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Average cost of car insurance in Florida for 2024
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Powered by Coverage.com (NPN: 19966249)
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?
Car insurance rates in Florida are typically not cheap. To calculate what Floridians can expect to pay, Bankrate analyzed premium data from Quadrant Information Services. Our findings show that Florida drivers pay an average of $3,451 for full coverage and $1,055 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 $288 per month, while minimum coverage is $88 per month.
- Full coverage car insurance in Florida costs 48 percent more than the average cost of car insurance nationwide.
- Minimum coverage car insurance in Florida costs around 67 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.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Fort Meade | $264 | $3,172 | -8% |
| Polk City | $269 | $3,225 | -7% |
| Fort Myers | $240 | $2,882 | -18% |
| North Fort Myers | $238 | $2,854 | -19% |
| Rotonda West | $222 | $2,666 | -26% |
| Port Charlotte | $222 | $2,670 | -26% |
| Punta Gorda | $222 | $2,667 | -26% |
| Lake City | $234 | $2,813 | -20% |
| Saint Augustine | $220 | $2,645 | -26% |
| Astor | $234 | $2,806 | -21% |
| Daytona Beach | $238 | $2,857 | -19% |
| Port Orange | $237 | $2,843 | -19% |
| Edgewater | $234 | $2,805 | -21% |
| Lake Geneva | $237 | $2,839 | -19% |
| Lehigh Acres | $257 | $3,080 | -11% |
| Cape Coral | $235 | $2,820 | -20% |
| Naples | $221 | $2,655 | -26% |
| Boca Raton | $345 | $4,135 | +18% |
| Center Hill | $223 | $2,671 | -26% |
| Dade City | $297 | $3,565 | +3% |
| Lake Panasoffkee | $219 | $2,633 | -27% |
| Lutz | $320 | $3,835 | +11% |
| Plant City | $294 | $3,525 | +2% |
| Sun City Center | $293 | $3,519 | +2% |
| Orlando | $280 | $3,362 | -3% |
| Cocoa | $243 | $2,919 | -17% |
| Vero Beach | $237 | $2,842 | -19% |
| Sebastian | $230 | $2,756 | -22% |
| Apollo Beach | $312 | $3,744 | +8% |
| Saint Leo | $297 | $3,559 | +3% |
| Ruskin | $307 | $3,689 | +7% |
| Valrico | $324 | $3,890 | +12% |
| Graham | $232 | $2,778 | -22% |
| Green Cove Springs | $244 | $2,925 | -16% |
| Mayo | $242 | $2,899 | -17% |
| Barberville | $243 | $2,916 | -17% |
| East Palatka | $245 | $2,941 | -16% |
| Fort Mc Coy | $230 | $2,756 | -22% |
| Interlachen | $248 | $2,975 | -15% |
| The Villages | $224 | $2,683 | -25% |
| Bonita Springs | $223 | $2,673 | -25% |
| Goodland | $220 | $2,637 | -27% |
| Bradenton | $251 | $3,010 | -14% |
| Anna Maria | $250 | $3,000 | -14% |
| Palmetto | $249 | $2,988 | -14% |
| New Smyrna Beach | $235 | $2,823 | -20% |
| Ormond Beach | $237 | $2,849 | -19% |
| Pomona Park | $247 | $2,963 | -15% |
| Satsuma | $247 | $2,967 | -15% |
| Jacksonville | $268 | $3,212 | -7% |
| Neptune Beach | $241 | $2,889 | -18% |
| Tallahassee | $240 | $2,885 | -18% |
| Apalachicola | $230 | $2,758 | -22% |
| North Port | $218 | $2,614 | -28% |
| Crystal River | $245 | $2,935 | -16% |
| Ocala | $235 | $2,817 | -20% |
| Homosassa | $246 | $2,955 | -15% |
| Brooksville | $274 | $3,287 | -5% |
| Istachatta | $271 | $3,253 | -6% |
| Bartow | $268 | $3,214 | -7% |
| Davenport | $273 | $3,278 | -5% |
| Frostproof | $267 | $3,200 | -8% |
| Intercession City | $274 | $3,283 | -5% |
| Lakeshore | $268 | $3,212 | -7% |
| Estero | $229 | $2,747 | -23% |
| Fort Myers Beach | $226 | $2,712 | -24% |
| Fleming Island | $247 | $2,958 | -15% |
| Eagle Lake | $267 | $3,206 | -7% |
| Lake Wales | $268 | $3,218 | -7% |
| Lorida | $247 | $2,959 | -15% |
| Ona | $250 | $2,996 | -14% |
| Winter Haven | $267 | $3,207 | -7% |
| Bokeelia | $231 | $2,770 | -22% |
| Felda | $258 | $3,093 | -11% |
| Bowling Green | $250 | $3,002 | -14% |
| Eaton Park | $260 | $3,118 | -10% |
| Haines City | $277 | $3,321 | -4% |
| Lake Placid | $246 | $2,952 | -16% |
| Sebring | $245 | $2,944 | -16% |
| Babson Park | $265 | $3,180 | -8% |
| Lake Hamilton | $274 | $3,294 | -5% |
| Mulberry | $265 | $3,185 | -8% |
| Captiva | $224 | $2,692 | -25% |
| Palmdale | $247 | $2,962 | -15% |
| Avon Park | $247 | $2,966 | -15% |
| Bradley | $267 | $3,206 | -7% |
| Kathleen | $263 | $3,161 | -9% |
| Indian Lake Estates | $268 | $3,213 | -7% |
| Wauchula | $246 | $2,957 | -15% |
| Labelle | $260 | $3,123 | -10% |
| Yulee | $233 | $2,799 | -21% |
| Middleburg | $245 | $2,942 | -16% |
| Jennings | $242 | $2,905 | -17% |
| Ponte Vedra | $224 | $2,688 | -25% |
| Wellborn | $237 | $2,844 | -19% |
| Palm Coast | $258 | $3,092 | -11% |
| Immokalee | $256 | $3,078 | -11% |
| Osprey | $225 | $2,704 | -24% |
| Sarasota | $232 | $2,784 | -21% |
| Callahan | $237 | $2,838 | -20% |
| Jasper | $241 | $2,896 | -17% |
| Lawtey | $232 | $2,789 | -21% |
| Live Oak | $236 | $2,832 | -20% |
| Orange Park | $246 | $2,951 | -16% |
| Crescent City | $248 | $2,971 | -15% |
| Saint Petersburg | $307 | $3,684 | +7% |
| Clearwater | $297 | $3,570 | +3% |
| Pinellas Park | $298 | $3,579 | +4% |
| West Palm Beach | $362 | $4,339 | +23% |
| Lake Worth | $366 | $4,394 | +24% |
| Jupiter | $293 | $3,518 | +2% |
| Bostwick | $246 | $2,956 | -15% |
| Zolfo Springs | $249 | $2,991 | -14% |
| Placida | $221 | $2,655 | -26% |
| Fort Lauderdale | $334 | $4,010 | +15% |
| Largo | $291 | $3,496 | +1% |
| Seminole | $289 | $3,472 | +1% |
| Lakeland | $264 | $3,170 | -9% |
| Plantation | $331 | $3,973 | +14% |
| Boynton Beach | $382 | $4,580 | +28% |
| Delray Beach | $374 | $4,487 | +26% |
| Hobe Sound | $248 | $2,976 | -15% |
| Tampa | $347 | $4,163 | +19% |
| Jacksonville Beach | $241 | $2,891 | -18% |
| Venice | $217 | $2,602 | -28% |
| Inverness | $244 | $2,931 | -16% |
| Lecanto | $244 | $2,927 | -16% |
| Land O Lakes | $306 | $3,673 | +6% |
| Aripeka | $310 | $3,723 | +8% |
| Bristol | $238 | $2,857 | -19% |
| Carrabelle | $232 | $2,785 | -21% |
| Belleview | $223 | $2,681 | -25% |
| Holder | $245 | $2,939 | -16% |
| Silver Springs | $226 | $2,716 | -24% |
| Spring Hill | $283 | $3,397 | -2% |
| Palm Harbor | $310 | $3,720 | +7% |
| Sanford | $248 | $2,973 | -15% |
| Winter Park | $251 | $3,014 | -14% |
| Nobleton | $271 | $3,247 | -6% |
| Hudson | $307 | $3,685 | +7% |
| Sparr | $222 | $2,658 | -26% |
| Dunnellon | $225 | $2,699 | -24% |
| Summerfield | $222 | $2,660 | -26% |
| New Port Richey | $312 | $3,738 | +8% |
| Ozona | $301 | $3,613 | +5% |
| Indian Rocks Beach | $288 | $3,454 | +0% |
| Yankeetown | $233 | $2,792 | -21% |
| Crystal Beach | $301 | $3,609 | +4% |
| Indialantic | $228 | $2,738 | -23% |
| Satellite Beach | $228 | $2,734 | -23% |
| Rockledge | $232 | $2,787 | -21% |
| Glen Saint Mary | $236 | $2,837 | -20% |
| Hilliard | $233 | $2,793 | -21% |
| Lee | $237 | $2,847 | -19% |
| Olustee | $235 | $2,816 | -20% |
| Hastings | $222 | $2,659 | -26% |
| Sanibel | $223 | $2,680 | -25% |
| Dundee | $273 | $3,279 | -5% |
| Murdock | $227 | $2,722 | -24% |
| Fernandina Beach | $232 | $2,784 | -21% |
| Fort White | $234 | $2,802 | -21% |
| Mc Alpin | $236 | $2,831 | -20% |
| Lulu | $236 | $2,831 | -20% |
| Raiford | $232 | $2,778 | -22% |
| Hollister | $244 | $2,934 | -16% |
| Belleair Beach | $286 | $3,428 | -1% |
| Clearwater Beach | $291 | $3,492 | +1% |
| Palm Bay | $241 | $2,889 | -18% |
| Starke | $232 | $2,789 | -21% |
| Bunnell | $241 | $2,892 | -18% |
| Grandin | $244 | $2,934 | -16% |
| Georgetown | $250 | $2,994 | -14% |
| Marco Island | $218 | $2,614 | -28% |
| Oneco | $241 | $2,891 | -18% |
| Arcadia | $243 | $2,921 | -17% |
| Palm Beach Gardens | $299 | $3,584 | +4% |
| Ponte Vedra Beach | $232 | $2,786 | -21% |
| Lake Butler | $231 | $2,774 | -22% |
| O Brien | $235 | $2,816 | -20% |
| Florahome | $248 | $2,970 | -15% |
| Lake Como | $245 | $2,939 | -16% |
| Lady Lake | $226 | $2,717 | -24% |
| Miami | $371 | $4,455 | +25% |
| Macclenny | $235 | $2,826 | -20% |
| Candler | $224 | $2,683 | -25% |
| De Leon Springs | $245 | $2,934 | -16% |
| Venus | $243 | $2,911 | -17% |
| Terra Ceia | $246 | $2,950 | -16% |
| Myakka City | $245 | $2,945 | -16% |
| Melbourne | $235 | $2,817 | -20% |
| Cocoa Beach | $228 | $2,731 | -23% |
| Deland | $248 | $2,973 | -15% |
| Eustis | $229 | $2,752 | -23% |
| Casselberry | $248 | $2,975 | -15% |
| Deltona | $249 | $2,986 | -14% |
| Lake Mary | $249 | $2,986 | -14% |
| Longwood | $251 | $3,011 | -14% |
| Oviedo | $250 | $3,005 | -14% |
| Chokoloskee | $216 | $2,595 | -28% |
| Cortez | $242 | $2,898 | -17% |
| Bradenton Beach | $248 | $2,980 | -15% |
| Longboat Key | $240 | $2,878 | -18% |
| Pensacola | $245 | $2,936 | -16% |
| Baker | $224 | $2,693 | -25% |
| Fort Walton Beach | $220 | $2,646 | -26% |
| Milton | $223 | $2,678 | -25% |
| Alachua | $215 | $2,580 | -29% |
| Melrose | $238 | $2,854 | -19% |
| Bryceville | $235 | $2,822 | -20% |
| Elkton | $223 | $2,678 | -25% |
| Hampton | $232 | $2,786 | -21% |
| White Springs | $242 | $2,907 | -17% |
| Fountain | $219 | $2,627 | -27% |
| Port Saint Joe | $222 | $2,670 | -26% |
| Santa Rosa Beach | $204 | $2,454 | -34% |
| Flagler Beach | $239 | $2,872 | -18% |
| Saint James City | $230 | $2,757 | -22% |
| Copeland | $220 | $2,644 | -26% |
| Everglades City | $216 | $2,595 | -28% |
| Englewood | $218 | $2,617 | -28% |
| Doctors Inlet | $244 | $2,932 | -16% |
| Sanderson | $235 | $2,817 | -20% |
| Citra | $225 | $2,695 | -25% |
| Eastlake Weir | $222 | $2,659 | -26% |
| Ochopee | $223 | $2,671 | -26% |
| Fort Ogden | $244 | $2,934 | -16% |
| Branford | $238 | $2,862 | -19% |
| Auburndale | $263 | $3,153 | -9% |
| River Ranch | $269 | $3,227 | -7% |
| Alva | $239 | $2,873 | -18% |
| Eastpoint | $231 | $2,777 | -22% |
| Hosford | $238 | $2,859 | -19% |
| Panama City | $219 | $2,629 | -27% |
| Blountstown | $237 | $2,841 | -19% |
| Defuniak Springs | $208 | $2,499 | -32% |
| Freeport | $205 | $2,462 | -33% |
| Lynn Haven | $220 | $2,639 | -27% |
| Ferndale | $235 | $2,819 | -20% |
| Kissimmee | $281 | $3,375 | -2% |
| Fort Pierce | $257 | $3,089 | -11% |
| Jensen Beach | $262 | $3,149 | -9% |
| Palm City | $250 | $2,996 | -14% |
| Deerfield Beach | $355 | $4,256 | +21% |
| Panacea | $233 | $2,800 | -21% |
| Holiday | $312 | $3,746 | +8% |
| Leesburg | $228 | $2,736 | -23% |
| Winter Garden | $269 | $3,227 | -7% |
| Port Saint Lucie | $263 | $3,156 | -9% |
| Stuart | $249 | $2,991 | -14% |
| Hialeah | $381 | $4,567 | +28% |
| Hollywood | $351 | $4,211 | +20% |
| Homestead | $369 | $4,434 | +25% |
| Key West | $254 | $3,043 | -13% |
| Pompano Beach | $350 | $4,201 | +20% |
| Tavernier | $264 | $3,165 | -9% |
| Ocklawaha | $222 | $2,659 | -26% |
| Putnam Hall | $243 | $2,915 | -17% |
| Welaka | $250 | $2,997 | -14% |
| Saint Johns | $229 | $2,746 | -23% |
| Lanark Village | $235 | $2,821 | -20% |
| Nokomis | $223 | $2,678 | -25% |
| Floral City | $244 | $2,930 | -16% |
| Port Richey | $310 | $3,714 | +7% |
| Palatka | $247 | $2,968 | -15% |
| Atlantic Beach | $242 | $2,898 | -17% |
| Beverly Hills | $243 | $2,921 | -17% |
| Oxford | $218 | $2,621 | -27% |
| North Palm Beach | $312 | $3,750 | +8% |
| Palm Beach | $392 | $4,703 | +31% |
| Marianna | $226 | $2,710 | -24% |
| Vernon | $225 | $2,701 | -24% |
| Dunedin | $300 | $3,602 | +4% |
| Okahumpka | $227 | $2,719 | -24% |
| Saint Cloud | $269 | $3,232 | -7% |
| Okeechobee | $244 | $2,927 | -16% |
| Crestview | $224 | $2,683 | -25% |
| Jay | $222 | $2,669 | -26% |
| Mary Esther | $221 | $2,649 | -26% |
| Molino | $243 | $2,916 | -17% |
| Anthony | $226 | $2,718 | -24% |
| Bell | $239 | $2,871 | -18% |
| Bronson | $237 | $2,845 | -19% |
| Cedar Key | $236 | $2,836 | -20% |
| Evinston | $219 | $2,626 | -27% |
| Gainesville | $216 | $2,595 | -28% |
| Chiefland | $237 | $2,845 | -19% |
| Micanopy | $217 | $2,606 | -28% |
| Orange Lake | $217 | $2,606 | -28% |
| Pahokee | $334 | $4,005 | +15% |
| Dover | $311 | $3,738 | +8% |
| Wesley Chapel | $301 | $3,615 | +5% |
| Paxton | $218 | $2,622 | -27% |
| Hurlburt Field | $220 | $2,646 | -26% |
| Moore Haven | $249 | $2,991 | -14% |
| Canal Point | $331 | $3,976 | +14% |
| Clewiston | $264 | $3,167 | -9% |
| Valparaiso | $219 | $2,632 | -27% |
| Gretna | $237 | $2,839 | -19% |
| Monticello | $237 | $2,847 | -19% |
| Sopchoppy | $234 | $2,807 | -21% |
| Bonifay | $226 | $2,715 | -24% |
| Clarksville | $235 | $2,815 | -20% |
| Ebro | $223 | $2,677 | -25% |
| Wewahitchka | $229 | $2,743 | -23% |
| Ponce De Leon | $217 | $2,607 | -28% |
| Groveland | $232 | $2,786 | -21% |
| Killarney | $270 | $3,237 | -6% |
| Wellington | $356 | $4,277 | +21% |
| Mexico Beach | $218 | $2,619 | -27% |
| Alford | $226 | $2,708 | -24% |
| Cottondale | $227 | $2,719 | -24% |
| Rosemary Beach | $209 | $2,505 | -32% |
| Safety Harbor | $296 | $3,556 | +3% |
| Clermont | $235 | $2,817 | -20% |
| Salem | $241 | $2,890 | -18% |
| High Springs | $223 | $2,673 | -25% |
| Key Largo | $271 | $3,252 | -6% |
| Miami Beach | $364 | $4,373 | +24% |
| Havana | $234 | $2,812 | -20% |
| Quincy | $235 | $2,817 | -20% |
| Shady Grove | $245 | $2,937 | -16% |
| Mossy Head | $210 | $2,518 | -31% |
| Ocoee | $275 | $3,304 | -4% |
| Patrick Afb | $227 | $2,720 | -24% |
| Maitland | $257 | $3,081 | -11% |
| Mount Dora | $247 | $2,959 | -15% |
| Sorrento | $235 | $2,826 | -20% |
| Tavares | $229 | $2,743 | -23% |
| Big Pine Key | $254 | $3,048 | -12% |
| Apopka | $264 | $3,168 | -9% |
| Christmas | $260 | $3,118 | -10% |
| Winter Springs | $248 | $2,970 | -15% |
| Umatilla | $222 | $2,669 | -26% |
| Zellwood | $257 | $3,088 | -11% |
| Gibsonton | $327 | $3,924 | +13% |
| Lithia | $300 | $3,598 | +4% |
| Crawfordville | $235 | $2,823 | -20% |
| Lloyd | $241 | $2,891 | -18% |
| Destin | $222 | $2,663 | -26% |
| Gulf Breeze | $228 | $2,736 | -23% |
| Laurel Hill | $225 | $2,696 | -25% |
| Mc David | $235 | $2,820 | -20% |
| Archer | $218 | $2,611 | -28% |
| Horseshoe Beach | $242 | $2,901 | -17% |
| Lowell | $220 | $2,645 | -26% |
| San Mateo | $244 | $2,932 | -16% |
| Seville | $244 | $2,931 | -16% |
| Weirsdale | $222 | $2,661 | -26% |
| Inglis | $235 | $2,819 | -20% |
| Key Colony Beach | $257 | $3,080 | -11% |
| Opa Locka | $375 | $4,505 | +26% |
| Belle Glade | $331 | $3,973 | +14% |
| Lake Harbor | $320 | $3,842 | +11% |
| Dania | $346 | $4,154 | +18% |
| Hallandale | $383 | $4,602 | +29% |
| Milligan | $224 | $2,691 | -25% |
| Miramar Beach | $210 | $2,520 | -31% |
| Morriston | $235 | $2,818 | -20% |
| Grand Ridge | $227 | $2,727 | -23% |
| Montverde | $236 | $2,828 | -20% |
| Windermere | $271 | $3,248 | -6% |
| Cape Canaveral | $225 | $2,702 | -24% |
| Fellsmere | $235 | $2,814 | -20% |
| Ellenton | $250 | $2,996 | -14% |
| Tallevast | $235 | $2,821 | -20% |
| Loxahatchee | $334 | $4,007 | +15% |
| Brandon | $333 | $3,998 | +15% |
| Zephyrhills | $300 | $3,604 | +4% |
| Riverview | $322 | $3,864 | +11% |
| Thonotosassa | $322 | $3,869 | +11% |
| Durant | $307 | $3,685 | +7% |
| Sumterville | $218 | $2,620 | -27% |
| Grant | $240 | $2,882 | -18% |
| Malabar | $241 | $2,886 | -18% |
| Merritt Island | $229 | $2,747 | -23% |
| Long Key | $258 | $3,095 | -11% |
| Melbourne Beach | $228 | $2,739 | -23% |
| North Miami Beach | $397 | $4,768 | +32% |
| Islamorada | $263 | $3,159 | -9% |
| Miami Gardens | $375 | $4,503 | +26% |
| Greenville | $241 | $2,891 | -18% |
| Youngstown | $218 | $2,611 | -28% |
| Perry | $242 | $2,903 | -17% |
| Saint Marks | $234 | $2,802 | -21% |
| Telogia | $239 | $2,867 | -18% |
| Altha | $233 | $2,795 | -21% |
| Chipley | $224 | $2,687 | -25% |
| Bushnell | $221 | $2,654 | -26% |
| San Antonio | $305 | $3,660 | +6% |
| Seffner | $316 | $3,794 | +9% |
| Homeland | $270 | $3,241 | -6% |
| Lake Alfred | $272 | $3,260 | -6% |
| Nalcrest | $271 | $3,248 | -6% |
| Nichols | $267 | $3,206 | -7% |
| Boca Grande | $226 | $2,707 | -24% |
| El Jobean | $223 | $2,674 | -25% |
| Pierson | $243 | $2,921 | -17% |
| Orange Springs | $224 | $2,693 | -25% |
| Hernando | $246 | $2,957 | -15% |
| Oldsmar | $299 | $3,590 | +4% |
| Niceville | $219 | $2,632 | -27% |
| Brooker | $228 | $2,734 | -23% |
| Earleton | $218 | $2,621 | -27% |
| Lochloosa | $219 | $2,626 | -27% |
| Mc Intosh | $217 | $2,606 | -28% |
| Newberry | $216 | $2,598 | -28% |
| Coleman | $221 | $2,655 | -26% |
| Sydney | $310 | $3,723 | +8% |
| Sumatra | $297 | $3,567 | +3% |
| Madison | $239 | $2,868 | -18% |
| Panama City Beach | $221 | $2,649 | -26% |
| Argyle | $210 | $2,518 | -31% |
| Bascom | $225 | $2,703 | -24% |
| Malone | $225 | $2,702 | -24% |
| Noma | $228 | $2,731 | -23% |
| Sneads | $227 | $2,730 | -23% |
| Wausau | $225 | $2,699 | -24% |
| Mascotte | $234 | $2,808 | -21% |
| Yalaha | $227 | $2,729 | -23% |
| Holt | $221 | $2,650 | -26% |
| Pineland | $223 | $2,680 | -25% |
| Parrish | $249 | $2,992 | -14% |
| Pinetta | $239 | $2,871 | -18% |
| Key Biscayne | $354 | $4,251 | +21% |
| Eglin Afb | $220 | $2,637 | -27% |
| Wabasso | $236 | $2,838 | -20% |
| Cantonment | $238 | $2,857 | -19% |
| Century | $233 | $2,792 | -21% |
| Navarre | $223 | $2,678 | -25% |
| Shalimar | $220 | $2,641 | -27% |
| Fairfield | $220 | $2,645 | -26% |
| Gulf Hammock | $233 | $2,796 | -21% |
| Reddick | $223 | $2,670 | -26% |
| Greensboro | $234 | $2,808 | -21% |
| Lamont | $239 | $2,869 | -18% |
| Midway | $233 | $2,802 | -21% |
| Steinhatchee | $242 | $2,906 | -17% |
| Campbellton | $225 | $2,700 | -24% |
| Summerland Key | $253 | $3,038 | -13% |
| Suwannee | $241 | $2,896 | -17% |
| Altamonte Springs | $250 | $2,998 | -14% |
| Lake Helen | $247 | $2,960 | -15% |
| Scottsmoor | $251 | $3,014 | -14% |
| Caryville | $224 | $2,687 | -25% |
| Greenwood | $225 | $2,702 | -24% |
| Westville | $224 | $2,688 | -25% |
| Tarpon Springs | $315 | $3,779 | +9% |
| Astatula | $230 | $2,758 | -22% |
| Fruitland Park | $227 | $2,718 | -24% |
| Howey In The Hills | $233 | $2,791 | -21% |
| Kenansville | $271 | $3,247 | -6% |
| Wildwood | $219 | $2,628 | -27% |
| Pembroke Pines | $338 | $4,057 | +16% |
| La Crosse | $214 | $2,574 | -29% |
| Otter Creek | $233 | $2,796 | -21% |
| Chattahoochee | $235 | $2,820 | -20% |
| Graceville | $226 | $2,709 | -24% |
| Gotha | $273 | $3,279 | -5% |
| Indiantown | $250 | $3,002 | -14% |
| Cross City | $242 | $2,905 | -17% |
| Island Grove | $219 | $2,626 | -27% |
| Keystone Heights | $236 | $2,835 | -20% |
| Hawthorne | $221 | $2,651 | -26% |
| Old Town | $242 | $2,909 | -17% |
| Lake Monroe | $248 | $2,980 | -15% |
| Debary | $248 | $2,974 | -15% |
| Plymouth | $258 | $3,091 | -11% |
| Mid Florida | $245 | $2,944 | -16% |
| Grand Island | $227 | $2,729 | -23% |
| Mims | $242 | $2,901 | -17% |
| Orange City | $249 | $2,983 | -15% |
| Titusville | $227 | $2,726 | -23% |
| Williston | $236 | $2,829 | -20% |
| Paisley | $234 | $2,807 | -21% |
| Waldo | $218 | $2,619 | -27% |
| Glenwood | $248 | $2,975 | -15% |
| Trenton | $237 | $2,843 | -19% |
| Altoona | $228 | $2,736 | -23% |
| Oak Hill | $243 | $2,917 | -17% |
| Cassadaga | $246 | $2,947 | -16% |
| Geneva | $247 | $2,967 | -15% |
| Osteen | $248 | $2,972 | -15% |
| Trilby | $296 | $3,549 | +3% |
| Marathon | $255 | $3,060 | -12% |
| Odessa | $318 | $3,812 | +10% |
| Webster | $227 | $2,720 | -24% |
| Wimauma | $303 | $3,638 | +5% |
| Sun City | $299 | $3,589 | +4% |
| Marathon Shores | $257 | $3,080 | -11% |
| South Bay | $330 | $3,954 | +14% |
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.
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 30 on, car insurance rates in Florida generally decrease with age for drivers with a clean driving record.
|
Age
|
Average annual full coverage premium in FL
|
Average minimum coverage premium in FL
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in FL
$7,614
|
Average minimum coverage premium in FL
$2,464
|
|
Age 18
|
Average annual full coverage premium in FL
$10,047
|
Average minimum coverage premium in FL
$3,234
|
|
Age 20
|
Average annual full coverage premium in FL
$7,440
|
Average minimum coverage premium in FL
$2,272
|
|
Age 25
|
Average annual full coverage premium in FL
$4,422
|
Average minimum coverage premium in FL
$1,308
|
|
Age 30
|
Average annual full coverage premium in FL
$3,730
|
Average minimum coverage premium in FL
$1,127
|
|
Age 40
|
Average annual full coverage premium in FL
$3,476
|
Average minimum coverage premium in FL
$1,057
|
|
Age 50
|
Average annual full coverage premium in FL
$3,323
|
Average minimum coverage premium in FL
$1,014
|
|
Age 60
|
Average annual full coverage premium in FL
$3,241
|
Average minimum coverage premium in FL
$1,001
|
|
Age 70
|
Average annual full coverage premium in FL
$3,469
|
Average minimum coverage premium in FL
$1,097
|
|
Age
|
Average annual full coverage premium in FL
|
Average minimum coverage premium in FL
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in FL
$6,910
|
Average minimum coverage premium in FL
$2,373
|
|
Age 18
|
Average annual full coverage premium in FL
$8,822
|
Average minimum coverage premium in FL
$3,041
|
|
Age 20
|
Average annual full coverage premium in FL
$6,514
|
Average minimum coverage premium in FL
$2,164
|
|
Age 25
|
Average annual full coverage premium in FL
$4,258
|
Average minimum coverage premium in FL
$1,396
|
|
Age 30
|
Average annual full coverage premium in FL
$3,708
|
Average minimum coverage premium in FL
$1,218
|
|
Age 40
|
Average annual full coverage premium in FL
$3,427
|
Average minimum coverage premium in FL
$1,052
|
|
Age 50
|
Average annual full coverage premium in FL
$3,351
|
Average minimum coverage premium in FL
$1,073
|
|
Age 60
|
Average annual full coverage premium in FL
$3,189
|
Average minimum coverage premium in FL
$1,013
|
|
Age 70
|
Average annual full coverage premium in FL
$3,488
|
Average minimum coverage premium in FL
$1,119
|
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, whether or not you’re insured on your own policy plays a significant role in the cost of your coverage. On average, young drivers in Florida pay 28 percent less by remaining on their parent’s policy while living with them.
|
Age
|
Avg. annual premium for drivers in FL
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in FL
$7,262
|
|
Age 17
|
Avg. annual premium for drivers in FL
$6,812
|
|
Age 18
|
Avg. annual premium for drivers in FL
$6,475
|
|
Age 19
|
Avg. annual premium for drivers in FL
$5,545
|
|
Age 20
|
Avg. annual premium for drivers in FL
$5,257
|
|
Age
|
Avg. annual premium for drivers in FL
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in FL
$9,435
|
|
Age 19
|
Avg. annual premium for drivers in FL
$7,524
|
|
Age 20
|
Avg. annual premium for drivers in FL
$6,977
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 46 percent more |
| Age 19 | 36 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 17 percent more than the state average. Having a DUI costs about 55 percent more, while an accident could increase rates by 37 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.
|
Driving incident
|
Avg. annual premium* in FL
|
Percentage increase from FL avg. annual premium*
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in FL
$3,451
|
Percentage increase from FL avg. annual premium*
0%
|
|
Avg. annual premium* in FL
$4,039
|
Percentage increase from FL avg. annual premium*
17%
|
|
|
Avg. annual premium* in FL
$4,742
|
Percentage increase from FL avg. annual premium*
37%
|
|
|
Avg. annual premium* in FL
$5,336
|
Percentage increase from FL avg. annual premium*
55%
|
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 16 percent less than average. Those with average credit pay around 15 percent more than the state average. However, if you have poor credit, you may pay 107 percent more than the average car insurance cost in Florida.
|
Credit tier
|
Avg. annual premium* in FL
|
Percentage difference from FL avg. annual premium*
|
|---|---|---|
|
Avg. annual premium* in FL
$7,159
|
Percentage difference from FL avg. annual premium*
107%
|
|
|
Average
|
Avg. annual premium* in FL
$3,985
|
Percentage difference from FL avg. annual premium*
15%
|
|
Avg. annual premium* in FL
$3,451
|
Percentage difference from FL avg. annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in FL
$2,899
|
Percentage difference from FL avg. annual premium*
-16%
|
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.
|
Vehicle
|
Avg. annual premium* in FL
|
|---|---|
|
Avg. annual premium* in FL
$3,451
|
|
|
Avg. annual premium* in FL
$3,292
|
|
|
Avg. annual premium* in FL
$3,246
|
|
|
BMW 330i
|
Avg. annual premium* in FL
$3,873
|
|
Toyota Prius
|
Avg. annual premium* in FL
$3,761
|
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
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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 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
Methodology
Bankrate utilizes Quadrant Information Services to analyze September 2024 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 coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.
