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If you live in Florida, chances are that you drive everywhere. If you drive a lot, it only makes sense to have car insurance. Getting car insurance can be expensive and a lot of factors can affect your rate like your prior driving history. Other factors that can affect your Florida Car Insurance rate are the kind of coverage that you are settling for, prior accident records, age, experience, relationship status, and credit score just to name a few. Also, you have to ask yourself if you wish to settle for a minimum coverage auto insurance policy or full coverage auto insurance policy. Another item that car drivers in Florida are not commonly aware of is the effect of your current and previous zip code on your car insurance quote. If you live in Florida and income is a major deciding factor when it comes to selecting your insurance policy, then it helps to know which company offers the best rate for the kind of car insurance policy that you are looking for.

Florida is one of the states that was impacted the most by Covid in 2020, and this affected how people commute to work with the increase in remote work. Now that Covid appears to be winding down, people are getting back on the road, and for the ones who own a vehicle or are planning to purchase, lease, or finance a vehicle, one item you need to keep in mind is the cost of insurance. From online research that was conducted, Geico, State Farm, Progressive, Allstate, and Direct Auto are some of the cheapest auto insurance companies in Florida in 2021.

Some of the Florida auto insurance companies offer more benefits for certain auto insurance buyers than others. In this article, we will dive into some of these companies that are offering affordable auto insurance in 2021 to drivers in Florida and how some of your pre-existing conditions may affect your rate.

2021 affordable Florida auto Insurance companies

Auto Insurance Company profile breakdown 2021

Geico Auto Insurance Florida

Geico Customer Reviews 1,500+ Reviews with an average of 3.8 out of 5 stars rating
Geico Year over Year Rate change 4.8%
Geico Market Share 2021 13%
Average Savings from Switching to Geico 15 minutes can result in 15% or more in savings
How to Cancel Geico Insurance Call (800) 841-1587

State Farm Auto Insurance California

State Farm Customer Review 17,000+ Reviews with an average of 4.1 out of 5 stars rating
State Farm Auto Insurance
Year over Year Rate change
24% after an accident
State Farm Auto Insurance
Market Share 2021
Average Savings from Switching to State Farm Auto Insurance 13%
How to Cancel State Farm Auto Insurance Call 800-STATEFARM

Progressive Auto Insurance Florida

Progressive Customer Reviews 1,800+ Reviews with an average of 3.9 out of 5 stars rating
Progressive Year over Year Rate change 0.2%
Progressive Market Share 2021 12%
Average Savings from Switching to Progressive $550
How to Cancel Progressive Insurance Call 1-800-776-4737

Allstate Auto Insurance Florida

Allstate Customer Reviews 1,400+ Reviews with an average of 3.9 out of 5 stars rating
Allstate Year over Year Rate change 1.2%
Allstate Market Share 2021 9%
Allstate Savings from Switching to Geico $473 if switching from Geico
How to Cancel Allstate Insurance Call your agent.

Direct Auto Insurance Florida

Direct Auto Customer Reviews 1,836+ Reviews with an average of 4.1 out of 5 stars rating
Direct Auto Rate Change ~40% after DUI
Direct Auto Market Share 2021 0.16%
Average Savings from Switching to Direct Auto Up to 25%
How to Cancel Direct Auto Insurance Call 1-877-GO-DIRECT

auto insurance rate change 2021

Factors That Can Affect Your Florida Auto Insurance Rates

The table below breaks down your estimated annual auto insurance rate coverage for an insurance policy in Florida and the factors that can lead to the estimated rates. Some of the factors that are taken into consideration are prior tickets record, prior accidents, credit scores, and relationship status. These numbers and discounts or add ons are based on annual rates.

Driving Profile Geico Auto Insurance State Farm Auto Insurance Progressive Auto Insurance Allstate Auto Insurance Direct Auto Insurance
Speeding Tickets $2,583 $2,059 $6,120 $5,163 $0 increase if 15 miles over the limit for a first offense
At-fault Accidents 58% 24% 54% 53% N/A
Poor Credit Score N/A N/A N/A N/A N/A
Single No savings No savings No savings No savings No savings
Married 5% savings 5% savings 5% savings 5% savings 5% savings

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