In Florida, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Florida by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Florida
Our analysis shows that the Chrysler Voyager and the Subaru Forester have the lowest average insurance costs in Florida, with Mini Cooper Countryman JCW and Mazda MX-5 Miata close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Florida and their average six-month full coverage insurance premiums.
| Car make-model | Average six-month premium |
|---|---|
| Chrysler Voyager | $1,192 |
| Subaru Forester | $1,218 |
| Mini Cooper Countryman JCW | $1,231 |
| Mazda MX-5 Miata | $1,236 |
| Volkswagen Tiguan | $1,260 |
| Subaru Outback | $1,264 |
| Honda HR-V | $1,276 |
| Ford Ranger | $1,277 |
| Subaru Crosstrek | $1,277 |
| Honda CR-V | $1,283 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Florida
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Florida
Based on our data analysis, the Subaru Legacy is the cheapest sedan to insure, with an average cost of $1,321 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Volkswagen Jetta, which costs $1,407, and the Honda Civic Sedan, which costs $1,433 to insure.
Below, you’ll find the most affordable sedans to insure in Florida and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,321 |
| Volkswagen Jetta | $1,407 |
| Honda Civic Sedan | $1,433 |
| Volkswagen Jetta GLI | $1,444 |
| Mazda 3 Sedan | $1,469 |
| Honda Accord | $1,478 |
| Nissan Versa | $1,505 |
| Toyota Camry | $1,513 |
| Chevrolet Malibu | $1,524 |
| Toyota Corolla | $1,537 |
| Nissan Sentra | $1,552 |
| Kia Forte | $1,554 |
| Hyundai Elantra | $1,567 |
| Hyundai Sonata | $1,597 |
| Nissan Altima | $1,599 |
| Mitsubishi Mirage G4 | $1,611 |
| Kia K5 | $1,617 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Florida
In Florida, the Subaru Forester and Mini Cooper Countryman JCW are some of the most affordable SUVs to insure with an average six-month full coverage cost of $1,218 and $1,231 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Subaru Forester | $1,218 |
| Volkswagen Tiguan | $1,260 |
| Honda HR-V | $1,276 |
| Subaru Crosstrek | $1,277 |
| Honda CR-V | $1,283 |
| Mazda CX-5 | $1,290 |
| Volkswagen Taos | $1,296 |
| Chevrolet TrailBlazer | $1,304 |
| Honda Pilot | $1,312 |
| Ford Escape | $1,325 |
| Toyota Corolla Cross | $1,329 |
| Mini Cooper Countryman | $1,334 |
| Chevrolet Equinox | $1,341 |
| Volkswagen Atlas | $1,342 |
| Hyundai Tucson | $1,348 |
| Toyota RAV4 | $1,352 |
| Volkswagen Atlas Cross Sport | $1,356 |
| Mazda CX-30 | $1,356 |
| Subaru Ascent | $1,366 |
| Ford Edge | $1,368 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Florida
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,236.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,236 |
| Subaru WRX | $1,482 |
| Honda Civic Si | $1,533 |
| Chevrolet Camaro | $1,549 |
| Toyota GR86 | $1,584 |
| Subaru BRZ | $1,587 |
| Porsche 718 Boxster | $1,622 |
| Ford Mustang | $1,627 |
| BMW Z4 | $1,631 |
| Honda Civic Type R | $1,636 |
| Toyota GR Supra | $1,645 |
| Chevrolet Corvette | $1,730 |
| Toyota GR Corolla | $1,738 |
| Porsche 718 Cayman | $1,792 |
| Chevrolet Camaro ZL1 | $1,888 |
| Chevrolet Corvette Z06 | $2,147 |
| Porsche 911 | $2,152 |
| Porsche 911 GT3 | $2,239 |
| Porsche 911 Turbo | $2,241 |
| Nissan Z | $2,370 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Florida
Luxury vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $1,384, the Audi Q3 ranks as the most affordable luxury car to insure, followed closely by Acura RDX at $1,418 and the Alfa-Romeo Tonale at $1,429.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Audi Q3 | $1,384 |
| Acura RDX | $1,418 |
| Alfa-Romeo Tonale | $1,429 |
| Lincoln Corsair | $1,432 |
| Volvo XC40 | $1,435 |
| Mercedes-Benz GLA-Class | $1,441 |
| Cadillac XT5 | $1,452 |
| Porsche Macan | $1,461 |
| BMW X2 | $1,461 |
| Cadillac XT4 | $1,480 |
| Audi Q5 | $1,480 |
| Lincoln Aviator | $1,483 |
| BMW X3 | $1,486 |
| Acura MDX | $1,488 |
| Lexus RX | $1,494 |
| Mercedes-Benz GLB-Class | $1,504 |
| Land Rover Discovery Sport | $1,506 |
| Infiniti QX50 | $1,509 |
| Jaguar E-Pace | $1,514 |
| BMW X1 | $1,515 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Florida
Electric vehicles are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $3,504 a year or $292 a month.
Below is a list of the most affordable EVs to insure in Florida for a full coverage policy and average six-month premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,370 |
| Volkswagen ID.4 | $1,421 |
| Chevrolet Silverado EV | $1,437 |
| Hyundai Kona Electric | $1,460 |
| Kia Niro EV | $1,467 |
| Toyota bZ4X | $1,518 |
| Genesis Electrified GV70 | $1,533 |
| Cadillac LYRIQ | $1,557 |
| Volvo XC40 Recharge | $1,560 |
| Ford Mustang Mach-E | $1,565 |
| Audi Q4 e-tron | $1,594 |
| Hyundai Ioniq 5 | $1,600 |
| Nissan Leaf | $1,604 |
| Mercedes-Benz EQB | $1,618 |
| Ford F-150 Lightning | $1,649 |
| Volvo C40 Recharge | $1,658 |
| Kia EV6 | $1,676 |
| Hyundai Ioniq 6 | $1,678 |
| Tesla Model 3 | $1,697 |
| Polestar 2 | $1,700 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Florida
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Chrysler Voyager costs an average of $4,091 to insure for an 18-year-old driver, whereas a Subaru Forester costs an average of $4,257 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Florida?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $1,370 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $1,421 for the Volkswagen ID.4 for the same coverage.
Which SUVs are the cheapest to insure in Florida?
In Florida, insuring a Subaru Forester SUV costs about $1,218 for six months, making it one of the most affordable options. The Mini Cooper Countryman JCW and Volkswagen Tiguan also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Florida?
The Chrysler Voyager, Subaru Forester, Mini Cooper Countryman JCW and Mazda MX-5 Miata are some of the cheapest cars to insure for 18-year-olds in Florida. However, insuring models such as the Mercedes-AMG EQS, Maserati Quattroporte and Jaguar F-Pace SVR can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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