GEICO Florida Auto Insurance Rates
Median premium: $1,258/6mo across 1,473 ZIP codes.
Based on SERFF regulatory rate filings — the official rate structure GEICO filed with the Florida Department of Insurance.
How GEICO Compares in Florida
Median 6-month premium across all rated ZIPs. GEICO highlighted in blue.
Geographic Detail
Cheapest Cities for GEICO
| City | Avg Premium | vs. State Median |
|---|---|---|
| Naples | $755 | -43% |
| Bonita Springs | $755 | -43% |
| Copeland | $755 | -43% |
Most Expensive Cities for GEICO
| City | Avg Premium | vs. State Median |
|---|---|---|
| North Miami Beach | $1,581 | +20% |
| Key Biscayne | $1,581 | +20% |
| Coral Gables | $1,581 | +20% |
GEICO Florida Insurance FAQ
ZIP Code Lookup
Enter your ZIP code to see GEICO's rate in your area.
Other carriers in Florida
GEICO ranks #4 out of 13 carriers in Florida with a median 6-month premium of $1,258. This places GEICO 5% below the statewide median of $1,322. The carrier covers 1,473 ZIP codes across the state, with premiums ranging from $755 to $1,581.
GEICO is the cheapest option in 0% of Florida ZIP codes (0 ZIPs). The most affordable GEICO rates are found in Naples, where the average premium is just $755. On the other end, North Miami Beach has the highest GEICO premiums, averaging $1,581 per 6-month term.
All rate data is sourced from SERFF regulatory filings — the official rate structures GEICO filed with the Florida Department of Insurance. Rates shown are calculated using GEICO's filed rating algorithm for a standard driver profile (35-year-old, clean record, 2024 Toyota Camry LE, 50/100/50 liability). Actual premiums may vary based on your specific profile, driving history, and coverage selections. Data is updated within days of new filing approvals.
Want to see rates for your ZIP code?
Access ZIP-level rate data across all 13 carriers, 1,473 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.