List of auto insurance companies in Florida

To find the best auto insurance companies in Florida, we looked at which companies received the fewest complaints at the Florida Office of Insurance Regulations in 2012. We consolidated individual underwriters into their parent group, since most drivers can't determine who issues their policy. Next, we weighted the companies' share of complaints by their share of premiums, and lastly looked at the thirty largest insurance groups in Florida to make it relevant to the majority of drivers.
By this metric, the top car insurance companies with the best ratings are: Amica, Allied, Auto-Owners, Florida Farm Bureau, and Progressive. As we mentioned above, Florida Farm Bureau Insurance ranked as the best auto insurance company with the lowest rates in Florida, so it's great to see that they are also one of the top-ranked auto insurers in the state. GEICO, State Farm, and Progressive, three of the largest companies in Florida, perform better than average as well with underweight complaint index numbers. At the other end were Direct General, Equity Insurance Company, and Windhaven, which received the most complaints relative to their market share size.
This is our summary of the Florida Auto Insurance Complaint Index (the lower the Complaint Index number, the better; Index of 1 = average):
RankCompanyPremiumsMarket ShareComplaint Index
1Amica$97,835,0090.7%0.1615
2Allied162,952,0761.2%0.2908
3Auto-Owners210,795,7871.5%0.3747
4Florida Farm Bureau113,513,1170.8%0.4175
5Progressive1,675,515,16812.2%0.4242
6State Farm2,454,488,84017.9%0.4505
7Allstate1,463,225,16110.7%0.4642
8Bristol West197,420,5011.4%0.4801
9AAA122,943,1640.9%0.5139
10USAA721,969,5905.3%0.5251
11Safeco190,901,6071.4%0.5792
12Nationwide80,526,5090.6%0.5885
13MetLife156,288,8751.1%0.6064
14Travelers365,551,9242.7%0.6914
15GEICO2,511,946,52118.3%0.6980
1621st Century268,896,0402.0%0.7049
17Esurance209,337,9311.5%0.7546
18Liberty Mutual272,746,8392.0%0.9266
19Hartford212,139,3891.5%0.9680
20Mercury Insurance92,266,7680.7%1.0272
21Sentry59,639,0900.4%1.8540
22Infinity Auto330,966,7952.4%2.0522
23National General97,969,7310.7%2.0960
24GAINSCO91,743,0460.7%3.4434
25United Automobile164,594,7601.2%5.5661
26Imperial Fire & Casualty39,166,2510.3%6.0494
27Ocean Harbor / Pearl Holding Group117,529,7820.9%6.3166
28Windhaven Insurance107,726,2920.8%6.5982
29Equity Ins Co36,578,5530.3%7.7729
30Direct General195,256,5141.4%7.8470

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