Average Car Insurance Cost in Florida (2025)
Drivers in Florida pay an average of $190 per month for car insurance.
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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 byLequita Westbrooks
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Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money.
Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba).
She holds a bachelor’s degree in English from the University of South Florida.
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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 $190 per month for coverage — that’s about $50 more per month than what 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] And it isn’t getting any better — rate increases have hit Floridians’ wallets pretty hard, jumping about 24% since 2023.
Fortunately, you can still find affordable insurance in the state by comparing quotes.
Quick Facts
State Farm, GEICO, and Mile Auto are a few of the cheapest car insurance companies in Florida.
Florida drivers pay $150 per month for liability coverage and $230 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 $230 per month, while the state’s minimum coverage runs around $150 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 $390. But for drivers in their 60s, that same coverage drops to a more manageable monthly premium of $188.
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How Florida car insurance rates have changed over time
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To find car insurance rates in Florida and the U.S. over the last two years, download our data here.
The average annual cost for full-coverage car insurance in Florida rose to about $3,200 in 2024, up significantly over rates from just a few years ago. 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.
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 their car getting stolen, 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: Thursday, March 13 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Panama City | $114 | $188 |
| Gainesville | $115 | $184 |
| Sarasota | $121 | $175 |
| Melbourne | $124 | $191 |
| Pensacola | $127 | $215 |
| Ocala | $128 | $206 |
| Tallahassee | $129 | $209 |
| Cape Coral | $132 | $224 |
| Palm Bay | $133 | $199 |
| Naples | $136 | $208 |
| Fort Myers | $137 | $219 |
| Daytona Beach | $140 | $215 |
| Lakeland | $141 | $213 |
| Jacksonville | $146 | $233 |
| Winter Haven | $147 | $242 |
| Jupiter | $149 | $214 |
| Spring Hill | $151 | $233 |
| Davenport | $151 | $239 |
| Apopka | $156 | $238 |
| Clearwater | $157 | $223 |
| Orlando | $162 | $248 |
| Saint Petersburg | $169 | $251 |
| Riverview | $184 | $296 |
| Fort Lauderdale | $192 | $292 |
| Pompano Beach | $197 | $283 |
| West Palm Beach | $200 | $288 |
| Miami | $208 | $330 |
| Tampa | $216 | $310 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 and gender
Your age and gender play a bigger role than you might think in the size of 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.
In many states, male drivers typically pay higher premiums than female drivers. But Insurify data shows that male and female Florida drivers pay about the same for coverage. The table below breaks down average monthly quotes in Florida for liability-only and full-coverage car insurance.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $297 | $463 |
| 18 | $258 | $403 |
| 20 | $191 | $299 |
| 25 | $177 | $277 |
| 30 | $162 | $254 |
| 40 | $153 | $239 |
| 50 | $137 | $214 |
| 60 | $125 | $195 |
| 70+ | $130 | $203 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $297 | $463 |
| 18 | $258 | $403 |
| 20 | $191 | $299 |
| 25 | $177 | $277 |
| 30 | $162 | $254 |
| 40 | $153 | $239 |
| 50 | $137 | $214 |
| 60 | $125 | $195 |
| 70+ | $130 | $203 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Florida
Picture cruising down A1A or battling I-4 traffic — that’s where you’ll spot some of the most popular vehicles in Florida.
The F-Series and Silverado trucks may appeal to Florida drivers because of their impressive towing and hauling, off-road capabilities, durability, and modern technology.[3] They can haul everything from hurricane supplies to paddleboards.
The RAV4 and CR-V are perfect for snowbirds and year-round residents alike. Florida drivers may like them for their fuel efficiency, advanced features, and comfortably spacious interiors.[4]
And the dependable and durable Camry pops up in nearly every Florida neighborhood, quietly weathering the state’s hot summers and random afternoon downpours.[5]
The table below shows the average insurance premiums for the most popular vehicles in Florida, according to Edmunds.
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 50-plus 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.
This table breaks down what Florida residents pay on average, based on a sample driver profile with various driving incidents.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $259 | 31% |
| With speeding ticket | $240 | 22% |
| With DUI | $299 | 52% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.[6] 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.[7] 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 final 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 50-plus 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
Let’s tackle some of the most common questions Florida drivers ask about car insurance costs.
The average Florida driver pays about $2,280 per year for car insurance, but the average annual cost varies quite a bit. Full coverage is $2,758 per year, while state-minimum coverage runs $1,802 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 $69 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 $190 per month. Drivers pay about $230 for full coverage and $150 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).[8] Keep in mind that minimum coverage isn’t always enough protection on Florida’s roads.
Sources
- International Trade Administration. "Most Popular U.S. States and Cities Among International Tourists."
- Florida Health Charts. "Motor Vehicle Traffic Crashes."
- Jdpower.com. "Discover the Best Trucks by Ratings."
- Brandon Honda. "Brandon Honda: Your Gateway to Superior SUVs."
- U.S. Dependability Study. "2024 Most Reliable Vehicles."
- 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.
Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money.
Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba).
She holds a bachelor’s degree in English from the University of South Florida.