Why Is Car Insurance So Expensive in Florida? (2025)

Florida has the fifth-highest car insurance rates in the U.S., according to Insurify data. Sunshine State drivers pay average rates of $150 per month for liability-only coverage and $230 for full coverage. The state saw an average premium increase of 9% from 2023 to 2024.

Looking ahead, premiums are expected to rise by 10% in 2025. Understanding what’s driving this upward trend and some basic factors that influence your car insurance rates can make it easier for you to find affordable coverage. Here’s what you need to know.

How Florida car insurance rates have increased

Car insurance premiums have increased by 24% over the past two years nationwide, going from $2,483 in February 2023 to $3,077 in January 2025, according to Insurify’s auto report. That said, current rates are down from a two-year high of $3,253 in August 2024. Here’s a quick look at the recent trend:

Factors in Florida causing higher car insurance rates

Several factors contribute to the Sunshine State’s above-average insurance premiums. Some of the most impactful ones include the state’s no-fault insurance system, extreme weather, a high uninsured driver rate, population density, and inflation.

Here’s a quick look at the details of each.

No-fault system

Florida’s no-fault insurance law requires drivers to maintain personal injury protection (PIP), which increases your policy’s premium. Unfortunately, fraudsters often exploit PIP coverage, leading insurance companies to increase their rates to compensate for losses.

No-fault systems require each driver to file a claim with their insurer, regardless of who’s at fault in the accident. But if disputes arise, litigation may be necessary, and legal costs can be incredibly high in Florida.^[1]

Extreme weather

The state’s unique weather challenges also affect Florida car insurance rates. In recent years, hurricanes and tropical storms have battered the Sunshine State.

While those natural disasters primarily affect home insurance, comprehensive claims also affect auto insurers considerably. To compensate for the added risk, insurance companies typically increase premiums.

Uninsured motorist rate

The state has a high uninsured driver rate — nearly 16% of Florida drivers are uninsured, higher than the national average of 14%.^[2] This results in higher payouts for bodily injury and property damage claims involving uninsured drivers, leading to higher Florida car insurance rates.

Because the rate of uninsured drivers is so high, you’ll likely want to purchase uninsured motorist coverage, which provides coverage for your medical bills and property damage after an uninsured driver causes an accident. But that will also increase your rates.

Population density

Florida has the third-highest population of any state, not to mention the eighth-highest population density.^[3] With more vehicles on the road, you can generally expect more accidents and higher claims figures, both of which result in higher insurance rates across the board for Florida drivers.

Inflation

Both new- and used-car prices have increased significantly since 2020. Additionally, repair costs and healthcare expenses increased faster than general inflation during that time. These factors have resulted in rising car insurance rates nationwide, but they’re more keenly felt in states with already high premiums, including Florida.

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Factors that affect your car insurance premium

In addition to environmental and economic factors, car insurance companies also consider a variety of other elements to determine your rates. Here’s a look at some of the top factors and how your rates can vary based on your situation.

Age

Older drivers tend to get into fewer accidents and generally pay lower premiums. Drivers younger than 25 — particularly teenagers — pay the highest rates, partly because they’re more likely to get in fatal accidents.^{[4] [5]}

The table below shows how age affects premiums for Florida drivers.

Age	Average Quote: Liability Only	Average Quote: Full Coverage
Teens	$258	$403
20–29	$191	$299
30–39	$162	$254
40–49	$153	$239
50–59	$137	$214
60–69	$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.

Location

People in certain ZIP codes have more accidents, theft, and vandalism than others. As a result, you’ll generally pay more for coverage if you live in an urban area compared to a rural area.

In Florida, for instance, drivers who live in Miami and Tampa tend to pay the highest rates, while people in Ocala and Lakeland pay some of the lowest.

Here’s a summary of average rates for both liability only and full coverage in various cities across the Sunshine State:

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT. 

City	Average Quote: Liability Only	Average Quote: Full Coverage
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.

Driving record

While many factors that insurers consider are outside of your control, your driving record is a major exception. A history of safe driving habits can help secure lower monthly premiums.

In particular, insurers pay attention to accidents and traffic violations on your driving record. Whether it’s a speeding ticket, a fender bender, or a more serious infraction, such as driving under the influence, you’ll pay more for coverage than someone with a clean record.

Make and model of your car

Some vehicles are more expensive to repair or replace than others, making them more expensive to insure. What’s more, some models may be more susceptible to theft. Other factors can include the model’s safety features and engine size.

Here are the most popular models in Florida and the average cost to insure them:

Model	Average Rate for Full Coverage
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.

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How to lower your car insurance rate in Florida

Finding the best rate in Florida can be difficult. Although you’ll still pay more for coverage compared to drivers in other states, you can do several things to maximize your savings on an insurance policy:

• 

  Shop around

  Obtain quotes from a minimum of three insurance companies to compare rates, coverage options, discounts, and other features.

• 

  Get the right amount of coverage

  Review your current policy to determine if you’re spending money on unnecessary coverage.

• 

  Adjust your deductible

  While a low deductible reduces your out-of-pocket costs in the event of a claim, it also increases your monthly rate. If you have sufficient savings and can pay a higher deductible out of pocket, consider raising it to cut monthly premiums.

• 

  Improve your credit

  Florida is one of many states that allow auto insurers to calculate a credit-based insurance score to help determine your rates. Taking steps to improve your credit can potentially help you secure better rates.

Why car insurance is so expensive in Florida FAQs