Average Car Insurance Cost in Florida November, 2024
Drivers in Florida pay $157/mo. on average for liability-only car insurance coverage.
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Written byMelanie Lockert
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Reviewed byAnuj Desai
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Prior work with MetLife, Allstate, and Root Inc.
20+ years in insurance and financial services
Anuj is a home and auto insurance agent with more than two decades of experience and a Property and Casualty Insurance license.
Updated November 21, 2024
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Table of contents
- What’s the average cost of car insurance in Florida?
- Average Florida car insurance rates by city
- Average Florida car insurance rates by insurance company
- Average Florida car insurance rates by age
- Average Florida car insurance rates by gender
- Average Florida car insurance rates by marital status
- Average Florida car insurance rates by driving record
- Average Florida car insurance rates by credit score
- Florida minimum car insurance requirements
- FAQs
Table of contents
- What’s the average cost of car insurance in Florida?
- Average Florida car insurance rates by city
- Average Florida car insurance rates by insurance company
- Average Florida car insurance rates by age
- Average Florida car insurance rates by gender
- Average Florida car insurance rates by marital status
- Average Florida car insurance rates by driving record
- Average Florida car insurance rates by credit score
- Florida minimum car insurance requirements
- FAQs
The cost of car insurance can vary based on your age, driving history, type of policy, location, and more.[1] In a state like Florida, that may mean paying even more for coverage.
The average car insurance cost in Florida is $157 per month for liability-only coverage, while the average cost for a full-coverage policy is $248 per month, according to Insurify data. This is one of the most expensive states for car insurance.
Here’s what you should know about the costs and nuances of getting and comparing car insurance in the Sunshine State.
Quick Facts
Florida has some of the highest rates for car insurance in the country.
The average cost of full coverage for senior drivers in Florida is $199 per month.
State Farm offers the cheapest insurance policies in Florida, at $68 per month for liability-only coverage.
What’s the average cost of car insurance in Florida?
The average annual car insurance cost in Florida for liability-only insurance is $1,889, and full coverage goes up to $2,975. What you end up paying for auto insurance coverage in Florida will also depend on your specific location, as costs vary from city to city.[1]
Your car insurance costs depend on many factors, including the type of policy and coverage you get. Liability coverage is generally the minimum required, whereas full coverage is a combination of liability, collision, and comprehensive and has added protections for you and others.
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Average Florida car insurance rates by city
Car insurance costs in Florida can vary by city and ZIP code. For example, some cities may have a higher population density, a higher crime rate, or more instances of theft and vandalism that can affect rates. Also, whether you have access to a garage or need to park your car on a busy street can affect your costs.[1]
The table below shows the average costs of car insurance in Florida, by city.
City ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Apopka | $247 | $168 |
| Cape Coral | $233 | $128 |
| Clearwater | $240 | $164 |
| Daytona Beach | $233 | $145 |
| Fort Lauderdale | $310 | $202 |
| Fort Myers | $223 | $136 |
| Gainesville | $190 | $119 |
| Jacksonville | $247 | $148 |
| Miami | $354 | $217 |
| Naples | $219 | $138 |
| Orlando | $263 | $167 |
| Pensacola | $230 | $131 |
| Tallahassee | $218 | $136 |
| Tampa | $332 | $232 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Florida car insurance rates by insurance company
Location is just one of the factors that play a role in determining car insurance rates. Car insurance premiums can also vary by company. Each company may have its own underwriting criteria, which assesses your level of risk as a driver and can influence rates.[2] To find the best rate, it pays to shop around.
“Choice is your friend. Make sure you are connected to a local independent agent that can review multiple options for your specific scenario,” says Shelby Tirado, director of operations at the Ponte Vedra Beach Agency of Brightway Insurance.
The table below shows the average cost of car insurance in Florida, by insurance company.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $83 | $68 |
| GEICO | $86 | $69 |
| Allstate | $145 | $117 |
| Mile Auto | $147 | $114 |
| Travelers | $173 | $140 |
| Safeco | $186 | $178 |
| Mercury | $191 | $154 |
| Progressive | $267 | $182 |
| Infinity | $272 | $194 |
| National General | $290 | $278 |
| GAINSCO | $311 | $224 |
| Direct Auto | $312 | $161 |
| Foremost | $315 | $208 |
| Bristol West | $353 | $247 |
| Dairyland | $393 | $226 |
| AssuranceAmerica | $422 | $253 |
| The General | $435 | $306 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Florida car insurance rates by age
Age and experience go hand in hand, and the younger you are, the more risk you may pose to car insurers. Young drivers tend to engage in risky driving behaviors and have a higher risk of fatal accidents, according to the Centers for Disease Control and Prevention (CDC).[3] That means teenagers in Florida tend to pay the highest rates, with an average of $701 per month.
Drivers younger than 25 can get some savings, but rates are still relatively high, with an average of $505 per month. Rates begin to drop for drivers older than 25.
As drivers age, costs go up slightly: Drivers in their 70s pay an average cost of $337 per month, and drivers 80 or older pay $332 per month.
The table below shows the average cost of car insurance for Florida drivers, by age.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teenagers | $701 |
| Younger than 25 | $505 |
| 25–29 | $414 |
| 30s | $396 |
| 40s | $369 |
| 50s | $347 |
| 60s | $326 |
| 70s | $337 |
| 80+ | $332 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Florida
Drivers in and around Florida have found policies from Kemper Economy, State Farm, Mercury, and more, through Insurify in the last few days.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Average Florida car insurance rates by gender
Gender is also a factor companies use in setting car insurance rates. Men tend to get into more accidents and have more instances of driving under the influence (DUI) than women.[1]
The table below shows the cost of Florida car insurance, based on gender.
Gender ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Men | $250 | $158 |
| Women | $246 | $156 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Florida car insurance rates by marital status
Your marital status may affect your car insurance rates. Married couples tend to insure their vehicles under one policy, resulting in a multi-car discount, which can lead to lower insurance premiums than single drivers. This holds true for liability-only coverage in Florida, where single drivers pay $61 more on average than married drivers.
However, Insurify data shows no difference between what married and single drivers pay on average for liability insurance from some top carriers in Florida
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Single ▲▼ | Married ▲▼ |
|---|---|---|
| GEICO | $69 | $67 |
| Allstate | $117 | $113 |
| Travelers | $140 | $135 |
| Progressive | $182 | $176 |
| Hugo | $341 | $328 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Florida car insurance rates by driving record
Your driving record greatly influences your car insurance rates. Insurers are assessing risk factors when determining premiums, so the more infractions, accidents, or moving violations you have, the more you’ll pay for car insurance.[1] Rates vary based on the severity of the incident as well as your chosen coverage.
Drivers with clean records can expect to pay an average of $349 per month for liability-only coverage and $461 per month for full-coverage insurance in Florida.
Common driving infractions will more than likely increase your rates. The table below shows Florida’s average cost of car insurance, based on driving record.
Quote Price by Driving Record
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Florida car insurance rates by credit score
Your credit score isn’t just used in lending decisions but may also be used to determine a credit-based insurance score, which assesses your risk for filing a claim. But some states prohibit insurers from using credit scores to determine car insurance premiums. California, Hawaii, Maryland, Michigan, and Massachusetts don’t allow credit scores to affect rates, according to the National Association of Insurance Commissioners (NAIC). Other states are working on similar policies or have limits in place.[4]
Florida doesn’t prohibit companies from using credit scores, so your credit score may affect what you pay for auto insurance coverage. Drivers in Florida with poor credit pay an average of $196 per month for liability coverage and an average of $310 per month for full coverage.
The table below shows the average cost of Florida car insurance, by credit tier.
Quote Price by Credit Score
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Florida minimum car insurance requirements
Most states have specific minimum requirements for car insurance. Florida minimum car insurance requirements are:[5]
$10,000 for personal injury protection
$10,000 for property damage liability
Personal injury protection provides 80% of required medical expenses up to a total of $10,000 for qualified injuries, no matter who caused the accident. Property damage liability helps pay for expenses related to the damage caused to another driver’s vehicle.
To help protect against uninsured drivers, you may also consider getting uninsured motorist coverage.
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Florida car insurance FAQs
If you live in Florida and are shopping for car insurance, here are answers to some frequently asked questions.
What is the average cost of car insurance in Florida?
The average car insurance cost in Florida is $157 per month for liability coverage and $248 per month for full coverage. Your driving history, the insurer, type of coverage, and other factors affect your insurance rates.[1]
What factors affect car insurance costs in Florida?
Car insurance rates in Florida may be determined by credit score, as well as driving history, city, gender, and age.[1] Costs also vary depending on the insurer, so it’s best to compare multiple options.
Do car insurance rates vary by county in Florida?
Florida car insurance rates can differ based on the city or county you live in. For example, living in an area with more theft or crime can affect rates.[1] Gainesville has the lowest premiums, at $278 per month for full coverage, and Tampa has the highest premiums, at $634 per month for full coverage.
What are the best auto insurance companies in Florida?
State Farm and GEICO offer the cheapest auto insurance coverage in Florida, based on Insurify’s data. However, the best car insurance company for you will depend on your personal situation and the coverage you want, which is why it’s important to shop around and compare quotes.
Is car insurance required in Florida?
Florida does have minimum car insurance requirements for drivers, which include $10,000 for personal injury protection and $10,000 for property damage liability.[5]
Related articles
More cities in Florida
Sources
- III. "What determines the price of an auto insurance policy?."
- NAIC. "Auto Insuance."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- NAIC. "Credit-Based Insurance Scores."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in
Prior work with MetLife, Allstate, and Root Inc.
20+ years in insurance and financial services
Anuj is a home and auto insurance agent with more than two decades of experience and a Property and Casualty Insurance license.
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