Frequently asked questions

FloridaCheapRates is an online auto insurance comparison platform that helps drivers get matched with top-rated providers.  We help drivers find coverage that fits their needs and budget.



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After answering a few quick questions, FloridaCheapRates matches you with insurance offers from our insurance partners.

You can review your options and continue to the carrier’s website to complete your quote or speak with a licensed agent for help.

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In 2 minutes or less, we match you with top offers from insurance carriers and highlight potential discounts you may qualify for, so you don’t miss savings. By comparing options in one place, you could save time and money on auto insurance.

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No. FloridaCheapRates isn’t an insurance company and does not underwrite or issue insurance policies.  We work with over 90 insurance partners, including Geico, Allstate and others to help you compare coverage options.

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At FloridaCheapRates, our goal is to bring you the best in all things automotive. We partner with select brands that align with our commitment to quality, sustainability, and innovation. When you purchase through our links, we may earn a commission. This supports our ability to provide you with premium content and expert reviews.

You’ll buy your policy directly from the insurance company. FloridaCheapRates helps match you with available insurance options, and when you click an offer, you’re redirected to the insurer’s site to review coverage details and finalize your policy.

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Insurance companies often look at similar details—like where you live and your driving record—but each uses its own pricing model. That means the same driver can receive very different quotes. FloridaCheapRates also surfaces potential discounts based on your answers, so you don’t miss savings you may qualify for. Comparing multiple insurers helps you see a broader range of prices and coverage options.

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Auto insurance rates usually depend on your location, car, driving history, and other factors. FloridaCheapRates matches you with different insurers to help you find the best fit in terms of price and coverage.

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Possibly. Homeowners could pay less for car insurance because they may have options to bundle home and auto policies, which often comes with discounts.

Let’s bundle & save!