CarInsurance.com Insights
- Florida ranks as the fourth most-expensive state for car insurance nationally.
- Full coverage average: $3,916/year or $326/month.
- State minimum average: $1,228/year or $102/month.
- Cheapest full coverage insurer: Travelers at $2,448/year.
How much is car insurance in Florida in 2026?
In Florida, the cost of car insurance is $326 per month or $3,916 per year for full coverage, and $102 per month or $1,228 per year for state minimum coverage. Your price may vary as rates vary significantly by driver profile and location in Florida.
In the article below, learn the average cost for car insurance in Florida based on factors like coverage level, driver profile and insurance company. See how your location in Florida affects your car insurance rates with our rate tool below. We’ll also share tips to lower your car insurance rate while keeping the coverage you need.
Florida’s full coverage rates run about 52% above the national average of $2,578 a year, among the widest gaps of any state.
How much Florida drivers pay by coverage level
The average cost for car insurance in Florida varies by coverage level. Florida state minimum car insurance costs an average of $102 per month or $1,228 per year, liability-only costs an average of $136 per month or $1,635 per year and full coverage (100/300/100, $500 deductible) costs an average of $326 per month or $3,916 per year.
The table below shows the monthly and annual averages for each coverage tier.
| Coverage level | Monthly average | Annual average |
|---|---|---|
| State Minimum (PIP $10,000 + PDL $10,000) | $102 | $1,228 |
| Liability-Only (50/100/50) | $136 | $1,635 |
| Full Coverage (100/300/100, $500 deductible) | $326 | $3,916 |
State minimum
In Florida, the state minimum coverage requirements include $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Unlike nearly every other state, Florida does not require its drivers to carry Bodily Injury (BI). PIP covers 80% of medical expenses up to $10,000, regardless of who was at fault, while PDL helps pay up to $10,000 if you damage someone else’s property.
State minimum car insurance keeps you legal to drive on Florida roads, but it leaves you financially unprotected if your liability in an accident exceeds the state’s low minimums. It also doesn’t protect your vehicle if it’s damaged. State minimum coverage is best for low-mileage drivers, drivers with few assets to protect and drivers who can afford to pay out of pocket if they’re involved in an accident or if their vehicle is damaged.
Liability-only
Florida drivers with liability-only coverage limits of 50/100/50 are better protected, with $50,000 in BI per person and $100,000 per accident, plus $50,000 in PDL per accident. You’ll still need to carry $10,000 in PIP coverage to comply with Florida’s car insurance laws.
Liability-only car insurance increases your financial protection if you’re involved in an accident, but it still doesn’t cover damage to your vehicle from a collision or other covered event.
Full coverage
“Full coverage” isn’t a policy type. It means the combination of liability, collision and comprehensive coverage. Recommended liability limits for full coverage car insurance are 100/300/100. Drivers with higher net worth or more assets might consider adding more coverage or an umbrella policy.
Calculate the cost of car insurance in Florida
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Florida bear greater financial burdens than those in lower-risk areas.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in Florida
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Florida by car model
Florida car insurance providers use your vehicle’s make and model to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Florida.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Sophie’s Tip
Florida’s insurance market changes more than most people realize. If you haven’t compared quotes in the past 12 months, your current rate may not reflect what’s available to you today.
Is Florida a no-fault car insurance state?
Yes, Florida is a no-fault car insurance state. After an accident, your own insurance pays your medical bills up to your Personal Injury Protection (PIP) limit, regardless of who caused the crash.
Personal Injury Protection is required by law in Florida. No matter who was at fault, your PIP coverage pays up to 80% of your medical bills and related costs, up to a minimum of $10,000.
However, due to Florida’s car insurance laws, you generally cannot sue the at-fault driver for your pain and suffering unless your injuries meet the threshold of “serious injury” under Florida Statute §627.737. This “tort exemption” leaves most at-fault drivers off the hook unless the accident caused death or the significant and permanent scarring, disfigurement, injury or loss of an important bodily function.
Since every driver must file their claim under their own policy, there are more claims per accident, which is a major reason Florida premiums run above the national average.
Lawmakers have battled over the no-fault law in recent years, even sending a bill to Governor DeSantis’s desk in 2021. But he vetoed the bill, and other bills raised in 2025 and 2026 died in committee. Keep up-to-date with our guide to Florida car insurance requirements.
Florida’s no-fault PIP system means more claims per accident, which is one structural reason Florida premiums run above the national average.
How your driving profile affects your Florida car insurance premium
Beyond location and coverage, the three driver-specific factors that affect Florida rates the most are your age, driving record and credit score.
Your Age
| Age group | Average annual full coverage (2026) |
|---|---|
| Teens (16-19) | $12,212 |
| Young Adults (20-24) | $5,973 |
| Adults (25-60) | $3,919 |
| Seniors (65-75) | $3,670 |
Teens have the highest average rates of all age groups. Teen crash rates are four times higher than those of drivers aged 20 and older (IIHS, 2026). Adding a teen to a parent’s policy is almost always cheaper than purchasing a separate policy. View our InsureMyTeen tool to estimate costs.
As a driver ages, car insurance rates begin to come down, starting with the 20- to 25-year-old age bracket. As drivers approach middle age (30-60), rates drop even further, and in Florida, the lowest rates are for drivers age 65 and older.
Your driving record
The average car insurance rate in Florida is substantially higher when there are violations on your motor vehicle record. A speeding ticket can raise your rates by an average of 34% and an at-fault accident by 49%.
| Incident | Typical rate increase | Avgerage annual rate after |
|---|---|---|
| Speeding ticket | +34% | $5,238 |
| At-fault accident | +49% | $5,822 |
Because tickets and at-fault accidents can raise your rates, it’s a good idea to re-shop your policy after a violation. Even with a recent incident, comparing quotes in Florida can save significant money. The spread between the most and least expensive insurer for a driver with a DUI can be hundreds of dollars per year, making shopping especially important after any record change.
Your credit score
Florida allows credit-based insurance scoring. Drivers with poor credit pay an average of $8,249 per year for full coverage in Florida, more than double the $3,916 average for a driver with a clean profile. Ask your insurer to re-run your credit score at renewal if it has improved since the policy started.
Which car insurance company is the cheapest in Florida?
Based on the current rate data, Travelers offers the cheapest full coverage rate in Florida at $2,448 per year. Remember, your rates will vary based on your profile, and the cheapest insurer for one driver profile is not necessarily the cheapest for another.
| Company | State minimum | Liability only | Full-coverage |
|---|---|---|---|
| Travelers | $824 | $994 | $2,448 |
| State Farm | $1,170 | $1,469 | $2,758 |
| UAIC | $2,006 | $2,006 | $2,837 |
| GEICO | $700 | $1,201 | $2,974 |
| Mercury Insurance | $864 | $1,189 | $3,643 |
| Allstate | $1,479 | $2,349 | $5,064 |
| Progressive | $1,642 | $2,133 | $5,676 |
| AIG | $1,133 | $1,754 | $6,137 |
How car insurance costs vary across Florida
The most expensive city in Florida for car insurance is Tampa ($5,034), $1,627 more than the cheapest, Tallahassee ($3,407). See rates by city and insurance carrier in the table below.
| City | Company | Average annual cost |
|---|---|---|
| Fort Lauderdale | Travelers | $3,073 |
| Fort Lauderdale | UAIC | $3,823 |
| Hialeah | Allstate | $5,752 |
| Hialeah | GEICO | $3,040 |
| Hialeah | Mercury Insurance | $3,774 |
| Hialeah | Progressive | $8,793 |
| Hialeah | State Farm | $4,500 |
| Hialeah | Travelers | $3,727 |
| Hialeah | UAIC | $3,824 |
| Jacksonville | AIG | $6,204 |
| Jacksonville | Allstate | $5,487 |
| Jacksonville | GEICO | $2,630 |
| Jacksonville | Mercury Insurance | $3,443 |
| Jacksonville | Progressive | $5,458 |
| Jacksonville | State Farm | $2,871 |
| Jacksonville | Travelers | $2,550 |
| Jacksonville | UAIC | $2,816 |
| Miami | AIG | $8,143 |
| Miami | Allstate | $5,621 |
| Miami | GEICO | $3,040 |
| Miami | Mercury Insurance | $4,354 |
| Miami | Progressive | $8,190 |
| Miami | State Farm | $4,131 |
| Miami | Travelers | $3,693 |
| Miami | UAIC | $3,832 |
| Orlando | AIG | $6,209 |
| Orlando | Allstate | $5,369 |
| Orlando | GEICO | $2,699 |
| Orlando | Mercury Insurance | $3,579 |
| Orlando | Progressive | $5,454 |
| Orlando | State Farm | $2,784 |
| Orlando | Travelers | $2,518 |
| Orlando | UAIC | $3,490 |
| Port St. Lucie | AIG | $6,245 |
| Port St. Lucie | Allstate | $5,175 |
| Port St. Lucie | GEICO | $3,212 |
| Port St. Lucie | Mercury Insurance | $3,262 |
| Port St. Lucie | Progressive | $5,211 |
| Port St. Lucie | State Farm | $2,770 |
| Port St. Lucie | Travelers | $2,400 |
| Port St. Lucie | UAIC | $2,802 |
| St. Petersburg | AIG | $6,734 |
| St. Petersburg | Allstate | $5,984 |
| St. Petersburg | GEICO | $3,513 |
| St. Petersburg | Mercury Insurance | $4,023 |
| St. Petersburg | Progressive | $6,946 |
| St. Petersburg | State Farm | $3,248 |
| St. Petersburg | Travelers | $2,616 |
| St. Petersburg | UAIC | $2,866 |
| Tallahassee | AIG | $5,744 |
| Tallahassee | Allstate | $4,479 |
| Tallahassee | GEICO | $2,553 |
| Tallahassee | Mercury Insurance | $3,037 |
| Tallahassee | Progressive | $4,534 |
| Tallahassee | State Farm | $2,362 |
| Tallahassee | Travelers | $2,192 |
| Tallahassee | UAIC | $2,354 |
| Tampa | AIG | $7,504 |
| Tampa | Allstate | $6,671 |
| Tampa | GEICO | $3,612 |
| Tampa | Mercury Insurance | $4,521 |
| Tampa | Progressive | $7,335 |
| Tampa | State Farm | $3,619 |
| Tampa | Travelers | $2,983 |
| Tampa | UAIC | $4,024 |
Rates vary widely across Florida cities for several reasons. For instance:
- Hurricane and severe weather risk is higher for coastal cities
- The overall claims rate is higher in dense urban areas, where there are more drivers
- Vehicle theft clusters around specific metro ZIP Codes
So your rate in a dense, coastal city with a high rate of vehicle theft will likely be higher than in an inland suburb with a low theft rate.
Penalties for driving without insurance coverage
The penalty for driving without active car insurance in Florida is that the state will suspend your driver’s license and vehicle registration. After the first offense, it’ll cost you $150 in reinstatement fees to get back on the road. The second time it will cost you $250 in fees, and the third and subsequent times will cost $500 each. You’ll be classified as a high-risk driver, and insurers will charge higher rates for coverage.
FR-44 and SR-22 in Florida
After a DUI conviction in Florida, your insurer must file an FR-44 with the state. This certificate of financial responsibility (similar to SR-22 car insurance in other states) proves that you have purchased a policy with the substantially higher liability limits required after a DUI. You’ll need to maintain these higher limits (100/300/100) and the FR-44 for three years. If you get another DUI, it restarts the clock.
What’s happening with Florida car insurance right now
- USAA customers in Florida are receiving lower premiums plus dividends. USAA announced in June that it will deliver about $1 billion in rate reductions and dividends to approximately $830,000 Florida USAA customers (USAA, June 2026).
- AAA announces up to 5% in rate cuts in Florida, totaling more than $28 million. AAA announced rate reductions of up to 5% for auto policies through Auto Club South Insurance Company (ACSIC) and 4% for auto policies through Auto Club Insurance Company of Florida (ACICF). These reductions follow cuts of 15% in 2025, a spokesman said. (AAA, June 2026).
- Could a quieter hurricane season in 2026 mean additional auto insurance savings? With NOAA predicting a below-normal 2026 Atlantic hurricane season, insurance experts say Florida’s positive trends in automotive insurance costs could continue. (South Florida Sun Sentinel, May 2026).
Florida’s insurance market moves quickly. If you haven’t compared quotes in the past 12 months, your current rate may not reflect what’s available to you today.
How to lower your car insurance bill in Florida
Comparing car insurance quotes at renewal time is one of the best ways to drop your rates. Insurers price identical coverage very differently. Signing up for an insurer’s telematics program could also save you money, with some usage-based programs discounting your rate by up to 30%.
- Avoid coverage gaps. Even a brief lapse signals a higher risk to new insurers and can raise your rate when you restart.
- Compare quotes from at least three insurers at every renewal. Rate differences between carriers for identical coverage can be substantial in Florida.
- Consider usage-based insurance if you drive fewer than 10,000 miles per year. Programs like Progressive Snapshot or State Farm Drive Safe & Save can reduce rates – these vary by carrier.
- Raise your deductible from $250 to $500. Only do this if you can cover the higher deductible out of pocket after a claim.
- Bundle auto with home or renters insurance. Most major carriers offer multi-policy discounts of 5-15%.
- Review collision and comprehensive on older paid-off vehicles. If the combined annual premium exceeds 10% of your car’s market value, dropping them may make financial sense.
- Ask about specific discounts you may qualify for. These may include safe driver, good student, low mileage, anti-theft device, paperless billing and paid in full.
- Protect your credit score. Florida allows credit-based insurance scoring, and improving from fair to good credit can meaningfully reduce your premium at renewal.
- Avoid coverage gaps. Even a brief lapse signals a higher risk to new insurers and can raise your rate when you restart.
The single most effective way to lower your Florida car insurance rate is to compare quotes at every renewal. Most drivers overestimate the cost of switching and underestimate how much they’re overpaying by staying.
Frequently Asked Questions: Florida car insurance
Is car insurance expensive in Florida compared to other states?
Yes. Florida is the fourth most expensive state for car insurance. There are three main reasons Florida car insurance is so expensive: the state’s no-fault PIP system, its high rate of uninsured drivers (about 20%) and elevated exposure to hurricanes and other severe weather. Compare the cost of car insurance by state to see how Florida stacks up.
What is the cheapest car insurance in Florida?
Based on current data, the cheapest full-coverage car insurance in Florida is Travelers, at an average of $2,448 per year. A complete comparison across state minimum, liability-only and post-incident rates requires additional carrier data; use our comparison tool to find the lowest rates for your specific situation.
How much is car insurance in Florida per month?
The average cost of state minimum car insurance in Florida is $1,228/year or $102/month. For liability only, the average cost is $1,635/year or $136/month. For full coverage, the average cost is $3,916/year or $326/month. Paying monthly for car insurance can help spread the cost out, but paying in full up front may earn you a discount.
How much does liability insurance cost in Florida?
In Florida, liability-only car insurance with 50/100/50 limits costs an average of $136 per month, compared to $102 per month for state minimum coverage. State minimum coverage includes $10,000 in Personal Injury Protection and $10,000 in property damage liability, but does not include bodily injury liability. That means you wouldn’t be protected if your liability exceeds your coverage limits, which can often happen in serious accidents.
Do you need car insurance in Florida?
Yes, you must provide proof of state minimum PIP and PDL coverage to register a vehicle in Florida. Bodily Injury Liability coverage is not required, but you can be sued if the other party receives serious, fatal or life-threatening injuries. The penalties for driving without car insurance in Florida include a suspension and up to $500 in reinstatement fees to regain your driving privileges.
Is Florida a no-fault car insurance state?
Yes, Florida is a no-fault car insurance state. That means you file a claim with your own insurance company regardless of who was at fault. In Florida, PIP pays your medical bills up to $10,000 regardless of fault. You can sue only if your injuries meet the ‘serious injury threshold’ as described by law.
Resources and Methodology
Sources
- Florida Highway Safety and Motor Vehicles. “Florida Insurance Requirements.” Accessed August 2026
- The Insurance Institute for Highway Safety (IIHS). “Teenagers.” Accessed August 2026
- Florida Statute § 324.023 (2025). “Financial responsibility for bodily injury or death.” Accessed August 2026
- South Florida Sun Sentinel. “2026 Hurricane season.” August 2026
- Florida Justice Reform Institute. “New insurance study shows Florida tort reforms are working.” Accessed August 2026
- NOAA. “NOAA predicts below-normal 2026 Atlantic hurricane season.” Accessed August 2026
Methodology
CarInsurance.com analyzed millions of auto insurance quotes, using data from its 2026 State of Auto Insurance Report to calculate average rates.
Estimated premiums are based on a sample profile of a 40-year-old male and female driver with a clean driving record and good insurance score, carrying a full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage, unless otherwise stated.
The rates are for comparison purposes only. Your actual premium will vary based on your location, driving history, vehicle type, deductible selection and coverage needs.
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