Best Car Insurance in Florida for Senior Drivers (2026)
State Farm, GEICO, and Allstate are three of the best car insurance companies in Florida for senior drivers.
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Written byDanny Smith
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Edited bySara Getman
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Sara GetmanAssociate Editor
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves yoga and knitting.
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Table of contents
Table of contents
Senior drivers tend to pay the lowest car insurance rates of any age group, but Florida seniors pay more than the national average rate for full-coverage and liability-only policies. Nationally, a full-coverage policy for a senior driver averages $149 per month. In Florida, the monthly average is $183.
Car insurance rates begin to rise for senior drivers around age 70 due to an increase in accident risks.
Drivers have different driving histories and unique needs, so the right insurer is different for everyone. Insurify analyzed 50 car insurance companies to determine the best car insurance companies in Florida to help you find the right option for you.
Here’s what you need to know about finding the best car insurance for senior drivers in Florida.
Best car insurance companies in Florida for seniors
Senior drivers in Florida have a number of excellent car insurance companies to choose from, but some stand out from the rest. Insurify determined the five best car insurance companies for seniors in Florida based on factors like price, available discounts, customer service, Insurify Quality (IQ) Score, and third-party ratings.
GEICO: Best overall
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $158/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $179/mo |
4.0
Best choice in FloridaBased on 16,802 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 reviews from Florida drivers - See all 7,536 GEICO reviews
Pamala
Verified Review
Mostly Happy with Geico 😏
Reviewed in Florida on March 28, 2026
I have been very happy with Geico. They were there and insured me when everyone else wanted to charge me twice as much, and that was more than 5 years ago. My rates at one point were as low as $35 a month, and then all of a sudden they shot up to $55 to $58 a month with zero tickets, zero accidents, and zero claims, which is why I started shopping around. But to be perfectly honest, even though I can get insurance for $14 less a month on average, I think I'm going to stick with Geico because they were there when I needed a break, and that goes a long way with me.
Jeffrey
Verified Review
Dump Geico, Go to Progressive
Reviewed in Florida on March 28, 2026
Nice, no one calls me for anything, and they are very competitive on pricing. Good price for the money.
William
Verified Review
Excellent
Reviewed in Florida on March 26, 2026
I like them, but they're just too expensive.
Laura
Verified Review
Paying Too Much
Reviewed in Florida on March 21, 2026
Paying for a no-fault accident.
Gerald
Verified Review
Shop for insurance
Reviewed in Florida on March 21, 2026
Check around for lower prices.
Joseph
Verified Review
Great
Reviewed in Florida on March 21, 2026
Great customer support.
Jeff
Verified Review
Doubling my premium
Reviewed in Florida on March 20, 2026
I have GEICO. I had a very small accident and they doubled my insurance for two years. I don’t think that’s fair, considering I’ve had no claims in over 30 years.
Thelma
Verified Review
I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.
Reviewed in Florida on March 19, 2026
I have to say that GEICO responds quickly to an accident, but they are way overpriced. I thought if I stayed with them a little longer, the policy price would get better. Little did I know, it doesn’t work like that, and I’m 67 years old. All they worry about is getting their money, so this year I’m pretty sure I’m changing insurance companies. If it means getting rid of my car, at least I won’t have a car payment and I won’t have to worry about renewing insurance.
Patricia
Verified Purchase
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
Reviewed in Florida on March 12, 2026
I have had a great experience with GEICO. They were easy to contact and I got a great rate. I would definitely recommend them to anyone.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers some of the cheapest insurance rates in Florida. It also offers a specialty Prime Time contract to drivers 50 or older with no accidents or violations in the past three years. Various other discounts and ways for drivers of all ages to save are also available. GEICO has strong financial and decent customer satisfaction ratings, so you can rely on them to pay out claims well.
Pros
Affordable rates
AM Best financial strength rating of A++ (Superior)
10% defensive driving course discount
Cons
Gap insurance not available
Doesn’t offer rideshare insurance
1.3 out of 5 stars on Trustpilot
State Farm: Best for affordability
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $106/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $116/mo |
4.0
Best choice in FloridaBased on 16,551 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 reviews from Florida drivers - See all 7,299 State Farm reviews
Robert
Verified Review
State Farm
Reviewed in Florida on March 30, 2026
State Farm is expensive, and despite their plug-in for my car, they don’t offer any discounts. I have been with them for about 7 years, same vehicle, no tickets or accidents, and they won’t decrease my rate.
Peter
Verified Review
Had enough.
Reviewed in Florida on March 28, 2026
Overpriced, don’t receive proof of insurance card frequently, and do not give you a reminder until the last minute.
Sylvia
Verified Review
State Farm is too expensive!
Reviewed in Florida on March 28, 2026
I still have State Farm, but I'm looking for lower rates with full coverage! I received offers from Progressive, Allstate, and others using the same coverage specs, and prices were lower. I asked State Farm to review my rates and get them closer to the other car insurance offers. So far, I've not received any better offers.
James
Verified Review
State Farm is the best
Reviewed in Florida on March 27, 2026
State Farm auto insurance is about $2000 less per 6 months than my former insurance company (The Hartford), for the exact same coverage.
Jacquelyn
Verified Review
Evaluation
Reviewed in Florida on March 23, 2026
My local agent is great. The national level, not so much. I was in an accident two years ago and was told I would get no help from your company even though I was not at fault and the other driver was cited. I never got reimbursed for my expenses to get home to Florida from Virginia.
Barbara
Verified Review
Competitors Admit They Can’t Compete with SF Prices
Reviewed in Florida on March 22, 2026
Tap into discount advantages, open to questions, respectful, responds in a timely manner, knowledgeable.
Rebscca
Verified Review
State Farm
Reviewed in Florida on March 22, 2026
The folks at the State Farm office are awesome. However, the insurance is way too expensive.
Linda
Verified Review
Reasonable Rates
Reviewed in Florida on March 21, 2026
My current rate is much more reasonable than other companies.
Troy
Verified Review
Great service, price is a little high
Reviewed in Florida on March 21, 2026
It's a little expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers the cheapest rates for senior drivers in Florida. It’s the best option for senior drivers in Florida looking to secure cheap insurance without sacrificing coverage levels. That being said, State Farm is also an excellent insurer across the board, earning strong customer satisfaction and financial strength ratings. Older drivers can find good rates and customer service with State Farm.
Pros
Cheapest rates for senior drivers in Florida
5% defensive driving course discount
AM Best financial strength rating of A++ (Superior)
Cons
Doesn’t offer gap coverage
Doesn’t have accident forgiveness
Has higher rates for drivers with violations
Allstate: Best for flexibility
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $185/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $202/mo |
3.8
A solid option in FloridaBased on 9,920 verified driver reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Accident forgiveness
Wide availability
Cheap rates
Showing 75 reviews from Florida drivers - See all 4,345 Allstate reviews
Toni
Verified Review
Shopping around
Reviewed in Florida on March 27, 2026
The representative offered me higher liability coverage for a good price, but I don't want or need it. When I questioned another representative, she was snippy and said they don't just provide basic state coverage, which is not true. I'm not really happy with them as it seems like they're looking to make a commission at my expense and lying about it. I'm looking around now that renewal is about to go into effect.
Donald
Verified Review
Too Little Too Late from Allstate
Reviewed in Florida on March 20, 2026
I’m no longer with Allstate. I switched to State Farm 2 years ago, who gave me a much better rate.
Miguel
Verified Review
Overall I rated Allstate 3.5 out of 5
Reviewed in Florida on March 18, 2026
I think customers must be informed of their options without reservation and not just focus on the bottom line for the company or representative. If a customer qualifies for a much lower rate according to all established rules, then why not go over it with the customer, explaining the details?
Gregory
Verified Review
Help from Rosa
Reviewed in Florida on March 17, 2026
Great, the agent I spoke with, Rosa, helped me and did a great job. She answered all my questions and was very polite and knowledgeable.
Sandra
Verified Review
Great Insurance Company
Reviewed in Florida on March 12, 2026
I have had Allstate since 1973, so I am really happy with my policy. No one else seems to meet the coverage and price.
Leslee
Verified Review
Basically satisfied with policy.
Reviewed in Florida on March 2, 2026
The experience has been very good; however, we feel like we need a policy that is more cost-effective.
Kenneth
Verified Review
Smug People Working in One Office
Reviewed in Florida on March 2, 2026
Allstate has a terrible crew. I never see the owner of the place, a smug guy that I don’t trust. Their prices are exceptionally high for nothing gained. I'm ready to find a new company to give my business to.
Joseph
Verified Review
Rising Rates, Zero Loyalty Considerations
Reviewed in Florida on March 1, 2026
They have been a good company for paying out on claims, but loyalty gets nothing in consideration to rates. I have been with them since 1982 and my rates are through the roof. They are always raising and NEVER offering a lower rate. I’m curious how much of my rate goes to agent commission.
Dan
Verified Review
Best Price
Reviewed in Florida on February 25, 2026
Best price.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate is the best option for senior drivers in Florida looking for flexibility in their policies. It offers a plethora of different coverages, including auto, home, condo, renters, motorcycle, ATV, and life insurance. It also offers numerous additional coverages other insurers don’t provide, including accident forgiveness and gap coverage. It’s a good choice for senior Floridian drivers who want more coverage options.
Pros
AM Best financial strength rating of A+ (Superior)
Offers pay-per-mile coverage
Offers a discount for completing a defensive driving course
Cons
1.2 out of 5 stars on Trustpilot
Not the cheapest option in Florida
Low J.D. Power claims satisfaction rating
Mile Auto: Best for pay-per-mile insurance
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $129/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $169/mo |
4.5
Best choice in FloridaBased on 193 verified driver reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Low-mileage drivers
Senior drivers
Cheap full coverage
Showing 3 reviews from Florida drivers - See all 66 Mile Auto reviews
Laura
Verified Review
Hindsight, y'all…
Reviewed in Florida on November 30, 2025
At first, it wasn’t so bad because my brother didn’t really do much driving, but as he started getting out and exploring, the bills got higher and higher. Many months we couldn’t get the app to work, and we would get stuck paying the max miles per month fee, and I would get a bill over $200! I can’t handle that anymore, so I’m looking for better rates.
Mark
Verified Review
Mile Auto Insurance
Reviewed in Florida on September 4, 2025
Don't buy Mile insurance if you drive great distances, i.e., 400 miles or more.
Janet
Verified Review
Mile Auto Insurance is Great
Reviewed in Florida on April 8, 2025
They are the most reasonable carrier. I've checked 15.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto is the best car insurance company for seniors in Florida looking for pay-per-mile insurance coverage. It offers affordable premiums for full coverage and minimum coverage. It’s a good option for seniors who don’t drive very often, but if your needs change and you need your car more frequently, it likely won’t remain the right choice.
Pros
Low-mileage drivers can save significantly
Roadside assistance available
3.2 out of 5 stars on Trustpilot
Cons
Not rated by J.D. Power or the National Association of Insurance Commissioners (NAIC)
Doesn’t offer any discounts
Can get expensive if you start driving more frequently
USAA: Best for military members, veterans, and their families
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
4.9
Best choice in FloridaBased on 3,317 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Florida for
Members of the military community
Outstanding customer service
Competitive rates
Showing 73 reviews from Florida drivers - See all 1,517 USAA reviews
Michael
Verified Review
65-year customer
Reviewed in Florida on March 26, 2026
Service is unsurpassed. It may cost a little more, but service and response with yearly discounts make up for it. All personnel are responsive and professional.
Alene
Verified Review
Great company
Reviewed in Florida on March 17, 2026
They're a great company - I've been with them for almost 60 years, but the price has become prohibitive compared to other companies.
Jeffrey
Verified Review
Insurance Online Direct
Reviewed in Florida on March 16, 2026
Cheap enough to try, given Florida's outrageous premiums.
Marcus
Verified Review
Used to be great
Reviewed in Florida on March 10, 2026
Same as any other insurance company. They used to be great when we just covered officers, but now that we cover anyone who can spell Army, the company has become mediocre and expensive to boot.
Bernadette
Verified Review
Priced out of the Insurance Company I Love
Reviewed in Florida on March 10, 2026
USAA is top-notch; just getting too pricey for me.
Michael
Verified Review
Poor
Reviewed in Florida on March 2, 2026
Great customer service. Rates are way too high.
Gunther
Verified Review
Very Happy with USAA!
Reviewed in Florida on March 1, 2026
I have been with USAA for many years. I am very happy with them and recommend them highly.
Eva
Verified Review
USAA
Reviewed in Florida on February 28, 2026
It is good but expensive.
Robert
Verified Review
Customer for over 35 years
Reviewed in Florida on February 28, 2026
Good customer service but very high rates.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
723NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is the best car insurance option for senior drivers who are veterans, active military, or qualifying family members. It offers exclusive coverages, discounts, and benefits to its members, making it an excellent option for the roughly 1.4 million veterans living in Florida. It also has stellar financial strength and customer satisfaction ratings across the board.
Pros
Exclusive discounts for qualifying members
Offers a discount for taking a defensive driving course
AM Best financial strength rating of A++ (Superior)
Cons
1.2 out of 5 stars on Trustpilot
No physical locations
Doesn’t have 24/7 customer support
Our editorial team analyzed regional and national auto insurance companies that sell policies in Florida to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance for seniors in Florida
Senior drivers have several ways to ensure they’re getting the best car insurance in Florida, including leveraging senior-friendly discounts.[1] [2]
Maintain a clean driving record
The best way for any driver, including seniors, to get reliable, cheap car insurance is by maintaining an incident-free driving history. This signals to car insurance companies that you’re a safe driver and unlikely to file a claim. People with clean driving records almost always pay less than drivers with infractions on their record.
Take advantage of discounts
Auto insurance discounts are one of the best ways to keep your coverage affordable. Just about every car insurance company offers numerous discounts, including ones friendly to seniors, such as for being a mature driver, being a defensive driver, and having low mileage. When shopping for insurance, ask companies what discounts they offer.
Consider your coverage level and deductible
Your policy limits should reflect how you use your vehicle. If you drive infrequently or have an older car, you may only need to carry the state-minimum coverage. But if you have a newer vehicle and drive often, you’ll want to carry full coverage. Additionally, you can lower your monthly premium by raising your deductible — just make sure you can afford it out of pocket if you need to file a claim.
Read customer reviews and third-party ratings
You should always read what other customers are saying about a car insurance company before buying a policy. This way, you know what to expect from the insurer if you ever need to file a claim. You should also consider third-party ratings and rankings from companies like J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC) to get an idea of an insurance company’s customer satisfaction and financial strength.
Compare car insurance quotes
No matter your age or location, you should always compare car insurance quotes from at least three different insurance companies before buying a policy. Every driver is different, and every insurance company determines rates differently, so no one insurer will be the best choice for every driver. Comparing quotes is one of the best ways to find cheap car insurance and narrow down quality companies.
Find Cheap Coverage for Senior Drivers
Minimum-coverage policies start as low as $85/mo. for Florida seniors
Excellent4.7 out of 5 based on 13,041 reviewsSecure. Free. Easy-to-use.
How much is car insurance for a senior driver in Florida?
Car insurance for senior drivers in Florida costs an average of $165 per month. Senior drivers pay an average of $148 per month for liability coverage and $183 for full-coverage car insurance.
In recent years, car insurance costs in Florida have been rising, increasing from $2,434 per year in January 2023 to $3,253 in August 2024. But rates have steadied in recent months, coming back down to $3,077 in January 2025.
Best car insurance in Florida for senior drivers FAQs
Finding the right car insurance in Florida as a senior can be tricky. Take a look at these answers to some of the most commonly asked questions about the best car insurance in Florida for senior drivers.
How much is car insurance in Florida?
Florida seniors pay average rates of $165 per month for car insurance — lower than the overall statewide average of $184. For liability insurance, seniors pay $148 per month. Full coverage costs seniors $183 per month, on average.
What are the best car insurance companies in Florida?
State Farm, GEICO, and Allstate are the best car insurance companies in Florida for senior drivers. They all provide affordable coverage, numerous discounts, and unique benefits to drivers. But another car insurance company may be best for you, as each insurer determines rates differently. Always compare quotes from multiple companies before buying a policy.
What car insurance discounts are available in Florida?
Dozens of car insurance discounts are available in Florida, including membership, alumni, occupational, and vehicle-specific discounts. Some of the most common car insurance discounts in Florida are good student, safe driver, low-mileage, defensive driving course, and military discounts. For a full list, see Insurify’s Florida car insurance discounts page.
How much car insurance do you need in Florida?
The minimum car insurance required in Florida is $10,000 in personal injury protection and $10,000 in property damage liability coverage.[3] This is lower than many other states’ requirements. Florida is one of the few states that doesn’t require bodily injury liability coverage. In most cases, you’ll want to carry more than Florida’s minimum coverage.
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Sources
- III. "Nine ways to lower your auto insurance costs."
- III. "How to save money on car insurance."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Sara GetmanAssociate Editor
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves yoga and knitting.
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.