Best Auto Insurance Companies in Florida

Fort Lauderdale, FL

With access to over 23 miles of sandy coasts and a sunny and warm tropical climate, Fort Lauderdale is a great beach town. It’s known as the Venice of America with more than 300 miles of inland waterways. Auto insurance in Fort Lauderdale costs $1,748 a year, which is 59% pricier than the average city in Florida. You can shave off half of those costs, however, if you go with Florida Farm Bureau, GEICO, and Travelers, the three cheapest auto insurers in Fort Lauderdale (mean annual premium $868).
This graph shows the three companies with the lowest auto insurance premiums in Fort Lauderdale

Port St. Lucie, FL

You can find the world’s largest tropical bonsai tree collection at the Heathcote Botanical Gardens or the world’s only museum on the Navy SEALs here in Port St. Lucie. Insuring a vehicle here costs about $1,258 a year – 14% costlier than elsewhere in Florida. Getting quotes from Florida Farm Bureau, GEICO, and State Farm should be a good start for cheap auto insurance in Port St. Lucie. Based on our analysis, these three averaged to $640 a year, and were 49% cheaper than the typical insurer in the city.
This chart graphs the companies with the lowest auto insurance rates in Port St. Lucie: Florida Farm Bureau, GEICO, and State Farm.

Pembroke Pines, FL

The city of Pembroke Pines is bordered by the Florida Everglades to the west and is situated for easy access to the I-75 and the Florida Turnpike highways. Its 160,000 residents can see average car insurance costs of $1,748. Our data indicates that Florida Farm Bureau, GEICO, and Travelers had cheaper rates of $868 on average, which is a 50% decrease from the citywide cost. 
This chart shows that Florida Farm Bureau, GEICO, and State Farm have the best car insurance rates in Pembroke Pines.

Gainesville, FL

Home to the University of Florida, the Florida Gators, and a resident population of 188,000, Gainesville is the 17th largest urban area in Florida. The average cost of car insurance in Gainesville is $961 per year, or 12% cheaper than the average premium paid in Florida. Florida Farm, GEICO, and Travelers had some of the cheapest rates in Gainesville, averaging about $476 a year. 

Fort Walton Beach, FL

Fort Walton Beach, located in Okaloosa County, has annual auto insurance costs of $1,014. We saw low rates in Fort Walton Beach at Florida Farm Bureau, State Farm, USAA, and GEICO, which averaged $461 for a reduction of $553 from the citywide average.

Leesburg-Eustis-Tavares, FL

$1,064 is the mean annual premium for drivers in the urban area of Leesburg, Eustis, and Tavares. The four cheapest companies from the study were Florida Farm Bureau, State Farm, Travelers, and USAA. Rates here were 47% lower than the typical company underwriting auto coverage in the city.

Panama City, FL

If you live in Panama City on Florida’s Emerald Coast. Here, the average annual auto insurance quote for motorists is $567. On the lower end are GEICO’s rates for older adults of $338, and on the higher end, are Liberty Mutual rates of $836. The lowest premium data point in our study turned up in this city: $297 per year for 50 year old males, as quoted by GEICO.

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