USAA Florida Auto Insurance Rates
Median premium: $906/6mo across 1,473 ZIP codes.
Based on SERFF regulatory rate filings — updated March 2026.
How USAA Compares in Florida
Median 6-month premium across all rated ZIPs. USAA highlighted in blue.
Geographic Detail
Cheapest Cities for USAA
| City | Avg Premium | vs. State Median |
|---|---|---|
| Naples | $543 | -59% |
| Bonita Springs | $543 | -59% |
| Copeland | $543 | -59% |
Most Expensive Cities for USAA
| City | Avg Premium | vs. State Median |
|---|---|---|
| North Miami Beach | $1,138 | -15% |
| Key Biscayne | $1,138 | -15% |
| Coral Gables | $1,138 | -15% |
USAA Florida Insurance FAQ
ZIP Code Lookup
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Other carriers in Florida
USAA ranks #1 out of 10 carriers in Florida with a median 6-month premium of $906. This places USAA 32% below the statewide median of $1,340. The carrier covers 1,473 ZIP codes across the state, with premiums ranging from $543 to $1,138.
USAA is the cheapest option in 100% of Florida ZIP codes (1,473 ZIPs). The most affordable USAA rates are found in Naples, where the average premium is just $543. On the other end, North Miami Beach has the highest USAA premiums, averaging $1,138 per 6-month term.
All rate data is sourced from SERFF regulatory filings and validated through TrueFactor's AI-powered validation pipeline. Rates shown are 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 continuously as new filings are processed.
Want to see rates for your ZIP code?
Access ZIP-level rate data across all 10 carriers, 1,473 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.