How Much Does Car Insurance Cost In Florida?

On average, drivers pay $331 per month for car insurance in Florida, according to 2021 rates.

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Average Cost of Car Insurance in Florida

Florida offers drivers a mix of ocean breezes, palm trees, and a flat landscape in its tropical climate. Humidity is just a part of life, and cool AC in your car and everywhere else is almost a necessity year-round.

The Sunshine State gives 21.5 million residents a place to call home. Jacksonville, Miami, Tampa, Orlando, and St. Petersburg are the top five cities by population, and there are 77 cities with 50,000 people or more. That means even the smallest places have plenty of drivers on the road, and maybe that's part of the reason Florida has the sixth-highest car insurance prices in the nation.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $33150%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

What Is the Average Cost of Car Insurance in Florida by Age?

Florida drivers in their teens are considered very risky to insure and therefore face a jaw-dropping $608 in monthly insurance rates. Young adults shave off more than $200 as they gain more driving experience in their 20s.

People in their 30s, 40s, and 50s see a price slightly below the average. Florida treats retired and almost-retired drivers well, with prices $80 below the state average for folks in their 60s. Folks in their 70s and 80s see a bump due to slower reaction times and higher risk of incurring an accident, but they still pay less than most other age categories.

AgeAvg. Monthly Rate
Teens$608
20s$376
30s$302
40s$312
50s$294
60s$248
70s$250
>80s$275

What Is the Average Cost of Car Insurance in Florida by Gender?

Although Florida does allow car insurance companies to use gender as a rating factor, men and women pay precisely the same amount for car insurance in the Sunshine State.

GenderAvg. Monthly Rate
Male$331
Female$331

Does Marital Status Influence the Average Cost of Car Insurance in Florida?

Is $420 a year enough reason for you to say, "I do”? Married drivers save $35 a month over their single counterparts, which sounds awfully romantic to the pocketbook.

Add financial stability to the pot and a higher average net worth, and the experts and economists say go ahead and tie the knot. Perhaps, car insurance savings is another motivation to walk down the aisle.

Marital StatusAvg. Monthly Rate
Married$306
Single$341

What Are the Minimum Car Insurance Requirements in Florida?

Florida is a no-fault state, meaning drivers file injury claims with their own insurance carrier after an accident. The law requires $10,000 in no-fault or personal injury protection (PIP) and $10,000 for property damage liability. Holding the minimum requirement would not protect your vehicle. For that, you need comprehensive and collision coverage.

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How Does Credit History Affect Florida Car Insurance Rates?

The Sunshine State factors your credit into your car insurance rate. People with excellent credit pay $50 less than those with poor credit. Many people ask, "What does my credit have to do with my ability to drive?"

States like California, Hawaii, and Massachusetts have decided the answer is "nothing," but Florida and most other states allow insurance companies to use credit as a rating factor. Paying off debt, lowering your credit utilization to under 25 percent, and raising your credit score can lower your insurance bill.

Credit HistoryAvg. Monthly Rate
Poor$333
Average$326
Good$324
Excellent$275

What Is the Average Cost of Car Insurance in Florida for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Florida should expect a slight bump to their monthly rate—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $54. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$317
At-Fault Accident$371
Speeding$317

Tips for Researching Florida Car Insurance Rates

Insurance prices differ by location, company, and driver in Florida. The Sunshine State's no-fault system makes finding the right insurance a challenge for some folks.

Try a comparison tool like Insurify to compare up to 10+ real quotes and unlock savings and discounts. In less than two minutes, you can find the coverage you deserve at a price you can afford. No matter how humid it is outside, you can still save money on car insurance without breaking a sweat.

FAQs - Florida Car Insurance

Why is car insurance so expensive in Florida?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Florida?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Florida. Insurify analyzed the latest data for the five most populous cities in Florida to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Florida?

'The way to find the carrier with the best auto insurance ratings in Florida and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you''re a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.'

How much do annual auto insurance rates increase in Florida?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.