Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Florida Average car insurance cost in Florida The average premium for car insurance in Florida is $2,694 per year or $224 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. | Updated on: December 31, 2024 Why you can trust Insure.com 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. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re looking for car insurance rates in Florida, the average annual premium is $2,694, per year or $224 monthly. This contrasts with the national average of $1,895, highlighting a variation of $799. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Florida, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes. Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget. Average annual cost $2,694 Average per month cost $224 Average cost for state minimum coverage $993 / Year Cheapest car insurance company State Farm($2,119 / Year) Average cost for young drivers $4,090 / Year Average cost for Senior drivers $2,636 / Year Key TakeawaysThe average car insurance cost in Florida is $2,694 per year, based on Insure.com’s analysis.In Florida, the average premium for car insurance is $224 per month.State Farm has the cheapest car insurance rates in Florida, at an average annual rate of $2,119 a year.Average car insurance cost in Florida per monthIn Florida, car insurance costs around $224 per month on average.It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Florida, it’s wise to obtain quotes from multiple firms.Cheapest car insurance companies in FloridaAccording to Insure.com’s rate analysis, State Farm offers the most affordable car insurance premiums in Florida. The average annual cost is $2,119, or $177 per month. The second-best option available is Nationwide, offering insurance at an average cost of $179 per month.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. Affordable car insurance providers in Florida Graph Table Company nameAverage per month costAverage annual costState Farm$177$2,119Nationwide$179$2,150Geico$185$2,214Travelers$196$2,356UAIC$233$2,796Progressive$242$2,902National General$259$3,103Farmers$272$3,261Mercury Insurance$280$3,358Allstate$297$3,569 Read our guide to cheap car insurance companies Florida car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Florida Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $3,589/Year OR $299/month Florida Get Quote Get Quote 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 - + *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 2023 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. Average cost of car insurance by coverage levels in FloridaCar insurance rates in Florida are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $1,629 per year in Florida.As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in Florida amounts to $2,694 per year.If you don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it protects property damage and bodily injury caused by another driver. In Florida, the average annual cost for non-owner state minimum liability coverage is $545.For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $993 in Florida.1State minimum:$9932Liability only:$1,6293Full coverage:$2,6944Non-owners:$545Auto 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 cityJacksonvilleMiamiOrlandoTampaAverage car insurance cost in Florida by cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular cities in Florida:CityAverage annual costCape Coral$2,591Fort Lauderdale$3,174Hialeah$3,355Jacksonville$2,692Miami$3,345Orlando$2,835Port St. Lucie$2,824St. Petersburg$2,909Tallahassee$2,537Tampa$3,131Average car insurance cost in Florida by age of the driverAge plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Florida is $4,090, whereas for seniors, it’s $2,636. The rate for young drivers surpasses that of senior drivers by $1,454.Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.Average car insurance cost in Florida for young driversFor female young drivers in Florida, the average annual car insurance cost is $3,848, and $321 per month. Conversely, male young drivers face an average annual rate of $4,321, and $360 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 20 $5,436 $4,653 21 $4,574 $3,976 22 $4,221 $3,778 23 $3,855 $3,534 24 $3,624 $3,384 Average car insurance cost in Florida for senior driversFor senior female drivers in Florida, the annual cost of car insurance is $2,579, or $215 per month. Similarly, male senior drivers face an annual insurance rate of $2,692, or $224 per month. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $2,491 $2,462 70 $2,665 $2,569 75 $2,932 $2,713 Read more about senior car insuranceMinimum car insurance requirements in FloridaEvery state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Florida Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Florida:Bodily injury per person: $20,000Bodily injury per accident: $10,000Personal property coverage per person: $10,000Cheapest cars to insure in FloridaThe Chevrolet TrailBlazer has the most affordable average annual insurance premium, standing at $2,313. The Mazda CX-30 is followed closely at $2,334 per year. The difference in the cost of insuring these two models is $21 annually.MakeModelAverage annual premiumChevroletTrailBlazer$2,313MazdaCX-30$2,334HondaHR-V$2,344SubaruImpreza$2,360KiaSeltos$2,366BuickEncore GX$2,367FordMaverick$2,379HondaRidgeline$2,399FordRanger$2,421VolkswagenTaos$2,432Most expensive cars to insure in FloridaTopping the list as the most expensive car to insure is the BMW I7, at an average annual premium of $6,851. Notably, the annual difference between the least and most expensive cars to insure amounts to $4,538.MakeModelAverage annual premiumBMWI7$6,851AudiRS E-tron GT$6,833NissanZ Performance$6,763MercedesEQS$6,750Land RoverRange Rover P530 Autobiography$6,629BMWAlpina B8$6,600GenesisG90$6,495NissanZ Sport$6,378GMCHummer EV$6,253Porsche911 Carrera GT3 RS$6,234MethodologyThe 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:The quoted insurance rates are for comparison purposes, and your individual rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Florida Non-owner car insurance in Florida Average renters insurance cost in Florida Average homeowners insurance cost in Florida Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Florida per monthCheapest car insurance companies in FloridaAverage cost of car insurance by coverage levels in FloridaAverage car insurance cost in Florida by cityAverage car insurance cost in Florida by age of the driverMinimum car insurance requirements in FloridaCheapest cars to insure in FloridaMost expensive cars to insure in FloridaMethodology ZIP Code Please enter valid ZIP See rates