Florida car insurance costs about $2,912 per year for full coverage and $1,207 for minimum coverage. Rates vary depending on your unique profile.
Average Cost of Car Insurance in Florida
Updated: August 19, 2025
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Key Takeaways
Florida car insurance costs range from $684 to $9,893 per year on average, depending on your chosen coverage, driving profile and location.
Florida has one of the country's most expensive car insurance rates, ranking 49th for minimum coverage and 51st for full coverage affordability among the 50 states and Washington, D.C.
Find the cheapest car insurance in Florida by deciding on coverage beforehand, researching costs and companies, and comparing multiple quotes.
Average Car Insurance Cost in Florida
| Full Coverage | $243 | $2,912 |
| Minimum Coverage | $101 | $1,207 |
*Rates are based on a 40-year-old driver with good credit, a clean driving record and a 2012 Toyota Camry LE. Minimum coverage means basic liability required by Florida law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Average Florida Car Insurance Cost by Category
Car insurance varies based on your profile, where you live and what you drive. Here's how rates change across different driver types:
| Young Drivers | $222 | $550 |
| Adult Drivers | $101 | $239 |
| Senior Drivers | $128 | $309 |
| Drivers With an Accident | $142 | $345 |
| Drivers With a DUI | $135 | $317 |
| Drivers With a Speeding Ticket | $118 | $291 |
| Drivers With Bad Credit | $130 | $270 |
| Drivers With Low Income | $92 | $188 |
| Drivers With Newer Cars | $81 | $194 |
| Drivers With Old Cars | $75 | $176 |
*We modified rates based on the same 40-year-old driver profile with these changes: young drivers (16 to 25), adults (26 to 64), seniors (65+), low income (fair credit), bad credit (poor credit), newer cars (2025 Toyota Camry LE), older cars (2007 Toyota Camry LE). Driving violation profiles include only that specific violation.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Check out our comprehensive roundup guides to identify the best cheap provider for your profile.
Personalized Average Florida Car Insurance Costs
To understand tailored average costs for your profile, use the filterable table below.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| 100/300/100,000 - 1000 comp_coll | $273 | $3,273 |
*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64) and seniors (65+).
Average Florida Car Insurance Cost by City
Location matters big time for Florida car insurance. Ponce De Leon has the cheapest rates at $751 per year. Pompano Beach? You're looking at $4,356 per year. Your ZIP code can make or break your budget.
Data filtered by:Results filtered by:
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City:Alachua
| Full Coverage | $162 | $1,950 |
| Minimum Coverage | $68 | $820 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by Florida law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Is Florida Car Insurance Expensive?
Florida ties with New Jersey and Louisiana as the most expensive state for car insurance in 2025 and ranks 51st in affordability for full coverage and 49th for minimum coverage. This reflects statewide averages, and affordability rankings for your city differ from the rest of the United States.
Why Is Car Insurance More Expensive in Florida?
Why does Florida insurance cost so much? Here are the main culprits:
No-fault insurance system
When you crash in Florida, you pay for your own medical bills regardless of who's at fault. More people filing claims means everyone's rates go up. Because of this system, full coverage runs about $2,912 per year. Florida Highway Safety and Motor Vehicles confirms that this no-fault system pushes the state to 49th place for insurance affordability.
PIP insurance requirements
Personal injury protection (PIP) makes up nearly 20% of auto insurance premiums in Florida, according to the Florida Office of Insurance Regulation. The required $10,000 PIP coverage hasn't changed since 1979, while medical costs have increased over 400%. This outdated requirement means Florida drivers pay $1,454 more annually than the national average for full coverage insurance.
High rate of uninsured drivers
Florida ranks second highest nationally for uninsured drivers, with 20.4% of motorists lacking coverage, according to the Insurance Information Institute. This far exceeds the national average of 12.6%, forcing insured drivers to pay higher premiums to offset costs from accidents involving uninsured motorists.
Severe weather risks
Florida's frequent hurricanes, tropical storms and flooding create substantial vehicle damage risks. The National Hurricane Center reports Florida experiences more hurricanes than any other state, leading insurers to charge higher comprehensive coverage rates for increased weather-related claims.
Rising health care costs
Health care spending in Florida increases by 7.3% annually, exceeding the national average of 5.7%, according to The Commonwealth Fund. Florida residents spend 31% of their income on health care, among the highest rates nationally. These high medical costs directly impact auto insurance premiums for injury coverage.
Insurance fraud impact
Florida ranks first nationally in insurance fraud, with over $1.2 billion in fraudulent auto claims annually, according to the National Insurance Crime Bureau. PIP fraud schemes and staged accidents are common, forcing insurers to raise rates statewide to offset these losses.
Tourism and traffic density
According to VISIT FLORIDA, the state had 137.6 million visitors in 2023, which means the state's roads are constantly congested with tourists unfamiliar with local traffic patterns. This high visitor volume increases accident rates in popular tourist areas, leading insurers to charge higher premiums.
Vehicle theft rates
Car thieves love Florida. The state ranks sixth nationwide for vehicle theft, with 53,000 cars stolen every year according to the Insurance Information Institute. Live in a city? Expect to pay more for comprehensive coverage since that's where most thefts happen.
Population demographics
Florida's population mix drives up insurance costs. More seniors live here than anywhere else: 21% of residents are over 65. Young adults make up another 12.3% of the population. Both groups crash more often, so everyone pays higher rates.
How to Lower Car Insurance Costs in Florida
Want to fight back against those sky-high premiums? Here's how to lower your car insurance costs:
- 1
Decide on coverage needs beforehand
Deciding on your coverage needs is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, vehicle details and risk tolerance when making this decision.
- 2
Research costs and discounts
To save money for your profile, know the average costs for your preferred coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance bundles for the most balanced perspective.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4
Compare quotes through multiple means
Compare quotes from multiple companies to find the best deal possible. Use various means of getting quotes, such as comparison sites and independent agents, since pricing varies widely by method.
Cost of Car Insurance in Florida: Bottom Line
Florida car insurance ranks among the priciest in the nation, so finding ways to save matters. Figure out what coverage you actually need, shop around thoroughly and get quotes from several insurers before deciding.
Cost of Car Insurance in Florida: FAQ
See the answers to frequently asked questions about Florida car insurance costs:
How much is Florida car insurance per month?
Florida car insurance costs $101 for minimum coverage and $243 for full coverage policies. Rates range from $57 to $824 monthly, depending on your unique driver profile and coverage choice.
What factors affect Florida car insurance costs?
Primary factors include driving history, age and location. Drivers with accidents, violations or those who are young face higher rates, while urban areas cost more than rural ones. Vehicle type, coverage amounts, credit score and annual mileage also impact premiums, along with factors like gender and marital status in some states.
Why is Florida car insurance so expensive?
Florida's car insurance is expensive due to its no-fault insurance system requiring costly PIP coverage, an extremely high rate of uninsured drivers (up to 20% vs. 12.6% nationally) and rampant insurance fraud that has created a "cottage industry" of fraudulent medical billing schemes.
The state's severe weather risks from hurricanes and storms, combined with 137.6 million annual tourists creating congested roads and higher accident rates, force insurers to charge higher premiums.
How expensive is Florida car insurance?
Florida ranks 49th in affordability for minimum coverage and 51st for full coverage, making it among the most expensive states for auto insurance in the U.S.
How We Determined Florida Car Insurance Costs
We used the following profile and modifications of this profile to determine Florida auto insurance costs across all available ZIP codes and cities in the state:
- 40 years old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage is the state's minimum liability coverage, and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements." Accessed August 20, 2025.
- Florida Office of Insurance Regulation. "FLOIR Homepage." Accessed August 20, 2025.
- Insurance Information Institute. "III Homepage." Accessed August 20, 2025.
- National Hurricane Center. "National Hurricane Center Homepage." Accessed August 20, 2025.
- National Insurance Crime Bureau. "Preventing Insurance Fraud." Accessed August 20, 2025.
- The Commonwealth Fund. "The Commonwealth Fund Homepage." Accessed August 20, 2025.
- Visit Florida. "Visit Florida Homepage." Accessed August 20, 2025.