State by state Divisions

Jacksonville, FL

Jacksonville's 823,000 residents live in one of the most spacious cities in the United States. The city has a number of superlatives behind its name: the largest urban park network, the second biggest jazz festival, and the largest concrete cable bridge. For the largest city, Jacksonville's auto insurance costs actually aren't that expensive. The average citywide annual premium is $1,230 a year, or 12% higher than the state average. Rates for retired senior citizen couples average just $490 a year, while families with two teenagers can see rates of about $2,275 a year.

For cheap car insurance in Jacksonville, get quotes from Florida Farm Bureau, GEICO, and State Farm. These three auto insurers, in addition to USAA (limited to military families), had the cheapest costs in Jacksonville of $618 a year - savings of 50% over the average city premium.

Miami, FL

The most expensive place for car insurance in Florida is the urban metropolis of Miami. Between its miles of beaches and its three-time NBA champions, the Miami Heat, the city's residents do not shy away from high temperatures. Average premiums here are just as high. Auto insurance in Miami costs about $2,198 a year - insuring a car here easily doubles a driver’s car insurance rates compared to other Florida cities. 

There are always opportunities to save, however. If you're looking for cheap car insurance in Miami, we recommend the Florida Farm Bureau, GEICO, and Travelers (avg premium: $1,083). Going with these insurers will save drivers about 51% or $1,100 a year compared to the Miami average.

 

Tampa, FL

Located in Hillsborough County, Tampa is the third largest city in Florida with 336,000 residents. It is here that Ray Charles began his music career, and Babe Ruth hit his longest home run.

Drivers can pay on average $1,841 a year to buy auto insurance in Tampa, which is about 68% higher than the Florida average. For cheap auto insurance in Tampa, we suggest the Florida Farm Bureau, Travelers, and GEICO, which had the lowest rates in our study. Together, these companies would save you 56% compared to the average city cost with an average annual premium of $807.

St. Petersburg, FL

With over 360 days of sunshine a year, St. Petersburg is a haven of sandy retreats. Perhaps just as important as its beaches is the city's distinction of being the birthplace of commercial aviation and Major League Baseball training.

It costs on average $1,497 to insure a car for PIP and Property Damage in St. Petersburg - that's 36% higher than the state average. But if you go with Florida Farm Bureau, GEICO, and Travelers, three companies offering the most affordable rates in St. Petersburg, you can see an average rate of $713 - 52% lower than the city average.

Orlando, FL

Home to Disney’s Magic Kingdom, Universal Studio’s Islands of Adventure, and SeaWorld, Orlando is a dear national tourist destination. The Orlando Magic and 239,000 other residents also call this city home. 

Car insurance in Orlando costs about $1,417 a year averaged among our three profiles. This makes Orlando at 29% more expensive than the typical city in the Sunshine State. If you’re looking for cheap auto insurance in Orlando, Florida Farm Bureau Insurance, GEICO, and Travelers had the lowest rates in our study (excluding USAA, which, for military members, would have been the actual third cheapest). Between the three, their rates of $661 represent a 53% decrease versus the typical insurer in the city.

Hialeah, FL

The sixth largest city in Florida, Hialeah is located just nine miles northwest of Miami. Named for the pretty prairie the city was founded on, Hialeah is known for Hialeah Park, a grand Thoroughbread horse race track. Equestrians and other residents can see car insurance in Hialieah costing around $2,198, likely in large part due its proximity to Miami. For nearly half that cost, consider Florida Farm Bureau, GEICO, and Travelers, which are the lowest cost providers in the Miami-Dade County according to our analysis. 

Tallahassee, FL

181,000 residents, one pre-historic mastodon skeleton, and the largest magnet laboratory call this city home. It costs $994 to insure a car in Tallahassee, which makes it the only Top Ten city in Florida below the state’s average premium. Florida Farm Bureau, Auto-Owners Insurance, and State Farm had three of the most affordable rates in Tallahassee, averaging $428 a year. At the mid $400s level, residents are paying 50% below the city average, and 61% below the state average.