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 onApril 9, 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 If you’re in Florida, your monthly cost for full coverage car insurance is $321, which adds up to $3,852 per year. For minimum coverage, expect to pay an average of $101 monthly, or $1,208 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. 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 FloridaIf 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 FloridaTravelers has the cheapest rates, at an average annual cost of $2,520 or $210 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.UAIC also stands out for its affordable premiums, with an average cost of $218 per month or $2,612 annually.While these insurance companies have some of the lowest average rates in Florida, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. 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. Vehicle year Vehicle year2024202320222021202020192018201720162015 State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Vehicle make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFiatFordGenesisGMCHondaHyundaiIneosInfinitiJaguarJeepKiaLand RoverLexusLincolnLucidMaseratiMazdaMercedes-AMGMercedes-BenzMercedes-MaybachMiniMitsubishiNissanPolestarPorscheRamRivianSubaruTeslaToyotaVinFastVolkswagenVolvo Vehicle model Select Model Vehicle already present. 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 cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $101 a month, or about $1,208 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Florida pay around $321 per month, or roughly $3,852 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.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 ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Florida, based on age and gender.Average car insurance cost in Florida for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Florida pays an average of $8,245 annually for car insurance, compared to $7,355 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $4,491 per year for male drivers and $4,450 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.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 driversAn adult driver aged 25-60 in Florida pays $3,817 annually for full coverage, or around $318 each month. Women in the same age group pay $3,870 per year or $323 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.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 driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $3,476 annually, while women pay $3,536.By 70, average rates go up to $3,779 for men and $3,724 for women. At age 75, costs increase further, reaching $4,257 for men and $4,105 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping 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 your first insurance policy or just moved to Florida, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Florida must carry at least the following minimum liability coverage:Bodily injury per person: $10,000Bodily injury per accident: $20,000Property damage liability: $10,000Cheapest cars to insure in FloridaThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Chrysler Voyager is one of the cheapest cars to insure in Florida, with an average premium of $2,384 per year. Subaru Forester has an average annual cost of $2,437.The table below shows the cars with the lowest average insurance 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 is one of the most expensive vehicles to insure in Florida, with an average annual cost of $7,109.Below is a list of the costliest vehicles to insure in Florida and their average premiums.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:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.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. You might find interesting Explore related topics Car insurance calculator for teens in FloridaCheapest SR-22 insurance in FloridaDo you need insurance to register a car in Florida?Florida car insurance calculatorFlorida car insurance: Rates, state minimum requirements and best companiesHow long does a speeding ticket stay on your record in FloridaHow much car insurance costs in Florida vs. New JerseyHow much car insurance costs in Florida vs. New YorkHow much car insurance costs in Florida vs. North CarolinaHow much car insurance costs in Florida vs. TexasHow much is gap insurance in FloridaLow-cost car insurance in FloridaNon-owner car insurance in Florida: Which company has the cheapest rates?The best and cheapest car insurance in FloridaBest and cheapest companies for home and auto bundles in FloridaSee more Explore other insurance options in Florida The best and cheapest car insurance in Florida Average renters insurance cost in Florida Average homeowners insurance cost in Florida In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2026? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month high for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does car insurance cost a month in 2026? How much does used car insurance cost? 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 (844) 645-3330