Geico, Progressive, State Farm and Allstate are some of the best car insurance available in Florida in 2024. All drivers in Florida are required to carry auto insurance with them all the time and there are few guidelines for what the insurance's acceptable coverage is.

The minimum amount stands at $10,000 which must be carried in property damage liability (PDL) and personal injury protection (PIP) or $300,000 per incident. This amount can be equal to or less than your Bodily Injury (BL) Liability limits.

According to the most recent data by FLHSMV, Florida is one of the most uninsured states in the United States. This means that nearly one in every five drivers in Florida or more than 3 million people did not have any car insurance during accidents.


The GEICO auto insurance article provides an all-inclusive overview of auto insurance coverage options.

The insurance covers bodily injury, property damage liability, medical coverages, uninsured and underinsured motorist and vehicle coverage such as collision and comprehensive coverage.

Geico insurance covers all the necessities and different types of coverages based on personal needs, budget and state laws. GEICO has a high customer satisfaction rating due to its 24-hour customer support.

In addition to its strong Bankrate Score, Geico was voted one of this year's finest auto insurance companies overall, the finest Budget Auto Insurance Company in the 2024 Bankrate Awards, and the Best Auto Insurance Company for Young Drivers.

Geico may be the best option for drivers searching for a low premium, due to its overall lower-than-average prices and several discount options. Geico auto insurance scored a Bankrate Score of 4.4 out of 5.

  • Average full coverage premium: $275/month and $3,295/year
  • Customer satisfaction: 812/1,000


  • The national average is higher than the average rates.
  • Drivers with a history of at-fault accidents or moving violations may find that their average rates are lower.
  • Strong digital tools for managing policies online.


  • There may be limited local agencies for those who want in-person support.
  • Fewer optional coverage add-ons compared to competitors.
  • Geico has below the average for shopping in the J.D. Power U.S. Insurance Digital Experience Study.

2. Progressive

Progressive Car Insurance is obtainable in all 50 states of the United States and Washington D.C. The insurance standard coverage includes liability, comprehensive and collision.

Policyholders can customize their policy with extra add-ons such as rental car reimbursement, loan/lease payback, custom parts and equipment coverage and ridesharing coverage.

Progressive is well-known for its vehicle insurance unique features such as Snapshot and the Name Your Price. The insurance also includes ridesharing coverage and roadside assistance. Progressive auto insurance scored a Bankrate Score of 4.5 out of 5. AM Best has given Progressive Insurance a Superior grade (A+) for its excellent financial condition and capacity to satisfy insurance commitments.

  • Average full coverage premium: $253/month and $3,034/year
  • Customer satisfaction: 801/1,000


  • Numerous discounts.
  • Several optional coverage types.
  • Strong digital tools.


  • J.D. Power reported a below-average auto claims satisfaction score.
  • J.D. Power reports below-average overall auto customer satisfaction in all regions.
  • Rates may vary between online and agency quotes.
  • Progressive stopped offering coverage for some Kia and Hyundai models in January 2023 due to a significant increase in theft.

3. State Farm

State Farm is the largest auto insurance provider in the United States. State Farm vehicle insurance has received a Bankrate score of 4.3 out of 5.0.

State Farm provides all of the coverage types required by various states. The plans include bodily injury liability, property damage liability, uninsured motorist, underinsured motorist, medical payments and personal injury protection.

Thanks to its timely claim payments, the insurance has a high position in the J.D. Power U.S. Auto Claims Satisfaction Study. However, one of the downsides of car insurance from State Farm is that independent agents exclusively offer plans.

  • Average full coverage premium: $271/month and $3,250/year
  • Customer satisfaction: 833/1,000


  • Several discounts are available such as a telematics program and savings aimed at young drivers.
  • A highly rated mobile app for hands-on policy management.
  • Many agencies are spread across the country.


  • Gap insurance is not available.
  • Cannot buy accident forgiveness.
  • No live chat for policyholders.

4. Allstate

Allstate is a top choice for Florida drivers that provides a wide range of coverage options. Allstate rates are generally higher than those of its competitors but the company makes up for this with discount options.

Allstate Insurance Deductible Rewards program provides a $100 discount on the collision deductible for each year of safe driving that goes up to $500. Along with that Allstate Safe Driving Bonus also allows drivers to receive cash back or credit on their car insurance policy for every six months without an accident.

Pay-per-mile and usage-based insurance are just two of the distinctive products that set Allstate apart. However, the charges are particularly higher for young drivers and those with moving infractions.

In both the 2023 U.S. Auto Claims Satisfaction Study and the J.D. Power customer satisfaction survey, Allstate is ranked the highest.

  • Average full coverage premium: $342/month and $4,101/year
  • Customer satisfaction: 821/1,000


  • There are numerous reward options for driving safely such as Deductible Rewards and Drivewise. Those rewards may vary depending on different state laws.
  • Strong mobile and online tools for simple claims and policy support.
  • There is a driving training program available for teenagers to reduce the risk of accidents.


  • According to J.D. Power's 2023 U.S. Auto Insurance Study, most of the territories received below-average scores.
  • A few additional coverage options.
  • Different policy options may be varied or limited depending on the state.

Content Sources:


Florida Highway Safety and Motor Vehicles