With the many auto insurers in Florida offering a range of coverage options, your choice of car insurance provider is critical. These are the top 10 car insurance companies in Florida, listed by market share, to help you find the best insurance coverage for your clients’ needs.
Market share: 32.41%
Progressive Group holds the lion’s share of Florida's car insurance market. But apart from being the leading auto insurer in Florida, Progressive is one of the largest car insurance companies in the US.
The insurer offers a wide range of insurance coverage options, including minimum coverage to meet state requirements, as well as full coverage packages that include bodily injury liability coverage, property damage liability, collision coverage, and comprehensive car insurance.
Progressive’s average annual rate for full coverage is about $1,960, roughly 18 percent lower than the national average of $2,399. For minimum coverage, Progressive’s average rate is $638, close to the national average of $635. Rates for drivers with a clean driving record and those with a DUI or poor credit are generally competitive compared to other car insurance companies in Florida and nationwide.
Progressive offers both minimum coverage and full coverage options tailored to the state’s requirements. Its policies are available for a wide range of Florida drivers, including those seeking SR-22 filings or non-owner insurance. Progressive’s rates in Florida are influenced by factors such as local weather risks, high population density, and the prevalence of uninsured drivers.
Here are the car insurance products that Progressive offers in the Sunshine State:
This carrier also offers distinct products and add-ons to its car coverage, including:
This usage-based insurance personalizes policyholders' rates based on their driving habits (e.g., braking, acceleration, time of day). Drivers get to save more money if they have a clean driving record and practice safe driving habits.
This reduces your collision or comprehensive deductible by $50 for every six months you remain claim-free, potentially lowering your out-of-pocket costs to zero over time.
This fills the coverage gap for drivers working for popular rideshare companies like Uber or Lyft. Back in 2016, rideshare giant Uber contracted Progressive as the exclusive provider of this coverage. This is a specialized add-on that not all insurers provide in Florida.
Included with collision coverage, Progressive pays up to $1,000 for vet bills if a policyholder’s pet is injured in a covered accident. This is a unique feature among major insurers.
This provides protection for up to $5,000 for aftermarket modifications or custom equipment added to the policyholder’s vehicle.
Check out our insurance ratings review about Progressive if you want to know more about this top auto insurer.
Market share: 23.08%
While State Farm ranks second in auto insurance in Florida, it is the largest auto insurer in the US. State Farm offers a wide range of insurance coverage options, including minimum coverage to meet Florida’s legal requirements and full coverage packages. Its full coverage combines liability, collision, and comprehensive insurance.
State Farm’s average annual rate for full coverage is around $2,167, slightly above Progressive but below the national average of $2,399. For minimum coverage, State Farm’s average rate is $597, which is lower than the national average of $635. Keep in mind that actual rates can vary by ZIP code, driving record, and the coverage options you select.
State Farm’s rates in Florida remain competitive. The company is known for its strong customer service, efficient claims process, and robust network of local agents. Recent reports show that State Farm maintains high customer satisfaction scores and a reputation for reliable claims handling. These results are evident for State Farm, even as Florida’s insurance market faces challenges like rising repair costs and severe weather risks.
Car coverage options from State Farm here include:
Unique offerings from State Farm for its car insurance in Florida include:
This telematics-based discount program uses a mobile app or connected device to monitor driving habits. Safe drivers can earn significant discounts. While other insurers have similar programs, State Farm’s Drive Safe & Save is one of the most widely used and offers substantial savings potential.
This is a driver training and discount program for those under 25 with a clean driving record. Completing the program can lead to additional savings. This is a unique, youth-focused safety and discount initiative.
While rental reimbursement is common, State Farm’s travel expense coverage (for meals, lodging, and transportation if you’re stranded over 50 miles from home) is a distinctive feature not offered by all competitors.
Market share: 9.49%
Ranking third is Allstate, which remains one of the largest car insurance companies in Florida and across the country. Headquartered in Northbrook, Illinois, Allstate serves millions of customers nationwide.
Allstate’s average annual rate for full coverage is about $2,605, which is higher than the national average of $2,399. Minimum coverage rates are also above the national average. Research has found that Allstate is generally more expensive than competitors like State Farm, Progressive, and GEICO. However, its high premiums can be offset by a wide range of discounts for eligible drivers.
Allstate offers minimum and full coverage options tailored to the state’s requirements. In 2024 and 2025, Allstate responded to Florida’s challenging insurance environment, characterized by rising repair costs, severe weather, and a high rate of claims, by adjusting rates and coverage availability.
While some customers in Florida have seen rate increases, Allstate continues to invest in digital tools, customer service, and claims process improvements to enhance customer satisfaction.
This top carrier offers several commonly found insurance products, including:
This carrier offers products and add-ons that stand out in the Florida car insurance market:
Allstate’s accident forgiveness ensures rates won’t go up because of a first at-fault accident. This feature is available as an add-on and helps protect your premium from sudden increases after a claim.
With this program, drivers can earn a bonus check every six months if they're accident-free. This is a unique financial incentive for maintaining a clean driving record.
Allstate’s deductible rewards program gives drivers $100 off their collision deductible the day they sign up, plus an additional $100 off each year they don’t have an accident, up to $500 total.
If a new car is totaled within the first two model years, Allstate will replace it with a brand-new car of the same make and model, not just the depreciated value. This is especially valuable for new car owners.
This add-on covers theft or damage to custom audio and video equipment installed in the car, which is not always covered by standard policies.
This pays for the cost of a rental car if the vehicle is in the shop due to a covered claim.
Allstate offers several levels of roadside assistance, including towing, battery jump-starts, flat tire changes, lockout service, and fuel delivery. Drivers can choose between pay-per-use, membership, and policy add-on options.
This coverage bridges the gap between a personal auto policy and the insurance provided by rideshare companies like Uber or Lyft. It ensures coverage during all phases of rideshare driving, not just when there's a passenger.
Allstate’s usage-based insurance program uses a mobile app or device to monitor driving habits. Safe drivers can earn significant discounts and personalized feedback to help improve driving habits.
For low-mileage drivers, Allstate offers a pay-per-mile insurance option. Policyholders pay a daily base rate plus a per-mile rate, which can be a cost-effective solution for car owners who don’t drive much.
If a car is totaled or stolen and the policyholder owes more than its current value, gap insurance helps pay the difference between what is owed and the car’s depreciated value.
Want to know more about Allstate? Then check out our insurance ratings and review article for this carrier.
Market share: 8.24%
The USAA, headquartered in San Antonio, Texas, is a member-owned financial services provider exclusively serving active-duty military, veterans, and their eligible family members. Unlike most car insurance companies in Florida, USAA’s eligibility is limited to those with a military connection, which allows it to focus on the unique needs of this community. USAA’s claims process is streamlined and highly rated.
It’s one of the few insurers that offers a top-rated mobile app that makes managing policies and filing claims easy from anywhere. This is useful for policyholders stationed in Florida or deployed overseas.
USAA’s average annual rate for full coverage is about $1,407, which is significantly lower than the national average. Minimum coverage rates are also well below the national average. USAA is frequently recognized as one of the most affordable auto insurers for eligible drivers, especially those with clean driving records.
This carrier, whose products and services are exclusive to active and retired military service personnel, offers auto coverage that includes:
Stand-out products and auto insurance add-ons in Florida from USAA include:
USAA’s proprietary usage-based insurance program, SafePilot, uses a mobile app to monitor driving habits and reward safe drivers with discounts of up to 30 percent. This program is one of the most generous telematics discounts available and is tailored for military families who may have unique driving patterns.
If your car is totaled, USAA pays 20 percent above the actual cash value to help you purchase a new vehicle, especially valuable in disaster-prone areas.
For members driving for Uber or Lyft, USAA’s add-on fills the coverage gap between your personal policy and the rideshare company’s insurance, ensuring you’re always protected.
USAA offers special discounts and flexible coverage for vehicles stored while members are deployed, a feature not widely available with other insurers.
USAA can extend auto insurance coverage for members stationed abroad, which is a rare offering among US insurers.
Market share: 7.16%
Headquartered in Omaha, Nebraska, Berkshire Hathaway is a multinational conglomerate led by Warren Buffett. Its most prominent auto insurance brand is GEICO (Government Employees Insurance Company), which is one of the largest car insurance companies in Florida and nationwide.
GEICO is widely recognized for providing some of the cheapest full-coverage car insurance in Florida. The company’s average annual premium for full coverage is about $1,731, which is significantly below the national average. This makes GEICO a standout among car insurance companies in Florida for affordability. Even in 2025, GEICO remains one of the most affordable major insurers, with average costs for coverage in Florida typically lower than many of its competitors.
GEICO continues to expand its digital services, making policy management and claims easy for customers throughout the state. Despite Florida’s challenging insurance market, GEICO remains a leading carrier, regularly ranking among the best car insurance companies in Florida for both price and customer satisfaction. You can check where it ranks among the best car insurance companies in the US.
These are the common auto coverage products GEICO offers Floridians:
Distinct GEICO car coverage products and add-ons in Florida include:
This is by far the most unique GEICO product among major insurers. MBI covers repairs to all mechanical parts of a new or leased car, which are less than 15 months old and with fewer than 15,000 miles. This coverage is beyond the standard warranty. It functions like an extended warranty but is often more affordable and comprehensive.
GEICO’s roadside assistance program covers towing, jump starts, tire changes, lockout service, and fuel delivery. It’s available as an affordable add-on.
For drivers working with companies like Uber or Lyft, GEICO offers rideshare insurance that covers both personal and rideshare driving under a single policy. This does away with the need for a separate commercial policy.
This pays for a rental car if the policyholder’s vehicle is being repaired due to a covered claim.
Highly rated for digital policy management, claims filing, and virtual ID cards—making it easy for Florida drivers to manage their coverage on the go.
Market share: 2.65%
Travelers Group, headquartered in New York City, is one of the oldest and most established insurance companies in North America. Travelers is recognized as a leading national insurer and among the top car insurance companies in Florida.
Travelers is known for its competitive rates in the state. The company’s average annual premium for full coverage is about $1,549, which is significantly lower than the national average. This insurer is often cited as one of the more affordable options for both minimum and full coverage. However, rates can vary by ZIP code, driving record, and coverage selections.
Travelers continues to be a strong player among car insurance companies in Florida, regularly ranking among the top insurers for customer satisfaction and claims service. In 2024 and 2025, Travelers has maintained stable pricing and broad availability in Florida despite its challenging, risk-fraught environment.
These are what this carrier has on offer for auto insurance in this state:
These are Travelers’ car insurance distinct offerings and coverage add-ons in Florida:
Unique to Travelers, this is a usage-based telematics insurance program that uses a mobile app to monitor driving behaviors such as speed, braking, and phone use. Safe drivers can earn discounts up to 30 percent at renewal. This program is a standout for tech-savvy drivers looking to save on their driving habits.
If a policyholder’s new car is totaled within the first five years, Travelers will pay to replace it with a brand-new car of the same make and model, not just the depreciated value. This coverage is significantly more generous than many competitors’ new car replacement programs.
This prevents your first at-fault accident from increasing your premium, helping protect your rates.
Pays the difference between what you owe on your car loan/lease and the car’s actual cash value if your vehicle is totaled.
For each year a policyholder remains accident-free, their deductible decreases by $50, up to $500.
This extends your personal auto policy to cover you while driving for rideshare companies like Uber or Lyft.
This covers towing, jump starts, tire changes, lockout service, and fuel delivery.
This pays for a rental car if your vehicle is in the shop due to a covered loss.
You can read our guide on Travelers insurance ratings to get more acquainted with this carrier.
Market share: 2.37%
Based in Lansing, Michigan, Auto-Owners is a regional mutual insurance company known for its strong network of independent agents and high customer satisfaction. The company is one of the largest American P&C insurers and offers car insurance coverage in Florida.
Auto-Owners is known for offering competitive rates in Florida. Their average annual premium for full coverage is about $1,447, which is significantly lower than the national average. Auto-Owners is typically cited as one of the more affordable options for both minimum and full coverage. Rates can vary according to the policyholder’s ZIP code, driving record, and coverage choices.
This auto insurer continues to expand its presence in Florida, maintaining its reputation for personalized service through local agents and high claims satisfaction. In 2024 and 2025, the company kept pricing stable and broadened its digital tools for policy management and claims. Auto-Owners is regularly recognized for its financial strength and reliability, so it’s a trusted choice for Florida drivers seeking affordable, comprehensive coverage and responsive customer service.
This insurer offers the following in The Sunshine State:
Florida drivers can find these distinct coverage products and add-ons from Auto-Owners:
Unique to Auto-Owners, this package bundles over 10 extra coverages into a single endorsement for a modest premium. It can include coverage for identity theft expenses, re-keying locks, cell phone replacement, increased rental car coverage, and more. Features like these are rarely bundled together by other insurers.
This pays policyholders for the loss in market value of their car after it’s been repaired from a covered claim. This is an option not always offered by competitors.
If a policy owner has both auto and home insurance with Auto-Owners and a single event, like a hurricane, damages both, they only pay one deductible – the higher of the two. This is opposed to paying separate deductibles for each policy.
This pays the difference between what your client owes on the car loan/lease and the car’s actual cash value if your vehicle is totaled.
This covers towing, jump starts, flat tire changes, lockout service, and fuel delivery.
This pays for a rental car if your vehicle is in the shop due to a covered claim.
Market share: 1.91%
Kemper Corporation is a national insurer recognized for serving high-risk drivers and those who may have difficulty obtaining coverage from standard insurers. Kemper operates through brands such as Kemper Auto and Infinity Insurance in Florida.
Kemper’s average costs for car insurance tend to be higher than the national average, especially for drivers with clean records. As of this writing, verified, up-to-date average annual premiums for Kemper’s full-coverage car insurance in Florida are not publicly available. For the most accurate rate, you’ll need to get a personalized quote directly from Kemper or through an independent agent.
Its products focus on high-risk drivers, those with prior violations, or those needing SR-22 filings. For full coverage, Kemper’s rates in Florida are generally higher than state and national averages. However, drivers who have trouble finding coverage elsewhere may find the insurer's rates affordable.
Kemper continues to serve the Florida market by focusing on non-standard and high-risk auto insurance segments. The company has maintained its presence via local agents and digital tools but has also faced challenges due to Florida’s volatile insurance environment. As of late, the Florida auto insurance market has become more challenging due to rising claims costs and anticipated regulatory changes. Kemper has responded by adjusting underwriting guidelines and pricing, emphasizing flexible payment options, and offering bilingual customer service to better serve Florida’s diverse population.
These are Kemper’s standard car coverage products in the state:
These are Kemper’s stand-out products and add-ons available in Florida:
Kemper specializes in providing coverage for high-risk drivers—those with prior violations, accidents, lapses in coverage, or who require SR-22 filings. This makes Kemper a go-to insurer for Floridians who may have difficulty securing a policy from standard insurance companies.
Kemper is well-known for supporting drivers who need an SR-22 certificate, which is required by the state after certain driving violations. The company’s streamlined process and willingness to insure high-risk drivers set it apart in this segment.
Kemper offers a variety of payment plans and accepts multiple payment methods, catering to customers who need adaptable billing. This flexibility is especially valuable for those on tight budgets or with irregular income.
Kemper provides optional auto insurance coverage for drivers traveling to Mexico – an offering not commonly available from most US insurers. This is beneficial for Florida residents who frequently drive across the border.
Recognizing Florida’s diverse population, Kemper offers bilingual (English/Spanish) customer support, making it easier for Spanish-speaking customers to manage their policies and claims.
Market share: 1.53%
Sentry Insurance is a mutual insurance company best known for its commercial insurance products but also offers personal auto insurance in select states, including Florida. Sentry typically works through independent agents and is recognized for its financial strength and good customer service.
Sentry Insurance Group does not disclose specific average auto insurance premiums for Florida. Sentry is a smaller player in the Florida private passenger auto insurance market, and its rates are not typically included in major industry surveys or consumer rate comparisons.
Sentry’s auto insurance rates are generally competitive but not typically the lowest in the market. Its average annual premium for full coverage in Florida is close to or slightly above the national average. Sentry’s rates may be more attractive for customers who bundle multiple policies or qualify for specific discounts, but they are not usually the cheapest option for Florida drivers.
These are Sentry’s standard auto insurance coverage options in the Sunshine State:
These are distinct products and add-ons Sentry offers:
Sentry offers 24/7 roadside assistance as an add-on, covering towing, jump starts, flat tire changes, lockout service, and fuel delivery.
If a policyholder’s vehicle is in the shop due to a covered claim, this coverage pays for a rental car.
This coverage pays the difference between what a policyholder owes on their car loan or lease and the car’s actual cash value if the vehicle is totaled.
For every year your client remains accident-free, their deductible may decrease, rewarding safe driving.
Market share: 1.49%
Established in 1986, Ocean Harbor Group is a local insurer based in Sunrise, Florida. It operates primarily in Florida and a few other states, focusing on non-standard auto insurance for high-risk drivers.
Ocean Harbor Group does not disclose its average auto insurance premium rates, although the rates are typically higher than the national average. This is because they specialize in insuring drivers who may have difficulty obtaining coverage from standard insurers. These include drivers with prior violations or lapses in coverage. As a result, the insurer's premiums reflect the increased risk profile of its customer base.
Like other insurers, Ocean Harbor's rates can also vary depending on the policyholder's driving record, ZIP code, and chosen policies and add-ons.
These are the car coverage options offered by this carrier in Florida:
These are the distinct products and add-ons from Ocean Harbor:
Ocean Harbor specializes in insuring high-risk drivers who may not qualify for standard policies. This includes those with prior violations, accidents, or lapses in coverage.
The company offers flexible payment plans, which can be helpful for customers who need more adaptable billing.
Ocean Harbor is known for providing SR-22 filings, making it a key choice for high-risk drivers who need to prove financial responsibility after certain violations.
Ocean Harbor’s willingness to insure drivers with challenging records or insurance histories is a distinguishing feature in Florida’s market.
Policies are often streamlined and may not include many extras or add-ons. This allows high-risk drivers to secure the minimum required coverage at a time when other insurers might decline them.
With all these options for car insurance, how do you choose from the largest car insurance companies in Florida? Most importantly, brokers should make a thorough assessment of their client’s particular needs. Determine whether they need SR-22 filings, full coverage, gap coverage, and the like.
Compare rates and the value that each insurer offers, then match these to your client’s budget. Market share isn’t the only metric to consider. Savvy brokers consider the insurer’s reputation, insurance ratings from ratings agencies, and customer satisfaction ratings.
Brokers should also work to clarify the benefits of each carrier’s unique programs like their telematics, accident forgiveness, and other add-ons, then match these to clients’ driving habits. After assessing all these factors, brokers can then discuss payment plan options, digital tools, and local agent support to make the best choice.
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