In Florida, full coverage car insurance averages $2,206 yearly, while minimum coverage is about $1,013. These rates are $910 and $418 more expensive, respectively, than the national average.
Average Cost of Car Insurance in Florida
Updated: January 12, 2025
Advertising & Editorial Disclosure
Key Takeaways
Drivers in the Sunshine State pay about 70% more for full coverage car insurance than the national average.
Minimum coverage also costs roughly 70% more compared to the national average.
On average, car insurance in Florida costs $2,206 for full coverage and $1,013 for minimum coverage, making it one of the most expensive states for drivers.
How Much Is Car Insurance in Florida?
| Full Coverage | $2,206 | $1,296 | 70% |
| State Minimum Liability Only | $1,013 | $595 | 70% |
Read More: Average Cost of Car Insurance
Florida Car Insurance Rates by Coverage Level
Your choice of coverage level changes your car insurance rate in the Sunshine State. If you pick higher liability limits or full coverage, your rate goes up, but a bigger deductible could make your premium cheaper. Here's what Florida residents pay on average for minimum coverage and full coverage with different deductibles and limits.
| 300/500/300 | Full Coverage | $2,551 | $500 |
| 300/500/300 | Full Coverage | $2,463 | $1,000 |
| 300/500/300 | Full Coverage | $2,446 | $1,500 |
| 100/300/100 | Full Coverage | $2,294 | $0 |
| 100/300/100 | Full Coverage | $2,206 | $1,000 |
| 100/300/100 | Full Coverage | $2,189 | $1,500 |
| 300/500/300 | Liability Only | $1,909 | $0 |
| State Minimum | Full Coverage | $1,661 | $500 |
| 100/300/100 | Liability Only | $1,646 | $0 |
| State Minimum | Full Coverage | $1,573 | $1,000 |
| State Minimum | Full Coverage | $1,556 | $1,500 |
| State Minimum | Liability Only | $1,013 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Florida Car Insurance Cost by City
Car insurance rates in Florida can change due to crime, traffic, weather,and the costs of health care and car repairs. For example, annual full coverage in Hialeah is $2,579, while Miami is at $2,368, and Gainesville offers more affordable options at $1,367. Check the table below to see how these rates stack up against the state average.
| Brandon | $2,154 | 13% | $1,053 | -4% |
| Cape Coral | $1,496 | -22% | $744 | -32% |
| Clearwater | $1,848 | -3% | $897 | -18% |
| Coral Springs | $2,141 | 12% | $1,056 | -4% |
| Davie | $2,071 | 9% | $996 | -9% |
| Fort Lauderdale | $2,104 | 10% | $1,003 | -8% |
| Gainesville | $1,367 | -28% | $661 | -40% |
| Hialeah | $2,579 | 35% | $1,378 | 26% |
| Hollywood | $2,211 | 16% | $1,058 | -3% |
| Jacksonville | $1,736 | -9% | $833 | -24% |
| Lakeland | $1,636 | -14% | $800 | -27% |
| Lehigh Acres | $1,596 | -16% | $802 | -27% |
| Miami | $2,368 | 24% | $1,188 | 8% |
| Miami Gardens | $2,323 | 22% | $1,143 | 4% |
| Miramar | $2,083 | 9% | $1,015 | -7% |
| Orlando | $1,767 | -7% | $889 | -19% |
| Palm Bay | $1,551 | -19% | $769 | -30% |
| Pembroke Pines | $2,035 | 7% | $977 | -11% |
| Pompano Beach | $2,182 | 14% | $1,060 | -3% |
| Port St. Lucie | $1,647 | -14% | $832 | -24% |
| Spring Hill | $1,751 | -8% | $857 | -22% |
| St. Petersburg | $1,952 | 2% | $942 | -14% |
| Tallahassee | $1,427 | -25% | $670 | -39% |
| Tampa | $2,318 | 22% | $1,150 | 5% |
| West Palm Beach | $2,327 | 22% | $1,155 | 5% |
Average Florida Car Insurance Cost by Age
Age affects Florida car insurance rates, as younger drivers tend to pay the most. On average, 25-year-olds pay over 8% more for minimum liability and 24% more for full coverage than 40-year-olds and over 16% and 20% more, respectively, than 65-year-olds.
| 25 | $2,748 | $1,179 |
| 40 | $2,206 | $1,013 |
| 65 | $2,165 | $985 |
In most places, age can change the cost of car insurance. But in California, Massachusetts and Hawaii, your age doesn't affect the price of minimum coverage.
Car Insurance Costs in Florida for Young Drivers by Gender
In Florida, young drivers face higher car insurance costs due to a greater risk of accidents. Drivers aged 18 to 25 pay an average of $2,889 per year when added to a family policy, which is 22% cheaper than an individual policy at $3,517.
Gender also influences car insurance rates for Florida's young drivers. Females aged 18 to 25 typically pay $3,391 annually, saving them money compared to the $3,644 average for males. Below, you'll find the average costs for both individual and family policies, detailed by gender.
Car Insurance Costs in Florida for Young Females
In Florida, adding an 18-year-old female to a family car insurance policy averages $3,122. Choosing an individual policy instead can nearly double the cost, jumping to $6,091.
| 18 | $6,091 | $3,122 | -49% |
| 19 | $4,226 | $3,479 | -18% |
| 20 | $3,746 | $3,110 | -17% |
| 21 | $2,970 | $2,463 | -17% |
| 22 | $2,802 | $2,866 | 2% |
| 23 | $2,572 | $2,628 | 2% |
| 24 | $2,453 | $2,511 | 2% |
| 25 | $2,266 | $2,329 | 3% |
Car Insurance Costs in Florida for Young Males
18-year-old males in Florida pay around $6,835 for individual full coverage car insurance. By joining a family policy, they can save about 51% annually.
| 18 | $6,835 | $3,362 | -51% |
| 19 | $4,577 | $3,655 | -20% |
| 20 | $4,115 | $3,289 | -20% |
| 21 | $3,234 | $2,601 | -20% |
| 22 | $2,918 | $3,034 | 4% |
| 23 | $2,696 | $2,804 | 4% |
| 24 | $2,521 | $2,624 | 4% |
| 25 | $2,257 | $2,356 | 4% |
Average Florida Car Insurance Cost by Driving Record
In Florida, traffic offenses can hike your car insurance by 50% to 84% more than the Sunshine State's yearly average. We detail how much average rates for at-fault accidents, speeding tickets and DUIs compare to those for drivers with a spotless record.
| At-Fault Accident | $3,502 | 84% | $1,531 | 40% |
| DUI | $3,200 | 68% | $1,407 | 28% |
| Ticket | $2,868 | 50% | $1,251 | 14% |
Read More: High-Risk Car Insurance in Florida
Average Florida Car Insurance Cost by Credit Score
Your credit-based insurance score plays a big part in how much you pay for car insurance in Florida. Drivers with excellent credit might pay an average of $1,474 a year for full coverage, while those with poor credit could be looking at about $3,000.
| Excellent | $1,474 | -23% | $639 | -42% |
| Good | $1,781 | -7% | $784 | -28% |
| Fair | $2,154 | 13% | $979 | -11% |
| Below Fair | $2,485 | 30% | $1,153 | 5% |
| Poor | $3,000 | 57% | $1,382 | 26% |
CREDIT SCORES AND YOUR PREMIUM
A credit score from 670 to 739 indicates financial reliability, potentially lowering insurance rates for Florida drivers. However, insurers in Hawaii, Massachusetts, Maryland, California and Michigan cannot use credit-based scores for pricing. In states like North Carolina, Oregon, Washington, Utah and Nevada, credit scores are considered only under certain conditions.
Average Florida Car Insurance Cost by Company
Car insurance costs can vary greatly between companies in the Sunshine State. For full coverage, Travelers offers the most affordable plan, at an average of $1,355 per year. On the high end, Direct General Insurance's average is $3,249, which is 61% more than what most pay in Florida.
| Travelers | $1,355 | $657 |
| State Farm | $1,381 | $694 |
| Nationwide | $1,885 | $955 |
| GEICO | $1,945 | $687 |
| Allstate | $2,155 | $1,003 |
| Mercury | $2,350 | $926 |
| Progressive | $2,747 | $1,257 |
| Farmers | $2,785 | $1,381 |
| Direct General Insurance | $3,249 | $1,555 |
Read More: Cheapest Car Insurance Companies in Florida
Average Florida Car Insurance Cost by Vehicle Age
In Florida, newer cars have higher insurance premiums, averaging $1,670 annually for full coverage, due to their value and theft risk. This compares to $1,538 for a 10-year-old model.
| 10-Year-Old Vehicle | $1,538 | $749 |
| New Model Vehicle | $1,670 | $727 |
ACTUAL CASH VALUE
The actual cash value (ACV) represents your vehicle's worth just before an incident. In cases of comprehensive or collision claims, insurers use the ACV to determine the maximum repair or replacement payout, after deducting any applicable deductible. This approach ensures the claim aligns with the car's fair market value.
Read More: Used Car Insurance
Florida Car Insurance Rates Explained
In Florida, car insurance rates may be higher or lower than the national average. Factors like your driving history, age and the type of car you drive impact the price of state minimum and full coverage plans. Understanding your credit-based insurance scores can also help you see how your rates are determined.
Is Car Insurance Expensive in Florida?
Car insurance in Florida is expensive, with the average full coverage monthly cost at $184. Floridians pay about 70% more compared to the national average for full coverage.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in Florida vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Florida Average Cost
Full Coverage Car Insurance
$184FL Car Insurance Is Expensive:$76 more
This is 70% more expensive.
Why Are Car Insurance Rates Expensive in Florida?
Florida's car insurance rates are high due to dense populations, severe weather like tropical cyclones and strict insurance laws. These factors lead to more claims and higher costs for residents seeking minimum coverage.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Florida
While average rates offer a snapshot, your Florida car insurance cost depends on personal factors. To estimate your expense, consider your driving record, car type and coverage needs. Understand that these elements tailor your insurance price uniquely.
Driving Record
A spotless driving record can significantly reduce your insurance premiums. Avoid traffic violations and accidents to demonstrate to insurers that you are a low-risk driver.
Age and Gender
Younger drivers typically face higher rates due to inexperience, while gender can also influence costs. Males under 25 may pay more, but rates can decrease with age.
Credit History
Insurers often use credit scores to gauge risk. Work on improving your credit by paying bills on time and reducing debt to potentially lower your insurance rates.
Vehicle Type
The type of vehicle you drive affects your insurance rates. Opt for a car with good safety ratings, low theft rates and modest repair costs for more affordable premiums.
Location
Living in areas with high traffic or crime rates can increase insurance costs. Consider the location's risk level when searching for affordable car insurance in Florida.
Coverage Level
Higher coverage levels mean higher premiums. Balance your need for protection with the cost, choosing enough coverage to be secure but not so much that it breaks the bank.
Marital Status
Married couples often receive lower insurance rates due to perceived stability. Inform your insurer about your marital status to see if you qualify for a discount.
State Law
Florida has specific insurance requirements. Familiarize yourself with these to ensure you're getting only the necessary coverage, which can help keep costs down.
Read More: Florida Car Insurance Calculator
Minimum Car Insurance in Florida
Florida's average annual rate for state minimum coverage is $1,013, which is much higher than the national average of $595. This coverage is more affordable than full coverage options but still above average in cost. Below is a table detailing Florida's minimum requirements for car insurance.
Florida Car Insurance Requirements
In Florida, drivers must have minimum coverage car insurance. This includes $10,000 for property damage liability and $10,000 for personal injury protection.
Liability Limits | Description |
|---|---|
$10,000 for property damage liability per accident | Cost of damages you cause to another person's property |
$10,000 personal injury protection (PIP) per person | Medical expenses regardless of fault in an accident |
How to Lower Car Insurance Costs in Florida
Save on Sunshine State car insurance by comparing rates, choosing higher deductibles and taking advantage of all car insurance discounts.
- 1
Compare Multiple Quotes
Researching multiple insurance providers can help you find affordable car insurance in your state, potentially saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
A better credit score or clean driving record without at-fault accidents or moving violations can significantly lower insurance premiums because insurers view you as a lower risk.
- 3
Adjust Your Coverage
Reviewing coverage needs can help ensure you're paying only for what you need. Drivers could lower costs with increased deductibles, or use usage-based policies if they drive fewer miles.
- 4
Ask for Discounts
Inquire about discounts for safe driving, good grades, anti-theft devices, completing a defensive driving course and bundling policies, as these can lead to drastically lower premiums.
- 5
Consider the Car You Drive
Driving a car that's less expensive to insure, such as one with good safety ratings, can lead to lower insurance costs in your area.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in Florida: Bottom Line
In Florida, full coverage car insurance averages $2,206 yearly, 70% higher than the national average. Rates are shaped by your driving history, car type and more. Compared to other states, it's pricier, making it less affordable for many drivers.
Florida Car Insurance Rates: FAQ
Get answers about what impacts the average cost of car insurance in Florida and how to find affordable rates.
What are the minimum car insurance requirements in Florida?
The minimum car insurance requirements in Florida include $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Motorists in Florida are not mandated to carry bodily injury liability (BIL). It is important for drivers to consider that these are just the legal requirements minimums and additional coverage may be beneficial for better protection.
What is the average cost of full coverage and minimum coverage auto insurance in Florida?
The average cost for state minimum auto insurance in Florida is $1,013, while full coverage averages around $2,206 annually. These rates are significantly higher than the national averages of $595 and $1,296 respectively.
What is the average cost of car insurance for a 25-year-old in Florida?
The average cost for full coverage car insurance for a 25-year-old in Florida is $2,748, while state minimum coverage averages around $1,179. This demonstrates how rates can differ significantly based on coverage extent.
What are the cheapest car insurance companies in Florida?
Travelers offers the most affordable car insurance in Florida. Full coverage costs an annual rate of $1,355 and monthly payments are around $113. The minimum coverage policy averages $657 yearly, with monthly costs of approximately $55.
Florida Auto Insurance Cost: How We Determine Average Rates
We used a sample driver profile to determine average car insurance rates in Florida:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
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):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by Florida:
- $10,000 for property damage liability per accident.
- $10,000 personal injury protection (PIP) per person
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.