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No. 3 most expensive: Florida

Last updated: April 18, 2019

By , Insure.com

Florida car insurance rates

Average annual rate: $2,219

Average annual rate for the top-selling vehicle in the country first quarter of 2019 F-150: $2,373

Average annual rate for the top-selling SUV in the country first quarter of 2019 Toyota RAV4 LE: $2,152

Average annual rate for the top-selling sedan in the country first quarter of 2019 Toyota Camry L: $2,385

The Sunshine state nabbed the third spot on the list of most expensive states for car insurance for the second year in a row. The state annual average premium is up 8 percent over 2018 and is 52 percent higher than the 2019 national average.

There are a variety of factors that contribute to Floridians paying higher car insurance premiums. One main one for the expensive rates is the state’s no-fault insurance, personal injury protection (PIP), which motorists are mandated to carry Florida. Florida continually battles PIP fraud with questionable claims raising rates for all by approximately $250 a year.

Another reason for high rates is drivers operating vehicles without having insurance. Over a quarter of the drivers are uninsured -- 26.7 according to the IRC --which is the highest in the country. Uninsured drivers push up the costs of auto insurance for insured drivers as there are not as many drivers to spread the risk around, so those who are responsible with policies have to absorb that cost.

How do you get reasonable rates in Florida for car insurance? Work on keeping a clean driving record (no tickets), good credit and a clean claims history (no accidents) and comparison shop with three or more car insurance companies at least once a year.

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