Average cost of car insurance in Florida for 2025

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.

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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.

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.

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.

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.  

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.

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.

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.

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. 

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