance.
Brian Lariviere, agent, GreatFlorida Insurance (94% Recommend)
- Leads Palm Beach with a 94% Recommend score, a 4.9 Easy Application rating, and the highest Support & Guidance rating in the table at 5.0.
- Drivers like having a local agent who can explain Florida coverage choices and help them compare rates without feeling pushed into one option.
Brightway Insurance (89% Recommend)
- Ranks second with an 89% Recommend score, a 4.7 Easy Application rating, and a 4.7 Support & Guidance rating.
- Customers tend to appreciate the carrier-shopping approach, especially when they are trying to balance price, coverage, and household budget.
Mercury Insurance (86% Recommend)
- Ranks third with an 86% Recommend score and a 4.5 Terms & Premium Satisfaction rating, the best Terms rating among the direct insurers listed for Palm Beach.
- Drivers who like Mercury usually mention helpful service and competitive pricing when they are shopping for a better auto insurance fit.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Brian Lariviere, agent, GreatFlorida Insurance | Agency | 4.9 | 4.8 | 5.0 | 94% |
| Brightway Insurance | Agency | 4.7 | 4.6 | 4.7 | 89% |
| Mercury Insurance | Insurer | 4.6 | 4.5 | 4.4 | 86% |
| GEICO | Insurer | 4.8 | 4.4 | 4.2 | 84% |
| Progressive | Insurer | 4.8 | 4.3 | 4.2 | 83% |
| State Farm | Insurer | 4.5 | 4.4 | 4.5 | 82% |
| Allstate | Insurer | 4.5 | 4.2 | 4.4 | 80% |
| Travelers | Insurer | 4.4 | 4.3 | 4.2 | 79% |
| Direct Auto Insurance | Insurer | 4.5 | 4.0 | 4.1 | 77% |
| Comparion Insurance Agency | Agency | 4.4 | 4.1 | 4.3 | 76% |
Tampa Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Tampa’s area are Comparion Insurance Agency, Mercury Insurance and Direct Auto Insurance.
Comparion Insurance Agency (89% Recommend)
- Ranks first in Tampa with an 89% Recommend score, the highest Support & Guidance rating among the top 3 at 4.8, and a 4.6 Terms rating.
- Drivers often like that they can work with a local agent while still comparing multiple insurance options instead of calling each company separately.
Mercury Insurance (87% Recommend)
- Ranks second with an 87% Recommend score and the highest Terms & Premium Satisfaction rating among the top 3 at 4.7.
- Customers who mention Mercury positively usually focus on helpful service, clear answers, and rates that feel competitive for Florida drivers.
Direct Auto Insurance (84% Recommend)
- Ranks third with an 84% Recommend score, matching Mercury with a 4.6 Easy Application rating while posting a 4.3 Support & Guidance rating.
- Drivers tend to choose Direct Auto when they want a nearby office, simple quote help, and a practical path to getting insured quickly.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Comparion Insurance Agency | Agency | 4.6 | 4.6 | 4.8 | 89% |
| Mercury Insurance | Insurer | 4.6 | 4.7 | 4.4 | 87% |
| Direct Auto Insurance | Insurer | 4.6 | 4.2 | 4.3 | 84% |
| Progressive | Insurer | 4.8 | 4.4 | 4.2 | 83% |
| GEICO | Insurer | 4.8 | 4.3 | 4.2 | 82% |
| State Farm | Insurer | 4.5 | 4.3 | 4.5 | 81% |
| Allstate | Insurer | 4.5 | 4.2 | 4.4 | 80% |
| Travelers | Insurer | 4.4 | 4.3 | 4.2 | 79% |
| Freeway Insurance | Broker | 4.5 | 4.1 | 4.2 | 78% |
| Acceptance Insurance | Agency | 4.4 | 4.0 | 4.1 | 76% |
Orlando Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Orlando’s area are GreatFlorida Insurance, State Farm and GEICO.
GreatFlorida Insurance (90% Recommend)
- Ranks first in Orlando with a 90% Recommend score, the highest Support & Guidance rating in the top 3 at 4.8, and a 4.6 Terms rating.
- Drivers seem to like the local-agent help because it gives them a clearer way to compare coverage instead of guessing what they need online.
State Farm (85% Recommend)
- Ranks second with an 85% Recommend score, a 4.5 Support & Guidance rating, and a 4.4 Terms & Premium Satisfaction rating.
- Customers who prefer State Farm often mention that having an agent nearby makes it easier to ask questions and adjust coverage when life changes.
GEICO (84% Recommend)
- Ranks third with an 84% Recommend score and the highest Easy Application rating among the top 3 at 4.8.
- Drivers tend to like GEICO when they want a fast quote, simple online tools, and an easy way to compare prices before choosing a policy.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| GreatFlorida Insurance | Agency | 4.7 | 4.6 | 4.8 | 90% |
| State Farm | Insurer | 4.5 | 4.4 | 4.5 | 85% |
| GEICO | Insurer | 4.8 | 4.4 | 4.2 | 84% |
| Progressive | Insurer | 4.8 | 4.3 | 4.2 | 83% |
| Brightway Insurance | Agency | 4.6 | 4.4 | 4.6 | 82% |
| Allstate | Insurer | 4.5 | 4.2 | 4.4 | 81% |
| Travelers | Insurer | 4.4 | 4.3 | 4.2 | 80% |
| Mercury Insurance | Insurer | 4.5 | 4.4 | 4.1 | 79% |
| Freeway Insurance | Broker | 4.5 | 4.0 | 4.2 | 77% |
| Direct Auto Insurance | Insurer | 4.5 | 4.0 | 4.1 | 76% |
St. Petersburg Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in St. Petersburg’s area are Crown Insurance Inc., Freeway Insurance and Direct Auto Insurance.
Crown Insurance Inc. (91% Recommend)
- Ranks first in St. Petersburg with a 91% Recommend score, a 4.8 Support & Guidance rating, and the top Terms rating among the top 3 at 4.6.
- Drivers seem to appreciate that the agency follows up, explains the switch clearly, and makes the process feel comfortable.
Freeway Insurance (85% Recommend)
- Ranks second with an 85% Recommend score, a 4.6 Easy Application rating, and a 4.3 Support & Guidance rating.
- Customers often choose Freeway when they want quick help comparing quotes and getting basic auto coverage set up without much friction.
Direct Auto Insurance (83% Recommend)
- Ranks third with an 83% Recommend score, matching Freeway with a 4.6 Easy Application rating and posting a 4.2 Support & Guidance rating.
- Drivers tend to use Direct Auto when they want a local office, flexible quote help, and a simple way to get coverage started.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Crown Insurance Inc. | Agency | 4.7 | 4.6 | 4.8 | 91% |
| Freeway Insurance | Broker | 4.6 | 4.2 | 4.3 | 85% |
| Direct Auto Insurance | Insurer | 4.6 | 4.1 | 4.2 | 83% |
| Progressive | Insurer | 4.8 | 4.3 | 4.2 | 82% |
| GEICO | Insurer | 4.8 | 4.3 | 4.1 | 81% |
| State Farm | Insurer | 4.5 | 4.3 | 4.5 | 80% |
| Allstate | Insurer | 4.5 | 4.2 | 4.4 | 79% |
| Mercury Insurance | Insurer | 4.5 | 4.4 | 4.1 | 78% |
| Travelers | Insurer | 4.4 | 4.2 | 4.1 | 77% |
| Acceptance Insurance | Agency | 4.4 | 4.0 | 4.1 | 75% |
Jacksonville Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Jacksonville’s area are Augustyniak Insurance Group, Mercury Insurance and Direct Auto Insurance.
Augustyniak Insurance Group (95% Recommend)
- Leads Jacksonville with a 95% Recommend score, the highest Support & Guidance rating in the table at 5.0, and a 4.9 Easy Application rating.
- Drivers often mention that the staff works hard to find a policy that fits, which makes the agency stand out for shoppers who want more than a quick quote.
Mercury Insurance (86% Recommend)
- Ranks second with an 86% Recommend score and the highest Terms & Premium Satisfaction rating among the top 3 at 4.5.
- Customers who speak positively about Mercury usually focus on helpful representatives, clear service, and prices that feel reasonable.
Direct Auto Insurance (83% Recommend)
- Ranks third with an 83% Recommend score, a 4.6 Easy Application rating, and a 4.2 Support & Guidance rating.
- Drivers tend to choose Direct Auto when they want a nearby office and a straightforward path to getting a policy started.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Augustyniak Insurance Group | Agency | 4.9 | 4.8 | 5.0 | 95% |
| Mercury Insurance | Insurer | 4.6 | 4.5 | 4.4 | 86% |
| Direct Auto Insurance | Insurer | 4.6 | 4.2 | 4.2 | 83% |
| Progressive | Insurer | 4.8 | 4.3 | 4.2 | 82% |
| GEICO | Insurer | 4.8 | 4.3 | 4.1 | 81% |
| State Farm | Insurer | 4.5 | 4.3 | 4.5 | 80% |
| Allstate | Insurer | 4.5 | 4.2 | 4.4 | 79% |
| Brightway Insurance | Agency | 4.5 | 4.2 | 4.4 | 78% |
| Travelers | Insurer | 4.4 | 4.2 | 4.1 | 77% |
| Freeway Insurance | Broker | 4.5 | 4.0 | 4.1 | 76% |
Fort Myers Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Fort Myers’s area are Brian Lariviere, agent, GreatFlorida Insurance, Chapman Insurance Group and Direct Auto Insurance.
Brian Lariviere, agent, GreatFlorida Insurance (96% Recommend)
- Leads Fort Myers with a 96% Recommend score, the highest Easy Application rating at 5.0, and the highest Support & Guidance rating at 5.0.
- Drivers like that the agency pairs local help with carrier comparison, which is useful when they are trying to control costs in Florida.
Chapman Insurance Group (91% Recommend)
- Ranks second with a 91% Recommend score, a 4.8 Support & Guidance rating, and a strong 4.7 Terms & Premium Satisfaction rating.
- Customers tend to value the agency’s practical help finding coverage that feels reliable without making the shopping process overwhelming.
Direct Auto Insurance (83% Recommend)
- Ranks third with an 83% Recommend score, a 4.6 Easy Application rating, and a 4.2 Support & Guidance rating.
- Drivers often choose Direct Auto when they want nearby quote help and a simple process for getting coverage in place.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Brian Lariviere, agent, GreatFlorida Insurance | Agency | 5.0 | 4.9 | 5.0 | 96% |
| Chapman Insurance Group | Agency | 4.8 | 4.7 | 4.8 | 91% |
| Direct Auto Insurance | Insurer | 4.6 | 4.2 | 4.2 | 83% |
| Progressive | Insurer | 4.8 | 4.3 | 4.2 | 82% |
| GEICO | Insurer | 4.8 | 4.3 | 4.1 | 81% |
| State Farm | Insurer | 4.5 | 4.3 | 4.5 | 80% |
| Allstate | Insurer | 4.5 | 4.2 | 4.4 | 79% |
| Mercury Insurance | Insurer | 4.5 | 4.4 | 4.1 | 78% |
Lakeland Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Lakeland’s area are Donna Todd, agent, GreatFlorida Insurance, State Farm and GEICO.
Donna Todd, agent, GreatFlorida Insurance (95% Recommend)
- Leads Lakeland with a 95% Recommend score, the highest Support & Guidance rating at 5.0, and the strongest Easy Application rating at 4.9.
- Drivers like that the agency feels local and approachable, especially when they want someone to explain what coverage actually makes sense.
State Farm (84% Recommend)
- Ranks second with an 84% Recommend score, a 4.5 Support & Guidance rating, and a 4.3 Terms & Premium Satisfaction rating.
- Customers who prefer State Farm often want an agent relationship, not just a price quote, when they have questions about coverage or claims.
GEICO (83% Recommend)
- Ranks third with an 83% Recommend score and the highest Easy Application rating among the direct insurers listed at 4.8.
- Drivers usually like GEICO for fast quoting and easy online tools, especially when they want to compare prices quickly.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Donna Todd, agent, GreatFlorida Insurance | Agency | 4.9 | 4.8 | 5.0 | 95% |
| State Farm | Insurer | 4.5 | 4.3 | 4.5 | 84% |
| GEICO | Insurer | 4.8 | 4.3 | 4.1 | 83% |
| Progressive | Insurer | 4.8 | 4.3 | 4.1 | 82% |
| Allstate | Insurer | 4.5 | 4.2 | 4.4 | 80% |
| Mercury Insurance | Insurer | 4.5 | 4.4 | 4.1 | 79% |
| Direct Auto Insurance | Insurer | 4.5 | 4.0 | 4.1 | 77% |
| Freeway Insurance | Broker | 4.4 | 4.0 | 4.1 | 76% |
Palm Bay Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Palm Bay’s area are Sabrina Lee, agent, GreatFlorida Insurance, Sarpoolaki Insurance Center and Monty McCart, agent, Allstate.
Sabrina Lee, agent, GreatFlorida Insurance (94% Recommend)
- Leads Palm Bay with a 94% Recommend score, the highest Easy Application rating at 4.9, and the highest Support & Guidance rating at 4.9.
- Drivers like that the agency is easy to work with and that the team can explain coverage in a way that feels practical.
Sarpoolaki Insurance Center (89% Recommend)
- Ranks second with an 89% Recommend score, a 4.7 Support & Guidance rating, and a 4.6 Terms & Premium Satisfaction rating.
- Customers tend to appreciate having a local agency that can look across options and help them protect what matters without overcomplicating it.
Monty McCart, agent, Allstate (84% Recommend)
- Ranks third with an 84% Recommend score, a 4.5 Easy Application rating, and a 4.4 Support & Guidance rating.
- Drivers who like this office often mention dependable service and the comfort of having a local agent for questions and policy changes.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Sabrina Lee, agent, GreatFlorida Insurance | Agency | 4.9 | 4.8 | 4.9 | 94% |
| Sarpoolaki Insurance Center | Agency | 4.7 | 4.6 | 4.7 | 89% |
| Monty McCart, agent, Allstate | Insurer | 4.5 | 4.2 | 4.4 | 84% |
| Direct Auto Insurance | Insurer | 4.6 | 4.1 | 4.2 | 83% |
| Progressive | Insurer | 4.8 | 4.3 | 4.1 | 82% |
| GEICO | Insurer | 4.8 | 4.3 | 4.1 | 81% |
| State Farm | Insurer | 4.5 | 4.3 | 4.5 | 80% |
| Mercury Insurance | Insurer | 4.5 | 4.4 | 4.1 | 79% |
End Note
Florida’s minimum requirements keep you legal but leave you exposed. Base your coverage decisions on your car’s actual value, your ability to absorb a loss, and the real costs of accidents — not just state minimums.
Use the rate tables above to estimate what you’ll pay, then shop around. A few hours comparing quotes can save you hundreds per year without sacrificing the protection you need.