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Your age, city, coverage, credit score and driving record are just a few variables that may affect how much your car insurance will cost. The most expensive and cheapest full coverage rates in Florida, respectively, are $2,289 from Direct General Insurance and $1,058 from State Farm. There is a $405 price difference between Florida drivers in their 20s ($2,006 annually) and drivers in their 60s ($1,601 annually).

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2023

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Average Car Insurance Costs in Florida (2023)

The average annual cost of auto insurance in Florida is $1,628; however, your rates may vary according to different aspects of your driving profile. The average rates for drivers with various records are as follows:

  • Clean record: $1,628 per year
  • Speeding ticket: $2,083 per year
  • DUI: $2,353 per year
  • At-fault accident: $2,572 per year

The prices listed above are for full coverage insurance. Minimum coverage insurance rates are typically more affordable.

Driving Record
Annual Premium
Monthly Premium

Clean

$783

$65

Clean

$804

$67

Clean

$931

$78

Ticket

$984

$82

Ticket

$990

$83

Ticket

$1,096

$91

DUI

$1,103

$92

DUI

$1,124

$94

At-Fault Accident

$1,204

$100

DUI

$1,243

$104

At-Fault Accident

$1,243

$104

At-Fault Accident

$1,342

$112

Clean

$1,601

$133

Clean

$1,628

$136

Clean

$2,006

$167

Ticket

$2,083

$174

Ticket

$2,101

$175

DUI

$2,353

$196

DUI

$2,396

$200

Ticket

$2,423

$202

At-Fault Accident

$2,572

$214

At-Fault Accident

$2,673

$223

DUI

$2,771

$231

At-Fault Accident

$2,970

$247

Why Are Car Insurance Rates Expensive in Florida?

The average annual cost of auto insurance in Florida is $1,628, much higher than the $1,054 national average. These more expensive rates may be due to heavier traffic, dense urban populations and higher car theft levels. Rates in Florida may also be higher due to its personal injury protection requirements.

It’s also likely that specific factors like your driving record or age are some reasons why auto insurance premiums in Florida are expensive.

Average Car Insurance Costs in Florida by Company

The average cost of auto insurance may be misleading because of the price variation between companies. GEICO offers the cheapest car insurance in Florida at $485 annually for a minimum coverage policy ($1,217 for full coverage). State Farm provides the lowest average full coverage policy rates at $1,058 annually. Direct General Insurance is the most expensive, with minimum coverage costing an average of $1,250 annually ($2,289 for full coverage).

Liability-only insurance is cheap, but shopping around could enable you to identify the cheapest full coverage insurance.

Company
Annual Premium
Monthly Premium

GEICO

$446

$37

State Farm

$473

$39

GEICO

$485

$40

State Farm

$507

$42

State Farm

$581

$48

Travelers

$614

$51

GEICO

$634

$53

Travelers

$637

$53

Nationwide

$645

$54

Nationwide

$679

$57

Mercury

$681

$57

Travelers

$693

$58

Mercury

$732

$61

Nationwide

$780

$65

Allstate

$881

$73

Farmers

$883

$74

Allstate

$906

$76

Mercury

$920

$77

Allstate

$931

$78

Farmers

$931

$78

State Farm

$970

$81

Farmers

$1,041

$87

State Farm

$1,058

$88

GEICO

$1,128

$94

Progressive

$1,153

$96

Progressive

$1,170

$97

Direct General Insurance

$1,199

$100

GEICO

$1,217

$101

Direct General Insurance

$1,250

$104

State Farm

$1,259

$105

Progressive

$1,307

$109

Travelers

$1,311

$109

Nationwide

$1,317

$110

Travelers

$1,378

$115

Nationwide

$1,410

$118

Direct General Insurance

$1,496

$125

Mercury

$1,540

$128

Travelers

$1,575

$131

Mercury

$1,592

$133

Nationwide

$1,664

$139

GEICO

$1,710

$142

Farmers

$1,802

$150

Allstate

$1,925

$160

Progressive

$1,931

$161

Farmers

$1,963

$164

Progressive

$1,974

$164

Allstate

$2,005

$167

Allstate

$2,112

$176

Mercury

$2,243

$187

Direct General Insurance

$2,247

$187

Farmers

$2,249

$187

Direct General Insurance

$2,289

$191

Progressive

$2,321

$193

Direct General Insurance

$2,922

$244

Insurance Rates

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MONEYGEEK’S FLORIDA CAR INSURANCE CALCULATOR

Insurers evaluate your coverage levels and consider specifics like your age, driving record and location when calculating your insurance rates. With MoneyGeek's Florida car insurance calculator, you can get an accurate idea of your insurance premiums.

Average Car Insurance Costs in Florida by Coverage Level

The cost of insurance will generally rise with increasing liability limits. Drivers in Florida typically pay $1,909 for full coverage with maximum liability limits, as opposed to $804 for the legally mandated minimum level of coverage. However, you can lower your monthly rates by increasing your deductible on a full coverage car insurance policy, leading to potential long-term savings.

Average annual car insurance rates by coverage tier

Florida's cheapest minimum coverage policies cover the lowest liability limits. However, these policies may be more expensive than average due to the state’s personal injury protection requirement.

Insurers provide policies with higher liability limits, such as 100/300/100 or 50/100/50. Liability limits of 100/300/100 cover the following:

  • $100,000 for bodily injury liability per person
  • $300,000 for bodily injury liability per accident
  • $100,000 for property damage liability

Generally, a company's maximum liability policy is 300/500/300. While liability insurance covers harm or injury toward others, comprehensive and collision insurance covers the costs of damages to you and your vehicle. These coverage selections constitute a full coverage policy.

Average Car Insurance Costs in Florida by Age

Your age could significantly impact the cost of your auto insurance, especially if you are a new driver. Below are Florida’s average full coverage rates by age:

  • 22–29: $2,006 per year
  • 30–59: $1,628 per year
  • 60+: $1,601 per year

Rates for drivers between the ages of 30 and 59 are generally stable until they reach the age of 60, whereas premiums are frequently expensive for drivers in their 20s or those who have just started driving.

Age
Annual Premium
Monthly Premium

22-29

$2,006

$167

22-29

$931

$78

30-59

$804

$67

30-59

$1,628

$136

60 +

$783

$65

60 +

$1,601

$133

Average Car Insurance Costs in Florida for Teens

Insurance costs are higher for teens compared to other age groups. A family plan in Florida costs an average of $5,673 annually for a 16-year-old male driver, whereas an individual policy for the same teen costs $10,916 annually.

As teen drivers age, rates tend to drop. A family plan typically costs $4,638 annually for a 19-year-old compared to $3,843 for a 22-year-old. You can find Florida’s cheapest teen car insurance by comparing rates from several providers.

In Florida, rates between genders tend to vary considerably. A family policy costs a 16-year-old female driver an average of $5,234 per year, approximately $439 cheaper than for males.

Age
Annual Family Premium
Monthly Family Premium
Annual Individual Premium
Monthly Individual Premium

16

$5,234

$436

$9,906

$825

16

$5,673

$473

$10,916

$910

17

$5,201

$433

$8,475

$706

17

$5,633

$469

$9,460

$788

18

$4,482

$374

$7,068

$589

18

$4,844

$404

$7,918

$660

19

$4,417

$368

$4,860

$405

19

$4,638

$386

$5,260

$438

20

$4,548

$379

$4,302

$359

20

$4,785

$399

$4,716

$393

21

$3,607

$301

$3,418

$285

21

$3,793

$316

$3,707

$309

22

$3,691

$308

$3,221

$268

22

$3,843

$320

$3,340

$278

23

$3,749

$312

$2,954

$246

23

$3,976

$331

$3,080

$257

24

$3,578

$298

$2,818

$235

24

$3,720

$310

$2,880

$240

25

$3,328

$277

$2,614

$218

25

$3,354

$280

$2,592

$216

Average Car Insurance Costs in Florida for New Cars vs. Older Cars

In Florida, the average yearly insurance cost for a new car is $1,670, 8% more expensive than the average annual rate for an older vehicle ($1,538). Insurance costs may rise due to a new car's increased actual cash value (ACV) and higher repair costs.

Insurers calculate collision and comprehensive claims using your car's ACV. Your older car will cost less to insure because less expensive claims will result in lower payouts from insurance providers. If you drive a newer vehicle, MoneyGeek recommends full coverage insurance since it includes liability for other people's injuries and damages to your car.

Model Year
Annual Premium
Monthly Premium

2022 Vehicle

$715

$60

2022 Vehicle

$727

$61

2012 Vehicle

$738

$62

2012 Vehicle

$749

$62

2022 Vehicle

$817

$68

2012 Vehicle

$852

$71

2012 Vehicle

$1,518

$126

2012 Vehicle

$1,538

$128

2022 Vehicle

$1,633

$136

2022 Vehicle

$1,670

$139

2012 Vehicle

$1,841

$153

2022 Vehicle

$1,988

$166

Average Car Insurance Costs in Florida by Driving Record

Auto insurance costs more for drivers with offenses on their record than people who have spotless driving histories. Drivers in Florida who hold the following records are responsible for these average annual insurance costs:

  • Clean record: $1,628 per year
  • Speeding ticket: $2,083 per year
  • DUI: $2,353 per year
  • At-fault accident: $2,572 per year

Rates frequently rise in direct relation to the severity of the infraction. For example, the typical rate increase for a DUI will be more than for a speeding ticket. By evaluating prices from several providers, you can find Florida’s most affordable car insurance for drivers with a record.

Driving Record
Annual Premium
Monthly Premium

Clean

$783

$65

Clean

$804

$67

Clean

$931

$78

Ticket

$984

$82

Ticket

$990

$83

Ticket

$1,096

$91

DUI

$1,103

$92

DUI

$1,124

$94

At-Fault Accident

$1,204

$100

DUI

$1,243

$104

At-Fault Accident

$1,243

$104

At-Fault Accident

$1,342

$112

Clean

$1,601

$133

Clean

$1,628

$136

Clean

$2,006

$167

Ticket

$2,083

$174

Ticket

$2,101

$175

DUI

$2,353

$196

DUI

$2,396

$200

Ticket

$2,423

$202

At-Fault Accident

$2,572

$214

At-Fault Accident

$2,673

$223

DUI

$2,771

$231

At-Fault Accident

$2,970

$247

Average Car Insurance Costs in Florida by Credit Score

Your credit score significantly influences the price of your car insurance. Florida drivers with poor credit typically pay $2,804 annually, while those with excellent credit pay $1,352. Based on your credit rating, you can anticipate paying the following average rates:

  • Excellent: $1,352 per year
  • Good: $1,632 per year
  • Fair: $1,993 per year
  • Below fair: $2,304 per year
  • Poor: $2,804 per year

Companies may assess rates differently depending on the drivers' credit. Florida drivers with poor credit should shop around and compare quotes to find the most affordable auto insurance.

Credit Score
Average Annual Premium
Average Monthly Premium

Excellent

$650

$54

Excellent

$666

$56

Excellent

$750

$62

Good

$795

$66

Good

$819

$68

Good

$919

$77

Excellent

$961

$80

Fair

$993

$83

Excellent

$1,016

$85

Fair

$1,031

$86

Fair

$1,153

$96

Below Fair

$1,166

$97

Good

$1,168

$97

Excellent

$1,179

$98

Below Fair

$1,219

$102

Good

$1,238

$103

Excellent

$1,320

$110

Excellent

$1,352

$113

Below Fair

$1,357

$113

Poor

$1,392

$116

Fair

$1,427

$119

Good

$1,434

$120

Poor

$1,470

$123

Excellent

$1,496

$125

Fair

$1,518

$126

Excellent

$1,519

$127

Good

$1,590

$132

Excellent

$1,597

$133

Good

$1,632

$136

Poor

$1,639

$137

Below Fair

$1,658

$138

Fair

$1,752

$146

Below Fair

$1,772

$148

Good

$1,798

$150

Excellent

$1,798

$150

Good

$1,828

$152

Good

$1,924

$160

Fair

$1,930

$161

Poor

$1,961

$163

Fair

$1,993

$166

Below Fair

$2,039

$170

Poor

$2,108

$176

Good

$2,160

$180

Fair

$2,178

$182

Below Fair

$2,221

$185

Fair

$2,228

$186

Below Fair

$2,304

$192

Fair

$2,341

$195

Poor

$2,437

$203

Below Fair

$2,501

$208

Below Fair

$2,569

$214

Fair

$2,625

$219

Poor

$2,687

$224

Below Fair

$2,698

$225

Poor

$2,804

$234

Below Fair

$3,017

$251

Poor

$3,048

$254

Poor

$3,152

$263

Poor

$3,297

$275

Poor

$3,713

$309

Average Car Insurance Costs in Florida by City

Your car insurance premiums may differ significantly depending on where you live. For instance, drivers in Gainesville pay the cheapest rates for full coverage insurance at an annual average of $1,367. Those in Hialeah spend a yearly average of $2,579, the most expensive rate in Florida.

Car insurance rates are often higher in areas like Hialeah and Miami due to denser populations and heavier traffic. These factors result in the filing of more insurance claims.

City
Full Coverage Annual Premium
Minimum Coverage Annual Premium

Brandon

$2,644

$1,230

Brandon

$2,154

$1,053

Brandon

$2,102

$1,021

Cape Coral

$1,819

$857

Cape Coral

$1,496

$744

Cape Coral

$1,458

$725

Clearwater

$2,266

$1,046

Clearwater

$1,848

$897

Clearwater

$1,808

$873

Coral Springs

$2,633

$1,233

Coral Springs

$2,141

$1,056

Coral Springs

$2,090

$1,022

Davie

$2,540

$1,161

Davie

$2,071

$996

Davie

$2,018

$968

Fort Lauderdale

$2,600

$1,175

Fort Lauderdale

$2,104

$1,003

Fort Lauderdale

$2,047

$974

Gainesville

$1,656

$760

Gainesville

$1,367

$661

Gainesville

$1,334

$647

Hialeah

$3,098

$1,569

Hialeah

$2,579

$1,378

Hialeah

$2,452

$1,301

Hollywood

$2,708

$1,232

Hollywood

$2,211

$1,058

Hollywood

$2,152

$1,026

Jacksonville

$2,115

$964

Jacksonville

$1,736

$833

Jacksonville

$1,689

$812

Lakeland

$2,001

$927

Lakeland

$1,636

$800

Lakeland

$1,594

$779

Lehigh Acres

$1,942

$924

Lehigh Acres

$1,596

$802

Lehigh Acres

$1,550

$778

Miami

$2,867

$1,361

Miami

$2,368

$1,188

Miami

$2,261

$1,133

Miami Gardens

$2,827

$1,319

Miami Gardens

$2,323

$1,143

Miami Gardens

$2,233

$1,097

Miramar

$2,557

$1,181

Miramar

$2,083

$1,015

Miramar

$2,023

$982

Orlando

$2,149

$1,026

Orlando

$1,767

$889

Orlando

$1,722

$860

Palm Bay

$1,891

$891

Palm Bay

$1,551

$769

Palm Bay

$1,519

$750

Pembroke Pines

$2,500

$1,139

Pembroke Pines

$2,035

$977

Pembroke Pines

$1,981

$949

Pompano Beach

$2,690

$1,240

Pompano Beach

$2,182

$1,060

Pompano Beach

$2,123

$1,026

Port St. Lucie

$2,005

$960

Port St. Lucie

$1,647

$832

Port St. Lucie

$1,608

$807

Spring Hill

$2,139

$993

Spring Hill

$1,751

$857

Spring Hill

$1,708

$833

St. Petersburg

$2,387

$1,096

St. Petersburg

$1,952

$942

St. Petersburg

$1,901

$914

Tallahassee

$1,746

$775

Tallahassee

$1,427

$670

Tallahassee

$1,388

$657

Tampa

$2,844

$1,341

Tampa

$2,318

$1,150

Tampa

$2,265

$1,113

West Palm Beach

$2,856

$1,344

West Palm Beach

$2,327

$1,155

West Palm Beach

$2,272

$1,115

Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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FAQ About Car Insurance Costs in Florida

With insurance rates in Florida depending on so many different factors, it may be challenging to find the best provider for you. We responded to your most frequently asked questions.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.