Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Florida Average car insurance cost in Florida A full-coverage car insurance policy in Florida costs an average of $3,852 a year or $321 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMay 20, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed A full coverage car insurance policy costs around $3,852 a year or $321 per month for Florida drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $1,208 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. Average annual cost $3,852 Average per month cost $321 Average cost for state minimum coverage $2,220 / Year Cheapest car insurance company Travelers$2,520 / Year Average cost for young drivers $5,953 / Year Average cost for Senior drivers $3,813 / Year 012345 1 of 6 Average car insurance cost in Florida If you live in Florida can expect to pay an average of $321 per month for full coverage car insurance – that’s $3,852 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $101 monthly or $1,208 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in FloridaIf you’re looking for affordable insurance, Travelers tops the list of the cheapest car insurance companies. Its average annual cost is $2,520 per year or $210 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.UAIC also provides affordable insurance rates in Florida for a full coverage policy at an average annual insurance cost of $2,612 or $218 monthly.While these companies offer some of the lowest average premiums in Florida, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in Florida Graph Table Company nameAverage per month costAverage annual costTravelers$210$2,520UAIC$218$2,612State Farm$223$2,681GEICO$239$2,865Nationwide$278$3,335Mercury Insurance$345$4,144Allstate$378$4,531Farmers$398$4,777National General$413$4,961Progressive$552$6,622Powered by: Powered by: Florida car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Florida Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Florida Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$1,076/year Liability coverage$2,361/year Full Coverage$3,842/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in FloridaYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $101 per month or $1,208 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Florida, drivers typically pay $321 per month or $3,852 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.Coverage limitsAverage annual costState minimum liability-only$1,208Liability only$2,220Full coverage$3,852Non-owner state minimum liability$925Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Florida by citySee rates in your cityJacksonvilleMiamiOrlandoTampa Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Florida by cityCar insurance rates can vary widely depending on where you live, even within Florida.Cities like Tampa, Miami, or Hialeah tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Cape Coral or Tallahassee, with average annual premiums between $3,268 and $3,308.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.CityAverage annual costCape Coral$3,268Tallahassee$3,308Port St. Lucie$3,742Jacksonville$3,909Orlando$4,030St. Petersburg$4,340Fort Lauderdale$4,793Hialeah$4,828Miami$4,901Tampa$5,142Powered by:Average car insurance cost in Florida by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Florida for a full coverage policy based on your age and gender.Average car insurance cost in Florida for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Florida pay an average of $8,245 per year for car insurance, while females of the same age pay $7,355.But by the time you turn 25, insurance premiums drop to $4,491 a year on average for male drivers and $4,450 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$8,245$7,35521$6,413$5,93622$5,683$5,37623$5,394$5,07624$5,121$4,876Powered by:Average car insurance cost in Florida for adult driversOn average, an adult male driver in Florida pays $3,817 a year for full coverage or $318 per month. Women pay $3,870 a year or $323 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$4,491$4,45030$4,044$4,08135$3,958$4,03940$3,809$3,89645$3,756$3,86150$3,594$3,68355$3,483$3,51860$3,412$3,458Powered by:Average car insurance cost in Florida for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $3,476 per year, while women pay $3,536. But by age 70, average premiums rise to $3,779 for men and $3,724 annually for women. At 75, rates increase even further – $4,257 for male drivers and $4,105 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$3,476$3,53670$3,779$3,72475$4,257$4,105Powered by:Minimum car insurance requirements in FloridaWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in Florida can help you avoid fines and make smarter choices about your coverage.Drivers in Florida must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $10,000Bodily injury per accident: $20,000Property damage liability: $10,000Cheapest cars to insure in FloridaInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Chrysler Voyager has the lowest premium, at an average of $2,384 a year, closely followed by Subaru Forester, with an average annual car insurance cost of $2,437.The table below shows the cheapest cars to insure and their average annual rates.Make ModelAverage annual premiumChrysler Voyager$2,384Subaru Forester$2,437Mini Cooper Countryman JCW$2,463Mazda MX-5 Miata$2,472Volkswagen Tiguan$2,520Subaru Outback$2,527Honda HR-V$2,552Ford Ranger$2,554Subaru Crosstrek$2,555Honda CR-V$2,566Powered by:Most expensive cars to insure in FloridaMercedes-AMG EQS stands out as the most expensive car to insure in Florida, with an average annual cost of $7,109.The table below shows the most expensive vehicles to insure in Florida along with their average annual insurance costs.Make ModelAverage annual premiumMercedes-AMG EQS$7,109Jaguar F-Pace SVR$5,863Maserati Quattroporte$5,713Jaguar F-Type$5,493Audi e-tron GT$5,395BMW M8 Gran Coupe$5,174Maserati Ghibli$5,156Nissan GT-R$5,117Chevrolet Corvette E-Ray$5,107BMW i7$5,041Powered by:Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in FloridaCheapest car insurance companies in FloridaAverage cost of car insurance by coverage levels in FloridaAverage car insurance cost in Florida by cityAverage car insurance cost in Florida by ageMinimum car insurance requirements in FloridaCheapest cars to insure in FloridaMost expensive cars to insure in FloridaMethodology ZIP Code Please enter valid ZIP See rates 1-833-708-5453