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

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 members, veterans and qualifying family members. If you’re not eligible, you can’t buy it.

Who it’s best for: active duty / veterans and their families who qualify.