Average Car Insurance Costs in Florida (2024)

Full coverage car insurance costs an average of $2,676 per year in Florida, one of the most expensive states for auto insurance.
Written by R.E. Fulton
Edited by Kathleen Flear
is one of the most expensive states for car insurance, with an average annual rate of $2,676 for full coverage car insurance and $1,840 for state minimum coverage. 
  • Florida drivers pay an average of $223 per month for full coverage and $153 per month for minimum coverage. 
  • Urban drivers, teens, and drivers with violations pay the highest rates in Florida, while seniors enjoy some of the lowest rates. 
  • Florida drivers can find
    cheap car insurance
    by comparing quotes, building credit, or qualifying for discounts. 

Car insurance in Florida costs 60% more than the national average

As of 2024, the average cost of car insurance in Florida is $2,676 per year for
full coverage
and $1,840 per year for
state minimum coverage
That’s approximately 60% higher than the
average car insurance premium in the U.S.
—and rates are continuing to climb
Auto insurance tends to cost more in Florida due to several high-risk factors affecting the state: 
  • No-fault insurance: As a
    no-fault state
    , Florida requires all drivers to purchase personal injury protection (PIP), which drives up the average cost of insurance. 
  • High rates of insurance fraud: Florida is a hotspot for fraudulent insurance claims such as auto glass fraud. Fraudulent claims cost car insurance companies money, driving up the price of coverage.
  • Tons of tourists: Florida saw an estimated total of 137.4 million visitors in 2022, and 2023 figures exceeded that number. More drivers on the road means a higher risk of car accidents and claims.
  • Auto theft is on the rise: Florida ranked #4 in the nation for car thefts in 2022, according to research from the National Insurance Crime Bureau (NICB). Rising rates of theft mean higher comprehensive insurance premiums.
  • 1 in 5 drivers don’t have insurance: 20.6% of Florida drivers were uninsured in 2019, driving up the risk of uncovered claims significantly.
  • Hurricane season causes billions of dollars in claims: A study by the National Oceanic and Atmospheric Administration (NOAA) found that $116 billion of the $165 billion of disaster damages recorded in the U.S. in 2022 came from Florida alone.

Compare average rates for Florida drivers

Florida car insurance rates depend in part on your age, your driving history, your vehicle, your ZIP code, and a long list of other factors. We analyzed four typical Florida driver profiles to give you a look at how insurance premiums stack up across the Sunshine State: 

Why did my insurance go up in Florida?

Florida’s auto insurance rates have always been higher than the national average, but they’ve gone up significantly in recent years due to inflation, rising auto repair costs, and pandemic supply chain issues. 
“Car parts are in high demand and they cost more, and body shops can’t find enough mechanics to hire, driving up the cost of labor,”
explains Josh Damico
, Vice President of Insurance Operations at Jerry. “All of these factors increase expenses in the case of an accident or vehicle theft, which can cause insurance premiums to rise.” 
CarMD’s annual study of auto repair costs found that Florida ranked 16th for the cost of both parts and labor in 2022—a huge jump from 2021.
If you’ve seen a spike in your car insurance premiums in the Sunshine State, these increasing repair costs are likely to blame. 
Keep in mind: You might also see your insurance rate go up if you have a recent speeding ticket or other violation on your Florida driving record; if you recently moved or added a driver to your policy; or if your credit score dropped. If you’re not sure what’s responsible for your changing rates, ask your insurance agent—and start comparing quotes to find a cheaper insurance policy! 

Who pays the most for car insurance in Florida?

If you have a clean driving record, are over the age of 25, have good credit, and own a home in Florida, you’re likely among the drivers paying the most affordable rates for car insurance. But if your profile looks different, you might be paying higher rates. 
Young drivers
, high-risk drivers, and drivers in major cities pay the highest average auto insurance premiums in Florida. Check out the tables below to see average rates for these groups. 

Florida teen drivers and young adults pay the highest rates

Average annual premium

High-risk drivers with DUIs pay extra in Florida

ViolationAverage annual premium (minimum coverage)
Passing School Bus$1,803
Reckless Driving$2,140
Open Container$2,770
Clean Record$2,952
Speeding under 15$3,292
Seat Belt$3,294
Speeding over 15$3,447

City drivers see higher rates

CityAverage annual premium
St. Petersburg$2,396
CityAverage annual premium
Orange Park$2,200
Mount Dora$2,469

How to keep car insurance costs low in Florida

Living in Florida doesn’t have to mean paying sky-high annual premiums for car insurance. Follow the tips below from our experts to find the cheapest car insurance in the Sunshine State. 

1. Compare quotes from at least three car insurance companies. 

Comparing auto rates
is the #1 way to bring down your car insurance premiums—without sacrificing any necessary coverage. 
Using an online broker like the
app makes comparing car insurance quotes simple and efficient. Instead of calling up individual companies or requesting multiple quotes online, you can make a single profile and
compare real quotes
from dozens of Florida’s best car insurance companies. On average, Jerry users save over $800 per year by switching in the app.  
Just by comparing quotes, you’ll put yourself ahead in the insurance game. “One of the easiest ways to find savings on some of your larger car expenses, like insurance, is to
shop around
,” says Henry Hoenig, a data journalist at Jerry. “Our survey shows that more than half of Americans simply never do.”

2. Improve your credit score. 

Florida is one of the many states that allow car insurance companies to base your premiums partly on
your credit history
. If you have poor credit, you might pay as much as 73% more for car insurance than drivers with excellent credit. 
Building your credit is easier said than done, but here are a few tips: 
  • Focus on paying off small bills first
  • Ask to have your utility bills and rent added to your credit report
  • Get a credit builder loan
MORE: How to build your credit without applying for a credit card

3. Choose full coverage car insurance with a high deductible and moderate liability limits. 

Florida’s legal car insurance requirements only include no-fault
personal injury protection (PIP)
property damage liability insurance
. While state minimum car insurance is the cheapest option, it’s not worth the risk for most drivers. 
Most drivers in Florida need a
full coverage policy
that includes enough collision coverage and comprehensive coverage to replace the vehicle in the event of a total loss. 
Our experts recommend carrying at least $50,000/$100,000 of bodily injury liability coverage and raising your property damage liability coverage limit to $50,000 instead of the state-mandated minimum liability. To keep your costs low,
select a higher deductible
on your collision and comprehensive insurance. 
Other smart coverage options include
uninsured motorist coverage
gap coverage
for newly financed vehicles, and
roadside assistance

4. Research car insurance discounts.

Most auto insurance companies offer policy discounts based on your profile, driving history, payment methods, and other factors. Taking advantage of as many discounts as possible can drive down the cost of auto insurance by a significant amount. 
Some of the best
car insurance discounts
in Florida include: 

5. Wait to buy a new (or used) car. 

New and used car prices are at record highs—in fact, that’s part of what’s keeping average premiums so high. If you’re considering replacing your current ride, you’re better off waiting if you can to avoid the insurance increase that comes with a more valuable vehicle. 
If you do need to replace your car, go for an older model if possible. Studies show that your average annual rate decreases by about 3% for every model year of age on your vehicle. 


A 25-year-old driver in Florida pays an average annual rate of $2,242 for car insurance. You can expect your insurance rates to go down after you turn 25, with the lowest average rates rolling around in your mid-40s and -50s. 
Our research shows that drivers with less than three years of experience pay slightly more for an auto insurance policy, regardless of age. While Florida teens pay close to $3,000 per year for car insurance, adults who are new to driving can expect to pay between $100 and $300 extra per year for basic coverage.
No—$100 per month is below the national average for car insurance, which is around $139 per month or $1,672 per year. In Florida, the average cost of state minimum coverage is about $153 per month, while full coverage costs an average of $223 per month.
Car insurance rates are rising across the board due to higher auto repair costs and inflated prices for new and used cars. Your insurance may have gone up due to these market forces, or you might have a surcharge on your policy from a recent at-fault accident or violation. If you’re not sure why your insurance rate went up, check with your insurance provider.
Florida is one of the most expensive states for car insurance due to high rates of insurance fraud, severe weather and natural disasters, busy roads, rising car theft rates, and a high rate of uninsured drivers.


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