Average Car Insurance Cost in Florida (2025)
Drivers in Florida pay an average of $155 per month for liability insurance and $209 for full coverage.
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Living in the Sunshine State comes with plenty of perks, but cheap car insurance isn’t one of them. Florida drivers pay around $182 per month for coverage — that’s about $50 more per month than most Americans pay.
Between the constant stream of tourists navigating unfamiliar roads and Florida’s rank as third in the nation for fatal crashes, insurers see drivers as a pretty risky bet.1 Though average rates have decreased by about 10% since June 2024, rates are still expensive.
Fortunately, you can still find affordable insurance in the state by comparing quotes.
How much is car insurance in Florida?
Florida car insurance costs aren’t exactly budget-friendly. Full-coverage car insurance sets you back about $209 per month, while the state’s minimum coverage runs around $155 per month. But this is just the average cost, and your actual prices could look a lot different.
Take age, for example: If you’re a teen driver, your monthly car insurance bill for full coverage may cost an average of $359. But for drivers in their 60s, that same coverage drops to a more manageable monthly premium of $185.
Below, you can compare average monthly car insurance quotes in Florida and nationwide.
How Florida car insurance rates have changed over time
The average annual cost for full-coverage car insurance in Florida rose to about $3,200 in 2024, but it has since decreased to about $2,900 in 2025. Full-coverage rates also rose nationally, though they remain much cheaper than in Florida.
See how the average annual costs of Florida car insurance have changed over the past two years below.
Average Florida car insurance rates by city
Every city has its own personality and challenges — even your ZIP code can make a difference in what you pay for car insurance. Miami drivers deal with bumper-to-bumper traffic and a higher chance of vehicle theft, while someone living in Sarasota might have fewer car accidents to worry about.2
Your insurance company considers many local factors — including traffic patterns, crime rates, and even the number of accidents in your neighborhood — to determine the risk in your area.
Average Florida car insurance rates by age
Your age has a significant effect on your auto insurance bill. Teen drivers face the steepest costs since they’re still building their road experience and are statistically more likely to get into accidents. The good news is that these prices usually start dropping once you hit your mid-20s and continue to improve through your 30s and 40s as long as you maintain a clean driving record.
The table below breaks down average monthly quotes in Florida for liability-only and full-coverage car insurance.
Average cost to insure popular vehicles in Florida
The most popular vehicles in Florida are the Ford F-Series, Toyota RAV4, Honda CR-V, Toyota Camry, and Chevrolet Silverado.3 Of these, the Honda CR-V is the cheapest to insure, and the Toyota Camry is the most expensive to insure on average.
Below, you can see average monthly quotes for the state’s most popular vehicles.
How your driving record affects car insurance rates in Florida
Your driving record tells insurance companies in Florida a clear story about how likely you are to file a claim. Think of it as your road reputation — a speeding ticket, car accident, or traffic violation leaves its mark.
Even a minor accident could increase your average annual premium by hundreds of dollars per year. The better your record, the less you’ll typically pay. On average, drivers pay $216 per month with a past speeding ticket, $239 with a past accident, and $231 with a past DUI. Florida drivers with a clean record pay $189 per month.
This table breaks down what Florida residents pay, based on a sample driver profile with various driving incidents.
Not every state allows the use of credit history for car insurance purposes. But it’s completely legal for Florida insurance companies to review your credit history when determining your policy prices.4 Insurers must let you know they’re requesting your credit information for review.
The better your credit, the lower your cost tends to be. Insurance companies have found that drivers with better credit typically file fewer claims, so insurers reward them with better prices.5 If you have poor credit, don’t sweat it too much — while you might pay more than someone with excellent credit, it’s just one of many factors that determine your rate.
How to lower your insurance costs in Florida
Here are some things you can do to bring down your Florida car insurance costs:
Florida average car insurance cost FAQs
The following information can help answer your remaining questions about car insurance costs in Florida.
The average Florida driver pays about $2,184 per year for car insurance, but the average annual cost varies quite a bit. Full coverage is $2,509 per year, while state-minimum coverage runs $1,858 per year. Keep in mind these are just average annual costs, and your actual rates may vary.
Hugo typically offers the lowest rates in Florida, with a liability average of $91 per month. Remember, your car insurance rate will depend on many factors, including your driving record, your Florida address, your vehicle, your age, and whether you opt for state minimum coverage or higher limits.
Florida car insurance costs an average of $182 per month. Drivers pay about $209 for full coverage and $155 if you stick with basic liability insurance. But your monthly payment could be higher or lower depending on your situation and whether you need state-minimum coverage or more protection.
State Farm and GEICO typically top the list for affordable rates in Florida. But “best” means different things to different people. It really comes down to what matters most to you — whether that’s the lowest rates, excellent customer service, or quick claims handling.
Florida keeps it pretty basic with its minimum requirements for car insurance. You need at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL).6 Keep in mind that minimum coverage isn’t always enough protection on Florida’s roads.
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