Updated: March 27, 2026
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Travelers offers the cheapest full coverage car insurance in Florida at $112 per month ($1,349 per year) for an adult male with a clean record and good credit, 50% below the Florida state average of $226 per month.
Florida full coverage policies cost an average of $226 per month ($2,718 per year) for an adult driver with a $1,000 deductible.
Provider selection matters more in Florida than nearly any other state. The gap between the cheapest and most expensive provider for the same driver reaches $3,213 per year, and the same pattern holds across every violation and age tier on this page.
Travelers offers the cheapest full coverage car insurance in Florida at $112 per month ($1,349 per year) for a 40-year-old male driver with a clean record and good credit.
Florida drivers who skip comparison shopping can pay unnecessarily high rates, as its one of the most expensive states in the country.
Its no-fault personal injury protection (PIP) requirement and high uninsured motorist rate push statewide averages above most other states.
Provider | Monthly Premium | Annual Premium |
|---|---|---|
$112 | $1,349 | |
$136 | $1,629 | |
$161 | $1,926 | |
$163 | $1,951 | |
$168 | $2,019 | |
$198 | $2,372 | |
$203 | $2,440 | |
$289 | $3,464 | |
$328 | $3,933 | |
$354 | $4,252 | |
$380 | $4,562 |
Compare at least three quotes and use the cheapest qualifying provider as your baseline. For more options, see cheapest car insurance in Florida and best car insurance in Florida.
Age is a major factor for car insurance rates in Florida and in other states. Young drivers pay $6,378 per year on average for a full coverage policy, adult drivers pay $2,718 per year, and senior drivers pay $3,523 per year.
For more context, see car insurance rates by age.
Travelers offers the cheapest full coverage for young drivers in Florida at $252 per month ($3,022 per year). Progressive ranks last at $1,169 per month ($14,026 per year), the most expensive young-driver rate
UAIC ranks second at $294 per month, followed by State Farm at $297 per month.
For additional options, see cheap car insurance for teen drivers.
Provider | Monthly Premium | Annual Premium |
|---|---|---|
$252 | $3,022 | |
$294 | $3,532 | |
$297 | $3,562 | |
$328 | $3,939 | |
$370 | $4,439 | |
$429 | $5,143 | |
$574 | $6,883 | |
$601 | $7,215 | |
$749 | $8,987 | |
$784 | $9,412 | |
$1,169 | $14,026 |
Travelers offers the cheapest full coverage for senior drivers in Florida at $151 per month ($1,810 per year). The senior average of $3,523 per year is above the adult average of $2,718 per year, an $805 gap that reflects how seniors tend to be charged slightly more than middle-aged drivers.
Provider | Monthly Premium | Annual Premium |
|---|---|---|
$151 | $1,810 | |
$163 | $1,957 | |
$165 | $1,980 | |
$202 | $2,419 | |
$232 | $2,787 | |
$238 | $2,860 | |
$286 | $3,426 | |
$385 | $4,616 | |
$402 | $4,821 | |
$481 | $5,767 | |
$526 | $6,309 |
Florida adds $617 per year on average for a speeding ticket, $1,150 per year for an at-fault accident, and $905 per year for a DUI. Travelers is the cheapest option for those with a ticket or accident, while State Farm is the cheapest for those with a DUI.
Florida requires SR-22 filing after a DUI conviction. For more context, see high-risk car insurance in Florida.
Travelers offers the cheapest full coverage in Florida with a speeding ticket at $143 per month ($1,720 per year). State Farm ranks second at $145 per month ($1,741 per year). The average speeding ticket surcharge is $617 per year, moderate compared to at-fault accident and DUI penalties.
Provider | Monthly Premium | Annual Premium |
|---|---|---|
$143 | $1,720 | |
$145 | $1,741 | |
$161 | $1,926 | |
$163 | $1,951 | |
$190 | $2,276 | |
$261 | $3,132 | |
$350 | $4,203 | |
$380 | $4,562 | |
$392 | $4,699 | |
$406 | $4,867 | |
$467 | $5,604 |
Travelers offers the cheapest full coverage in Florida after an at-fault accident at $150 per month ($1,800 per year). Florida's at-fault surcharge averages $1,150 per year, higher than the DUI surcharge of $905 per year, which is the reverse of most states.
The table below shows monthly and annual premiums for adult male drivers with good credit and one at-fault accident. For more on how violations affect rates, see how much rates go up after an accident.
Provider | Monthly Premium | Annual Premium |
|---|---|---|
$150 | $1,800 | |
$155 | $1,863 | |
$205 | $2,463 | |
$221 | $2,654 | |
$229 | $2,742 | |
$290 | $3,486 | |
$320 | $3,837 | |
$447 | $5,366 | |
$455 | $5,461 | |
$535 | $6,420 | |
$538 | $6,460 |
State Farm offers the cheapest full coverage in Florida after a DUI at $145 per month ($1,741 per year), overtaking Travelers, which leads in affordability for many driver types. Travelers ranks second at $166 per month ($1,996 per year).
The table below shows monthly and annual premiums for adult male drivers with good credit and one DUI conviction. For more, see Florida DUI car insurance and SR-22 car insurance in Florida.
Provider | Monthly Premium | Annual Premium |
|---|---|---|
$145 | $1,741 | |
$166 | $1,996 | |
$242 | $2,905 | |
$274 | $3,293 | |
$277 | $3,326 | |
$339 | $4,072 | |
$343 | $4,119 | |
$351 | $4,208 | |
$359 | $4,310 | |
$394 | $4,728 | |
$429 | $5,152 |
Poor credit adds only $407 per year on average in Florida, less than many states, and UAIC is the cheapest option at $148 per month ($1,770 per year).
Travelers ranks second at $164 per month, followed by Nationwide at $179 per month. The table below shows monthly and annual premiums for adult male drivers with poor credit and no violations. For more on how credit affects rates, see car insurance with bad credit.
Provider | Monthly Premium | Annual Premium |
|---|---|---|
$148 | $1,770 | |
$164 | $1,971 | |
$179 | $2,146 | |
$200 | $2,397 | |
$214 | $2,563 | |
$230 | $2,757 | |
$253 | $3,040 | |
$285 | $3,425 | |
$331 | $3,967 | |
$384 | $4,605 | |
$477 | $5,728 |
Florida's credit surcharge ($407 per year on average) is one of the smallest of any state in MoneyGeek's data. But individual provider reactions vary dramatically. If your credit score changes dramatically, always get quotes from insurers to see how your rates might have changed.
The priciness of car insurance in Florida makes a strong argument for drivers to comparison shop multiple times per year. The steps below show how to find the cheapest full coverage car insurance in Florida.
No other state in this series has a $3,213 per year gap between the cheapest and most expensive provider for the same clean-record adult driver. Travelers at $1,349 per year and Allstate at $4,562 per year are quoting the same coverage on the same driver. Get at least three quotes. For more options, see cheapest full coverage car insurance.
Florida's at-fault accident surcharge ($1,150 per year average) exceeds its DUI surcharge ($905 per year), the reverse of most states. Both violations add up quickly when Florida's baseline already averages $2,718 per year. Keeping a clean record matters more here than in lower-cost states. For more context, see why car insurance rates go up.
Against Florida's $2,718 per year average, a typical 12% deductible-related reduction saves about $326 per year. That's meaningful, but Florida's high claim frequency, including storm damage, PIP fraud and dense accident-prone roads, means a higher deductible also means higher out-of-pocket costs at claim time. Weigh the tradeoff carefully. For more guidance, see how to choose a car insurance deductible.
Switching from Allstate to Travelers saves $3,213 per year, and no discount program can close that gap. Once you've confirmed the cheapest qualifying provider, layer in low-mileage, bundling and pay-in-full discounts on top. For more strategies, see car insurance discounts.
Florida's high premiums make the full-coverage-versus-liability decision more financially consequential than in most states. Lenders require full coverage on financed vehicles. For paid-off vehicles, compare the annual premium against the car's cash value before maintaining comprehensive and collision coverage. For more context, see how much car insurance you need and low income car insurance in Florida.
Travelers offers the cheapest full coverage in Florida at $112 per month ($1,349 per year) for an adult male with a clean record and good credit, 50% below the state average of $226 per month. Allstate is the most expensive at $380 per month ($4,562 per year) for the same driver. Florida has the widest provider spread of any state in this series, making comparison especially valuable here.
Florida's combination of a no-fault PIP requirement, high uninsured motorist rates, severe weather exposure and dense traffic pushes rates to an average of $226 per month, among the highest in the country. The spread between providers is also unusually wide, which means selecting the right insurer makes a bigger difference in Florida than in most states.
Yes, but the impact is smaller in Florida than in most states. Poor credit adds only $407 per year on average, far less than the $1,000-plus surcharges common elsewhere. That said, individual providers vary widely: State Farm goes from $1,629 per year with good credit to $5,728 per year with poor credit, so re-quoting the full provider table when your credit changes still matters.
MoneyGeek's full coverage car insurance rates are based on data from Quadrant Information Services. Rates reflect ZIP-code-level averages for a 40-year-old male driver with good credit and a clean driving record. Full coverage includes 100/300/100 liability limits with comprehensive and collision coverage at a $1,000 deductible. USAA is excluded from all comparisons. Data date: November 20, 2025.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
