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No. 3 most expensive: Florida

Last updated: Apr. 21, 2020

By , Insure.com

Florida car insurance rates

Average rate: $2,239

Average rate for the top-selling vehicle in the country first quarter of 2020 F-150: $2,138

Average rate for the top-selling SUV in the country first quarter of 2020 Toyota RAV4: $2,264

Average rate for the top-selling sedan in the country first quarter of 2020 Toyota Camry: $2,446

The Sunshine state seized the third spot on the list of most expensive states for car insurance for the third year in a row. The state annual average premium is up 1% over 2019 and is 48% higher than the 2020national 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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