How much is car insurance in Florida?

The average cost of car insurance in Florida is $2,694 annually for full coverage. However, these rates vary considerably based on factors like age, coverage levels, driving record and the make and model of the vehicle.

For example, younger drivers and males pay higher insurance rates, as do drivers with poor driving records.

Florida drivers who only want to carry the minimum car insurance can expect to pay an average of $993. However, collision and comprehensive coverages aren't included, so any damage to your vehicle in an at-fault accident would be paid out of pocket.

"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.

Average annual premium$2,694
Average monthly premium$225
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Florida car insurance rates by company

Every car insurance company sets car insurance rates differently. Some focus more on age, while others pay closer attention to driving records. That's why car insurance rates in Florida can differ greatly from one company to another.

The table below compares average Florida car insurance rates from top-rated companies for different coverage levels. On average, Geico is the cheapest car insurance company in Florida.

CompanyState minimumLiability-onlyFull coverage
Geico$561$1,238$2,214
State Farm$647$1,170$2,119
Travelers$715$1,150$2,356
Nationwide$841$1,384$2,150
Farmers$925$1,716$3,261
Mercury Insurance$1,020$2,007$3,358
Allstate$1,084$1,835$3,569
National General$1,166$1,912$3,103
Progressive$1,383$2,045$2,902
UAIC$1,702$2,150$2,796
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Florida car insurance costs by coverage level

Generally, Florida minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.

Compare Florida car insurance costs based on coverage level below.

State minimum car insurance$993
Liability-only car insurance$1,629
Full coverage car insurance$2,694
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Florida car insurance by driver profile

Car insurance companies use your driving record to help determine rates since it indicates how likely you are to file a claim. Drivers with DUIs, multiple accidents or a history of reckless driving have significantly higher insurance rates.

In most states, your credit history also affects how much you pay for car insurance. Studies show that drivers with lower credit scores are more likely to file a claim instead of paying for damages themselves.

In Florida, drivers with Bad Credit pay the highest rates. This table shows average car insurance rates in Florida for other driver profiles.;

Profile groupsAverage annual premiumAnnual premium for profile$ Increase% Increase
At-fault accident$2,694$3,996$1,30248%
Bad credit$2,694$5,818$3,124116%
Careless driving$2,694$3,245$55120%
Claims$2,694$2,975$28110%
DUI$2,694$4,247$1,55358%
Reckless driving$2,694$4,487$1,79367%
Speeding$2,694$3,545$85132%
Texting ticket$2,694$3,173$47918%
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Florida car insurance rates by age group

Age has a big effect on car insurance rates. In Florida, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.

The table below shows the average car insurance rates in Florida based on age.

Age groupFull coverage car insurance
Teens (16-19)$7,264
Young Adults (20-24)$4,090
Adults (25-60)$2,716
Seniors (65-75)$2,636
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How much does car insurance cost in Florida per month?

The average monthly cost of Florida car insurance varies based on the amount of coverage you choose. While the minimum required car insurance is the cheapest, full coverage offers more protection at a higher rate.

Coverage levelAverage monthly premium
State Minimum BI/PD$83
Liability Only - 50/100/50 BI/PD$136
Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll$224
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Florida car insurance discounts

Which car insurance discounts are available and how much savings drivers can expect depend on the state and the company. So, savings may vary considerably from company to company in Florida.

Check out the available car insurance discounts in Florida below and see how much you can save on average.

Discount type Premium before discount Premium after discount $ Saving 
Air Bags$1,895$1,845$50
Anti-Theft Device$1,895$1,885$10
Days Advanced Purchase$1,895$1,796$99
Education$1,895$1,807$88
Electronic Funds Transfer$1,895$1,837$58
Electronic Signature$1,895$1,707$188
Homeowner$1,895$1,801$94
Lower Annual Mileage$1,895$1,781$114
Loyalty - Years Renewal With Company$1,895$1,755$140
Marital Status$1,895$1,781$114
Multi Policy$1,895$1,746$149
Paperless/Electornic Documents$1,895$1,840$55
Payment Type$1,895$1,699$196
Primary Use$1,895$1,754$141
Profession$1,895$1,587$308
Purchase Status$1,895$1,792$103
Safety Devices$1,895$1,840$55
Telematics$1,895$1,702$193
Years Insured$1,895$1,472$423
Years Licensed$1,895$1,488$407
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Car insurance requirements in Florida

Florida requires a minimum amount of car insurance, including:

  • 10/20/10 in liability coverage to pay for bodily injuries and property damages you cause in an accident.

Remember, the minimum coverage required by Florida law is just that - the minimum. Experts recommend increasing limits and adding coverage, such as collision and comprehensive, to protect yourself better. By ensuring you have adequate coverage, you can have peace of mind on the road.

State minimum requirements10/20/10
State minimum car insurance$993
Liability-only car insurance$1,629
Full coverage car insurance$2,694
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Car insurance rates in Florida by model year

The vehicle you drive also affects Florida car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.

See how the model and age of the vehicle affect Florida car insurance rates below.

L O A D I N G
CompanyStyleAverage annual premium
State Farm2WD 4 Door Sedan Automatic Turbo$1,817
Nationwide2WD 4 Door Sedan Automatic Turbo$2,293
Geico2WD 4 Door Sedan Automatic Turbo$2,484
Progressive2WD 4 Door Sedan Automatic Turbo$2,533
Allstate2WD 4 Door Sedan Automatic Turbo$4,020
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Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.

We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Florida to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.

Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.

Compare Florida car insurance rates with other states

Alabama
$1,860 /year
Alaska
$1,676 /year
Arizona
$1,812 /year
Arkansas
$1,957 /year
California
$2,416 /year
Colorado
$2,337 /year
Connecticut
$1,725 /year
Delaware
$2,063 /year
Georgia
$1,970 /year
Hawaii
$1,517 /year
Idaho
$1,428 /year
Illinois
$1,532 /year
Indiana
$1,515 /year
Iowa
$1,630 /year
Kansas
$1,900 /year
Kentucky
$2,228 /year
Louisiana
$2,883 /year
Maine
$1,175 /year
Maryland
$1,746 /year
Massachusetts
$1,726 /year
Michigan
$2,266 /year
Minnesota
$1,911 /year
Mississippi
$2,008 /year
Missouri
$1,982 /year
Montana
$2,193 /year
Nebraska
$1,902 /year
Nevada
$2,060 /year
New Hampshire
$1,265 /year
New Jersey
$1,902 /year
New Mexico
$2,049 /year
New York
$1,870 /year
North Carolina
$1,741 /year
North Dakota
$1,665 /year
Ohio
$1,417 /year
Oklahoma
$2,138 /year
Oregon
$1,678 /year
Pennsylvania
$1,872 /year
Rhode Island
$2,061 /year
South Carolina
$2,009 /year
South Dakota
$2,280 /year
Tennessee
$1,677 /year
Texas
$2,043 /year
Utah
$1,825 /year
Vermont
$1,319 /year
Virginia
$1,469 /year
Washington
$1,608 /year
Washington, D.C.
$2,157 /year
West Virginia
$2,005 /year
Wisconsin
$1,664 /year
Wyoming
$1,758 /year
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