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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

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 Florida

If 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 cost
Travelers$210$2,520
UAIC$218$2,612
State Farm$223$2,681
GEICO$239$2,865
Nationwide$278$3,335
Mercury Insurance$345$4,144
Allstate$378$4,531
Farmers$398$4,777
National General$413$4,961
Progressive$552$6,622
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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 2023 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.

Average cost of car insurance by coverage levels in Florida

The cost of your car insurance also depends on the coverage levels you choose.

If you opt for just the minimum coverage required by your state, you’ll pay $101 per month, or $1,208 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.

For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.

In Florida, the average cost for full coverage is $321 per month, or $3,852 per year

While it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.

Coverage limitsAverage annual cost
State minimum liability-only$1,208
Liability only$2,220
Full coverage$3,852
Non-owner state minimum liability$925
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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 city

Jacksonville
Miami
Orlando
Tampa

Average car insurance cost in Florida by city

Car 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 cost
Cape Coral$3,268
Tallahassee$3,308
Port St. Lucie$3,742
Jacksonville$3,909
Orlando$4,030
St. Petersburg$4,340
Fort Lauderdale$4,793
Hialeah$4,828
Miami$4,901
Tampa$5,142
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Average car insurance cost in Florida by age

Insurers 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 drivers

If 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 drivers
20$8,245$7,355
21$6,413$5,936
22$5,683$5,376
23$5,394$5,076
24$5,121$4,876
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Average car insurance cost in Florida for adult drivers

On 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 drivers
25$4,491$4,450
30$4,044$4,081
35$3,958$4,039
40$3,809$3,896
45$3,756$3,861
50$3,594$3,683
55$3,483$3,518
60$3,412$3,458
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Average car insurance cost in Florida for senior drivers

If 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 drivers
65$3,476$3,536
70$3,779$3,724
75$4,257$4,105
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Minimum car insurance requirements in Florida

Whether 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: $10,000
  • Bodily injury per accident: $20,000
  • Property damage liability: $10,000

Cheapest cars to insure in Florida

The 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 premium
Chrysler Voyager$2,384
Subaru Forester$2,437
Mini Cooper Countryman JCW$2,463
Mazda MX-5 Miata$2,472
Volkswagen Tiguan$2,520
Subaru Outback$2,527
Honda HR-V$2,552
Ford Ranger$2,554
Subaru Crosstrek$2,555
Honda CR-V$2,566
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Most expensive cars to insure in Florida

Mercedes-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 premium
Mercedes-AMG EQS$7,109
Jaguar F-Pace SVR$5,863
Maserati Quattroporte$5,713
Jaguar F-Type$5,493
Audi e-tron GT$5,395
BMW M8 Gran Coupe$5,174
Maserati Ghibli$5,156
Nissan GT-R$5,117
Chevrolet Corvette E-Ray$5,107
BMW i7$5,041
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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.

Methodology

Insure.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, including

  • Full 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 limits
  • Liability-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 20-24
  • Adult drivers aged 25-26
  • Senior drivers aged 65-75

The quoted insurance rates are for comparison purposes, and your rates may vary.

78.5M

Quotes reviewed

170

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$2,215/Year
Alabama$2,107/Year
Arkansas$2,723/Year
Arizona$2,333/Year
California$3,010/Year
Colorado$3,222/Year
Connecticut$2,726/Year
Delaware$3,097/Year
Georgia$2,739/Year
Hawaii$1,721/Year
Iowa$2,228/Year
Idaho$1,791/Year
Illinois$1,901/Year
Indiana$1,856/Year
Kansas$2,410/Year
Kentucky$2,976/Year
Louisiana$4,180/Year
Massachusetts$2,430/Year
Maryland$2,273/Year
Maine$1,701/Year
Michigan$3,146/Year
Minnesota$2,561/Year
Missouri$2,410/Year
Mississippi$2,455/Year
Montana$2,541/Year
North Carolina$2,587/Year
North Dakota$2,079/Year
Nebraska$2,387/Year
New Hampshire$1,650/Year
New Jersey$2,736/Year
New Mexico$2,486/Year
Nevada$3,284/Year
New York$2,898/Year
Ohio$1,739/Year
Oklahoma$2,705/Year
Oregon$1,927/Year
Pennsylvania$2,428/Year
Rhode Island$2,706/Year
South Carolina$2,367/Year
South Dakota$2,635/Year
Tennessee$2,214/Year
Texas$2,631/Year
Utah$2,250/Year
Virginia$1,837/Year
Vermont$1,504/Year
Washington$2,175/Year
Wisconsin$2,026/Year
West Virginia$2,557/Year
Wyoming$1,984/Year
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author image
Shivani Gite
Contributing Writer

 
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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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