GEICO Insurance in Florida

GEICO, founded in 1936 and headquartered in Chevy Chase, Maryland, offers auto, motorcycle, renters, home, and RV insurance. GEICO (Government Employees Insurance Company) is one of the largest auto insurers in the United States, known for competitive direct-to-consumer rates, a robust mobile app, and 24/7 service. A subsidiary of Berkshire Hathaway, GEICO writes coverage across all 50 states.

In Florida, drivers are required to carry minimum auto liability coverage of $10k PIP + $10k PD (no BI minimum). Florida is a no-fault state with among the highest auto rates nationally. Home insurance is extremely expensive due to hurricane exposure. In 2023, the average Florida driver spent $1,865 per insured vehicle (NAIC Auto Insurance Database Report, 2023 data), though your actual rate with GEICO may be higher or lower depending on your driving record, vehicle, and coverage level.

GEICO is built for drivers who buy direct and manage the policy in the app. Comparing several carriers side by side is the surest way to find the best rate in Florida, whether you need basic liability or full coverage.

Florida also faces elevated hurricane and tropical-storm wind exposure, which affects how carriers price coverage here. When evaluating GEICO in Florida, pay attention to deductibles for wind, hail, or wildfire — they can vary significantly between carriers and meaningfully change your out-of-pocket cost after a claim.