Average Car Insurance Cost in Florida (2025)
Drivers in Florida pay an average of $154 per month for liability insurance and $210 for full coverage.
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
Updated
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Table of contents
Living in the Sunshine State comes with plenty of perks, but cheap car insurance isn’t one of them. Florida drivers pay around $182 per month for coverage — that’s about $50 more per month than most Americans pay.
Between the constant stream of tourists navigating unfamiliar roads and Florida’s rank as third in the nation for fatal crashes, insurers see drivers as a pretty risky bet.[1] Though average rates have decreased by about 10% since June 2024, rates are still expensive.
Fortunately, you can still find affordable insurance in the state by comparing quotes.
Quick Facts
State Farm, Mile Auto, and Foremost are a few of the cheapest car insurance companies in Florida.
Florida drivers pay $154 per month for liability coverage and $210 for full coverage.
Miami drivers pay the highest car insurance rates in the state, while Gainesville drivers pay the least.
How much is car insurance in Florida?
Florida car insurance costs aren’t exactly budget-friendly. Full-coverage car insurance sets you back about $210 per month, while the state’s minimum coverage runs around $154 per month. But this is just the average cost, and your actual prices could look a lot different.
Take age, for example: If you’re a teen driver, your monthly car insurance bill for full coverage may cost an average of $359. But for drivers in their 60s, that same coverage drops to a more manageable monthly premium of $186.
Below, you can compare average monthly car insurance quotes in Florida and nationwide.
 | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Florida | $154 | $210 |
| National average | $104 | $184 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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How Florida car insurance rates have changed over time
The average annual cost for full-coverage car insurance in Florida rose to about $3,200 in 2024, but it has since decreased to about $2,900 in 2025. Full-coverage rates also rose nationally, though they remain much cheaper than in Florida.
See how the average annual costs of Florida car insurance have changed over the past two years below.
Average Florida Car Insurance Rates over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
See More
To find car insurance rates in Florida and the U.S. over the last two years, download our data here.
Average Florida car insurance rates by city
Every city has its own personality and challenges — even your ZIP code can make a difference in what you pay for car insurance. Miami drivers deal with bumper-to-bumper traffic and a higher chance of vehicle theft, while someone living in Sarasota might have fewer car accidents to worry about.[2]
Your insurance company considers many local factors — including traffic patterns, crime rates, and even the number of accidents in your neighborhood — to determine the risk in your area.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
City | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Vero Beach | $120 | $177 |
| Gainesville | $122 | $181 |
| North Port | $122 | $178 |
| Sarasota | $124 | $168 |
| Cocoa | $126 | $183 |
| Venice | $126 | $158 |
| Eustis | $127 | $182 |
| Milton | $127 | $189 |
| Pensacola | $128 | $198 |
| Saint Augustine | $128 | $165 |
| Clermont | $135 | $199 |
| Ocala | $139 | $191 |
| Panama City | $139 | $176 |
| Naples | $139 | $200 |
| Bradenton | $140 | $189 |
| Melbourne | $141 | $188 |
| Tallahassee | $142 | $202 |
| Altamonte Springs | $144 | $215 |
| Punta Gorda | $146 | $174 |
| Cape Coral | $146 | $212 |
| Port Orange | $148 | $181 |
| Fort Myers | $149 | $206 |
| Lakeland | $150 | $202 |
| Spring Hill | $152 | $228 |
| Jupiter | $152 | $198 |
| Sanford | $153 | $214 |
| Saint Cloud | $154 | $210 |
| Jacksonville | $154 | $223 |
| Palm Bay | $157 | $182 |
| Winter Springs | $160 | $199 |
| Palm Harbor | $160 | $231 |
| Miami Beach | $160 | $244 |
| Davenport | $161 | $233 |
| Largo | $161 | $203 |
| Clearwater | $162 | $197 |
| Kissimmee | $162 | $221 |
| Orange Park | $162 | $212 |
| Daytona Beach | $163 | $208 |
| Palm Beach Gardens | $163 | $241 |
| Oviedo | $163 | $223 |
| Winter Haven | $164 | $213 |
| Wesley Chapel | $165 | $253 |
| Saint Petersburg | $166 | $224 |
| New Port Richey | $169 | $239 |
| Deltona | $170 | $220 |
| Apopka | $170 | $216 |
| Holiday | $172 | $248 |
| Riverview | $172 | $268 |
| Coral Springs | $173 | $235 |
| North Miami Beach | $173 | $280 |
| Orlando | $175 | $230 |
| Wellington | $176 | $261 |
| Pinellas Park | $178 | $213 |
| Deerfield Beach | $179 | $247 |
| Hollywood | $180 | $254 |
| Plant City | $188 | $215 |
| Homestead | $189 | $267 |
| Pompano Beach | $190 | $247 |
| West Palm Beach | $191 | $258 |
| Fort Lauderdale | $192 | $253 |
| Brandon | $197 | $265 |
| Lake Worth | $199 | $256 |
| Miami | $203 | $280 |
| Boynton Beach | $209 | $287 |
| Miami Gardens | $213 | $298 |
| Delray Beach | $214 | $272 |
| Tampa | $214 | $285 |
| Hialeah | $230 | $302 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Florida (2025)
Average Florida car insurance rates by age
Your age has a significant effect on your auto insurance bill. Teen drivers face the steepest costs since they’re still building their road experience and are statistically more likely to get into accidents. The good news is that these prices usually start dropping once you hit your mid-20s and continue to improve through your 30s and 40s as long as you maintain a clean driving record.
The table below breaks down average monthly quotes in Florida for liability-only and full-coverage car insurance.
Liability-Only Rates by Age Group
Full-Coverage Rates by Age Group
Average cost to insure popular vehicles in Florida
The most popular vehicles in Florida are the Ford F-Series, Toyota RAV4, Honda CR-V, Toyota Camry, and Chevrolet Silverado.[3] Of these, the Honda CR-V is the cheapest to insure, and the Toyota Camry is the most expensive to insure on average.
Below, you can see average monthly quotes for the state’s most popular vehicles.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $234 |
| Toyota RAV4 | $229 |
| Honda CR-V | $209 |
| Toyota Camry | $276 |
| Chevrolet Silverado | $248 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Florida
Your driving record tells insurance companies in Florida a clear story about how likely you are to file a claim. Think of it as your road reputation — a speeding ticket, car accident, or traffic violation leaves its mark.
Even a minor accident could increase your average annual premium by hundreds of dollars per year. The better your record, the less you’ll typically pay. On average, drivers pay $216 per month with a past speeding ticket, $239 with a past accident, and $231 with a past DUI. Florida drivers with a clean record pay $189 per month.
This table breaks down what Florida residents pay, based on a sample driver profile with various driving incidents.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| Clean record | $189 | N/A |
| With speeding ticket | $216 | 14% |
| With accident | $239 | 26% |
| With DUI | $231 | 22% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Not every state allows the use of credit history for car insurance purposes. But it’s completely legal for Florida insurance companies to review your credit history when determining your policy prices.[4] Insurers must let you know they’re requesting your credit information for review.
The better your credit, the lower your cost tends to be. Insurance companies have found that drivers with better credit typically file fewer claims, so insurers reward them with better prices.[5] If you have poor credit, don’t sweat it too much — while you might pay more than someone with excellent credit, it’s just one of many factors that determine your rate.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $138 $215 Good $146 $229 Fair $158 $247 Poor $193 $301 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Florida
Here are some things you can do to bring down your Florida car insurance costs:
Increase your deductible
Increasing your car insurance deductible is a quick way to lower your monthly payments, but make sure you have enough saved to cover that higher cost if you need to file a claim.
Review your coverage
You could potentially drop comprehensive insurance and go with state-minimum coverage on an older vehicle. You might also consider skipping rental car or roadside assistance coverage.
Leverage discounts
Bundle your policies, sign up for usage-based programs that track your driving, ask about savings for safe drivers, and choose auto pay for discounts on your policy.
Shop around
Compare quotes from more than one insurance company before deciding on a policy. It helps to check out regional and national brands when weighing your options.
Be practical when car shopping
A sporty convertible might look great cruising down A1A, but a more modest ride can keep your insurance costs in check. Smaller, less powerful cars typically mean smaller insurance bills.
Florida average car insurance cost FAQs
The following information can help answer your remaining questions about car insurance costs in Florida.
The average Florida driver pays about $2,190 per year for car insurance, but the average annual cost varies quite a bit. Full coverage is $2,525 per year, while state-minimum coverage runs $1,854 per year. Keep in mind these are just average annual costs, and your actual rates may vary.
State Farm typically offers the lowest rates in Florida, with a liability average of $100 per month. Remember, your car insurance rate will depend on many factors, including your driving record, your Florida address, your vehicle, your age, and whether you opt for state minimum coverage or higher limits.
Florida car insurance costs an average of $182 per month. Drivers pay about $210 for full coverage and $154 if you stick with basic liability insurance. But your monthly payment could be higher or lower depending on your situation and whether you need state-minimum coverage or more protection.
State Farm and GEICO typically top the list for affordable rates in Florida. But “best” means different things to different people. It really comes down to what matters most to you — whether that’s the lowest rates, excellent customer service, or quick claims handling.
Florida keeps it pretty basic with its minimum requirements for car insurance. You need at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL).[6] Keep in mind that minimum coverage isn’t always enough protection on Florida’s roads.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- International Trade Administration. "Most Popular U.S. States and Cities Among International Tourists."
- Florida Health Charts. "Motor Vehicle Traffic Crashes."
- Edmunds. "Most popular cars in America."
- Florida Statutes. "626.9741 Use of credit reports and credit scores by insurers."
- Florida Department of Financial Services. "Credit and Insurance Rates."
- Florida Department of Highway Safety and Motor Vehicles.. "Florida Insurance Requirements."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Amy has been a contributor at Insurify since September 2023.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.