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, liability only and the state minimum. See your average insurance rates in the calculator below.

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Florida Car Insurance Calculator

Get an estimate for your car insurance costs based on your ZIP & driver profile.
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Why we ask?
Rates can vary from 54% less than the national average to 441% more for different ZIP codes.
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Are you currently insured?
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Do you own a car?
Why we ask?
* If you own a vehicle you can choose your coverages and limits. However, leasing and financing companies require you carry comprehensive and collision coverage, plus leased vehicles must carry higher liability limits.
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What is your age?
Why we ask?
* Car insurance rates vary by age. This helps us give you a better estimate. Estimates can vary from being 22% less than the national average to being 77% more than it, based on the age group.
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Are you a homeowner?
Why we ask?
* Being a homeowner may reduce your auto insurance rates, and if you bundle your auto and home policies with the same insurance company, you can save up to 12%.
YOUR ESTIMATED CAR INSURANCE PLANS
for ZIP , , Car , Age
Sorry we don't have the insurance rate for the ZIP code. Here is the insurance rate for your nearby ZIP .
State Minimum
---*/MO.
Bodily Injury
$25k/$50K
Property Damage
$15k
Collision
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Comprehensive
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BEST PRICE
Standard Liability
---*/MO.
Bodily Injury
$50k/$100K
Property Damage
$50k
Collision
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Comprehensive
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RECOMMENDED
BEST PROTECTION
79 percent of insured drivers preferred
Full Coverage
---*/MO.
Bodily Injury
$100k/$300K
Property Damage
$100k
Collision
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Comprehensive
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* In the table above for State Minimum Protection, we are showing only BI and PD for minimum requirements but that the rate shown in State Minimum Protection includes all coverage your state requires. You can find more details about your state here at Minimum Requirements by States. "State minimum" and "Standard Liability" policies are typically minimum or low-limit policies, providing bare-bones coverage. While these policies have lower rates, we recommend higher limits to ensure sufficient coverage should an accident or vehicle damage occur. "Full Coverage" policies will provide better coverage for you and your vehicle, as they have higher liability limits, plus include coverage for your vehicle through collision and comprehensive insurance. These policies offer the most financial protection should you have to file a claim.
Key Highlights
  • Car insurance calculators are 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 $2,517 or $210 per month.
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Written by:
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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Reviewed by:
Leslie Kasperowicz
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Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Car insurance calculator Florida: How to get auto insurance estimates

When it comes to shopping for a policy, CarInsurance.com editors recommend that you get quotes from three different companies around renewal time – every six months – or annually. Get estimates for car insurance by using an online quoting tool.

Why? Because insurance companies have proprietary rating systems, each insurer rates factors like age or driving record differently. So, if you get a ticket, one company might penalize you 5% while another company could penalize you to the tune of 20%.

What factors affect car insurance estimates in Florida

The biggest variation in insurance estimates from state to state depends on the state law. Tort insurance law varies from no-fault insurance law. Tort insurance law operates on the principle that the person responsible for causing an accident is liable for the damages. This often leads to litigation to determine fault and the extent of damage.

On the contrary, no-fault insurance laws, adopted in several U.S. states, simplifies this process by mandating each party’s insurance company to cover their own client’s bodily injury losses, regardless of who caused the accident.

Calculate new car insurance rates in Florida by vehicle type

Any time you’re shopping for a new vehicle, get quotes for car insurance so you can factor that cost into your overall car budget. If you’re looking for an affordable policy, cars that are the cheapest to insure have smaller engines and more safety features. On the other hand, sports cars and luxury vehicles are pricier when it comes to car insurance.

Vehicle TypeAverage Annual Rates
Convertible$3,033
Electric$3,721
Hatchback$2,679
Hybrid$3,228
Luxury Car$3,628
Luxury SUV$3,471
Minivan$2,603
Performance SUV$3,544
Sedan$2,975
Sports Car$3,651
Station Wagon$3,393
SUV$2,786
Truck$2,883
Van$2,524

“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 Jim 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.”

Use the car insurance calculator below to estimate your rates in Florida by make and model for 2023

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Insurance Rates by Car Model

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Florida car insurance estimates for used cars

Purchasing car insurance for a used vehicle may be more cost-effective than for a new one due to its lower market value. However, it’s crucial to thoroughly understand the coverage specifics and ensure it aligns with your needs, taking factors such as the car’s age, model and mileage into consideration. Similar to buying a new car, the vehicle’s value matters more when it comes to insurance than the model year.

Use the car insurance calculator below to estimate your rates in Florida for used cars by make and model.

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Average INSURANCE RATES for your USED CAR

Car is already added..!!

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 – 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.

RequirementsCoverage Limit
Minimum bodily injury liability$10,000/$20,000
Minimum property damage liability$10,000
Personal injury protection$10,000

How much does car insurance cost in Florida per month?

Florida car insurance estimate for full coverage comprises collision, comprehensive and liability with 100/300/100 is $210 per month. For the state minimum liability, it’s $73, and $128 for a liability policy with limits of 50/100/50.

Does your age impact how much you pay for insurance in Florida?

Young drivers often pay more for car insurance in Florida due to their lack of driving experience and statistically higher risk of getting into accidents. Insurance companies use this data to calculate risk, and this factor is built into the premiums that young drivers pay.

Additionally, young drivers are more likely to engage in risky behaviors such as speeding and distracted driving, further increasing the cost of their car insurance.

Resources & Methodology

Methodology

CarInsurance.com editors in 2023 collected rates from Quadrant Information Services for a 40-year-old male driving a 2021 Honda Accord LX with a good insurance score and 12-mile commute. We analyzed 56,838,240 quotes, 34,523 ZIP codes and 136 insurance companies nationwide.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

Ask the Insurance Expert

Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

Ask the Insurance Expert

Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.