Skip to Main Content

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average cost of car insurance in Florida for 2025

Updated May 01, 2025
Florida car insurance rates tend to be on the higher side — the average cost is $4,125 for full coverage and $1,114 for minimum coverage, according to Bankrate’s research. 
Location Pin Icon
Explore offers from trusted carriers
+ MORE

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much is car insurance in Florida? 

You might be aware that Floridians pay more for car insurance, but you may be surprised at how much more insurance costs in the Sunshine State. Bankrate analyzed data from Quadrant Information Services and found that Florida drivers pay an average of $4,125 for full coverage and $1,114 for minimum coverage. Both amounts are significantly higher than the national average cost of car insurance.

Key takeaways

  • In Florida, full coverage car insurance costs an average of $344 per month, while minimum coverage is $93 per month.
  • Full coverage car insurance in Florida costs 53 percent more than the average cost of car insurance nationwide.
  • Minimum coverage car insurance in Florida costs around 38 percent more than the national average.
  • Men often pay more for insurance coverage than women, but that gap starts to close around age 30 for Florida drivers.

What would you like to do today?

Florida car insurance rates by city

Your ZIP code influences the premium you will pay for car insurance because accident frequency and crime rates vary by city. Even though car insurance is generally expensive in Florida, the following table demonstrates how rates in some of the most populous cities differ. For example, you may save more by living in Orlando or St. Petersburg than by living in Tampa or Miami.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average
Star Icon

Keep in mind: Florida’s sunny beaches make ideal vacation destinations, but living along the coast could put your home and vehicle in the direct path of a hurricane. Folks living in hurricane zones may want to consider adding comprehensive coverage to their car insurance policies to help pay for vehicle repairs or replacements in the wake of a storm. 

Bankrate and Coverage Logo

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers
Location Pin Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average car insurance costs by age and gender in Florida 

The average cost of car insurance in Florida can also vary by age and gender. Teen drivers usually pay significantly more than other age groups due to their lack of driving experience and higher likelihood of accidents, with rates stabilizing around 25 years old. From age 30 on, car insurance rates in Florida generally decrease over time for drivers with a clean driving record.

Age 16*
Average annual full coverage premium in FL
$8,462
Average minimum coverage premium in FL
$2,462
Age 18
Average annual full coverage premium in FL
$11,204
Average minimum coverage premium in FL
$3,205
Age 20
Average annual full coverage premium in FL
$8,313
Average minimum coverage premium in FL
$2,294
Age 25
Average annual full coverage premium in FL
$5,067
Average minimum coverage premium in FL
$1,324
Age 30
Average annual full coverage premium in FL
$4,328
Average minimum coverage premium in FL
$1,139
Age 40
Average annual full coverage premium in FL
$4,060
Average minimum coverage premium in FL
$1,067
Age 50
Average annual full coverage premium in FL
$3,919
Average minimum coverage premium in FL
$1,026
Age 60
Average annual full coverage premium in FL
$3,821
Average minimum coverage premium in FL
$1,014
Age 70
Average annual full coverage premium in FL
$4,004
Average minimum coverage premium in FL
$1,110
Age 40
Average annual full coverage premium in FL
$4,060
Average minimum coverage premium in FL
$1,067
Age 50
Average annual full coverage premium in FL
$3,919
Average minimum coverage premium in FL
$1,026
Age 60
Average annual full coverage premium in FL
$3,821
Average minimum coverage premium in FL
$1,014
Age 70
Average annual full coverage premium in FL
$4,004
Average minimum coverage premium in FL
$1,110
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Average annual full coverage premium in FL
$7,763
Average minimum coverage premium in FL
$2,371
Age 18
Average annual full coverage premium in FL
$9,884
Average minimum coverage premium in FL
$3,031
Age 20
Average annual full coverage premium in FL
$7,369
Average minimum coverage premium in FL
$2,186
Age 25
Average annual full coverage premium in FL
$4,948
Average minimum coverage premium in FL
$1,411
Age 30
Average annual full coverage premium in FL
$4,401
Average minimum coverage premium in FL
$1,232
Age 40
Average annual full coverage premium in FL
$4,190
Average minimum coverage premium in FL
$1,162
Age 50
Average annual full coverage premium in FL
$3,947
Average minimum coverage premium in FL
$1,070
Age 60
Average annual full coverage premium in FL
$3,755
Average minimum coverage premium in FL
$1,026
Age 70
Average annual full coverage premium in FL
$3,991
Average minimum coverage premium in FL
$1,129
Age 40
Average annual full coverage premium in FL
$4,190
Average minimum coverage premium in FL
$1,162
Age 50
Average annual full coverage premium in FL
$3,947
Average minimum coverage premium in FL
$1,070
Age 60
Average annual full coverage premium in FL
$3,755
Average minimum coverage premium in FL
$1,026
Age 70
Average annual full coverage premium in FL
$3,991
Average minimum coverage premium in FL
$1,129
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Lightbulb Icon

Bankrate’s take: Car insurance rates are a calculation of risk. The more of a risk you pose to your insurance provider, the more they will likely charge you for your premium. Statistically, men have more serious car accidents and receive more moving violations like DUIs than females, which is why they often pay more for car insurance, regardless of age. 

Cost considerations for young drivers in Florida

As a young driver in Florida, whether or not you’re insured on your own policy plays a critical role in the cost of your coverage. On average, young drivers in Florida pay 29 percent less by remaining on their parent’s policy while living with them.

Caret Down Icon
Age 16*
Avg. annual premium for drivers in FL
$8,112
Age 17
Avg. annual premium for drivers in FL
$7,606
Age 18
Avg. annual premium for drivers in FL
$7,489
Age 19
Avg. annual premium for drivers in FL
$6,227
Age 20
Avg. annual premium for drivers in FL
$5,907
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in FL
$10,544
Age 19
Avg. annual premium for drivers in FL
$8,433
Age 20
Avg. annual premium for drivers in FL
$7,841
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 41 percent more
Age 19 35 percent more
Age 20 33 percent more

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in Florida?

Car insurance rates in Florida will also differ depending on each driver’s driving record. For example, someone with a speeding ticket pays around 7 percent more than the state average. Having a DUI costs about 47 percent more, while an accident could increase rates by 33 percent more compared to the average car insurance cost in Florida. 

Drivers with DUI convictions may have a harder time finding insurance, as not every insurance provider writes policies for drivers with DUIs. If you’re having trouble securing coverage, consider getting a quote from a Florida provider that specializes in high-risk auto insurance.  

Clean driving record
Avg. annual premium* in FL
$4,125
Percentage increase from FL avg. annual premium*
0%
Avg. annual premium* in FL
$4,412
Percentage increase from FL avg. annual premium*
7%
Avg. annual premium* in FL
$5,503
Percentage increase from FL avg. annual premium*
33%
Avg. annual premium* in FL
$6,044
Percentage increase from FL avg. annual premium*
47%
*The rates reflected are for full coverage policies.

Car insurance rates in Florida by credit score

Your credit-based insurance score is another criterion for car insurance rates in Florida. Drivers with good credit generally pay the average, but drivers with excellent credit pay 17 percent less than average. Those with average credit pay around 12 percent more than the state average. However, if you have poor credit, you may pay 98 percent more than the average car insurance cost in Florida.

Avg. annual premium* in FL
$8,186
Percentage difference from FL avg. annual premium*
98%
Average
Avg. annual premium* in FL
$4,617
Percentage difference from FL avg. annual premium*
12%
Avg. annual premium* in FL
$4,125
Percentage difference from FL avg. annual premium*
0%
Excellent
Avg. annual premium* in FL
$3,428
Percentage difference from FL avg. annual premium*
-17%
*Rates reflect full coverage policies.

Florida car insurance rates by vehicle type

With different safety features, crash test ratings, repair costs and other factors, the type of vehicle you drive will affect your Florida car insurance rates. Comparing the make and model when shopping for cars can help you stay within your budget. For instance, drivers pay less than the state average when buying a Honda Odyssey, Ford F-150 or Toyota Prius. But if you’re looking at a BMW 330i, for example, you can expect to pay more.

Avg. annual premium* in FL
$4,125
Avg. annual premium* in FL
$3,752
Avg. annual premium* in FL
$3,816
BMW 330i
Avg. annual premium* in FL
$4,625
Toyota Prius
Avg. annual premium* in FL
$4,362
*Rates reflect full coverage policies.

Estimate your car insurance cost in Florida

With so many different factors involved in the cost of car insurance, it can be difficult to gauge what you can expect to pay for coverage. That’s why Bankrate created the handy tool below. After entering some basic information, you’ll be presented with a rough estimate of your insurance premium. While this is not an exact quote, it can give you a good idea so you can budget accordingly.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

Caret Down IconCaret Up Icon
Please select age
Location Pin Icon
Lock Secure Icon Your information is secure
Caret Down IconCaret Up Icon
Please select credit score
Why we're asking
Methodology

How to save on car insurance in Florida

Florida may be one of the most expensive states in the country for car insurance, but there are a few things you can do that may help you save on your premium:

  • Shop for new quotes. Make it a habit to shop around for free online car insurance quotes at your renewal or after major life changes (like adding a teen driver or moving to a new ZIP code). Doing so may help to ensure that you receive the most competitive rate possible.
  • Take advantage of eligible discounts. It may be a good idea to ask your agent to review your policy for discounts or programs that could lower your bill. For example, you may be able to save on your car insurance if you install a telematics device in your car or complete an online defensive driving course.
  • Improve your credit score. Although it can take time to improve your credit history, having a better credit-based insurance score can qualify you for lower insurance premiums. To work on your score, pay down debt, make on-time payments and avoid overextending yourself financially.
  • Maintain a clean driving record. Few things make your car insurance premium go up quite like traffic violations. To get the most affordable rates, practice safe driving habits. Some insurance providers offer discounts for completing an approved defensive driving course or installing a telematics program. Plus, if you go a specific amount of time without filing a claim, most insurers will reward you with a claims-free discount. 

Frequently asked questions

Clock Wait Icon
46
years of industry expertise
Search Icon
122
carriers reviewed
Location Icon
34.5K
ZIP codes examined
Dollar Coin Icon
1.2M
quotes analyzed

Methodology

Rates

Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied: 

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Bankrate Score

Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s financial strength, product and rider offerings, availability, customer experience and corporate sustainability. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

40% Ratings
 
40% Coverage
 
20% Accessibility
 
  • Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
  • Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
  • Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Written by
Natalie Todoroff
Writer II, Insurance
Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.
Edited by Senior editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute