- The average cost of car insurance in Florida is $2,694 a year or $224 per month, based on our data analysis.
- Minimum liability coverage in Florida costs around $993 annually for limits of 10/20/10, while liability-only coverage costs $1,629 per year for limits of 50/100/50.
- State Farm provides the most affordable annual rates for full coverage car insurance in Florida, costing $2,119 per year.
- In Florida, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to $2,636, a DUI raising rates by 27%, and an at-fault accident by up to 35%.
The cost of car insurance in Florida varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. State Farm offers the cheapest rates at $2,119 a year for full coverage.
This guide makes buying car insurance in Florida easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Florida works and how much coverage you need.
How much is car insurance in Florida?
In Florida, drivers pay an average of $224 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Florida based on driver profile:
- Teen drivers in Florida pay the most – about $7,264 a month or $341 a year.
- Young drivers in their 20s pay an average of $4,090 monthly or $220 annually, for car insurance.
- Senior drivers pay around $2,636 monthly or /state/state-minimum-car-insurance-in-florida/ a year.
- A speeding ticket can increase your rates to $3,784 monthly or $605 annually.
- An at-fault accident increases car insurance rates to $3,995 a month or $315 a year.
- Poor credit drivers usually see their car insurance costs increase to $6,364 monthly or $333 annually.
Average cost of auto insurance in Florida by coverage level
In Florida, car insurance rates can differ depending on how much coverage you choose. Drivers in Florida are required by law to have minimum insurance coverage limits of 10/20/10 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Florida, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Florida for different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $147 | $1,763 |
| Liability Only – 50/100/50 BI/PD | $193 | $2,320 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $326 | $3,916 |
State minimum car insurance in Florida
Florida laws mandate that all drivers carry insurance with minimum liability limits of $10,000 for bodily injury liability per person, $20,000 for bodily injury liability per accident and $10,000 for property damage liability.
In Florida, you can get state minimum car insurance for $993 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Florida must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Florida
The average cost of liability-only insurance in Florida is $1,629 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Florida
In Florida, you can expect to pay around $2,694 per year for full coverage car insurance for the limits of $2,694 – 100/300/100 in bodily injury coverage, $100,000 in bodily injury coverage per accident and $300,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
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 have to bear greater financial burdens than those in areas with lower risks.
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 the make and model of your vehicle 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
Car insurance rates by age group in Florida
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Florida, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $4,619 annually.
Florida drivers aged 16-19 pay $100,000 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $2,645 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $7,264 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $4,619 per year in Florida.
- For senior drivers: Drivers age 65 and older can expect to pay $3,933 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Florida
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Florida, a DUI conviction often results in higher premiums and you may see an increase of up to 27% as insurers perceive you as a high-risk driver.
If you get caught speeding in Florida, your car insurance rates will increase by $2,636 when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Florida following driving incidents:
- Speeding ticket: Up to $2,636 increase
- DUI conviction: 27% increase
- At-fault accident (bodily injury and property damage): 35% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Florida for high-risk drivers
In Florida, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Florida
In Florida, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Florida by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Florida, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $1,320 | $1,593 | $2,448 |
| State Farm | $2,081 | $2,613 | $2,758 |
| UAIC | $2,747 | $2,747 | $2,837 |
| GEICO | $716 | $1,228 | $2,974 |
| Mercury Insurance | $883 | $1,215 | $3,643 |
| Allstate | $1,676 | $2,662 | $5,064 |
| Progressive | $2,646 | $3,392 | $5,676 |
| AIG | $2,117 | $3,227 | $6,137 |
Car insurance rates by city in Florida
46% is Florida’s most expensive city for car insurance at an average cost of North Miami Beach annually. $3,570 is the state’s least expensive city, with an average car insurance rate of Paxton annually.
Car insurance costs differ from city to city in Florida, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Florida’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Florida per month?
The average cost of a full-coverage car insurance policy in Florida costs $224 monthly for coverage limits of $2,694.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $147 |
| Liability Only – 50/100/50 BI/PD | $193 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $326 |
Final thoughts on choosing car insurance in Florida
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Florida.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Florida. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 10/20/10.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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