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 Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 30, 2025 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 Average car insurance cost in Florida Drivers in Florida generally pay an average of $321 per month or $3,852 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $101 or $1,208 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in FloridaTravelers provides the lowest full coverage rates, for an average cost of $2,520 per year or $210 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.UAIC also offers affordable insurance coverage to Florida drivers at an average cost of $2,612 a year or $218 per month.Although these insurers offer some of the most affordable average rates in Florida, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. 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: 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 MinimumNA* Liability coverage$2,294/year Full Coverage$3,319/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? 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 - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. 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 six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered 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 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 cityWhere you live in Florida can have a big impact on your car insurance rates.If you’re located in cities like Tampa, Miami, or Hialeah, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Cape Coral and Tallahassee tend to pay much lower insurance premiums, between $3,268 and $3,308 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.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 tops the list as the most expensive car to insure in Florida, at an average annual cost of $7,109. Below is a list of the most expensive vehicles to insure in Florida and their average annual 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:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver 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:Young 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 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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How much used car insurance costs: 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