| Age Range | Best Insurance Company | Average Annual Comprehensive Premium | Why Are They the Best? | FIXD Insurance Rating (Out of 5) |
| 18-24 | GEICO | $2900 | Competitive rates and adequate customer satisfaction | 3.7 |
| 25-34 | GEICO | $1650 | Lowest rates and good customer satisfaction | 3.7 |
| 35-44 | Farmers Insurance | $900 | Competitive rates with great customer satisfaction | 3.9 |
| 45-54 | Hartford | $900 | Lowest rates with great customer satisfaction | 3.9 |
| 55-64 | Farmers Insurance | $1500 | High customer satisfaction with competitive rate | 3.9 |
| 65 or older | Auto-Owners | $1700 | Lowest rate and excellent customer satisfaction | 4.6 |
Have you been frustrated with your car insurance company lately? Or have you recently moved to Florida? Perhaps you need to add a new teen to your policy and want to shop around.
The great news is that many insurance companies offer good to outstanding customer service in Florida, and you can shop around to find the most competitive rate.
Keep reading to discover the best car insurance providers in Florida and compare the average rates. We used data from Florida’s FIXD users to provide a fresh perspective on auto insurance companies for Florida residents.
As we share our findings on the best car insurance in Florida, we’ll also offer tips and tricks from an independent insurance agent on finding the best policies and rates!
Florida’s Best Car Insurance Companies
Florida’s best car insurance companies are Farmers Insurance, Auto Owners, USAA, Hartford, and GEICO. We recommend getting quotes from these auto insurance providers because they have the most satisfied customers in Florida.
Pro-tip
If getting lots of quotes sounds like too much of a hassle, save yourself some time and effort by working with an independent insurance agent. The agent works on your behalf to get quotes from multiple companies and present policy options to you.
To compare auto insurance companies in Florida, we offered a survey to FIXD users in Florida. We were able to compare customer satisfaction and insurance premiums for both major national insurance brands and more localized insurance providers.
Comprehensive auto insurance offers the most financial protection for drivers, so we compared rates for full insurance coverage to make our recommendations. You can read more about our methodology later on.
| Best Car Insurance Companies in Florida | Why? | FIXD User Average Rating(Out of 5) |
| Farmers Insurance | Lowest average rates, fair claims resolution, and great customer satisfaction | 3.9 |
| Auto Owners | Has outstanding customer satisfaction and offers fairly competitive rates | 4.6 |
| Hartford | Great customer satisfaction and competitive rates for older adults | 3.9 |
| USAA | Consistent customer satisfaction and potentially low auto rates | 4.0 |
| GEICO | Some of the most competitive rates and good customer satisfaction | 3.7 |
Florida’s Best Overall Insurance Company: Farmers Insurance
Farmers Insurance is the best overall insurance provider for residents of Florida. The car insurance company offers the lowest average premiums without compromising customer satisfaction. If you’re looking for a new insurance carrier in Florida, get a quote from Farmers Insurance.
| Company Info | Farmers Insurance |
| Founded | 1928 |
| Headquarters | Woodland Hills, CA |
| Phone Number | 1-888-327-6335 |
| Website | https://www.farmers.com/ |
| Products | Insurance for vehicles, homes, life, and businesses |
| Population Served | The United States of America |
Average Years as a Customer at Farmers Insurance: 2.0 years is the average amount of time that Florida FIXD users with Farmers Insurance have been customers.
How many customers hear back within 10 minutes? 60% of Farmers Insurance policyholders in the FIXD survey heard back within 10 minutes of contacting the company.
How quickly are Claims Resolved? Half of all claims were resolved within two weeks according to FIXD survey respondents who had filed a claim with Farmers Insurance.
Customer Satisfaction with Claims: 100% of claim resolutions through Farmers Insurance felt fair according to FIXD survey takers who had filed a claim.
How to sign up with Farmers: You can sign up with Farmers Insurance online, through an agent, or by calling customer service for assistance at 1-888-327-6335.
Popular Farmers Insurance Discounts according to FIXD Survey: The most popular discounts with Farmers Insurance according to Florida FIXD users included
- 50% qualified for a safe driver discount
- 33% bundled their home and auto insurance
- 33% claimed an anti-theft device discount
- 17% enjoy a discount for having multiple cars on the policy
Farmers Insurance Average Annual Rates
| *Farmers Insurance Average Annual Rates for Comprehensive Coverage | ||
| Average Overall | Male | Female |
| $1575 | $1950 | $1200 |
Pro-tip
It’s often hard to compare rates between large national insurance brands and smaller local insurance companies because there are fewer responses to compare. Don’t be afraid to ask your insurance agent to get quotes from smaller brands with outstanding customer satisfaction.
Florida’s Best Car Insurance Companies by Age Groups
Car insurance companies specialize insurance offerings for a certain demographic. The company uses marketing tactics and offers competitive rates for its prime demographic. Demographics may be risk categories or age groups.
Because of this, car insurance rates may be competitive for some age groups but not others. Finding a car insurance provider that caters to your demographic will help you find the best rates and highest satisfaction with your insurance carrier in Florida.
Here is a list of the best insurance companies in Florida based on different ages:
The Best Car Insurance Company for 18 to 24-Year-Olds in Florida: GEICO
GEICO is the best provider for 18 to 24-year-olds because they offer competitive rates for young drivers. Keep in mind that the best insurance company will depend on whether the young driver is added to an existing policy or getting their own policy for the first time.
|
Company Info |
GEICO (Government Employees Insurance Company) |
|
Founded |
1936 |
|
Headquarters |
Chevy Chase, MD |
|
Phone Number |
1-800-207-7847 |
|
Website |
|
|
Products |
Home, renters, auto, business, boat & recreational vehicles |
|
Population Served |
All 50 states and the District of Columbia |
How many customers hear back within 10 minutes? 85% of customers hear back within ten minutes of contacting GEICO according to FIXD survey takers.
How quickly are Claims Resolved? 73% of claims are resolved within two weeks of filing according to FIXD survey respondents who had filed a claim with GEICO.
Customer Satisfaction with Claims: 83% of claim filers felt that their claim was resolved fairly according to the FIXD survey in Florida.
How to sign up with GEICO: You can sign up with GEICO by getting a quote on their website, finding an agent, or calling customer service for assistance at 1-800-207-7847.
Popular Discounts with GEICO: According to FIXD survey takers in Florida, these are the most commonly used discounts on auto insurance through GEICO:
- 71% qualify for GEICO’s safe driver discount
- 63% have a discount for an anti-theft device
- 33% enjoy a discount for having multiple cars on the policy
- 17% claim a military service discount
- 13% bundle their renters and auto insurance
- 8% bundle their home and car insurance
- 8% qualify for a good student discount
- 1% have a green vehicle discount
Here is a list of the cheapest car insurance companies in Florida for 18 to 24-year-olds:
|
Car Insurance Company |
Average Annual Premium for Comprehensive |
|
GEICO |
$2900 |
|
Car Insurance Company |
Average Annual Premium for Liability-only |
|
GEICO |
$1800 |
|
Progressive |
$2100 |
Pro Tip: It may seem tempting to save money by selecting a liability-only policy, but that means you’ll have no coverage for your car if you’re at fault or if your car is stolen. Look for other ways to save money by driving a less expensive car or by driving fewer miles annually.
The Best Car Insurance Company for 25 to 34-Year-Olds in Florida: GEICO
GEICO is the best insurance provider for 25 to 34-year-olds in Florida. GEICO offers competitive premiums for this age group and provides good customer service and relatively fair claims resolution.
|
Company Info |
GEICO (Government Employees Insurance Company) |
|
Founded |
1936 |
|
Headquarters |
Chevy Chase, MD |
|
Phone Number |
1-800-207-7847 |
|
Website |
|
|
Products |
Home, renters, auto, business, boat & recreational vehicles |
|
Population Served |
All 50 states and the District of Columbia |
How many customers hear back within 10 minutes? 85% of customers hear back within ten minutes of contacting GEICO according to FIXD survey takers.
How quickly are Claims Resolved? 73% of claims are resolved within two weeks of filing according to FIXD survey respondents who had filed a claim with GEICO.
Customer Satisfaction with Claims: 83% of claim filers felt that their claim was resolved fairly according to the FIXD survey in Florida.
How to sign up with GEICO: You can sign up with GEICO by getting a quote on their website, finding an agent, or calling customer service for assistance at 1-800-207-7847.
Popular Discounts with GEICO: According to FIXD survey takers in Florida, these are the most commonly used discounts on auto insurance through GEICO:
- 71% qualify for a safe driver discount
- 63% enjoy a discount for an anti-theft device
- 33% have a discount for having multiple cars on the policy
- 17% get a military service discount
- 13% bundle their renters and car insurance
- 8% bundle their home and auto insurance
- 8% qualify for a good student discount
- 1% have a green vehicle discount
Here is a list of the cheapest car insurance companies in Florida for 25 to 34-year-olds according to the FIXD Survey:
|
Car Insurance Company |
Average Annual Premium for Comprehensive |
|
GEICO |
$1650 |
|
State Farm |
$3300 |
|
Progressive |
$3700 |
|
USAA |
$3900 |
The Best Car Insurance Company for 35 to 44 -Year-Olds in Florida: Farmers Insurance
The best car insurance provider for most 35 to 44-year-olds in Florida is Farmers Insurance. Farmers Insurance has some of the highest customer satisfaction scores in the FIXD survey and offers competitive rates for adults aged 35 to 44.
|
Company Info |
Farmers Insurance |
|
Founded |
1928 |
|
Headquarters |
Woodland Hills, CA |
|
Phone Number |
1-888-327-6335 |
|
Website |
|
|
Products |
Insurance for vehicles, homes, life, and businesses |
|
Population Served |
The United States of America |
How many customers hear back within 10 minutes? 60% of Farmers Insurance policyholders in the FIXD survey heard back within 10 minutes of contacting the company.
How quickly are Claims Resolved? Half of all claims were resolved within two weeks according to FIXD survey respondents who had filed a claim with Farmers Insurance.
Customer Satisfaction with Claims: 100% of claim resolutions through Farmers Insurance felt fair according to FIXD survey takers who had filed a claim.
How to sign up with Farmers: You can sign up with Farmers Insurance online, through an agent, or by calling customer service for assistance at 1-888-327-6335.
Popular Farmers Insurance Discounts according to FIXD Survey: The most popular discounts with Farmers Insurance according to Florida FIXD users included
- 50% qualify for a safe driver discount
- 33% bundle their home and auto insurance
- 33% claim an anti-theft device discount
- 17% have a discount for having multiple cars on the policy
Here is a list of the cheapest car insurance companies in Florida for 35 to 44-year-olds:
|
Car Insurance Company |
Average Annual Premium |
|
Allstate |
$600 |
|
Farmers Insurance |
$900 |
|
State Farm |
$1500 |
|
Travelers |
$3000 |
|
GEICO |
$3050 |
Pro Tip: Check out the customer satisfaction and how fair customers feel the claims resolution is for a particular company. You can be a wise consumer by weighing the risks and benefits of the cost differences versus customer satisfaction.
The Best Car Insurance Company for 45 to 54 -Year-Olds in Florida: Hartford
The best auto insurance company for adults aged 45 to 54 in Florida is Hartford. Hartford offers the best rates for this age group based on the FIXD survey in Florida, and the company offers good customer satisfaction.
|
Company Info |
The Hartford |
|
Founded |
1810 |
|
Headquarters |
Hartford, CT |
|
Phone Number |
1-888-413-8970 |
|
Website |
|
|
Products |
The Hartford offers insurance products for auto, home, and businesses |
|
Population Served |
Designed for AARP members, car insurance available in all 50 states and the District of Columbia |
Average Years as a Customer at Hartford: 6.0 years is the average length of time Hartford customers in the Florida FIXD survey had been with the insurance provider.
How many customers hear back within 10 minutes? 100% of Hartford customers hear back within ten minutes of contacting the company according to survey takers.
How quickly are Claims Resolved? 67% of claims were resolved within two weeks according to FIXD survey respondents who had filed a claim with Hartford.
Customer Satisfaction with Claims: 67% of claims were resolved fairly according to survey respondents who had filed a claim with Hartford.
How to sign up with Hartford: The best way to sign up with The Hartford is to visit their website for a quote or call 1-888-413-8970.
Popular Hartford Discounts according to FIXD Survey: Survey respondents from Florida said these were the discounts they claimed
- 67% enjoy a safe driver discount
- 44% have a discount for an anti-theft device
- 22% have a discount for having multiple cars on their Hartford Policy
- 11% bundle their home and auto insurance
Here is a list of the cheapest car insurance companies in Florida for 45 to 54-year-olds:
|
Car Insurance Company |
Average Annual Premium |
|
The Hartford |
$900 |
|
Progressive |
$1800 |
|
Travelers |
$2100 |
|
GEICO |
$2550 |
|
USAA |
$2550 |
The Best Car Insurance Company for 55 to 64 -Year-Olds in Florida: Farmers Insurance
The best auto insurance company for adults aged 55 to 64 in Florida is Farmers Insurance because the company doesn’t sacrifice customer service to offer one of the best rates for adults aged 55 to 64 in Florida.
|
Company Info |
Farmers Insurance |
|
Founded |
1928 |
|
Headquarters |
Woodland Hills, CA |
|
Phone Number |
1-888-327-6335 |
|
Website |
|
|
Products |
Insurance for vehicles, homes, life, and businesses |
|
Population Served |
The United States of America |
How many customers hear back within 10 minutes? 60% of Farmers Insurance policyholders in the FIXD survey heard back within 10 minutes of contacting the company.
How quickly are Claims Resolved? Half of all claims were resolved within two weeks according to FIXD survey respondents who had filed a claim with Farmers Insurance.
Customer Satisfaction with Claims: 100% of claim resolutions through Farmers Insurance felt fair according to FIXD survey takers who had filed a claim.
How to sign up with Farmers: You can sign up with Farmers Insurance online, through an agent, or by calling customer service for assistance at 1-888-327-6335.
Popular [Company] Discounts according to FIXD Survey: The most popular discounts with Farmers Insurance according to Florida FIXD users included
- 50% qualify for a safe driver discount
- 33% bundle their home and auto insurance
- 33% claim an anti-theft device discount
- 17% have a discount for having multiple cars on the policy
The Best Car Insurance Company for 65+-Year-Olds in Florida: Auto-Owners
The best auto insurance company for seniors in Florida is Auto-Owners because this smaller insurance company offers outstanding customer satisfaction and the lowest premiums for the most seasoned drivers on Florida’s roads.
|
Company Info |
Auto-Owners |
|
Founded |
1916 |
|
Headquarters |
Lansing, MI |
|
Phone Number |
800-346-0346 |
|
Website |
|
|
Products |
Home, Car, Life, and Business Insurance |
|
Areas Served |
26 states including Florida, Alabama, Arkansas, Arizona, Colorado, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Michigan, Minnesota, Missouri, North Carolina, North Dakota, Nebraska, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia and Wisconsin |
How many customers hear back within 10 minutes? 100% of customers hear back within ten minutes of contacting the company according to Florida FIXD survey respondents.
How quickly are Claims Resolved? 100% of claims were resolved within two weeks according to FIXD survey respondents in Florida who had filed a claim with Auto-Owners.
Customer Satisfaction with Claims: 100% of claims resolutions felt fair according to Florida FIXD survey respondents who had filed a claim with Auto-Owners.
How to sign up with Auto-Owners: You can sign up with Auto-Owners through an independent agent. Use Auto-Owners’ online agent lookup tool to find one.
Popular Discounts with Auto Owners: According to Florida FIXD survey respondents, these are the most popular discounts with Auto Owners:
- 25% qualify for a safe driver discount
- 25% use an anti-theft device discount
- 13% have a discount for multiple cars on the policy
- 13% qualify for a military discount
Here is a list of the cheapest car insurance companies in Florida for residents aged 65 and above:
|
Car Insurance Company |
Average Annual Premium |
|
Auto-Owners |
$1700 |
|
Farmers Insurance |
$1950 |
|
State Farm |
$1992 |
|
Allstate |
$2100 |
|
GEICO |
$2289 |
Research Methodology
To make the best recommendations for Florida residents, we analyzed survey data from FIXD users in Florida. We used not only premium prices but also multiple customer satisfaction indicators to select the very best insurance companies.
Our survey of FIXD users collected the average miles driven, discounts, and multiple factors of customer satisfaction for us to analyze.
We only included insurance companies with enough respondents to reflect customer satisfaction and a variety of premiums to average. Some insurance companies were not represented for every age band.
Independent Customer Satisfaction Surveys
FIXD used the following information provided by the survey to assess customer satisfaction:
- Preferred method of contacting insurance company and whether or not they heard back within ten minutes or less
- How long respondent had been an auto insurance policyholder with current insurance company
- Insurance provider customer support rating, company rating, policy rating, and then averaged these for an overall rating. Each rating was out of 5 possible points.
- A variety of options for respondents to indicate what they liked and didn’t like about their auto insurance provider.
- Survey questions to collect information about claims data including how long until claim resolution and whether or not the customer felt the claim was resolved fairly.
Finding the Average Car Insurance Rates
In the survey, respondents indicated their gender, age range, average annual miles driven, and discounts in addition to their annual premiums. From there, we were able to find averages and indicate said averages in the article. We focused on comprehensive insurance coverage since that’s what we recommend.
Conclusion
We recommend that Florida residents shopping for a new insurance policy or looking to add a driver check out quotes from at least Farmers Insurance, Auto-Owners, GEICO, USAA, and Hartford. These companies had overall good customer service and competitive rates for some demographics.
You’ll most likely get the best deal by working with an independent insurance agent who can obtain quotes from many companies at once and compare prices with and without bundling options to save you every possible dollar.
Frequently Asked Questions
Why is a credit score used to determine auto insurance rates in Florida?
Car insurance companies in Florida have data that correlates lower credit scores with an increased risk in filing an insurance claim. By charging higher premiums, auto insurance providers hope to offset the average financial risk of insuring a driver with poor credit.
What Florida insurance company provides the best service?
Auto-Owners provides the best customer service. FIXD survey respondents said Auto-Owners deserved a score of 4.6 out of 5. 100% of customers in the survey heard back within ten minutes, and 100% of survey respondents’ claims were resolved fairly.
What is the cheapest car insurance in Florida?
On average, the cheapest car insurance companies in Florida for full coverage include Farmers Insurance, Auto-Owners, and State Farm according to FIXD survey respondents in Florida.
Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.
