Here are essential tips to help you shop for car insurance in the Sunshine State with confidence. Understand the minimum coverage needed and explore options to find plans that suit your budget. Use these insights to make informed decisions and secure the best insurance for your needs.
Car Insurance Calculator Florida
Updated: April 23, 2025
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$155
High
$114
Average
$64
Low
Rates updated:
Apr 23, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
MoneyGeek Score
92
/of 100
Average Monthly Payment$64/mo
2
GEICO
MoneyGeek Score
74
/of 100
Average Monthly Payment$94/mo
3
Nationwide
MoneyGeek Score
88
/of 100
Average Monthly Payment$104/mo
MoneyGeek Score
67
/of 100
Average Monthly Payment$127/mo
5
Foremost
MoneyGeek Score
70
/of 100
Average Monthly Payment$138/mo
MoneyGeek Score
71
/of 100
Average Monthly Payment$155/mo
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Key Takeaways
Insurers in Florida will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Florida can range anywhere from $1,018 to $3,249 per year depending on a variety of factors.
To get the best deal on Florida car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Florida Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Determine your coverage needs prior to shopping to avoid unnecessary high coverage. Consider your living area, driving habits, vehicle and financial situation. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Research average car insurance costs in Florida based on your coverage level and driver profile to understand potential savings. Also, look for discounts you might qualify for to discuss further savings with agents.
Research the Cheapest Providers for You
With your coverage level and cost research ready, start obtaining estimates from providers. This helps identify where to begin comparing quotes and who might offer the cheapest car insurance in Florida for you. Use our calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing multiple providers can lead to significant savings in Florida. Savings could be up to 54% on full coverage and 57% on minimum coverage. Use various methods like comparison sites, independent brokers, insurer websites and direct agencies as prices differ.
Take Advantage of Florida-Specific Programs
If you're a high-risk driver, Florida provides driver programs that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for less frequent drivers. Telematics insurance also rewards good driving with discounts up to 40%. Automakers' insurance programs may offer savings and more benefits compared to traditional options.
What Affects Your Florida Car Insurance Estimates?
Your car insurance premium in Florida is calculated based on four core areas: vehicle details, driver profile, location and the provider you choose. Explore the links below to understand how each factor affects rates for Floridian drivers:
How Much Does Provider Chosen Affect Florida Car Insurance Estimates?
The provider you choose is the most influential factor affecting the car insurance estimates and quotes in the Sunshine State. Depending on the provider, your rates can drop 39% or increase by as much as 47% compared to the average for Florida drivers.
| Lowest | Travelers | $113 | $1,355 |
| Highest | Direct General Insurance | $271 | $3,249 |
How Much Does Age Affect Florida Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for Florida drivers. Depending on your age, your rates can go up as much as 123% or decrease by as much as 59% compared to state averages. No matter which state you're in, car insurance will typically be highest when you are 16, and decrease from there until you are 65.
| Lowest | 65 | $181 | $2,171 |
| Highest | 16 | $746 | $8,954 |
How Much Does Credit Affect Florida Car Insurance Estimates?
We found that compared to other factors, credit scores are the third most impactful when insurance companies are determining rates. Depending on your credit, we found that in the Sunshine State, rates can vary from $152 to $309 monthly for full coverage, but as your credit score goes up, your rates will go down.
| Lowest | Excellent | $152 | $1,821 |
| Highest | Poor | $309 | $3,708 |
How Much Does Coverage Affect Florida Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates, with annual rates varying from $1,018 for minimum coverage to $2,554 for full coverage. The higher your coverage is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive your rates will be.
| Lowest | State Minimum Liability Only | $85 | $1,018 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $213 | $2,554 |
How Much Does Driving Record Affect Florida Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Florida with rates changing up to 19%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $184 | $2,211 |
| Highest | Accident | $293 | $3,512 |
How Much Does Location Affect Florida Car Insurance Estimates?
In the Sunshine State, location ranks as the sixth most influential factor for auto insurance rates in the cities we studied. Typically, higher population density and risk of bad weather mean more expensive insurance. Gainesville offers the lowest rates, while Hialeah tops the chart.
| Lowest | Gainesville | $161 | $1,934 |
| Highest | Hialeah | $302 | $3,619 |
Florida Car Insurance Calculator: Bottom Line
We recommend you look into costs, coverage and insurance firms before using our car insurance calculator for estimates. Then, gather many quotes. Compare these with our estimates, checking every detail, to find the most affordable plan that fits.
Florida Car Insurance Estimate: FAQ
Below you will find answers to common questions about Florida car insurance costs and estimates.
What is used to determine Florida car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Florida car insurance on average?
Depending on your unique profile and coverage chosen, car insurance in Florida can range anywhere from $40 per month to up to $400 monthly on average.
How do I get the best car insurance in Florida?
To find the best car insurance in Florida, assess your coverage needs, compare quotes from multiple insurers and leverage online tools to evaluate your options.
Our Florida Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
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.