Home Car insurance Car insurance calculator Florida car insurance calculator Florida car insurance calculator 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: January 8, 2026 Why you can trust Insure.com Quality Verified 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. If you drive in Florida, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Florida car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Florida, making it easier to compare options and choose the coverage that’s right for you. How to use our car insurance calculator to estimate your rates in FloridaOur calculator gives you a fast, customized car insurance estimate. Enter a few details to see your potential rates and easily compare coverage options – no guesswork required.Step 1: Choose the model year of your car.Step 2: Choose the make and model of your car.Step 3: Choose your state.Step 4: Click on the “Get My Rates” button to get a car insurance estimate.Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices. 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:How much does your vehicle model affect car insurance rates in Florida?Car insurance rates in Florida vary widely based on your vehicle’s make and model. Insurance companies consider multiple factors, including the make and model of your car, to determine premiums.A full coverage car insurance policy in Florida for a Honda Accord LX costs $2,955 annually, whereas a Honda CR-V costs $2,566 to insure in Florida – a difference of $389.Does your car’s model year affect insurance rates in Florida?In Florida, as in most states, your car’s model year can impact your insurance rate. For example, the average annual premium for a 2023 Honda Accord LX is $4,574, compared to $2,847 for the 2024 model. Quick tip: Know your state’s minimum insurance requirements before you buyCar insurance requirements vary by state. In Florida, you must have at least the minimum liability coverage to drive legally. This typically includes:Bodily injury liability per person and per accidentProperty damage liabilityThese limits are just the minimum required by law-many drivers opt for higher coverage to ensure better financial protection after an accident. Driving without the required coverage in Florida can result in fines, license suspension or vehicle impoundment. 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 How your car’s trim affects insurance rates in FloridaYour car’s trim is one of the factors insurers use to calculate premiums in Florida. Insurance companies take into account the car’s value, safety features, repair expenses and theft rates. As a result, trims with luxury features or powerful engines tend to be more costly to insure.Full coverage car insurance for a 2023 Honda Accord LX in Florida is about $4,574 per year. On the other hand, the 2023 Honda Accord EX-L trim costs $4,001, which is $573 annually.Higher-end trims often come with expensive features like luxury interiors or advanced infotainment systems, which make the vehicle more costly to replace. Performance trims with bigger engines may also carry higher premiums due to the added risk associated with faster driving. You might find interesting Explore related topics Average car insurance cost in FloridaCar insurance calculator for teens in FloridaCheapest SR-22 insurance in FloridaDo you need insurance to register a car in Florida?Florida 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, cheapest car insurance in FloridaBest and cheapest companies for home and auto bundles in FloridaSee more How much drivers pay for car insurance in FloridaIn Florida, the average cost of full-coverage car insurance is $3,852 per year or $321 per month. Your premium may be higher or lower depending on your chosen coverage limits.Below, you’ll find estimated costs for different coverage levels in Florida, but keep in mind that your final rate will vary based on your own personal factors like your vehicle and driving record.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$3,852$321Liability Only – 50/100/50 BI/PD$2,220$185State Minimum BI/PD$1,208$101Non-Owners$925$77Powered by:How much is car insurance in Florida by cityYour location plays a significant role in determining car insurance rates in Florida. Factors such as traffic congestion, accident frequency, weather conditions, and crime rates influence premiums. For instance, drivers in Egypt Lake-Leto pay $5,714 per year for coverage, while those in Chokoloskee pay $2,705 annually for the same coverage.Top 20 cities with cheapest car insurance rates in FloridaCityAvg. Annual PremiumAvg. Monthly PremiumChokoloskee$2,705$225Everglades City$2,705$225Marco Island$2,737$228Pelican Bay$2,849$237Oxford$2,913$243Naples Manor$2,916$243Sumterville$2,959$247Englewood$2,965$247Santa Rosa Beach$2,970$248Wildwood$2,970$247Goodland$2,980$248Naples$2,986$249De Funiak Springs$2,990$249Copeland$2,992$249Freeport$2,992$249Sebastian$2,999$250South Venice$2,999$250Venice$3,005$250Citrus Springs$3,017$251Defuniak Springs$3,021$252Powered by:Top 20 cities with most expensive car insurance in rates FloridaCityAvg. Annual PremiumAvg. Monthly PremiumEgypt Lake-Leto$5,714$476Boynton Beach$5,411$451Ives Estates$5,368$447Lauderhill$5,317$443Sunny Isles Beach$5,273$439Aventura$5,261$438Hallandale Beach$5,260$438Delray Beach$5,241$437Miami Beach$5,231$436North Lauderdale$5,231$436Surfside$5,230$436Westview$5,175$431Tampa$5,142$428North Miami$5,125$427Miami Springs$5,123$427Hollywood$5,110$426North Miami Beach$5,110$426Greenacres$5,106$426Key Biscayne$5,101$425Lake Magdalene$5,056$421Powered by:Want to know what you’ll pay? Use our Florida car insurance calculatorOur car insurance calculator for Florida factors in your location, vehicle make, and model year to provide an estimate tailored to your situation. Actual quotes may vary, so shop around and compare multiple quotes to get the best deal. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2026 How much used car insurance costs: Most and least expensive models to insure Car insurance calculator: Use our tool to estimate your auto premiums 1/1 How 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/YearWashington, D.C.$3,394/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. 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 a lot 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 used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in FloridaHow much does your vehicle model affect car insurance rates in Florida?Does your car's model year affect insurance rates in Florida?How your car's trim affects insurance rates in FloridaHow much drivers pay for car insurance in FloridaHow much is car insurance in Florida by cityWant to know what you'll pay? Use our Florida car insurance calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330