CarInsurance.com Insights
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Florida.
- The average annual cost of a full coverage policy in Florida with liability limits of 100/300/100 is $3,916 or $326 per month.
- Minimum liability coverage in Florida costs around $1,763 per year, based on CarInsurance.com’s data analysis.
When it comes to estimating the cost of car insurance in Florida, personal factors like your age, driving record, ZIP code and the type of vehicle you own or drive matter.
CarInsurance.com’s car insurance rate calculator takes basic details into account to give you a rate estimate in Florida at three different coverage levels – full coverage (with limits of 100/300/100), liability only (with limits of 50/100/50) and the state minimum. See your average insurance rates in the calculator below.
Car insurance calculator Florida: How to get auto insurance estimates
CarInsurance.com editors recommend comparing quotes from at least three different car insurance companies when your policy is up for renewal. You can use online quoting tools to find car insurance estimates.
Every insurance company uses its own unique rating system, meaning they assess factors like age or driving history differently. For example, if you get a ticket, one insurer might raise your premium by 5%, while another could increase it by 20%.
What factors affect car insurance estimates in Florida?
Insurance costs vary a lot from state to state, mainly due to different laws. Some states follow tort insurance law, while others use “no-fault” insurance law. In states with tort law, the driver who caused the accident is responsible for paying for the damages. This often leads to legal disputes to figure out who is at fault and how much they should pay.
On the other hand, no-fault insurance laws in some U.S. states simplify the process by requiring each driver’s insurance to pay for their own injuries, no matter who is at fault for the accident.
Learn more: The 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Florida by car model
Whenever you’re in the market for a new vehicle, it’s important to get car insurance quotes to include that expense in your overall budget. If affordability is your priority, vehicles with smaller engines and enhanced safety features tend to have lower insurance costs. On the other hand, sports cars and luxury vehicles come with higher insurance premiums.
| Vehicle type | Average annual rates |
|---|---|
| Electric | $4,026 |
| Hatchback | $3,319 |
| Hybrid | $3,428 |
| Luxury Car | $4,181 |
| Luxury SUV | $3,719 |
| Minivan | $3,275 |
| Performance Car | $4,719 |
| Performance SUV | $4,038 |
| Sedan | $3,710 |
| Sports Car | $3,931 |
| Station Wagon | $3,467 |
| SUV | $3,308 |
| Truck | $3,500 |
| Van | $3,303 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
Find out your estimated car insurance rates in Florida by using the calculator below based on your vehicle’s make and model.
Insurance rates by car model
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Florida car insurance estimates for used cars
Car insurance estimates for used cars in Florida are typically lower than new vehicles. Insurance rates can vary based on the car’s age, make, model and driving history. It’s important to compare quotes from multiple insurers to find the most affordable coverage for your used car in Florida.
Use the calculator below to determine your car insurance rates for used cars in Florida, depending on your vehicle’s make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple steps
FAQ: How to estimate car insurance rates before buying a car in Florida
How much auto insurance do I need in Florida?
The amount of car insurance you need depends on various factors, including your financial situation, the value of your vehicle, and your risk tolerance. If your car is leased or financed, your lender may require comprehensive and collision coverage when paired with liability, this is known as full coverage.
Each state has different minimum insurance requirements, including Florida. But keep in mind that minimums are merely that – and are rarely enough financial protection in the event of a serious car accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $10,000 per person, $20,000 per accident |
| Minimum property damage liability | $10,000 per accident |
How much does car insurance cost in Florida per month?
The monthly cost of full coverage car insurance in Florida, including collision, comprehensive, and 100/300/100 liability, is $326 . For state minimum liability, it’s $147 per month, while liability coverage with 50/100/50 limits costs $193 monthly.
Does your age impact how much you pay for insurance in Florida?
In Florida, young drivers often pay higher car insurance premiums because they have less driving experience and are statistically more prone to accidents. Insurance providers take this data into account when determining the risk, which results in higher rates for younger drivers.
Young drivers are also more likely to participate in risky activities such as speeding and distracted driving, which affects car insurance premiums.
Calculate car insurance rates in your neighboring states
Resources & Methodology
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 Read the detailed methodology for more information.
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