How Much is Car Insurance in Florida (Annual/Monthly Cost)

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If you are looking for auto insurance in Florida, it’s important to know how much you should expect to pay. The average premium for car insurance in Florida is $2,560 per year or $213 per month. Meanwhile the national average is $1,682. There is a difference of $878 more between the national average and the state average.

Many factors affect your car insurance rates, such as your age, gender, driving history, credit score, and where you live.

Shop around and compare quotes to save money on your auto insurance.

Read on to learn more about the average rate of full coverage in the state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Florida, and car insurance rates by age group.

Summary of average car insurance cost in Florida
Average annual cost $2,560	Average per month cost $213	Average cost for state minimum coverage $908 / Year
Cheapest car insurance company Geico ($1,554/ Year)	Average cost for young drivers $4,043 / Year	Average cost for senior drivers $2,587 / Year

Key Takeaways

The average car insurance cost in Florida is $2,560 per year, based on Insure.com’s analysis.
In Florida, the average premium for car insurance is $213 per month.
Geico has the cheapest car insurance rates in Florida, at an average annual rate of $1,554 a year.

How much is car insurance in Florida per month?

In Florida, the average premium for car insurance is $213 per month.

The price for the same coverage usually differs between companies. When looking for car insurance rates in Florida, get quotes from many insurers.

As per the rate analysis conducted by Insure.com, the company that offers the cheapest car insurance premiums in Florida is Geico. The average annual cost is $1,554, while the average monthly cost is $130. The second-best option available is State Farm, offering insurance at an average per month cost of $148.

The table below lists the other available car insurance companies that offer car insurance in Florida, along with their average cost per month and average annual cost.

Company name	Average per month cost	Average annual cost
Geico	$130	$1,554
State Farm	$148	$1,776
Travelers	$178	$2,140
Nationwide	$180	$2,156
Mercury Insurance	$219	$2,627
Allstate	$230	$2,757
Progressive	$244	$2,926
National General Insurance	$264	$3,166
Farmers Insurance	$271	$3,248

Read our guide to best car insurance companies

Average cost of car insurance by coverage levels in Florida

The amount of coverage you purchase impacts how much car insurance costs in Florida. Your premium is determined by your liability limits and whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Florida is $1,586.

When you add more coverage to your policy, your insurance premium increases. The insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Florida is $2,560 per year.

For someone who does not own a car but frequently rents a car, non-owner state minimum liability coverage is the best choice. It is similar to liability-only coverage and covers property damage and bodily injury caused to another driver. In Florida, the average annual cost for non-owner state minimum liability only is $759.

Those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage to be able to drive in the state legally. The state minimum liability only coverage costs $908 per year in Florida.

Coverage limits	Average annual cost
50/100/50 Liability Only	$1,586
100/300/100 Liability with $500 Comp/Coll Deductible	$2,560
Non-Owner State Minimum Liability Only	$759
State Minimum Liability Only	$908

Average car insurance cost in Florida by city

Your car insurance premium is determined by various factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Florida:

City	Average annual cost
Jacksonville	$2,529
Miami	$3,504
Tampa	$3,362
Orlando	$2,603
St. Petersburg	$2,937
Hialeah	$3,559
Port St. Lucie	$2,434
Tallahassee	$2,137
Cape Coral	$2,223
Fort Lauderdale	$3,129

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

Average car insurance cost in Florida by age

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Florida is $4,043, while for seniors it is $2,587. Here, the rate for young drivers is $1,456 more than the rate for senior drivers.

Statistics show that young drivers are more likely to be in a vehicle accident than experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered high-risk drivers because of speeding and less driving experience on road. However, premiums start to rise again at about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Florida for young drivers

The average car insurance cost for female young drivers in Florida is $3,893 per year or $324 per month and rate for a male young driver is $4,193 per year or $349 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
18	$9,433	$8,403
19	$6,201	$5,621
20	$5,591	$5,060
21	$4,401	$4,008
22	$3,941	$3,699
23	$3,626	$3,435
24	$3,407	$3,265
25	$3,083	$3,049

Average car insurance cost in Florida for senior drivers

In Florida, the cost of car insurance for senior female driver is $2,593 per year or $216 per month and cost of car insurance for male senior driver is $2,581 per year or $215 per month.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$2,465	$2,507
70	$2,680	$2,644
75	$3,065	$2,987

Minimum car insurance requirements in Florida

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Florida Department of Insurance, the following are the required coverages and minimum coverage limits in Florida:

Bodily injury per person: $10,000
Bodily injury per accident: $20,000
Personal property coverage per person: $10,000

Cheapest cars to insure in Florida

The Subaru Forester 2.5I has the lowest average annual insurance premium at $1,936, followed closely by the Mazda CX-5 S at $1,942. The difference in the cost of insuring these two models is $6 annually.

Make	Model	Average annual premium
Subaru	Forester 2.5I	$1,936
Mazda	CX-5 S	$1,942
Mazda	CX-30 S	$1,957
Subaru	Crosstrek 2.0I	$2,005
Subaru	Outback 2.5I	$2,036
Subaru	Crosstrek 2.5I Limited	$2,052
Chrysler	Voyager LX	$2,052
Ford	Transit Connect Titanium	$2,081
Hyundai	Venue SE	$2,094
Mazda	MX-5 Miata Grand Touring	$2,102

Most expensive cars to insure in Florida

The most expensive car to insure on the list is the Maserati Levante Trofeo, which has an average annual premium of $6,709. However, the difference between the cheapest and most expensive cars to insure is $4,773 annually.

Make	Model	Average annual premium
Maserati	Levante Trofeo	$6,709
Porsche	Taycan Turbo S	$6,300
Audi	RS E-tron GT	$6,223
Audi	R8 5.2L V10 Quattro Performance	$5,996
Jeep	Grand Wagoneer Series I	$5,811
BMW	M8 Competition XDrive	$5,798
Jeep	Wagoneer Series I	$5,669
Porsche	Panamera 4 E-Hybrid	$5,627
Audi	RS6 Avant Quattro	$5,396
Maserati	Quattroporte	$5,299

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Helpful car insurance calculators:

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

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 a full coverage policy with limits: