Introduction
Florida NFL fans finally have real options. While Hard Rock Bet is the state’s only licensed sportsbook, social/sweepstakes apps and peer-to-peer fantasy platforms give you additional ways to make NFL predictions—often with lower fees and broader access.
This guide ranks the top 5 Florida-friendly options for 2025 by legality, NFL depth, cost/fairness, and overall experience. (Always check each app for the latest eligibility and rules.)
Summary Comparison Table
How We Ranked These Platforms
We evaluated each platform based on four key dimensions:
- Fairness & Fees: How much players actually keep after each bet.
- NFL Market Depth: Variety and quality of NFL lines, props, and live betting.
- Experience & Trust: User experience, app reliability, and transparency.
- Innovation & Access: Legal availability, creativity of features, and state accessibility.
1) Top Pick: Novig
Novig functions as a peer-to-peer market, which shines on NFL alt spreads/totals, anytime-TD and yardage ladders. Lines are set by traders, not a book, so you can find or post prices that fit your read. With zero commissions, you preserve more of the edge on tightly bet Sunday markets and can hedge live without eating house vig.
NFL experience & features
- Core markets (spreads/totals/moneylines) plus the widest breadth and depth of bet types (player props, live/micro markets, futures, and user‑created markets)—all priced via user competition
- The only commission-free exchange, so you keep 100% of your winnings.
- Available pretty much everywhere (in 38+ states)
What to know in Florida
Operates via a sweepstakes/social model with no‑purchase‑necessary paths; eligibility and age requirements vary—confirm in app.
2) Also Great: Fliff
Fliff runs a sweepstakes‑based “social sportsbook” with a two‑wallet system: Fliff Coins for free play and Fliff Cash that can be redeemed for cash/prizes under its sweepstakes rules. Florida users are eligible; the app excludes Washington, and certain states restrict promotions that can change month‑to‑month. Expect a sportsbook‑style NFL menu (sides, totals, props, parlays) without a traditional deposit requirement, plus daily missions and rewards.
3) Strong P2P Option: Underdog
Underdog operates DFS contests across many jurisdictions and supports Florida with peer‑to‑peer formats instead of “vs‑house” pick’em. You build entries on NFL stat lines and compete against other users (arena/bracket or head‑to‑head structures), and the platform also runs popular Best Ball and draft products. The menu is tighter than a full sportsbook or prediction market—expect focused player picks and contest formats rather than every niche or micro‑market.
4) Easy P2P Picks: PrizePicks
PrizePicks’ Real Money Game is live in Florida for ages 18+, and the company has shifted its U.S. DFS product to peer‑to‑peer “Arena” structures. You select 2-6 NFL players and choose More/Less on their projections; payouts follow clear Minimum Guarantee tables (e.g., Flex vs. Power) and can update even during live games. The P2P format means you’re matched into contests rather than playing against the house. Similar to Underdog, it’s also a slimmer menu than a sportsbook or prediction market—streamlined player projections over a wide breadth of markets.
5) Fully Regulated Sportsbook: Hard Rock Bet
Hard Rock Bet is Florida’s exclusive licensed online sportsbook, open to 21+ and geofenced within state lines. It delivers the classic fixed‑odds NFL experience—full pregame and live markets, same‑game parlays, account‑level protections, and bank‑style deposits/withdrawals—backed by the Seminole Tribe’s statewide compact. It’s the right pick if you want a traditional, state‑regulated book; just note you won’t have cross‑state continuity or user‑posted prices like an exchange. Because this guide weights trading mechanics and portability, it lands at #5: odds are house‑priced (you can’t set your own price or create markets) and access is Florida‑only, so active traders have less control than on exchanges or P2P apps.
Final Takeaway
- Weekly slates + big game liquidity = start with Novig for alt lines, ladders, and hedging flexibility.
- Fliff fits casual NFL entry play.
- Underdog/PrizePicks make fast P2P NFL picks easy.
- Prefer the traditional book setup? Hard Rock Bet covers full NFL pregame and live options.
FAQs
Is Novig legal in Florida?
Yes—Novig operates as a prediction market legal in over 38 states, including Florida.
Which app has the best NFL odds?
Novig’s exchange lets users set real market odds, ensuring the fairest prices.
What’s the fastest-paying sportsbook in Florida?
Novig payouts within 1–3 days—among the quickest in the market.
Is there a deposit minimum?
No deposit required to get started on Novig’s social platform.
