Picking the “best” car insurance in Florida can feel like throwing darts at a dart board with your eyes closed. There are lots of insurance companies to choose from, and each has its own pricing formulas, strengths and weaknesses.

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ZIP Code
94103
That’s why at NerdWallet, we did the majority of the legwork for you. We analyzed the top-rated insurance companies in Florida and put together a list of the best ones for each of the following categories: 

Best star rating.

Best budget pick.

Best for customer satisfaction.

Best for ease of use.

You can also skip to the bottom for the full list of top rated Florida car insurance companies.

How we found the best car insurance in Florida.

Why you can trust NerdWallet.

Best Florida car insurance for star rating
Both Nationwide and Progressive tie this year for having the highest raw score out of the 25 companies we analyzed. Because our auto insurance ratings reward companies for customer-first features and practices, this category represents an overall solid choice for drivers seeking a well-rounded insurance company. 

BEST STAR RATING
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Nationwide
5.0

NerdWallet rating 
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.

OVERVIEW

PROS & CONS
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
BEST STAR RATING
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Progressive
5.0

NerdWallet rating 
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.

OVERVIEW

PROS & CONS
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Best Florida car insurance for your budget
State Farm is the best car insurance company in Florida when it comes to your wallet. According to our analysis, State Farm’s average rate for full coverage is $144 per month, the lowest out of all Florida car insurance companies we have data for. However, your own rate may be different. Check out NerdWallet’s analysis of cheap car insurance in Florida for a breakdown of the most affordable insurers in the state.

BEST BUDGET PICK
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State Farm
5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

OVERVIEW

PROS & CONS
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Best Florida car insurance for customer satisfaction
Auto Club Group (AAA) is the best car insurance company in Florida for customer satisfaction. Auto Club Group was the only NerdWallet 5-star company ranked among the top three insurers in J.D. Power’s 2022 U.S. Auto Insurance Study for overall customer satisfaction in Florida
[1]
. 

Learn more about how AAA insurance works in our AAA auto insurance review.

BEST FOR CUSTOMER SATISFACTION
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Auto Club Group
5.0

NerdWallet rating 
Auto Club Group provides AAA-branded auto insurance in over a dozen states.

OVERVIEW

PROS & CONS
Discounts
Great set of discounts
Ease of use
Average
NAIC complaints
Fewer than expected
Best Florida car insurance for ease of use
Liberty Mutual is the best car insurance company in Florida for ease of use. It has an easy-to-use website and simple claims filing process compared with other top rated companies in Florida. Liberty Mutual also has high app store ratings for iOS and Android devices.

BEST FOR EASE-OF-USE
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Liberty Mutual
4.5

NerdWallet rating 
Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app.

OVERVIEW

PROS & CONS
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Close to expected
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See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.

ZIP Code
94103
Full list of the best car insurance in Florida
If you’re looking for more options, NerdWallet analyzed 25 car insurers to find the 11 best car insurance companies in Florida, all with a NerdWallet star rating of 4.5 or higher.

Company

Star rating

Auto Club Group (AAA)

5.0NerdWallet rating 
Amica

5.0NerdWallet rating 
Auto-Owners

5.0NerdWallet rating 
Nationwide

5.0NerdWallet rating 
Progressive

5.0NerdWallet rating 
State Farm

5.0NerdWallet rating 
Allstate

4.5NerdWallet rating 
Geico

4.5NerdWallet rating 
Liberty Mutual

4.5NerdWallet rating 
Travelers

4.5NerdWallet rating 
USAA*

4.5NerdWallet rating 
*USAA is only available to military, veterans and their families.

» MORE: The best car insurance companies