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Last updated: June 27, 2025
Average Cost of Car Insurance in Florida
How much is car insurance in the Sunshine State?
Compare quotes from top providers
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Florida is known as a car state. With a lack of public transportation and a plethora of intrastate highways, the state is infamous for its traffic and aggressive driving. Florida is also a no-fault insurance state, which affects the cost of car insurance. Unfortunately for Florida drivers, the state also has some of the highest car insurance costs in the nation on average.
Of course, how much you’ll pay depends on many factors, including your age, ZIP code, gender and credit score. Here’s a breakdown of what you can expect in the Sunshine State.
How Much is Car Insurance in Florida?
On average, car insurance in Florida is $3,268 annually ($272 monthly) for full coverage and $1,589 annually ($132 monthly) for minimum coverage.
| Coverage level | Average annual cost in Florida | Average annual cost in the U.S. | FL difference from national average |
|---|---|---|---|
| Full | $3,268 | $2,399 | +36% |
| Minimum | $1,589 | $635 | +150% |
By Age
Teen drivers face the highest costs for car insurance across every state. The average teenager in Florida pays $8,207 annually for car insurance, compared to an average of $6,825 for those in their 20s and older. Meanwhile, senior drivers in Florida who are in their 60s have rates lower than the state average.
| Age | Average annual cost of car insurance |
|---|---|
| 16 | $7,017 |
| 17 | $6,793 |
| 18 | $7,212 |
| 19 | $6,365 |
| 20s | $6,825 |
| 30s | $3,245 |
| 40s | $3,778 |
| 50s | $3,581 |
| 60s | $3,098 |
| 70s | $3,722 |
By Gender
Men pay more for car insurance in most states, including Florida. The difference is greatest for teen drivers, and negligible by the time drivers reach adulthood. Male teens in Florida pay about 11 percent more for car insurance than female teens.
| Gender | Average annual cost of car insurance |
|---|---|
| Male teen | $8,743 |
| Female teen | $7,854 |
By Credit Score
Drivers with poor credit in Florida will pay higher premiums — over double the average with an excellent credit history.
| Credit score | Average annual cost of car insurance |
| Poor | $5,829 |
| Average | $3,436 |
| Good | $3,011 |
| Excellent | $2,511 |
By Driving History
In the same vein, expect higher costs if you’ve had a speeding ticket, at-fault accident or DUI.
| Driving history | Average annual cost of car insurance |
|---|---|
| Clean driving record | $3,268 |
| Speeding ticket | $3,769 |
| Accident | $4,285 |
| DUI | $4,557 |
By Company
| Company | Average annual cost of car insurance |
| Allstate | $4,480 |
| GEICO | $2,508 |
| Nationwide | $2,716 |
| Progressive | $3,884 |
| State Farm | $2,333 |
| Travelers | $2,142 |
| UAIC | $3,102 |
Cheap Car Insurance Cost in Florida
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.
| Category | Cheapest company | Average rate |
|---|---|---|
| Full coverage | Travelers | $2,142 |
| Minimum coverage | GEICO | $806 |
| Households with teens | GEICO | $5,109 |
| Speeding ticket | Travelers | $2,606 |
| Accident | Travelers | $2,777 |
| DUI | Travelers | $3,094 |
| Bad credit | UAIC | $2,928 |
How to Save on Car Insurance in Florida
- 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 especially a good idea to shop after major changes like moving ZIP codes, adding a college-aged driver, or buying a new car.
- Bundle Policies. Buy homeowners, renters, or umbrella insurance from the same company as your auto provider to unlock significant discounts—often between 10 to 25 percent.
- Increase Deductibles & Drop Unneeded Coverage. Opt for a higher deductible (e.g., $1,000 vs. $500) to lower premiums. You might also consider dropping collision and comprehensive coverage on an older vehicle that’s worth less than the policy cost.
- Take Approved Driving Courses. Complete a state-approved Driver Improvement Course after a minor moving violation to prevent points from hitting your record and increase premiums. Florida allows the “ticket forgiveness” route up to five times in a lifetime, once per year.
- Take Advantage of Discounts & 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. Some Florida seniors have saved 10 to 30 percent with these programs.
- b 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.
Note:
Be sure to keep your certificate of completion, or a copy, to prove that you’ve completed the required course, which involves getting both behind the wheel and in a classroom.
Discounts typically range from 3 to 10 percent, though some programs offer up to 15 percent.
Courses cost as little as $12 to $30, take around six hours, and can be completed online or in-person.
Membership-Based Discounts
Senior-focused partners like AARP/The Hartford offer up to 10 percent off your premium, with average annual savings of around $577. Other companies like GEICO, Liberty Mutual, and Farmers offer discounts for members of select organizations and alumni groups.
Low-Mileage & Telematics
If you’re driving less in retirement, telematics or pay-per-mile programs can yield substantial savings. For example, Nationwide Smartmiles — the company’s pay-per-mile program — costs an average of $1,044 per year ($87 per month) nationally. That’s 42 percent cheaper than a traditional unlimited mileage policy.
Minimum Car Insurance in Florida
Florida’s minimum coverage for car insurance is made up of only two components:
- $10,000 limit per accident in property damage coverage
- $10,000 in personal injury protection (PIP) limit per person and per accident2
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.
No-Fault Law in Florida
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.
Rather than the more common SR-22 forms, Florida has FR-44s: forms required for those convicted of DUIs for three years after their licenses are reinstated. To be able to drive again, DUI convicts must use the form to prove they have more than the minimum insurance coverage, which includes:
- Bodily injury: $100,000 per person and $300,000 per accident
- Property damage: $50,000 per accident
Tip:
If you’re having trouble finding an insurance company that will take you on as a driver with an FR-44 requirement, you can use the Florida Automobile Joint Underwriting Association (FAJUA) as a last resort. Find a provider here.3
Conclusion
Although Florida has high car insurance costs on average, you can save money by maintaining a good driving record, keeping up your credit score, comparing quotes from different insurance companies.
Never accept a first offer. 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.
Methodology
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: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
Frequently Asked Questions
Why is car insurance in Florida so expensive?
Florida drivers pay some of the highest car insurance rates in the country due to a combination of weather risks, legal structures, and insurance fraud. Here are the main reasons:
- Hurricane and Weather Risk. Florida experiences more hurricanes than any other state, including 37 major hurricanes and 120 total since 1851, according to the National Oceanic and Atmospheric Administration. These storms can total or damage thousands of vehicles, leading insurers to raise rates to cover the high cost of comprehensive claims.
- No-Fault Insurance System. Florida is a no-fault state, meaning drivers must carry personal injury protection (PIP) to cover medical expenses regardless of who causes an accident. No-fault systems tend to drive up premiums, especially when combined with high claim volumes.
- High Rate of Uninsured Drivers. Nearly 16 percent of Florida drivers are uninsured, which is above the national average. Insurers raise rates to account for the increased risk that their policyholders could be involved in a crash with an uninsured motorist.
- Insurance Fraud and Excessive Claims. Florida has one of the highest rates of insurance fraud in the U.S., particularly related to PIP claims. Fraudulent or exaggerated claims increase overall costs for insurers, which in turn get passed down to all policyholders.
- Frequent Lawsuits and Legal Costs. Florida allows drivers to sue for accident-related damages without a minimum dollar threshold. This results in a high number of lawsuits and legal expenses for insurers, contributing to higher premiums for everyone.
Does Florida have high auto insurance rates?
Yes, Florida has high auto insurance rates. On average, full coverage in Florida costs 36 percent more than the national U.S. average, and minimum coverage runs 150 percent over the national average.
Is $200 a month for car insurance expensive?
In Florida, $200 per month is not expensive for full coverage — it’s 26 percent cheaper than the statewide average of $272 monthly. For minimum coverage, $200 a month is higher than the statewide average of $132 monthly. However, if you fall into a higher-risk category — such as having a teen driver on the policy, a recent at-fault accident, poor credit, or a violation like a DUI — you will pay higher than the statewide average.
What are good auto insurance coverage amounts in Florida?
In Florida, minimum coverage is often not enough to fully protect you in a serious accident. For better financial protection, many experts recommend the following coverage levels:
- Bodily Injury Liability: $100,000 per person/$300,000 per accident
- Property Damage Liability: $50,000 or more
- Uninsured/Underinsured Motorist Coverage: Equal to your liability limits
- Comprehensive and Collision: Optional, but important if your car is newer or financed
- Personal Injury Protection (PIP): $10,000 (required), but consider medical payments (MedPay) as an add-on for extra coverage, depending on your healthcare coverage.
Senior Writer & Editor
A seasoned journalist and content strategist with over 10 years of editorial experience in digital media, Aliza Vigderman has written and edited hundreds of articles on the site, covering everything from plan coverages to discounts to state laws. Previously, she was a senior editor and industry analyst at the home and digital security website Security.org, previously called Security Baron. She has also contributed to The Huffington Post, SquareFoot, and Degreed. Aliza studied journalism at Brandeis University.
Citations
Mature Driver Discount Insurance Courses. Florida Department of Highway Safety and Motor Vehicles. (n.d.).
https://www.flhsmv.gov/driver-licenses-id-cards/mature-driver/mature-driver-discount-insurance-courses/Florida Insurance Requirements. Florida Highway Safety and Motor Vehicles. (2023).
https://www.flhsmv.gov/insurance/High Risk Automobile Insurance Providers. Florida Automobile Joint Underwriting Association. (2023).
https://fajua.org/
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