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No. 5 Most Expensive: Florida

Florida car insurance rates

Average rate: $1,840

Average rate for the top-selling vehicle in the country first quarter of 2017 F-150 XL: $1,665

Average rate for the top-selling SUV in the country first quarter of 2017 Nisan Rogue S: $1,790

Average rate for the top-selling sedan in the country first quarter of 2017 Toyota Camry LE: $1,947

The Sunshine state may allow drivers to have fun in the sun, but it also comes with an expensive price tag for car insurance. 

Florida is a no-fault state, meaning motorists must carry personal injury protection (PIP) to cover injuries sustained in an auto accident. Unfortunately, Florida has been fighting PIP fraud for many years with questionable claims for medical expenses hiking up rates. The Florida Division of Insurance Fraud estimates auto insurance fraud costs drivers upwards of $250 a year.

Florida also comes in second for highest percentage of uninsured drivers in the nation, at 23.8 percent, according to the Insurance Research Council (IRC). More uninsured drivers mean that people that do buy policies have to pay more since there are not as many drivers to spread around the risk for the car insurance companies.

Florida’s annual average premium of $1,840 is 40 percent over the national average.

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