Florida car insurance calculator

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Car insurance rates in Florida are influenced by more than just your ZIP code. Your car, level of coverage and driving record all matter – and the gap between the lowest and highest premiums can be hundreds of dollars each year. Enter a few details below to get a quick estimate of what you may pay.

How to use our car insurance calculator to estimate your rates in Florida

Getting an estimate takes less than a minute. Follow these steps:

1. Choose your car’s model year
2. Select the make and model
3. Pick Florida as your state
4. Click ‘Get My Rates’ to view your estimate
5. Add additional vehicles to explore more options, or click ‘Get quotes’ to compare real-time rates

Florida car insurance calculator

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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/year

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A good driver means:

• Have no accidents or violations in the last 3 years.
• Don't have a DUI.
• Don't need an SR22.

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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.

Does your vehicle model affect car insurance rates in Florida?

A vehicle’s make and model can significantly impact car insurance rates. ‘Make’ refers to the brand and ‘model’ refers to the specific model you drive. For example, Honda (make) Accord (model).

Insurers price based on how much a vehicle costs to repair or replace, how often that model is involved in claims, and how frequently it’s stolen. Two vehicles at the same price point can carry meaningfully different premiums.

For example, full coverage for a Honda Accord LX costs $3,562 per year in Florida, while the average premium for a Honda CR-V is $3,013 – a difference of $549.

Does your car’s model year affect insurance rates in Florida?

Newer cars generally cost more to insure because they are more expensive to repair or replace.

In Florida, insuring a 2024 Honda Accord LX costs $3,775, while the 2025 version costs $3,613.

However, older vehicles aren’t always cheaper – lack of safety features or costly parts can keep premiums high.

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.

Our agents make it hassle-free to get the right quote.

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How does your car’s trim affect insurance rates in Florida?

Insurance rates often vary based on your car’s trim. Trim refers to the specific version of a model with different features, equipment, or engine options, such as LX, EX, or Sport.

Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.

For example, in Florida, full coverage car insurance for a 2024 Honda Accord LX costs $3,775 a year, while the higher-end Accord EX-L trim costs $3,717 annually – a difference of $58 per year.

Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding.

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See more

How much does car insurance cost in Florida?

The average cost of full coverage car insurance in Florida is $3,916 per year, or $326 per month. While this is a helpful benchmark, your actual premium may differ depending on your car, coverage and personal profile.

How do car insurance rates vary by city in Florida?

Your location within Florida can impact your premium just as much as your coverage level. Insurers consider traffic density, accident data, weather risks and theft rates when determining prices – which is why two drivers with similar profiles may pay very different amounts depending on their ZIP code.

Full coverage costs $5,400 per year in Egypt Lake-Leto, compared to $3,087 in Lake Lorraine.

Top 20 cities with cheapest car insurance rates in Florida

These cities typically have the lowest premiums due to lighter traffic, fewer claims and lower overall risk.

Top 20 cities with most expensive car insurance rates in Florida

These cities tend to have the highest premiums, driven by heavy traffic, higher accident rates and more frequent claims.

Estimate your Florida car insurance cost with our calculator

Our Florida car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate.

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.