Average Cost of Car Insurance in Florida for 2026

Full coverage ranges from $186 per month in Tallahassee to $315 per month in Tampa and Miami across Florida's seven largest cities, a $129 monthly difference that adds up to $1,548 per year for the same driver and coverage. Tampa and Miami are tied at the top, with Fort Lauderdale one step behind at $313 per month. All three sit in South Florida or the Tampa Bay metro, where traffic density and vehicle theft rates are high.

Tallahassee, Jacksonville, and Orlando come in well below the others at $186, $212, and $227 per month. Minimum coverage follows the same geographic pattern, ranging from $79 per month in Tallahassee to $135 per month in Tampa.

Travelers costs $95 per month for full coverage in Florida and $44 per month for minimum coverage, making it the cheapest option in the state by a wide margin. State Farm is the next-cheapest at $114 per month for full coverage and $52 for minimum coverage, while Metropolitan Group charges $143 and $57 for full and minimum coverage, respectively. Allstate at $334 per month and Farmers at $336 are the most expensive full-coverage options available in Florida; both insurers are more than three times what Travelers charges for the same profile.

For personalized recommendations for the lowest rates in the state from top-rated companies, see our guide on the cheapest car insurance in Florida.

A 16-year-old male on a family policy costs $473 per month in Florida, more than twice the adult rate of $203, while the same driver on an individual policy costs $910 per month, which is $5,243 more per year than staying on the family policy.

Family policies are always the more affordable option up to age 20, at which point individual coverage at $393 per month first drops below the family rate of $399 per month. By age 21, individual coverage at $309 per month is $84 less than the family rate of $316, making the switch financially worthwhile.

Rates on individual policies for all ages and genders continue falling through the mid-20s, reaching $216 per month at age 25, slightly above the adult baseline of $203.

Rates above reflect a male driver added to a family car insurance policy with two 50-year-old parents, full coverage and a clean record.

High-risk insurance for drivers in Florida with an at-fault accident raises full coverage from $203 to $289 per month, adding $1,032 per year. A DUI raises full coverage in Florida to $268 per month, adding $784 per year.

Texting while driving costs $236 per month, $33 more than the clean rate, and speeding costs $242 per month. A not-at-fault accident adds just $13 per month at $216, making it the smallest violation impact in the state.

These figures are averages across all companies, and the actual increase varies by insurer; re-shopping after a violation often recovers a portion of the rate increase because companies weigh violations differently.

Poor credit costs $415 per month for full coverage in Florida and $203 per month for minimum coverage, compared to $199 and $102 per month with excellent credit, a $216 gap on full coverage and a $101 gap on minimum.

Since Florida allows credit-based insurance scores when pricing policies, and the weighting varies by company, drivers with below-excellent credit who re-shop may find companies that charge less for their credit tier and don't require an improvement in their score for lower rates.

Residents of Florida with low income and poor credit will reduce their car insurance premiums as they improve their credit scores over time.

Florida car insurance ranges from $86 per month for state minimum liability to $236 per month for a 300/500/300 policy with comprehensive and collision, a $150 monthly difference, or $1,795 per year, across eight coverage levels with varying deductibles.

Adding comprehensive and collision to minimum liability costs $9 more per month at a $1,000 deductible, bringing the total to $95 per month, while dropping to a $2,000 deductible raises the cost to $117 per month because the higher out-of-pocket deductible shifts more risk onto the driver.

Mid-range coverage at 50/100/50 limits with a $500 deductible runs $178 per month, and the standard full coverage profile at 100/300/100 limits with a $1,000 deductible runs $203 per month. Lenders require full coverage on financed vehicles, so drivers with loans have no choice of tier, and the relevant comparison is which company charges less.

A Toyota RAV4 costs $232 per month for full coverage in Florida, while a Tesla Model Y Long Range costs $329 per month, a $97 monthly difference, or $1,164 per year, for the same driver profile and coverage level.

The Toyota Prius at $233 per month and the Ford F-150 XL at $236 are the next-cheapest full-coverage options, followed by the Honda Civic LX and Accord LX at $258, the RAV4 LE at $262, and the Camry LE at $263.

The F-150 Lightning Lariat costs $290 per month compared to $236 for the XL, and the Tesla Model 3 Long Range runs $324, just below the Model Y Long Range at $329 per month. For minimum coverage, all ten vehicles fall in a $97 to $109 per month band.

Your rate will depend on your vehicle and its safety features, repair costs and theft rates.

Florida drivers often pay more for car insurance due to the state's no-fault laws and frequent weather-related claims. These are the questions we hear most from Florida residents trying to understand their rates.

We used this profile to determine 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

Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.

Minimum coverage is Florida's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.