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4) USAA insurance — Approx. $1,600–2,060 / year (one of the cheapest on average; military only) Sources: NerdWallet / Bankrate analyses (USAA historically has the lowest average rates but serves military families). Pros Excellent customer satisfaction & consistently low average premiums for eligible members. Great claims service and military-friendly features. Cons Only available to military […]

3) Progressive insurance — Approx. $1,960 / year (company average; state adjustments may apply) Source: aggregated company pricing (autoinsurance.com / Progressive data). Pros Strong price tools (Name Your Price®, Snapshot telematics) and easy switching. Often competitive for drivers with prior incidents when compared to others. Cons This Not always lowest for every profile — compare

2) GEICO insurance — Approx. $2,360–2,400 / year (full-coverage Florida average ≈ $197/mo) how invests works But Source: MarketWatch / NerdWallet rate summaries for Florida. Pros Who it’s best for: price-sensitive drivers comfortable managing online. Fewer local agents (depends on comfort with online service). Customer satisfaction/claims experience varies regionally. Cone Frequently among the cheapest large

The 10 steps — each step is one company (price ≈ average annual full-coverage premium) Note: I show the approximate average annual full-coverage premium (Florida value when the source published a Florida number; otherwise a recent national/ insurance company average), plus the main pros & cons. 1) State Farm — Approx. $2,089 / year (full