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

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 coverage, Florida estimate)

But Source: NerdWallet’s Florida analysis.

Pros

Large insurance agent network and strong local service.

Good discounts (multi-policy, good driver, good student).

Often shown among cheapest for many driver profiles in Florida.

Cons

Rates depend heavily on your ZIP — can be higher in some Florida metros.

Some drivers find switching friction if they want fully digital service.

Who it’s best for: drivers who want a local agent + reliable price.