Progressive Auto Insurance in Florida
Progressive is the largest U.S. auto insurer (~14% market share, edging GEICO since 2023). Its Snapshot telematics program is the longest-running usage-based pricing tool in the country. Here's what Progressive typically costs in Florida for 2026 — plus the 3 cheaper alternatives most Florida drivers overlook.
Estimated annual premium
$2,400
Estimated monthly
$200
Florida state avg
$2,625
vs Florida avg
-9%
Why drivers pick Progressive
Snapshot telematics commonly delivers 10-30% discounts for low-mileage and conservative drivers — the deepest savings in the market for usage-based pricing.
Where Progressive falls short
Initial quotes for high-risk drivers (poor credit, recent claims) often run above peer carriers; competitive renewal pricing is more important than initial savings here.
Florida minimum coverage requirements
- Bodily Injury Liability: 10/20 thousand per person / per accident
- Property Damage Liability: $10K
- No-Fault State: Personal Injury Protection (PIP) coverage required
No-fault state with PIP requirement. Hurricane risk + 20% uninsured drivers drive top-5 highest rates.
Cheaper alternatives to Progressive in Florida
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Progressive for a comparable driver profile in Florida. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Progressive discounts available to Florida drivers
Frequently asked questions
How much does Progressive auto insurance cost in Florida?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Progressive in Florida runs about $2,400/year (~$200/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Progressive cheaper than other carriers in Florida?
Yes — Progressive typically runs about 9% below the Florida state average ($2,625/year for all carriers combined). The cheaper alternatives in Florida are typically USAA, GEICO, State Farm. Whether Progressive is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the Florida minimum coverage requirements?
Florida requires at least 10/20 thousand in bodily-injury liability per person/per accident and $10K in property-damage liability. Florida is a no-fault state, so personal injury protection (PIP) is also required. No-fault state with PIP requirement. Hurricane risk + 20% uninsured drivers drive top-5 highest rates.
Does Progressive offer discounts to Florida drivers?
Progressive offers 6+ discounts that Florida drivers can stack: Snapshot (telematics), Multi-policy, Continuous insurance, Sign online, Pay in full, Homeowner. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
Methodology: Estimated annual premium is computed as Progressive's national average ($1,633) multiplied by Florida's state-vs-national premium index ($2,625 ÷ national average $1,789 ≈ 1.47x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Progressive J.D. Power score: 829/1000. A.M. Best rating: A+ (2024).