Average Cost of Car Insurance in Florida

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Updated: October 26, 2025

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Key Takeaways
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Florida car insurance costs range from $684 to $9,893 per year on average, depending on your chosen coverage, driving profile and location.

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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.

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Find the cheapest car insurance in Florida by deciding on coverage beforehand, researching costs and companies, and comparing multiple quotes.

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What is The Average Cost of Car Insurance in Florida?

At $2,912 annually for full coverage, Florida ranks among America's most expensive car insurance markets in the top five nationally. Minimum coverage costs $1,207, placing Florida well above national averages for both coverage types.

The Sunshine State's high costs reflect hurricane risks, frequent severe weather and elevated fraud rates. Upgrading from minimum to full coverage adds $1,705 yearly, or about $142 monthly, based on a 40-year-old driver with good credit and a clean record. Learn which companies are the most affordable 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 Car Insurance Cost in Florida by City

From rural Bonifay at $147 monthly to Miami Gardens at $363 monthly, Florida shows a staggering $216 difference across its 619 analyzed cities. This dramatic variation reflects the state's extreme diversity in hurricane risk, crime rates and population density.

Hurricane zones, crime rates and population density create these substantial regional differences. Florida's size and diversity create distinct insurance territories throughout the state. Compare rates for your city below.

Data filtered by:
Full Coverage
Alachua$162$1,950
Alafaya$208$2,494
Alford$149$1,788
Altamonte Springs$195$2,338
Altha$154$1,844
Altoona$183$2,194
Alva$188$2,255
Anna Maria$205$2,463
Anthony$180$2,160
Apalachicola$154$1,847
Apollo Beach$249$2,986
Apopka$209$2,504
Arcadia$179$2,147
Archer$164$1,970
Argyle$170$2,034
Aripeka$255$3,055
Astatula$183$2,194
Astor$182$2,182
Auburndale$205$2,461
Aventura$287$3,449
Avon Park$181$2,168
Babson Park$199$2,383
Baker$163$1,959
Barberville$204$2,443
Bardmoor$241$2,887
Bartow$198$2,381
Bascom$148$1,779
Bayshore Gardens$208$2,493
Bee Ridge$182$2,178
Bell$165$1,977
Bellair-Meadowbrook Terrace$193$2,311
Belleair Beach$231$2,775
Belle Glade$253$3,034
Belleview$181$2,170
Bellview$178$2,136
Berrydale$173$2,072
Big Pine Key$190$2,281
Bithlo$207$2,479
Blountstown$154$1,850
Boca Grande$177$2,119
Boca Raton$291$3,492
Bokeelia$183$2,195
Bonifay$147$1,768
Bonita Springs$173$2,079
Bostwick$202$2,420
Bowling Green$186$2,232
Boynton Beach$308$3,697
Bradenton$204$2,446
Bradley$201$2,410
Brandon$270$3,235
Branford$164$1,965
Bristol$158$1,898
Brooker$179$2,147
Brooksville$239$2,873
Bryceville$179$2,152
Buenaventura Lakes$220$2,637
Bunnell$183$2,199
Bushnell$181$2,176
Callahan$179$2,148
Callaway$162$1,942
Campbellton$148$1,775
Canal Point$251$3,007
Candler$200$2,399
Cantonment$174$2,087
Cape Canaveral$182$2,185
Cape Coral$219$2,624
Captiva$178$2,139
Carrabelle$156$1,870
Carrollwood$280$3,364
Caryville$147$1,770
Cassadaga$210$2,524
Casselberry$195$2,336
Cedar Key$164$1,973
Center Hill$183$2,199
Century$171$2,051
Chattahoochee$158$1,902
Cheval$261$3,130
Chiefland$166$1,990
Chipley$149$1,791
Chokoloskee$181$2,178
Christmas$204$2,449
Citra$180$2,158
Citrus Park$271$3,247
Citrus Springs$184$2,208
Clarksville$155$1,860
Clearwater$259$3,105
Clearwater Beach$275$3,301
Clermont$185$2,218
Clewiston$193$2,313
Cocoa$187$2,240
Cocoa Beach$183$2,199
Coconut Creek$266$3,187
Coleman$180$2,160
Cooper City$244$2,932
Copeland$183$2,199
Coral Gables$273$3,276
Coral Springs$307$3,684
Coral Terrace$268$3,211
Cortez$205$2,460
Cottondale$148$1,775
Country Club$289$3,463
Crawfordville$163$1,958
Crescent City$182$2,186
Crestview$162$1,939
Cross City$165$1,974
Crystal Beach$241$2,897
Crystal River$191$2,297
Cutler Bay$273$3,273
Cypress Lake$186$2,229
Dade City$236$2,828
Dania$268$3,213
Davenport$204$2,449
Davie$247$2,958
Daytona Beach$186$2,230
Debary$190$2,283
Deerfield Beach$278$3,331
Defuniak Springs$148$1,772
De Funiak Springs$148$1,772
Deland$190$2,279
De Leon Springs$186$2,234
Delray Beach$311$3,729
Deltona$194$2,324
Destin$162$1,946
Doctor Phillips$210$2,516
Doctors Inlet$202$2,429
Doral$278$3,339
Dover$253$3,036
Dundee$205$2,466
Dunedin$239$2,866
Dunnellon$179$2,152
Durant$264$3,172
Eagle Lake$206$2,469
Earleton$162$1,938
East Bronson$170$2,041
East Lake$243$2,914
Eastlake Weir$177$2,120
East Milton$177$2,129
East Palatka$183$2,199
Eastpoint$154$1,852
Eaton Park$217$2,608
Ebro$153$1,836
Edgewater$184$2,209
Eglin AFB$160$1,922
Egypt Lake-Leto$311$3,732
El Jobean$199$2,389
Elkton$175$2,099
Ellenton$209$2,507
Englewood$173$2,075
Ensley$180$2,159
Estero$182$2,180
Eustis$183$2,192
Everglades City$177$2,124
Evinston$187$2,242
Fairfield$193$2,313
Feather Sound$238$2,861
Felda$187$2,242
Fellsmere$192$2,305
Fernandina Beach$175$2,094
Ferndale$202$2,424
Fern Park$195$2,338
Ferry Pass$178$2,137
Fisher Island$275$3,298
Fish Hawk$247$2,963
Flagler Beach$182$2,184
Flagler Estates$176$2,114
Fleming Island$190$2,277
Florahome$184$2,206
Floral City$190$2,279
Florida City$280$3,355
Florida Ridge$193$2,315
Fort Lauderdale$313$3,760
Fort Mc Coy$178$2,140
Fort Meade$196$2,350
Fort Myers$204$2,445
Fort Myers Beach$180$2,161
Fort Ogden$199$2,388
Fort Pierce$210$2,523
Fort Pierce North$211$2,534
Fort Walton Beach$161$1,928
Fort White$181$2,170
Fountain$164$1,963
Fountainebleau$287$3,445
Four Corners$198$2,377
Freeport$149$1,793
Frostproof$196$2,355
Fruit Cove$178$2,132
Fruitland Park$179$2,151
Fuller Heights$201$2,417
Gainesville$177$2,118
Geneva$190$2,284
Georgetown$183$2,194
Gibsonton$262$3,145
Gifford$193$2,317
Glen St. Mary$182$2,183
Glenvar Heights$260$3,121
Glenwood$206$2,476
Golden Gate$177$2,129
Goodland$177$2,129
Gotha$208$2,496
Goulds$282$3,386

Average Car Insurance Cost in Florida by Driver Category

Young drivers pay Florida's steepest rates at $550 monthly for full coverage while older vehicle owners secure the most affordable premiums at $176 monthly. The $374 gap between these categories reflects Florida's challenging insurance environment more dramatically than most states.

Credit-challenged drivers face severe additional penalties, with rates climbing to $270 monthly. Young drivers encounter particularly steep costs at $550 monthly, reflecting both inexperience and Florida's high-risk roads.

Older vehicle owners achieve some savings through depreciated vehicle values at $176 monthly, though Florida's hurricane risks keep comprehensive coverage costs elevated. Florida's unique combination of weather risks, fraud concerns and dense population creates elevated base rates, with demographic factors adding substantial premiums across all driver profiles.

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

The Sunshine State's expensive baseline affects everyone who drives here. Adult drivers with good credit pay $239 monthly for full coverage, establishing Florida's expensive benchmark.

Average Cost of Car Insurance by Age & Gender

Car insurance costs depend on factors such as location, age and gender. Teen drivers in Florida pay the highest premiums because they’re considered high-risk, while male drivers often pay more than females until both reach adulthood.

Data filtered by:
Male
Full Coverage
Adult Drivers$203$2,431
Senior Drivers$263$3,159
Young Drivers$461$5,536

*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64) and seniors (65+).

How Driving Record Impacts Car Insurance Cost in Florida?

Your driving record is one of the biggest factors affecting car insurance rates in Florida. Safe drivers with a clean record often pay the lowest premiums, while violations like speeding or DUIs can sharply increase costs. The table below shows how rates change based on driving history.

Data filtered by:
Full Coverage
Clean$203$2,431
Not At Fault Accident ($1000-$1999 Prop Dmg)$216$2,596
Texting While Driving$236$2,832
Speeding 11-15 MPH over limit$242$2,904
DUI - BAC >= .08$268$3,215
At Fault Accident ($1000-$1999 Prop Dmg)$289$3,463

Average Cost of Car Insurance in Florida by Credit

Credit history also plays a major role in car insurance pricing. Drivers with good credit usually pay much less than those with poor credit. The table below breaks down average costs by credit tier.

Data filtered by:
Full Coverage
Excellent$112$1,347
Fair$161$1,928
None$181$2,169
Below Fair$188$2,251
Good$203$2,431
Poor$229$2,752

Florida Average Car Insurance Cost by Company

The spread between Travelers at $112 monthly and GEICO at $203 monthly for full coverage creates a massive $1,090 annual savings opportunity for comparison shoppers. Florida's competitive market features dramatic pricing differences between major insurers.

Travelers, State Farm, Metropolitan Group, Nationwide and GEICO each take different pricing approaches in the Sunshine State. Shopping around pays off substantially in Florida's complex risk environment.

Companies vary their approaches to weather risk, fraud prevention and regional coverage strategies, creating these significant rate variations. The difference between the most and least expensive carriers can save Florida residents over $1,000 annually.

Travelers$52$112
Geico$63$203
State Farm$64$138
Metropolitan Group$64$161
Nationwide$82$176

Is Florida Car Insurance Expensive?

Florida has some of the highest car insurance rates in the country, ranking alongside New Jersey and Louisiana. It’s the least affordable state for full coverage and nearly as expensive for minimum coverage. Your actual cost depends on your city, driving record and the type of coverage you choose.

Why Is Car Insurance More Expensive in Florida?

Curious about why Florida insurance cost so much? Here are some of the biggest reasons drivers in the state pay more:

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    No-Fault Insurance System

    In Florida, drivers handle their own medical expenses after an accident, no matter who caused it. 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.

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    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.

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    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.

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    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.

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    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.

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    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.

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    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.

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    Vehicle Theft Rates

    Vehicle theft is a growing issue in Florida, which ranks sixth nationwide with about 53,000 cars stolen each year, according to the Insurance Information Institute. Drivers in urban areas generally pay higher comprehensive premiums since theft rates are higher in cities.

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    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

High insurance premiums can take a toll on your budget. Here are a few practical ways to lower your car insurance costs without cutting essential coverage.

  1. 1
    Decide on Coverage Needs Beforehand

    Knowing your coverage needs makes it easier to choose the right protection without overspending. Consider your budget, how often you drive and your vehicle’s value before deciding what’s worth including.

  2. 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. 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. 4
    Compare Quotes Through Multiple Means

    Compare quotes from different insurers to get the best deal. You can check comparison sites, contact independent agents or visit company websites directly, since prices often vary by source.

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?

What factors affect Florida car insurance costs?

Why is Florida car insurance so expensive?

How expensive is Florida car insurance?

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

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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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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