On average, you can expect Florida car insurance to be about $4,178 per year for full coverage and $1,756 annually for minimum coverage. However, this only represents a 40-year-old driver with good credit and no driving violations so rates will vary depending on your unique profile.
Average Cost of Car Insurance in Florida
Updated: June 19, 2025
Advertising & Editorial Disclosure
Key Takeaways
Florida car insurance costs can range anywhere from $985 to $14,918 per year on average depending on your chosen coverage, driving profile and location.
Florida is tied for the most expensive car insurance in the country ranking 49th and 51st overall for minimum and full coverage affordability respectively.
You can find the cheapest car insurance in Florida by deciding on coverage beforehand, researching cost and companies and comparing plenty of quotes.
Average Car Insurance Cost In Florida
| Full Coverage | $348 | $4,172 |
| Minimum Coverage | $146 | $1,756 |
*Rates are for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry LE. Minimum coverage represents the minimum required liability coverage in the state while full coverage is representative of a 100/300/100 liability policy with a $1,000 deductible for comprehensive and collision coverage.
Average Florida Car Insurance Cost By Category
As mentioned, car insurance varies widely depending on your unique characteristics, location and the car you drive. So, we've broken down average rates for common categories of drivers so you can see how pricing can vary.
| Young Drivers | $331 | $808 |
| Adult Drivers | $146 | $342 |
| Senior Drivers | $185 | $445 |
| Drivers With An Accident | $209 | $497 |
| Drivers With A DUI | $201 | $461 |
| Drivers With A Speeding Ticket | $173 | $419 |
| Drivers With Bad Credit | $194 | $391 |
| Drivers With Low Income | $135 | $271 |
| Drivers With Newer Cars | $115 | $273 |
| Drivers With Old Cars | $107 | $250 |
*Rates are modified based on the profile for the previous table. Categories expressed are the following modifications of that profile: Young Drivers (16-25), Adults (26-64), Seniors (65+), Low Income (Fair Credit), Bad Credit (Poor Credit), Newer Cars (2025 Toyota Camry LE), Older Cars (2007 Toyota Camry LE) and all driving violation profiles only assume that violation is part of the profile.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Find the best cheap provider for your profile in our comprehensive roundup guides:
Personalized Average Florida Car Insurance Costs
While the categories above represent drivers generally, they are not personal to you. So, to help you understand more exact costs for your profile, we've created the following filterable table to tailor our average cost findings to you.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| 100/300/100,000 - 1000 comp_coll | $398 | $4,772 |
*Rates for the age groups are based on the following assumptions Young Drivers (16-25), Adults (26-64), Seniors (65+).
Average Florida Car Insurance Cost By City
Your location is Florida heavily affects your rates. For example, the lowest rates per year are in Ponce De Leon at $751 while in Pompano Beach rates reach as high as $4,356 annually. Below you can compare both full and minimum coverage rates for your city and all other residential areas in the state.
Data filtered by:Results filtered by:
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City:Alachua
| Full Coverage | $162 | $1,950 |
| Minimum Coverage | $68 | $820 |
*Rates are for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry LE. Minimum coverage represents the minimum required liability coverage in the state while full coverage is representative of a 100/300/100 liability policy with a $1,000 deductible for comprehensive and collision coverage.
Is Florida Car Insurance Expensive?
Florida ties both New Jersey and Louisiana as the most expensive overall state (including D.C.) for car insurance in 2025 and ranks 51st in affordability for full coverage and 49th overall for minimum coverage policies. However, this is only an overall statistic comparing average rates for the entirety of states and affordability rankings for your city compared to the rest of the United States will vary widely.
Why Is Car Insurance More Expensive In Florida?
Below we'll explore the reasons for Florida's high car insurance rates:
No-Fault Insurance System
Due to Florida being a no-fault state, the chances of having to make a claim are exponentially higher, resulting in more expensive rates overall. This is due to the fact that in this system, if there are damages, fault cannot be assigned to a single driver for medical expenses or lost wages. It has
PIP Insurance Requirements
PIP makes up more than 18% of auto insurance premiums, according to a study commissioned by Florida's Office of Insurance Regulation, meaning Florida drivers are forced to pay $800 on average for an insurance system that encourages fraud and abuse. The problem is compounded by the fact that the amount of PIP required ($10,000) has remained unchanged since 1979, and because of inflation, medical services that cost $10,000 in 1979 would cost about $77,000 today.
Extremely High Rate of Uninsured Drivers
Florida has one of the highest rates of uninsured motorists in the country. Up to 20% of drivers in Florida are uninsured, much higher than the national average of 12.6%, with most recent recent data showing 15.9% Florida drivers do not have insurance on their vehicles according to the Insurance Information Institute while other sources suggesting the number could be as high as 20.4%.
Severe Weather and Natural Disasters
Extreme weather is a common cause of auto insurance claims, causing those with comprehensive coverage to have much higher rates. Florida is notoriously known for its susceptibility to hurricanes, floods, and tropical storms, significantly increasing vehicle damage risk and the chance of a total loss.
High Healthcare Costs
According to the Commonwealth Fund, Florida is one of five states where residents spend 14% or more of their income on health care. To cover these high medical costs, insurance companies charge higher premiums. Healthcare spending also increases by an average of 6.0% every year in Florida which is higher than the national average of 5.7%, further supporting this high spending.
Fraud and Litigation Issues
Florida's PIP system has opened the door to a cottage industry of PIP setup rings, in which phony medical providers send fraudulent medical bills to auto insurance companies from staged accidents. Even further, Florida's PIP claims have been nearly three times as likely to be litigated as in other states.
High Population Density and Tourism
Research shows that around 143 million people visited Florida in 2024 and with its ports, beaches and top amusement parks, it's no surprise Florida ranks as the third-busiest state in the U.S. More visitors lead to busier highways, which raises auto insurance rates in the state. Tourists may be unfamiliar with local roads, which can lead to more frequent accidents.
Vehicle Theft and Crime
Vehicle theft is a key factor in Florida's high car insurance premiums and the state ranks 3rd highest in theft rate according to the Insurance Information Institute. Insurance companies view areas with higher theft rates as higher risk, which results in higher premiums for drivers in those areas for comprehensive insurance.
Demographics and Driver Age Distribution
Florida's large young adult and senior populations contribute to higher insurance costs. According to Census data, people aged 18 to 24 and seniors comprise 17.7% of the state's population, 1.5% higher than the national average.
Inflation and Rising Repair Costs
Inflation plays a significant role in the rising cost of car insurance in Florida. As inflation rates increase, the costs associated with vehicle repairs, medical expenses, and overall claim settlements also rise. In Florida, the inflation rate from 2022 to 2023 was 15.1% resulting in an increased monthly cost per household of $848, 14% higher than the national average
How To Lower Car Insurance Costs In Florida
Below we've created a step-by-step guide to lowering your car insurance costs:
- 1
Decide on coverage needs beforehand
Deciding on your coverage needs beforehand is an important step that you need to take so that you're not oversold on too much coverage. Consider your financial situation, driving habits, vehicle details and your risk tolerance when making this decision.
- 2
Research costs and discounts
To make sure you're saving money for your particular profile, ensure you know your average costs for your desired coverage level. Also, make sure to research car insurance discounts you may qualify and look into the best home and auto insurance or other bundles to have the most balanced perspective.
- 3
Look into company reputations and coverage options
Cost is not all the matters and you should consider add-on coverage options and customer experiences with different providers to help you narrow down which you'd like to compare quotes with. Use resources like industry studies, review forums and public forums like Reddit.
- 4
Compare quotes through multiple means
Compare multiple company quotes apples to apples side by side to find the best deal possible. Also, we recommend using multiple methods of getting quotes like online comparison sites and independent agents since pricing varies widely between method.
Cost of Car Insurance in Florida: Bottom Line
Overall, Florida car insurance costs are one of the most expensive in the United States, making it incredibly important to take advantage of savings strategies. We recommend deciding on coverage needs beforehand, doing plenty of research, and then comparing quotes from the right insurers for your situation.
Cost of Car Insurance in Florida: FAQ
Below are answers to frequently asked questions about Florida car insurance costs:
How much is Florida car insurance per month?
Per month, Florida car insurance costs $146 for minimum coverage and $348 for full coverage policies. However, rates can range anywhere from $85 to $1,243 monthly depending on your unique driver profile and coverage choice.
What factors affect Florida car insurance costs?
Primary factors include driving history, age, and location - with accidents, violations, and younger drivers facing higher rates, while urban areas typically cost more than rural ones. Vehicle type, coverage amounts, credit score, and annual mileage also significantly impact premiums, along with factors like gender and marital status in some states.
Why is Florida car insurance so expensive?
Florida's car insurance is expensive due to its no-fault insurance system requiring costly PIP coverage, an extremely high rate of uninsured drivers (up to 20% vs. 12.6% nationally), and rampant insurance fraud that has created a "cottage industry" of fraudulent medical billing schemes. The state's severe weather risks from hurricanes and storms, combined with 143 million annual tourists creating congested roads and higher accident rates, forcing insurers to charge higher premiums.
How expensive is Florida car insurance?
Florida ranks 49th in affordability for minimum coverage and 51st overall for full coverage, making them tied for the most expensive place to get auto insurance in the U.S.
How We Determined Florida Car Insurance Costs
We used the following profile and modifications of this profile to determine Florida auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.