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How Much Does Insurance Cost In Florida?
Florida is among the most expensive states for auto insurance. According to estimates from Quadrant Information Services, Florida drivers pay $115 month or $1,385 per year on average for minimum-coverage auto insurance. This is more than twice the national average for minimum coverage, which is $52 per month or $627 per year.
When it comes to full-coverage car insurance, drivers in the Sunshine State pay an average of $270 per month or $3,244 per year. This is around 62% more expensive than the national average cost of $167 per month or $2,008 per year.
Florida Minimum Car Insurance Requirements
Drivers in the Sunshine State are required to carry at least:
- $10,000 in personal injury protection (PIP)
- $10,000 in property damage liability insurance
Florida is a no-fault state, which means that regardless of who causes a car accident, each driver’s insurance covers medical expenses for them and their passengers. Florida is one of the few states that does not require bodily injury liability coverage.
It’s important to note that property damage liability coverage only pays for damage to another person’s vehicle. For that reason, many Florida drivers choose to purchase full-coverage policies that include both collision coverage and comprehensive protection.
Collision insurance pays for damage to your vehicle from an accident you cause, while comprehensive coverage protects your car against damage from natural disasters, theft and vandalism.
Affordable Florida Car Insurance
Compared to other states, which you compare in our car insurance rates by state article, car insurance in Florida is generally quite expensive, some providers offer lower rates on average than others. The following cost averages are for 35-year-old Florida motorists with clean driving records and good credit, unless noted otherwise.
Cheapest Minimum-Liability Coverage in Florida
State Farm, Geico and Travelers tend to offer the most affordable minimum-liability auto insurance policies in Florida.
| Florida Car Insurance Provider | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| State Farm | $54 | $650 |
| Geico | $57 | $682 |
| Travelers | $85 | $1,019 |
| American International | $97 | $1,162 |
| National General | $118 | $1,418 |
Cheapest Full-Coverage Car Insurance in Florida
State Farm, Geico and Travelers also feature the lowest full-coverage car insurance rates in Florida. However, even the cheapest full-coverage options in the state cost more than the national average.
| Florida Car Insurance Provider | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| State Farm | $151 | $1,813 |
| Geico | $171 | $2,057 |
| Travelers | $177 | $2,121 |
| Progressive | $266 | $3,196 |
| Farmers | $372 | $4,464 |
Florida Car Insurance Cost by City
The city you live in has a significant impact on how much you pay for car insurance. Here’s a look at average rates for full-coverage car insurance in Florida cities of various sizes. These rates are for 35-year-old drivers with good credit and clean driving records — from Geico, State Farm and Travelers.
| City | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Cape Coral | $128 | $1,537 |
| Sanford | $141 | $1,692 |
| Jacksonville | $148 | $1,781 |
| Apopka | $154 | $1,846 |
| Orlando | $171 | $2,049 |
| Tampa | $194 | $2,329 |
| Fort Lauderdale | $208 | $2,500 |
| Miami | $216 | $2,593 |
*Cost data based off 2022 information
Florida Car Insurance Cost: Drivers With Violations
Floridians with an accident, speeding violation or a driving under the influence (DUI) conviction on their driving record pay significantly higher insurance rates than those with clean driving histories.
Cheapest Car Insurance for Florida Drivers With One Speeding Ticket
The following average rates are for drivers with a speeding violation of 16-20 miles per hour over the limit. State Farm tends to offer the cheapest full-coverage insurance for drivers in this situation.
| Florida Car Insurance Provider | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| State Farm | $162 | $1,939 |
| Travelers | $218 | $2,613 |
| Geico | $297 | $3,562 |
| Allstate | $309 | $3,712 |
| Progressive | $346 | $4,156 |
Cheapest Car Insurance for Florida Drivers With a Single-Vehicle Accident
State Farm also offers the cheapest full coverage for Florida drivers with one single-vehicle accident on their record. Geico and Travelers aren’t far behind, but rates climb steadily from there.
| Florida Car Insurance Provider | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| State Farm | $173 | $2,075 |
| Travelers | $235 | $2,820 |
| Geico | $245 | $2,942 |
| Progressive | $384 | $4,608 |
| National General | $398 | $4,781 |
Cheapest Car Insurance for Florida Drivers With a DUI
State Farm offers comparatively cheap car insurance for Florida drivers with a DUI on their records. The company’s rates for these high-risk drivers are well below those of the other providers on this list.
| Florida Car Insurance Provider | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| State Farm | $162 | $1,939 |
| Travelers | $249 | $2,986 |
| Progressive | $299 | $3,593 |
| Geico | $308 | $3,693 |
| Farmers | $401 | $4,815 |
Factors That Determine Car Insurance Costs
Along with your driving record, a range of criteria affect how much you pay for car insurance.
These are some of the key metrics insurance companies use to set coverage rates:
- Age: Teen drivers and young adults pay higher rates than older drivers.
- Gender: The gender listed on your driver’s license affects insurance costs. Male drivers typically pay higher rates than female drivers.
- Location: The population density and number of insurance claims where you live affect car insurance premiums. For example, insurance premiums might be higher in cities like Miami or Tampa as compared with rates in more rural locations.
- Vehicle type: The type of vehicle you drive and its value have major impacts on auto insurance premiums.
- Marital status: Married drivers usually pay less for auto coverage than their single peers.
- Credit history: Auto insurance companies look at your credit score as a sign of your financial responsibility. Those with high credit scores pay lower rates on average, while those with poor credit pay higher average premiums.
How To Save Money on Car Insurance
Comparing quotes from multiple providers is one of the best ways to find cheap car insurance, but it’s not the only way to save money on auto coverage.
The following strategies can help you bring your car insurance costs down:
- Consider local providers: The largest auto insurers might not be the best options for you. A smaller company with local agents may be the right fit for your needs.
- Ask about discounts: Most providers offer car insurance discounts to help you save money on premiums. Some common discounts are for insuring multiple vehicles, bundling policies, having a good student on your policy and being a safe driver.
- Increase your deductible: Boosting your deductible leads to lower car insurance premiums, but having a higher deductible means you’re responsible for more out-of-pocket expenses if you file a claim.
- Take a defensive driving course: Many auto insurers offer discounted rates to those who complete driver safety courses. Even if you have a clean driving history, completing a defensive driving course could help you earn significant savings.
- Drop unnecessary coverage: If you don’t have an auto loan or lease and are driving an older car, having comprehensive and collision coverage may not make sense. Review your coverage to make sure you aren’t paying for protection you don’t need.
Florida Average Cost of Car Insurance: The Bottom Line
Florida drivers pay higher car insurance premiums than the nationwide average. The state’s minimum-liability requirements are also quite low, which means drivers in the state may want to consider purchasing full-coverage policies that include both collision and comprehensive coverage to ensure they’re fully protected.
Top Auto Insurance Recommendations
Comparing car insurance quotes is the best way to find quality coverage and the most affordable rates to fit your Florida auto insurance needs. We recommend checking out State Farm and Geico to begin your search.
State Farm: Best Customer Experience
Our review team gave State Farm our Best Customer Experience award for its combination of coverage options, affordable rates and excellent industry reputation. In addition to standard auto coverage choices, the company offers extras such as rideshare insurance, uninsured motorist coverage and trip interruption benefits for when you have a covered breakdown far from home.
State Farm’s telematics insurance program, known as , monitors your driving behaviors through a mobile app. Safe habits like slow acceleration and gradual braking can save you up to 30% when you renew your policy.
Keep reading: State Farm insurance review
Geico: Best for Budget-Conscious Drivers
Geico earns our recommendation by offering affordable car insurance across the board and maintaining a reputation for strong customer service. The company features higher coverage limits than many of its competitors as well.
Geico is also known for its wide variety of available discounts, including those for bundling, safe drivers, military members, federal employees and more. The company’s usage-based program, DriveEasy™, can save you up to 10% at policy renewal.
Keep reading: Geico insurance review
Compare: State Farm vs. Geico
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Average Cost of Car Insurance in Florida: FAQ
Below are frequently asked questions about the average cost of car insurance in Florida.
The average monthly cost of car insurance in Florida is $115 for minimum-liability coverage and $270 for full coverage. Florida car insurance rates are well above the national averages of $1,385 for minimum coverage and $3,244 or a full-coverage policy.
No. The state only requires $10,000 in both personal injury protection and property damage liability coverage. A “100/300” plan would cover $100,000 per person for bodily injury and $300,000 for injuries per accident. That would provide extra protection but go well beyond Florida car insurance requirements.
According to Quadrant Information Services, 25-year-old Florida drivers with clean records pay an average of $302 per month or $3,624 per year for a full-coverage auto policy. Young drivers typically pay more for coverage, but costs begin to level out as drivers age and gain more experience.
To meet the state’s minimum liability insurance requirements, you need to have at least $10,000 in both personal injury protection (PIP) and property damage liability insurance. To avoid any penalties associated with being underinsured or operating a car as an uninsured driver, make sure you meet these limits.
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
Our credentials:
- 800 hours researched
- 45 companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
If you have questions about this page, please reach out to our editors at editors@marketwatchguides.com.
