Average Cost of Car Insurance in Florida

By Coverage Level

On average, car insurance in Florida costs $3,725 annually ($310 monthly) for full coverage and $1,228 annually ($102 monthly) for minimum coverage. The more coverage you add and the higher your limits, the more you can expect to pay.

By Company

Car insurance rates can also vary significantly by company, so it’s always a good idea to get several quotes to see which provider offers you the best deal for your situation. In Florida, Travelers has the cheapest average rates at $2,436 per year for full coverage.

By Age

Teen drivers face the highest costs for car insurance across every state. The average teenager in Florida pays between $4,700 and $6,400 annually for car insurance, compared to an average of $3,540 for those in their 20s and older. Meanwhile, senior drivers in Florida who are in their 60s have the lowest rates.

By City

Car insurance premiums in major Florida cities tend to be higher than in other areas of the state due to traffic congestion and a higher risk of accidents and theft. Among the state’s largest cities, Miami has the highest rates at $4,787 annually, which is 29 percent higher than the state average. Jacksonville has an annual average premium of $3,575, which is below the state average.

By Driving History

If you have a speeding ticket, at-fault accident or DUI on your driving record, you should expect to pay more for car insurance. In general, the more severe the violation, the higher your premium. In Florida, drivers with a DUI pay an average of 39 percent more per year than drivers with clean driving records.

By Credit Score

Florida law allows for insurers to consider credit history when determining premiums. Drivers with poor credit in Florida will pay higher premiums — over double the average of those with an excellent credit history.

Travelers, GEICO, and UAIC have some of the cheapest insurance rates in Florida, depending on your driver profile.

Average rates in Florida are not available for USAA, but nationally the company offers competitive rates to military members, veterans, and their families.

The following strategies can help you find the best rates and keep your premium as low as possible:

1. Shop around and compare annually. Rates vary by provider, so get a quote from at least three providers to find the lowest rates. It’s a good idea to shop after major changes like moving ZIP codes, adding a young driver, or buying a new car.
2. Bundle policies. Buy homeowners, renters, or umbrella insurance from the same company as your auto provider to unlock significant discounts — often between 10 and 25 percent.
3. Increase deductibles and drop unneeded coverage. Opt for higher deductibles (e.g., $1,000 vs. $500) to lower premiums, as long as you can afford to pay it if you need to file a claim. You might also consider dropping collision and comprehensive coverage on an older vehicle if the policy costs more than around 10 percent of the vehicle’s value.
4. Take approved driving courses. Complete a state-approved driver improvement course after a minor moving violation to potentially prevent points from hitting your record and increasing premiums. Florida allows the “ticket forgiveness” route up to five times in a lifetime, once per year.
5. Take advantage of discounts and telematics programs. Ask your insurer about available discounts like safe-driving, paperless billing, good grades for students, or low mileage. Telematics programs — like Progressive’s Snapshot or State Farm’s Drive Safe & Save — reward safe and low-mileage drivers. You may be able to save up to 30 percent with a telematics program.
6. Maintain a clean driving record. A history free from accidents or tickets is the most reliable and long-term way to keep premiums low.

How Seniors in Florida Can Save on Car Insurance

Florida drivers aged 55+ have specific opportunities to reduce costs:

Mature Driver (Senior) Discount Course

Florida law allows drivers 55+ to take an approved mature-driver course and secure a discount often lasting three years.¹

Florida’s minimum coverage for car insurance is made up of only two components:

• Property damage liability: $10,000 per accident
• Personal injury protection (PIP): $10,000²

This coverage is minimal compared to other states; it’s often wise to purchase full coverage to pay for any property damage from collisions and other events.

Florida is a no-fault state, which means that regardless of who caused a car accident, each person is responsible for their own medical costs under PIP. The responsible party is still liable for the other party’s property damages, as well as their own property damages. Along with medical costs, PIP also covers lost wages and other economic damages, unlike the medical payments coverage of at-fault states.

In addition to SR-22 forms, Florida is one of two states that also use FR-44s, depending on the violation. These forms are required for those convicted of certain violations — FR-44s are required for more severe violations, such as DUIs — and serve as proof that the driver carries the minimum required insurance.

With an SR-22, the minimum required insurance is:

• Bodily injury: $10,000 per person and $20,000 per accident
• Property damage: $10,000 per accident

With an FR-44,  the minimum required insurance is:

• Bodily injury: $100,000 per person and $300,000 per accident
• Property damage: $50,000 per accident

Although Florida has high car insurance costs on average, you can save money by maintaining a good driving record, keeping your credit score high, and comparing quotes from different insurance companies.

Always shop the market, as companies give different discounts for different qualifications, and be sure to compare rates “apples to apples” with the same amounts for bodily injury liability per person or per accident, property damage liability per accident and more. The cheapest car insurance for you may be different from your neighbor, so it’s worth a bit of legwork.

We evaluate average car insurance rates in Florida for full and minimum coverage for good drivers with good credit. We also review premiums for drivers with DUIs, speeding violations, poor credit, and young drivers. Our full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Personal injury protection: $10,000 per person
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible