What is the average annual cost of car insurance in Florida?

The average Florida driver pays about $2,117 per year for car insurance, but the average annual cost varies quite a bit. Full coverage is $2,611 per year, while state-minimum coverage runs $1,623 per year. Keep in mind these are just average annual costs, and your actual rates may vary.

What is the cheapest car insurance company in Florida?

Progressive typically offers the lowest rates in Florida, with a liability average of $95 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.

How much is car insurance per month in Florida?

Florida car insurance costs an average of $176 per month. Drivers pay about $218 for full coverage and $135 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.

What are the best auto insurance companies in Florida?

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.

What are the car insurance requirements in Florida?

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.

Average Car Insurance Cost in Florida (2026)

Updated April 13, 2026

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Living in the Sunshine State comes with plenty of perks, but cheap car insurance isn’t one of them. Florida drivers pay around $176 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

Progressive, Mile Auto, and State Farm are a few of the cheapest car insurance companies in Florida.
Florida drivers pay $135 per month for liability coverage and $218 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 $218 per month, while the state’s minimum coverage runs around $135 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 $371. But for drivers in their 60s, that same coverage drops to a more manageable monthly premium of $196.

Below, you can compare average monthly car insurance quotes in Florida and nationwide.

	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Florida	$135	$218
National average	$97	$183

Disclaimer: Table data is based on real-time Florida quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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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

State Name	2024-04	2024-05	2024-06	2024-07	2024-08	2024-09	2024-10	2024-11	2024-12	2025-01	2025-02	2025-03	2025-04	2025-05	2025-06	2025-07	2025-08	2025-09	2025-10	2025-11	2025-12	2026-01	2026-02	2026-03
United States	2,241	2,301	2,342	2,369	2,390	2,386	2,373	2,370	2,361	2,349	2,364	2,366	2,366	2,355	2,341	2,318	2,286	2,257	2,228	2,215	2,222	2,223	2,224	2,233
Florida	2,872	2,899	2,900	2,883	2,849	2,832	2,829	2,807	2,785	2,720	2,704	2,702	2,714	2,698	2,690	2,707	2,700	2,679	2,660	2,660	2,704	2,729	2,743	2,776

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 in Florida are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.

City	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Milton	$97	$176
Venice	$98	$160
Vero Beach	$102	$200
North Port	$108	$193
Saint Augustine	$108	$179
Panama City	$110	$182
Port Orange	$110	$188
Jupiter	$111	$209
Gainesville	$114	$190
Punta Gorda	$117	$168
Pensacola	$118	$201
Sarasota	$118	$185
Melbourne	$120	$190
Tallahassee	$120	$201
Winter Springs	$120	$207
Naples	$121	$198
Eustis	$123	$174
Cocoa	$125	$188
Coral Springs	$125	$232
Palm Bay	$126	$204
Winter Haven	$126	$225
Cape Coral	$127	$203
Largo	$128	$195
Ocala	$128	$200
Oviedo	$128	$229
Clermont	$129	$209
Lakeland	$129	$214
Bradenton	$130	$210
Daytona Beach	$132	$218
Plant City	$133	$239
Sanford	$134	$208
Clearwater	$135	$209
Port Saint Lucie	$135	$201
Davenport	$136	$230
Fort Myers	$136	$208
Saint Cloud	$138	$211
Orange Park	$140	$223
Jacksonville	$141	$220
Saint Petersburg	$141	$218
Apopka	$143	$235
Palm Harbor	$145	$217
Spring Hill	$146	$238
Wesley Chapel	$146	$261
Wellington	$148	$265
Palm Beach Gardens	$149	$213
Altamonte Springs	$150	$233
Deltona	$151	$234
Pinellas Park	$152	$217
Miami Beach	$157	$250
New Port Richey	$157	$239
Riverview	$158	$260
North Miami Beach	$159	$262
Orlando	$161	$239
Kissimmee	$162	$234
Homestead	$165	$251
Fort Lauderdale	$172	$246
Hollywood	$172	$244
Brandon	$173	$246
Holiday	$173	$271
Pompano Beach	$175	$241
West Palm Beach	$179	$245
Deerfield Beach	$181	$262
Lake Worth	$184	$260
Miami	$184	$272
Tampa	$187	$272
Delray Beach	$192	$264
Hialeah	$192	$268
Miami Gardens	$203	$315
Boynton Beach	$212	$278

Disclaimer: Table data sourced from real-time Florida car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Florida may vary based on the policy buyer's unique driver profile.

Car Insurance Requirements in Florida

April 16, 2026

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

Liability-Only Rates by Age Group

Category	Price
60	$136
70+	$139
50	$149
40	$163
30	$171
20	$196
18	$268

Full Coverage

Full-Coverage Rates by Age Group

Category	Price
60	$193
70+	$197
50	$211
40	$231
30	$242
20	$277
18	$380

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

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%

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Average Florida car insurance rates by credit tier
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 Tier
Average Monthly Liability-Only Quote
Average Monthly Full-Coverage Quote
Excellent $138 $215
Good $146 $229
Fair $158 $247
Poor $193 $301
Disclaimer: Table data is based on real-time Florida quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Credit Tier	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Excellent	$138	$215
Good	$146	$229
Fair	$158	$247
Poor	$193	$301

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.

What is the average annual cost of car insurance in Florida?
The average Florida driver pays about $2,117 per year for car insurance, but the average annual cost varies quite a bit. Full coverage is $2,611 per year, while state-minimum coverage runs $1,623 per year. Keep in mind these are just average annual costs, and your actual rates may vary.
What is the cheapest car insurance company in Florida?
Progressive typically offers the lowest rates in Florida, with a liability average of $95 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.
How much is car insurance per month in Florida?
Florida car insurance costs an average of $176 per month. Drivers pay about $218 for full coverage and $135 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.
What are the best auto insurance companies in Florida?
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.
What are the car insurance requirements in Florida?
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.

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."

Methodology

Insurify data scientists analyzed more than 190 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

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to: