Florida Auto Insurance: Our pick is Geico at $211/mo (2026)
The pick: Geico at $211/mo for Florida auto (filed 2026-01-01). Across 1 recent carrier filings, this is the lowest baseline. For most Florida drivers this is the right starting point; your specific quote depends on your ZIP, age, vehicle, and record.
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Why this pick
Florida home insurance ($2,385/yr NAIC 2023) is high but isn’t the most expensive — Oklahoma’s $2,810/yr beats it. Florida’s distinguishing feature is volatility: 7 carriers became insolvent in 2022-2023, and Citizens (the state-run insurer of last resort) ballooned to over 1.4 million policies before reforms cooled the market.
How PolicyChat sources this data
PolicyChat Rate Authority aggregates three public + licensed sources, with per-record provenance. Every rate cited on this page links to its source filing.
- State DOI / SERFF filings — public rate filings, refreshed daily.
- NAIC published averages — annual state aggregates (currently 2023, latest released).
- Licensed partner feeds (EverQuote, LendingTree) — real-time per-profile quotes when a user walks through Sage.
Methodology: /methodology/rate-authority/
Recent Florida auto filings
| Carrier | Filed Rate | Effective | Source |
|---|---|---|---|
| Geico | $211/mo | 2026-01-01 | State DOI |
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