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Average cost of car insurance in Florida for 2025

Updated Jan 17, 2025
Florida car insurance rates tend to be on the higher side — the average cost is $4,171 for full coverage and $1,135 for minimum coverage, according to Bankrate’s research. 
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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 $4,171 for full coverage and $1,135 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 $348 per month, while minimum coverage is $95 per month.
  • Full coverage car insurance in Florida costs 58 percent more than the average cost of car insurance nationwide.
  • Minimum coverage car insurance in Florida costs around 48 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.

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

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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
$8,662
Average minimum coverage premium in FL
$2,516
Age 18
Average annual full coverage premium in FL
$11,098
Average minimum coverage premium in FL
$3,129
Age 20
Average annual full coverage premium in FL
$8,546
Average minimum coverage premium in FL
$2,350
Age 25
Average annual full coverage premium in FL
$5,163
Average minimum coverage premium in FL
$1,348
Age 30
Average annual full coverage premium in FL
$4,402
Average minimum coverage premium in FL
$1,161
Age 40
Average annual full coverage premium in FL
$4,110
Average minimum coverage premium in FL
$1,086
Age 50
Average annual full coverage premium in FL
$3,944
Average minimum coverage premium in FL
$1,037
Age 60
Average annual full coverage premium in FL
$3,828
Average minimum coverage premium in FL
$1,023
Age 70
Average annual full coverage premium in FL
$4,031
Average minimum coverage premium in FL
$1,123
Age 40
Average annual full coverage premium in FL
$4,110
Average minimum coverage premium in FL
$1,086
Age 50
Average annual full coverage premium in FL
$3,944
Average minimum coverage premium in FL
$1,037
Age 60
Average annual full coverage premium in FL
$3,828
Average minimum coverage premium in FL
$1,023
Age 70
Average annual full coverage premium in FL
$4,031
Average minimum coverage premium in FL
$1,123
*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
$7,951
Average minimum coverage premium in FL
$2,435
Age 18
Average annual full coverage premium in FL
$9,746
Average minimum coverage premium in FL
$2,955
Age 20
Average annual full coverage premium in FL
$7,562
Average minimum coverage premium in FL
$2,245
Age 25
Average annual full coverage premium in FL
$5,030
Average minimum coverage premium in FL
$1,441
Age 30
Average annual full coverage premium in FL
$4,464
Average minimum coverage premium in FL
$1,259
Age 40
Average annual full coverage premium in FL
$4,231
Average minimum coverage premium in FL
$1,183
Age 50
Average annual full coverage premium in FL
$3,967
Average minimum coverage premium in FL
$1,083
Age 60
Average annual full coverage premium in FL
$3,754
Average minimum coverage premium in FL
$1,037
Age 70
Average annual full coverage premium in FL
$4,016
Average minimum coverage premium in FL
$1,144
Age 40
Average annual full coverage premium in FL
$4,231
Average minimum coverage premium in FL
$1,183
Age 50
Average annual full coverage premium in FL
$3,967
Average minimum coverage premium in FL
$1,083
Age 60
Average annual full coverage premium in FL
$3,754
Average minimum coverage premium in FL
$1,037
Age 70
Average annual full coverage premium in FL
$4,016
Average minimum coverage premium in FL
$1,144
*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
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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 28 percent less by remaining on their parent’s policy while living with them.

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Age 16*
Avg. annual premium for drivers in FL
$8,306
Age 17
Avg. annual premium for drivers in FL
$7,791
Age 18
Avg. annual premium for drivers in FL
$7,315
Age 19
Avg. annual premium for drivers in FL
$6,316
Age 20
Avg. annual premium for drivers in FL
$5,982
*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
$10,422
Age 19
Avg. annual premium for drivers in FL
$8,688
Age 20
Avg. annual premium for drivers in FL
$8,054
*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 42 percent more
Age 19 38 percent more
Age 20 35 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 16 percent more than the state average. Having a DUI costs about 48 percent more, while an accident could increase rates by 35 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
$4,171
Percentage increase from FL avg. annual premium*
0%
Avg. annual premium* in FL
$4,845
Percentage increase from FL avg. annual premium*
16%
Avg. annual premium* in FL
$5,615
Percentage increase from FL avg. annual premium*
35%
Avg. annual premium* in FL
$6,167
Percentage increase from FL avg. annual premium*
48%
*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 13 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
$8,254
Percentage difference from FL avg. annual premium*
98%
Average
Avg. annual premium* in FL
$4,709
Percentage difference from FL avg. annual premium*
13%
Avg. annual premium* in FL
$4,171
Percentage difference from FL avg. annual premium*
0%
Excellent
Avg. annual premium* in FL
$3,466
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
$4,171
Avg. annual premium* in FL
$3,840
Avg. annual premium* in FL
$3,885
BMW 330i
Avg. annual premium* in FL
$4,543
Toyota Prius
Avg. annual premium* in FL
$4,376
*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.

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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

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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze January 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 coverage levels:

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40 year old
Single male and female driver
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2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
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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

Other profiles

These are sample rates and should only be used for comparative purposes. 



Written by
Natalie Todoroff
Writer, 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 Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute