Updated: August 19, 2025
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Florida has the third-highest average car insurance cost in the U.S., with the average cost of minimum coverage being $1,207 per year, while full coverage averages $2,912.
Factors that cause high auto insurance rates in Florida include extreme weather risks, expensive health care costs and average driver profile.
Based on our analysis, Travelers and State Farm offered the most affordable rates for our sample driver profiles in Florida. Your actual rates may vary based on your specific circumstances, driving record and coverage needs.
Florida’s high insurance costs are driven by busy roads, extra insurance requirements, expensive health care, high-risk drivers, uninsured drivers and severe weather risks.
If you’ve noticed higher premiums recently, you’re not alone. Car insurance rates have risen across the U.S., and Florida is following the same trend. Here are the main reasons car insurance rates are so high in the state.
Research shows that around 79.8 million people visited Florida in 2020. With its ports, beaches and top amusement parks, it’s no surprise Florida ranks as the third-busiest state in the U.S.
More visitors mean busier highways, which raises auto insurance rates statewide. Crowded roads increase accident risk, so insurers charge higher premiums.
Florida is a no-fault insurance state, meaning your own insurance covers certain medical expenses and lost wages after an accident, regardless of who caused the crash. This system centers around personal injury protection (PIP), which pays for 80% of your medical bills up to your policy limits without requiring fault determination first. PIP coverage typically has no deductible, so benefits begin immediately after an accident.
Like most states, car insurance is required in Florida. To drive, you must have a policy that meets the state’s minimum coverage requirements:
While this provides faster access to medical care compared to traditional liability systems, it also means every Florida driver must purchase this additional coverage, contributing to the state's higher insurance costs.
If you're charged with a DUI, multiple at-fault accidents or another serious violation, many states require you to buy an SR-22. These policies typically cost much more than standard coverage. However, in Florida, drivers with a DUI must file an FR-44 instead. This filing requires higher coverage limits of 100/300/50, plus $10,000 in PIP.
The higher rates linked to this filing may contribute to Florida’s expensive car insurance costs. See the table below for the average insurance cost based on driving violations:
| Drivers With A DUI | $135 | $317 |
| Drivers With An Accident | $142 | $345 |
| Drivers With A Speeding Ticket | $118 | $291 |
| Drivers With Bad Credit | $130 | $270 |
Although Florida law requires drivers to carry insurance, about 20% of drivers are uninsured, much higher than the national average of 12.6%. This makes Florida one of the states with the highest rates of uninsured motorists, increasing the risk of accidents with uninsured drivers.
While uninsured motorist (UM) coverage isn't required in Florida, it's highly recommended. UM coverage helps protect you financially if you're in an accident with an uninsured or underinsured driver. It raises your premiums but provides crucial protection against potential expenses from accidents with uninsured motorists.
Extreme weather is a common cause of auto insurance claims, especially for drivers with comprehensive coverage. In Florida, weather hazards like tornadoes and hurricanes can cause severe damage, sometimes resulting in a total loss. When insurers face massive payouts from widespread storm damage, they spread those costs across all policyholders statewide.
This geographic reality creates rate variations across the state. Drivers in hurricane-prone coastal areas and high-traffic metropolitan regions like Miami-Dade face higher premiums than those in inland counties with lower storm surge risk.
Vehicle theft is a key factor in Florida's high car insurance premiums. Insurance companies view areas with higher theft rates as higher risk, which results in higher premiums for drivers in those areas.
The most stolen vehicles in Florida are:
Florida's large young adult and senior populations contribute to higher insurance costs. According to Census data, people aged 18 to 24 and seniors comprise 18% of the state's population, which is 2% higher than the national average.
Age is a key factor in determining car insurance rates. On average, young students and seniors pay more than the typical driver for coverage.
When you're in an accident, insurance providers use premiums paid by consumers to cover your expenses. This includes medical costs for injuries to drivers, passengers, or, in tort states, treatments needed by the other party.
The U.S. spent $4.9 trillion on health care in 2023, per Centers for Medicare & Medicaid Services. While health care costs are high nationwide, Florida residents pay more than average. According to the Commonwealth Fund, Florida is one of five states where residents spend 14% or more of their income on health care, so insurance companies charge higher premiums to cover these medical costs.
Based on MoneyGeek's analysis of major insurers, the average driver in Florida pays about $2,912 per year or $243 per month for full coverage car insurance for our sample driver profile.
Over the past six years, auto insurance rates in Florida have steadily risen. According to our rankings, the state moved from being the 46th most-affordable state for coverage to the 48th. Since 2015, rates have increased by an average of $865.
| Full Coverage | $243 | $2,912 |
| Minimum Coverage | $101 | $1,207 |
Car insurance costs vary significantly across Florida cities, with drivers in major metropolitan areas like Miami and Tampa typically paying higher premiums than those in smaller cities. Take a look at how rates change in Florida based on your city using the table below.
| Miami | 33122 | $123 | $289 |
| Miami | 33125 | $129 | $304 |
| Miami | 33126 | $127 | $300 |
| Miami | 33127 | $129 | $304 |
| Miami | 33128 | $126 | $296 |
| Miami | 33129 | $174 | $402 |
| Miami | 33130 | $125 | $295 |
| Miami | 33131 | $120 | $282 |
| Miami | 33132 | $179 | $414 |
| Miami | 33133 | $120 | $281 |
| Miami | 33135 | $128 | $301 |
| Miami | 33136 | $126 | $296 |
| Miami | 33137 | $124 | $292 |
| Miami | 33138 | $123 | $289 |
| Miami | 33142 | $129 | $304 |
| Miami | 33144 | $126 | $297 |
| Miami | 33145 | $181 | $415 |
| Miami | 33150 | $129 | $302 |
| Miami | 33169 | $178 | $417 |
| Miami | 33185 | $120 | $284 |
| Miami | 33194 | $121 | $285 |
| Miami | 33195 | $124 | $293 |
| Miami | 33198 | $131 | $309 |
| Miami | 33199 | $121 | $284 |
Since affordable car insurance in Florida is rare, it's helpful to know ways to reduce your premium. MoneyGeek outlines several steps you can take to make insurance more affordable.
One of the best ways to find the lowest rates is to compare quotes from at least three providers. While insurers consider similar factors when setting premiums, each calculates rates differently, so provide the same information for each quote to find the company that offers the best rates for your needs.
Insurance companies often offer more than just car insurance. For example, bundling your auto and homeowners insurance with the same provider can result in lower rates than buying separate policies from different insurers.
Every insurance company offers multiple discount programs. Some focus on safety, like discounts for having anti-theft devices or a clean driving record. Others offer discounts if you switch from another provider. However, not all discounts are available in every state or with all insurers, so contact each provider directly to find out which savings you qualify for.
Use a car insurance comparison tool to get multiple quotes fast. These tools let you compare rates side by side without visiting different websites. However, they may not show all options for your policy. Still, they're an efficient way to narrow down your choices and save time when looking for estimates.
Your deductible affects your auto insurance rates. It's the amount you pay out of pocket before your insurer covers your expenses. A higher deductible usually leads to a lower premium, but you'll pay more out of pocket after an accident.
Car insurance policies typically use factors like your age, driving history and location to determine your premium. Pay-per-mile insurance also considers these factors but is mainly usage-based, meaning your rates depend on how many miles you drive. This type of insurance is cost-effective if you don't drive often.
Travelers consistently provides the cheapest car insurance in Florida for different driver profiles. Below, we've highlighted the most affordable car insurance options to help you compare and save money.
| Drivers With Newer Cars | Travelers | $56 | $678 |
| Drivers With Old Cars | State Farm | $67 | $806 |
| Adult Drivers | Travelers | $82 | $983 |
| Drivers With Low Income | Travelers | $82 | $987 |
| Drivers With A Speeding Ticket | Travelers | $104 | $1,247 |
| Drivers With A DUI | State Farm | $108 | $1,298 |
| Drivers With An Accident | Travelers | $109 | $1,310 |
| Senior Drivers | Travelers | $110 | $1,318 |
| Drivers With Bad Credit | Travelers | $127 | $1,525 |
| Young Drivers | Travelers | $181 | $2,168 |
The average annual car insurance cost in Florida is $2,912, making it the third-highest in the country. Several factors contribute to these high rates, including weather risks, traffic density, health care costs, driver profiles and additional insurance requirements. We explored how each factor affects car insurance rates and discussed ways for Florida drivers to find more affordable options.
MoneyGeek answered common questions about Florida car insurance rates to help you understand the different factors causing high premiums in the state:
Car insurance is expensive in Florida because drivers pay an average of $2,912 per year for a full coverage policy. This makes Florida the third-highest premium in the country.
Florida car insurance is expensive due to additional auto insurance requirements, high-risk drivers, expensive health care costs, busy roads and extreme weather.
To find affordable car insurance in Florida, shop around with multiple insurers, take advantage of available discounts and consider increasing your deductible.
Natural disasters impact Florida car insurance rates because hurricanes, flooding and other severe weather events cause frequent and costly claims for insurers. This increased risk is built into Florida premiums, making them higher than in many other states.
Fraud affects car insurance costs in Florida because the state has one of the highest rates of auto insurance fraud in the country, including staged accidents and inflated injury claims. These fraudulent claims raise costs for insurers, which pass the expense to drivers.
Uninsured drivers raise rates in Florida because about 20% of drivers lack coverage. When accidents involve uninsured motorists, insurers often pay more in claims, leading to higher premiums for everyone.
Recent economic factors are raising Florida car insurance rates because rising vehicle repair costs, inflation and tariffs on imported auto parts push premiums higher. These economic pressures affect Florida more than some states due to its already high repair and labor costs.
Traffic conditions make Florida car insurance more expensive because the state's dense population and busy tourist roads mean more accidents and claims. Higher claim frequency is a key reason insurers charge more in the state.
Sample Driver Profile
We used a sample driver profile to determine average car insurance rates in Florida:
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by Florida:
Learn more about MoneyGeek's car insurance methodology.
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.
