Cheapest Auto Insurance in Florida (2025)

Florida drivers have long faced some of the nation’s most expensive car insurance rates. Full-coverage rates have increased 42% since 2021, and Florida drivers pay 26% more than the national average rate, Insurify data shows.

Insurers are feeling the bite as well. For every $100 insurers collected in premiums from 2017 through 2023, they paid out $74.50.^[6] But while lower margins and higher premiums have dampened the insurance market in the Sunshine State, things are now looking up.

Florida drivers pay an average of $2,912 per year for car insurance, according to Insurify’s auto insurance report. But premiums have dropped 8% in the first half of 2025.

For years, Florida’s extremely high rate of insurance claims litigation, especially regarding auto glass repairs, helped spur higher rates. But legislative changes that prohibit assignment of benefits to repair shops seem to have dramatically reduced insurance-related litigation.^[7]

Yet Florida’s insurance market still faces familiar threats, including the rising cost of auto repairs, an above-average rate of uninsured drivers, and destructive hurricanes, all of which can negatively affect insurers and policyholders alike.

Key findings

• Tampa and Miami are the most expensive cities in Florida for car insurance. The average annual cost of full-coverage car insurance is $3,861 in Tampa and $3,796 in Miami.

• The Tesla Model 3 and Model Y are the most expensive cars to insure in Florida. Electric vehicles (EVs) cost 66% more to insure than gas-powered cars in Florida. The average annual premium is $5,283 for EVs and $3,189 for similar gas-powered models.

• Many New York residents move to Florida, and drivers could save money on car insurance in the process. The average annual cost of full-coverage car insurance in New York is $3,724, versus $2,912 in Florida.

Since 2021, Florida has seen a 42% spike in full-coverage rates

Like the rest of the country, Florida saw significant car insurance cost increases post-pandemic. Insurers raced to align pricing with risk following a surge in dangerous driving behavior, which caused an uptick in expensive claims, and supply chain disruptions that led to shortages and higher costs.^[8] Inflation caused consumer prices for motor vehicle parts to soar from 2021 through 2022, increasing what insurers have to pay out for each claim.^[9]

Insurers often pass increased claims costs along to drivers in the form of higher premiums. Any risk trend that influences the cost or frequency of insurance claims can also affect rates.

Florida also has one of the highest rates of uninsured motorists, according to an Insurance Research Council analysis from 2017 to 2023.^[10] More than 20% of registered vehicles in Florida are uninsured. The national average during that period was 13.7%.

Uninsured drivers can drive up rates by increasing insurers’ financial risk and reducing the pool of drivers paying for insurance. When an uninsured driver causes an accident, the insurance company has to cover its policyholder’s claim, even though they weren’t to blame.

Climate risk also influences full-coverage car insurance rates because comprehensive coverage protects against weather damage. Drivers filed 42,951 claims after Hurricane Milton and 62,578 after Hurricane Helene in 2024, according to the Florida Office of Insurance Regulation.^[11]

Auto insurance fraud once significantly influenced Florida car insurance costs, but recent legislation may be changing that. In 2023, Florida banned the assignment of vehicle glass benefits, preventing drivers from assigning their claims to auto glass companies or repair shops.

Insurance claim lawsuits declined by 500% year over year in 2024, leading many insurers to decrease or maintain their rates, according to the Insurance Information Institute.^[12]

This reform helped curb insurer losses. In 2024, Florida auto insurers paid $57.46 for every $100 collected in premiums, a significant improvement from the $74.50 five-year average.^[13]

But if tariffs do significantly affect the cost of auto parts, Florida car insurance premiums may eventually go up to reflect subsequent higher claims costs.

Tariffs passed in April have already increased the consumer price index for motor vehicle parts and equipment, according to the U.S. Bureau of Labor Statistics. Still, Florida drivers are unlikely to see the kind of double-digit increases that hit rates the last few years.

Tampa, Miami are most expensive Florida cities for car insurance

Drivers in Tampa and Miami pay the most for full-coverage car insurance, on average, according to Insurify data. Tampa is the most expensive city for car insurance, where drivers pay an average of $3,861 per year for full coverage, according to Insurify data. But Miami is a close second, with an annual average full-coverage insurance premium of $3,796.

They’re also the most densely populated cities in Florida, though Miami has a higher density than Tampa, according to the U.S. Census Bureau. Car insurance often costs more in cities because urban areas have higher rates of vehicle theft and vandalism.

The counties home to each of the five most expensive cities for car insurance all had an above-average vehicle theft rate per 100,000 people in 2023, according to the Florida Department of Health.^[14] Orange, Leon, Hillsborough, and Miami-Dade counties, home to Orlando, Tallahassee, Tampa, and Miami, respectively, had theft rates in the highest quarter. Duval County, home to Jacksonville, came in just below that.

More cars being on the road also increases the likelihood of accidents. Of the counties with the five most expensive cities for car insurance, Duval and Miami-Dade counties have the highest crash rates per 100,000 people, according to an analysis of data from the U.S. Census Bureau and Florida’s 2023 Traffic Crash Facts report.

For city drivers, the location where they officially “garage” their cars can affect rates, too. For example, insurers may consider living on a busy street riskier than a quieter neighborhood or having the option to park in a garage.

Tesla Model 3 and Model Y are most expensive models to insure

Two EVs top the list of the most expensive vehicles to insure in Florida, according to Insuify data. Florida drivers pay an annual average of $4,971 per year to insure a Tesla Model 3 and $4,704 to insure a Model Y.

EVs are often more expensive to insure: In Florida, the average annual cost of full-coverage for an EV is $5,283, which is 66% higher than the cost of insuring a gas-powered car, according to Insurify’s EV report. EVs’ larger batteries and numerous sensors make them more expensive to repair and replace, which can increase claims costs and insurer risk.

The Nissan Altima, Kia Optima, and Chevrolet Tahoe are the most expensive non-electric vehicles to insure in Florida, Insurify data shows. Numerous factors besides a car’s model influence car insurance rates, from local crash and weather risk to someone’s unique driver profile.

But a vehicle’s value, age, size, and claims frequency can all affect insurance costs. For example, a heavier car like the Tahoe may do more damage in accidents and have a higher liability risk. And, in 2024, the Optima was the fifth most stolen car in the U.S., according to the National Insurance Crime Bureau.^[15]

Vehicles on the cheaper side to insure in Florida include the Ford Escape, Ford Ranger, and Nissan Murano. Even new Escape models have a below-average sale price, according to Kelley Blue Book, making them less expensive to replace. And Muranos have above-average reliability ratings from the National Highway Traffic Safety Administration and lower-than-average repair costs, which can reduce insurer risk.

New Yorkers could save on auto insurance by moving to Florida

While car insurance rates are high in Florida, they’re still well below those found in some other states. Some Northeast drivers hoping to escape the winters and head to Florida may end up paying more for car insurance, but New York drivers could end up paying less.

New York has the second-highest average cost of car insurance in the U.S., Insurify data shows. Drivers could save more than $800 on average on their car insurance by moving to Florida. Both states have no-fault insurance systems, so drivers have to pay for personal injury protection (PIP) as well as liability coverage. But New York has higher PIP requirements — $50,000 in New York versus $10,000 in Florida — which makes for higher premiums.

New Jersey drivers pay less on average than Florida drivers for full-coverage car insurance, so anyone moving from the Shore may see higher rates in Florida depending on where they settle. Drivers in other large states, like Texas and California, may see similar, moderate cost increases.

At the end of the day, individual factors like age and driving record will significantly influence car insurance premiums, not just a driver’s home state. Keep reading for tips on how to get cheap car insurance in Florida and find insurance companies that feel like a good fit.

Report methodology

Insurify’s team of data scientists examined more than 97 million quotes in its proprietary database, quoted via integrations with partnering insurance companies, to determine average car insurance rates. Rates reflect the average annual cost of a full-coverage car insurance policy (up to $50,000 in bodily injury liability coverage per person and $100,000 per accident, a $50,000 property damage limit, and a $1,000 deductible for both comprehensive and collision coverage). To compare EVs with gas-powered cars, Insurify analyzed rates for cars with a model year of 2020 or later.

Sources

• R Street. "2024 Insurance Regulation Report Card."

• Litigation Reform Works: Florida Auto Insurance Premium Rates Declining. "Insurance Information Institute."

• National Highway Traffic Safety Administration. "Early Estimate of Motor Vehicle Traffic Fatalities in 2024."

• U.S. Bureau of Labor Statistics. "Consumer Price Index for All Urban Consumers: Motor Vehicle Parts and Equipment in U.S. City Average."

• Insurance Research Council. "Facts + Statistics: Uninsured motorists."

• Florida Office of Insurance Regulation. "Catastrophe Claims Data and Reporting."

• Insurance Information Institute. "Florida’s P/C Market Stabilizing Due to Legislative Reforms that Curbed Legal System Abuse Practices of Billboard Attorneys."

• National Association of Insurance Commissioners. "2024 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide."

• Florida Department of Health. "FL Health Charts: Motor Vehicle Traffic Crashes."

• National Insurance Crime Bureau. "Vehicle Thefts in United States Fell 17% in 2024."