Car Insurance Companies in Florida

Comparing car insurance companies in Florida can be difficult, with so many options available to Florida drivers searching for auto insurance. To make choosing the best option easier, compare the list of the largest car insurance companies in Florida and what makes each company stand out.

List of Florida car insurance companies

1. Geico

Geico, the second largest auto company in the U.S. and the biggest in Florida, writes nearly a quarter of all auto insurance policies in Florida. Geico offers Florida drivers up to a 10% discount for completing an approved defensive driving course. Drivers who take online courses offered by the National Safety Council, the American Safety Council and the Florida Safety Council are also eligible for discounts. Also, Geico provides discounts to alumni from several universities, including Florida Atlantic University and Florida Gulf Coast University.

2. State Farm

State Farm has a large number of agents throughout Florida, with 29 agents in Miami and 35 in Orlando. Florida drivers who are under 25 years old can take advantage of State Farm's Steer Clear safe driver discount program. To qualify for the discount, the driver must have no at-fault accidents or violations in the past three years. You can sign up through your local agent, online or through the Steer Clear mobile app.

State Farm isn't the most affordable auto insurance company, but it is cheaper than companies like Allstate and Progressive.

3. Progressive

Progressive is a major company, underwriting 15% of all auto insurance policies in Florida. While Progressive is mainly known for its online presence, the company operates eight full-service centers in Florida. Drivers who have been involved in small accidents can drop off their vehicles at these service centers to receive a repair estimate. Employees at the service center will then coordinate repairs, which come equipped with a lifetime warranty.

4. Allstate

Allstate's high auto insurance rates hold it back from being an above-average insurance company. Aside from its great search feature, the company doesn't offer any perks that are exclusive to Florida drivers. If you're interested in Allstate for its ability to offer personalized service through its local agents, then consider State Farm.

5. USAA

USAA primarily serves members of the U.S. military and their families, and Florida is home to 21 military bases representing every branch of the U.S. military. USAA's large presence in Florida includes its Southeast Regional Campus, located in Tampa.

6. Liberty Mutual

Liberty Mutual doesn't offer any discounts or coverage options that you couldn't find through another insurance company. Companies that have limited features typically offer lower auto insurance premiums, but that isn't the case with Liberty Mutual. Simply put, there aren't many reasons why a driver in Florida should select Liberty Mutual.

7. Infinity

Infinity is a great insurance company for high-risk drivers. If you don't fit into that customer segment, you'd likely receive a cheaper quote from a national insurance company, like State Farm or Geico. Even high-risk drivers should be cautious of Infinity's poor customer service, as reviews complain about the company being difficult to reach.

8. Travelers

Travelers is the eighth largest auto insurance company in Florida and one of the largest in the U.S. The company partners with local institutions, like Florida Realtors and the Florida Hospital Credit Union, to offer their members special discounts and perks. Although Travelers sells its policies through independent agents, the company still provides customers with an online directory to quickly find an agent in their area.

9. Farmers

Farmers is one of the largest insurance companies in Florida, and it has 2% of the auto insurance market share in the state. A benefit of selecting a large insurance company like Farmers is that the company offers several insurance products, meaning you can earn discounts by bundling policies. Farmers even offers insurance for recreational vehicles, like boats.

10. AmTrust Financial

Why it’s great:

AmTrust Financial mostly focuses on selling insurance policies to small businesses, meaning it isn't the best choice for your personal auto insurance policy. The company's subsidiaries, which provide auto insurance policies, are small in size. Their limited size means you'll miss out on things most large insurance companies offer, like mobile apps and online quotes.

AmTrust Financial has seven corporate offices located across some of the largest cities in Florida, including Jacksonville and Ft. Lauderdale. The company is the 14th largest writer of auto insurance in the country. Prospective policyholders should be aware that AmTrust Financial doesn't provide direct quotes to customers. If you're interested in an auto insurance policy, you'll have to speak to an independent agent that sells policies for the company.