10 Best (and cheapest) car-insurance rates in Florida

10) Auto-Owners Insurance — Approx. $1,547 / year (company average; small-to-mid insurer well ranked for affordability)

But Source: autoinsurance.com / MoneyGeek reviews.

Pros

• Often shows below-average premiums and strong claims satisfaction.
• Good for drivers in states where Auto-Owners is available (not nationwide).

Cons

• Not available in every state/ZIP (limited distribution); you usually need an agent.
• Who it’s best for: drivers where Auto-Owners is offered and affordability + claims service matter.

How I picked these 10 (brief methodology)

1. Checked recent 2024–2025 aggregator analyses (NerdWallet, Insurify, MarketWatch/AutoInsurance.com, Bankrate) for Florida and company averages.
2. Included large national players that consistently show up as low or competitive in Florida (GEICO, State Farm, Progressive) and smaller insurers that show affordability in aggregator tables (Auto-Owners, Mercury).
3. Pulled recent published average numbers where available and labeled whether the number is a Florida figure or a company/national average. (Always confirm with your own quote.)