Average Car Insurance Cost in Florida (2023)

Drivers in Florida pay $349/mo. on average for liability-only car insurance coverage.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

Courtney Mikulski
Edited byCourtney Mikulski
Courtney Mikulski
Courtney MikulskiSenior Editor

Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 

Anuj Desai
Reviewed byAnuj Desai
Anuj Desai
Anuj DesaiDigital Insurance Agent

A full-time home and auto insurance agent with Insurify, Anuj has more than 20 years of experience in the insurance and financial services space. Prior to joining Insurify in 2022, he was with insurance company Root Inc. His career also includes work with MetLife, Allstate, MassMutual, and New York Life. He lives in Ohio, and enjoys hiking, camping, and playing chess. Anuj holds a bachelor's degree in economics from Wright State University.

Updated April 7, 2023

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The cost of car insurance can vary based on your age, driving history, type of policy, location, and more.[1] In a state like Florida, that may mean paying even more for coverage. The average car insurance cost in Florida is $349 per month for liability-only coverage, while the average cost for a full-coverage policy is $461 per month, according to Insurify data. This is one of the most expensive states for car insurance. Here’s what you should know about the costs and nuances of getting car insurance in the Sunshine State.

Quick Facts
  • Florida has some of the highest rates for car insurance in the country.

  • Gainesville has the cheapest rates for car insurance in Florida, at $278 per month for full coverage.

  • State Farm offers the cheapest insurance policies in Florida, at $128 per month for full coverage.

What’s the average cost of car insurance in Florida?

The average car insurance cost in Florida for liability-only insurance is $349 per month, and full coverage goes up to $461 per month. What you end up paying for auto insurance coverage in Florida will also depend on your specific location, as costs vary from city to city.[1]

Your car insurance costs depend on many factors, including the type of policy and coverage you get. Liability coverage is generally the minimum required, whereas full coverage is a combination of liability, collision, and comprehensive and has added protections for you and others.

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Average Florida car insurance rates by city

Car insurance costs in Florida can vary by city and ZIP code. For example, some cities may have a higher population density, a higher crime rate, or more instances of theft and vandalism that can affect rates. Also, whether you have access to a garage or need to park your car on a busy street can affect your costs.[1]

Gainesville has the lowest premium costs for both liability-only and full-coverage insurance. The highest rates in Florida are in Tampa, with liability coverage at an average cost of $557 per month and full coverage at an average cost of $634 per month.

The table below shows the average costs of car insurance in Florida, by city.

CityAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Boca Raton$600$480
Cape Coral$430$270
Clearwater$432$317
Delray Beach$603$491
Fort Lauderdale$544$422
Fort Myers$425$283
Gainesville$278$224
Hollywood$561$389
Jacksonville$471$354
Miami$569$454
Naples$405$286
Orlando$485$397
Pensacola$336$251
Tallahassee$308$277
Tampa$634$557
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 Florida car insurance rates by insurance company

Location is just one of the factors that play a role in determining car insurance rates. Car insurance premiums can also vary by company. Each company may have its own underwriting criteria, which assesses your level of risk as a driver and can influence rates.[2] To find the best rate, it pays to shop around. 

Choice is your friend. Make sure you are connected to a local independent agent that can review multiple options for your specific scenario,” says Shelby Tirado, director of operations at the Ponte Vedra Beach Agency of Brightway Insurance.

The table below shows the average cost of car insurance in Florida, by insurance company.

Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
State Farm$128$131
GEICO$132$134
Travelers$244$213
Safeco$275$228
Allstate$223$228
National General$335$228
Progressive$325$242
Direct Auto$284$276
Liberty Mutual$381$313
Midvale Home & Auto$380$323
Mercury$318$331
Dairyland$529$342
Bristol West$500$399
The General$1,038$485
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.

Average Florida car insurance rates by age

Age and experience go hand in hand, and the younger you are, the more risk you may pose to car insurers. Young drivers tend to engage in risky driving behaviors and have a higher risk of fatal accidents, according to the Centers for Disease Control and Prevention (CDC).[3] That means teenagers in Florida tend to pay the highest rates, with an average of $701 per month.

Drivers younger than 25 can get some savings, but rates are still relatively high, with an average of $505 per month. Rates begin to drop for drivers older than 25.

As drivers age, costs go up slightly: Drivers in their 70s pay an average cost of $337 per month, and drivers 80 or older pay $332 per month.

The table below shows the average cost of car insurance for Florida drivers, by age.

AgeAverage Monthly Quote
Teenagers$701
Younger than 25$505
25–29$414
30s$396
40s$369
50s$347
60s$326
70s$337
80+$332
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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Average Florida car insurance rates by gender

Gender is also a factor companies use in setting car insurance rates. Men tend to get into more accidents and have more instances of driving under the influence (DUI) than women.[1]

The table below shows the cost of Florida car insurance, based on gender.

GenderAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Men$480$344
Women$443$353
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 Florida car insurance rates by marital status

Your marital status may affect your car insurance rates. Married couples tend to insure their vehicles under one policy, resulting in a multi-car discount, which can lead to lower insurance premiums than single drivers. This holds true for liability-only coverage in Florida, where single drivers pay $61 more on average than married drivers.

However, Insurify data shows no difference between what married and single drivers pay on average for full-coverage insurance.

Marital StatusAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Married$461$291
Single$461$352
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 Florida car insurance rates by driving record

Your driving record greatly influences your car insurance rates. Insurers are assessing risk factors when determining premiums, so the more infractions, accidents, or moving violations you have, the more you’ll pay for car insurance.[1] Rates vary based on the severity of the incident as well as your chosen coverage.

Drivers with clean records can expect to pay an average of $349 per month for liability-only coverage and $461 per month for full-coverage insurance in Florida.

Common driving infractions will more than likely increase your rates. The table below shows Florida’s average cost of car insurance, based on driving record.

Quote Price by Driving Record

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 Florida car insurance rates by credit score

Your credit score isn’t just used in lending decisions but may also be used to determine a credit-based insurance score, which assesses your risk for filing a claim. But some states prohibit insurers from using credit scores to determine car insurance premiums. California, Hawaii, Maryland, Michigan, and Massachusetts don’t allow credit scores to affect rates, according to the National Association of Insurance Commissioners (NAIC). Other states are working on similar policies or have limits in place.[4]

Florida doesn’t prohibit companies from using credit scores, so your credit score may affect what you pay for auto insurance coverage. Drivers in Florida with poor credit pay an average of $541 per month for liability coverage and an average of $715 per month for full coverage.

The table below shows the average cost of Florida car insurance, by credit tier.

Quote Price by Credit Score

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.

Florida minimum car insurance requirements

Most states have specific minimum requirements for car insurance. Florida minimum car insurance requirements are:[5]

  • $10,000 for personal injury protection

  • $10,000 for property damage liability

Personal injury protection provides 80% of required medical expenses up to a total of $10,000 for qualified injuries, no matter who caused the accident. Property damage liability helps pay for expenses related to the damage caused to another driver’s vehicle.

To help protect against uninsured drivers, you may also consider getting uninsured motorist coverage.

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Florida car insurance FAQs

If you live in Florida and are shopping for car insurance, here are answers to some frequently asked questions.

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

    The average car insurance cost in Florida is $349 per month for liability coverage and $461 per month for full coverage. Your driving history, the insurer, type of coverage, and other factors affect your insurance rates.[1]

  • What factors affect car insurance costs in Florida?

    Car insurance rates in Florida may be determined by credit score, as well as driving history, city, gender, and age.[1] Costs also vary depending on the insurer, so it’s best to compare multiple options.

  • Do car insurance rates vary by county in Florida?

    Florida car insurance rates can differ based on the city or county you live in. For example, living in an area with more theft or crime can affect rates.[1] Gainesville has the lowest premiums, at $278 per month for full coverage, and Tampa has the highest premiums, at $634 per month for full coverage.

  • What are the best auto insurance companies in Florida?

    State Farm and GEICO offer the cheapest auto insurance coverage in Florida, based on Insurify’s data. However, the best car insurance company for you will depend on your personal situation and the coverage you want, which is why it’s important to shop around and compare quotes.

  • Is car insurance required in Florida?

    Florida does have minimum car insurance requirements for drivers, which include $10,000 for personal injury protection and $10,000 for property damage liability.[5]

Sources

  1. III. "What determines the price of an auto insurance policy?." Accessed March 27, 2023
  2. NAIC. "Auto Insuance." Accessed March 27, 2023
  3. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed March 27, 2023
  4. NAIC. "Credit-Based Insurance Scores." Accessed March 27, 2023
  5. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements." Accessed March 27, 2023
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor
Courtney Mikulski
Courtney MikulskiSenior Editor

Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 

Anuj Desai
Reviewed byAnuj DesaiDigital Insurance Agent
Anuj Desai
Anuj DesaiDigital Insurance Agent

A full-time home and auto insurance agent with Insurify, Anuj has more than 20 years of experience in the insurance and financial services space. Prior to joining Insurify in 2022, he was with insurance company Root Inc. His career also includes work with MetLife, Allstate, MassMutual, and New York Life. He lives in Ohio, and enjoys hiking, camping, and playing chess. Anuj holds a bachelor's degree in economics from Wright State University.