How Much Is Car Insurance in Florida?
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Key takeaways 💡
Florida is one of the most expensive states for drivers, with a median car insurance cost of $3,892 a year for full coverage, or about $324 a month.
The average cost of minimum coverage insurance is $983 a year, or about $82 a month.
The cheapest company in Florida is Geico, with a median annual rate of $1,069 a year for full coverage, or about $89 a month.
Drivers can save on car insurance by shopping around, raising their deductible and asking about discounts.
According to NerdWallet’s November 2024 analysis, the average cost of car insurance in Florida is $3,892 per year for full coverage, or $324 per month, for a 35-year-old driver with good credit and a clean driving history. Meanwhile, the average cost of a minimum coverage policy is $983 per year, or about $82 per month.
But Florida car insurance rates are different for everyone. That’s because factors like your age, the car you drive, your insurance company and whether you’ve had a recent violation all affect how much you pay for coverage.
Read on for NerdWallet’s breakdown of how much car insurance in Florida costs by:
Read more about car insurance in your state
If you're looking for more specific information about auto insurance in the Sunshine State, take a look at the NerdWallet articles below.
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» MORE: Why is my car insurance so high?
Average car insurance cost in Florida: The cheapest companies
Out of the 11 Florida companies analyzed, Geico emerged as the cheapest company overall for full coverage insurance. Geico has an average annual rate of $2,112, or $176 per month, for a 35-year-old driver with good credit and a clean driving record.
Geico is the cheapest option for minimum coverage, with an average rate of $336 per year, or about $28 per month.
Below are the average annual full coverage rates for the cheapest auto insurance companies in Florida, sorted from lowest to highest rate.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Geico | $2,112 | $176 |
| State Farm | $2,203 | $184 |
| Travelers | $2,278 | $190 |
| UAIC | $2,487 | $207 |
| Nationwide | $3,378 | $282 |
If you want the cheapest car insurance in Florida, shop around and compare quotes from at least three insurers.
Looking for the cheapest car insurance in your city? NerdWallet also analyzed rates for some of the largest cities in Florida, including:
» MORE: Best car insurance in Florida
Average car insurance cost in Florida by age
The cost of car insurance in Florida varies widely based on your age. Younger drivers tend to pay more for a policy than older, more experienced drivers.
Here are the median car insurance rates in Florida for both full and minimum coverage, by age.
| Age | Median full coverage rate | Median minimum coverage rate |
|---|---|---|
| 20 | $7,522 | $1,661 |
| 30 | $3,989 | $1,004 |
| 35 | $3,892 | $983 |
| 40 | $3,840 | $946 |
| 50 | $3,649 | $891 |
| 60 | $3,376 | $835 |
| 70 | $3,605 | $876 |
Average cost of car insurance in Florida by driver profile
Drivers in Florida with a clean driving history will pay the least for auto insurance. But if you have a traffic violation, like a speeding ticket or at-fault accident, you can expect rates to go up. Drivers’ credit history can also play a part in how much they stand to pay for coverage.
Below are the median costs of car insurance in Florida for multiple driver profiles.
| Driver profile | Full coverage rate | Minimum coverage rate |
|---|---|---|
| Clean driving record, good credit | $2,165 | $596 |
| One speeding ticket, good credit | $2,724 | $750 |
| One at-fault crash, good credit | $3,195 | $883 |
| One DUI, good credit | $3,977 | $1,120 |
| Clean driving record, poor credit | $3,551 | $946 |
Average car insurance cost in Florida by zip code
Get an estimate for the cost of a full coverage policy based on your zip code below.
Estimate full coverage rates by ZIP code
Enter your ZIP code to find the average car insurance rate for your area. Rates are for policies that include full coverage for a 35-year-old driver with good credit and a clean driving record.
Average car insurance rate in your ZIP code:
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Factors that affect the cost of car insurance
How to get cheap car insurance in Florida
With rates the highest across the nation, finding affordable car insurance in Florida can be tricky.
If you’re wondering how to get cheap car insurance, here are six things you can try:
Compare quotes from multiple insurers. Use NerdWallet’s car insurance comparison tool to easily shop for cheap auto insurance online. You may find that you already have the best car insurance deal, but prices can change, so check roughly once a year.
Ask for discounts. You could save money from car insurance discounts you’re not taking advantage of. For example, maybe you work from home and don’t drive much. Mention that and you might get a low-mileage discount. Other common discounts are given for bundling car insurance with homeowners insurance, insuring multiple cars on the same policy and being a student.
Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. Even if you moved to a more expensive area for car insurance, shopping around can help you get cheaper coverage.
Raise your deductible. The higher your car insurance deductible, the more you pay out of pocket before insurance pays for a covered claim. The upside is that by raising your deductible, you’ll usually be able to lower your premium. Just make sure you have enough money set aside to cover the higher deductible if you ever get in an accident.
Revisit quotes after your driving record improves. Shop for cheap auto insurance quotes online three to five years after any accidents, tickets or moving violations. They may have dropped off your driving record.
Reconsider the car you drive. The type of car you drive affects how much you pay for auto insurance. For example, new and expensive cars tend to cost more to insure than older or less expensive cars, among other factors. Check out NerdWallet’s analysis of the cheapest cars to insure to see if your vehicle made the list.
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 11 insurance companies in Florida. Liberty Mutual and its subsidiaries were excluded from our analysis because rates were not available.
These are median rates, and your rate will vary based on your personal details and insurance provider.
For full coverage policies, we used the following coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
Minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in Florida.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
These are rates generated through Quadrant Information Services. Your own rates will be different.
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