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Natalie Todoroff Natalie Todoroff
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Natasha Cornelius, CLU Natasha Cornelius, CLU
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Mark Friedlander Mark Friedlander
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Natasha Cornelius, CLU Natasha Cornelius, CLUEdited by
Mark Friedlander Mark FriedlanderReviewed by
Updated Apr 11, 2024
Florida car insurance rates tend to be on the higher side — the average cost is $3,579 for full coverage and $1,173 for minimum coverage, according to Bankrate’s research.
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On This Page
On This Page
- How much is car insurance in Florida?
- Florida car insurance rates by city
- Florida car insurance costs by age and gender
- Car insurance costs by driving record in Florida
- Car insurance rates in Florida by credit score
- Florida car insurance rates by vehicle type
- Estimate your car insurance cost in Florida
- How to save on car insurance in Florida
- Frequently asked questions
- Methodology
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 $3,579 for full coverage and $1,173 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 $298 per month, while minimum coverage is $98 per month.
- Full coverage car insurance in Florida costs 55 percent more than the average cost of car insurance nationwide.
- Minimum coverage car insurance in Florida costs around 82 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.
What would you like to do today?
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 | $281 | $3,377 | -6% |
| Polk City | $285 | $3,417 | -5% |
| Fort Myers | $244 | $2,926 | -20% |
| North Fort Myers | $242 | $2,906 | -21% |
| Rotonda West | $223 | $2,676 | -29% |
| Port Charlotte | $224 | $2,683 | -29% |
| Punta Gorda | $225 | $2,696 | -28% |
| Lake City | $238 | $2,854 | -23% |
| Saint Augustine | $224 | $2,689 | -28% |
| Astor | $240 | $2,875 | -22% |
| Daytona Beach | $246 | $2,949 | -19% |
| Port Orange | $245 | $2,940 | -20% |
| Edgewater | $244 | $2,922 | -20% |
| Lake Geneva | $242 | $2,900 | -21% |
| Lehigh Acres | $260 | $3,118 | -14% |
| Cape Coral | $240 | $2,879 | -22% |
| Naples | $220 | $2,639 | -30% |
| Boca Raton | $357 | $4,279 | +18% |
| Center Hill | $231 | $2,767 | -26% |
| Dade City | $309 | $3,706 | +3% |
| Lake Panasoffkee | $225 | $2,700 | -28% |
| Lutz | $326 | $3,913 | +9% |
| Plant City | $303 | $3,634 | +2% |
| Sun City Center | $288 | $3,461 | -3% |
| Orlando | $294 | $3,525 | -2% |
| Cocoa | $259 | $3,112 | -14% |
| Vero Beach | $240 | $2,877 | -22% |
| Sebastian | $237 | $2,843 | -23% |
| Apollo Beach | $314 | $3,774 | +5% |
| Saint Leo | $307 | $3,681 | +3% |
| Ruskin | $311 | $3,737 | +4% |
| Valrico | $328 | $3,931 | +9% |
| Graham | $235 | $2,817 | -24% |
| Green Cove Springs | $247 | $2,968 | -19% |
| Mayo | $244 | $2,929 | -20% |
| Barberville | $251 | $3,014 | -17% |
| East Palatka | $246 | $2,947 | -19% |
| Fort Mc Coy | $236 | $2,832 | -23% |
| Interlachen | $247 | $2,964 | -19% |
| The Villages | $235 | $2,816 | -24% |
| Bonita Springs | $233 | $2,792 | -25% |
| Goodland | $219 | $2,628 | -31% |
| Bradenton | $260 | $3,119 | -14% |
| Anna Maria | $256 | $3,070 | -15% |
| Palmetto | $255 | $3,059 | -16% |
| New Smyrna Beach | $245 | $2,936 | -20% |
| Ormond Beach | $245 | $2,944 | -19% |
| Pomona Park | $246 | $2,956 | -19% |
| Satsuma | $247 | $2,959 | -19% |
| Jacksonville | $281 | $3,376 | -6% |
| Neptune Beach | $253 | $3,035 | -16% |
| Tallahassee | $243 | $2,912 | -21% |
| Apalachicola | $229 | $2,749 | -26% |
| North Port | $225 | $2,702 | -28% |
| Crystal River | $256 | $3,067 | -15% |
| Ocala | $240 | $2,879 | -22% |
| hom*osassa | $257 | $3,083 | -15% |
| Brooksville | $289 | $3,471 | -3% |
| Istachatta | $287 | $3,440 | -4% |
| Bartow | $284 | $3,409 | -5% |
| Davenport | $284 | $3,412 | -5% |
| Frostproof | $283 | $3,395 | -5% |
| Intercession City | $270 | $3,238 | -10% |
| Lakeshore | $284 | $3,409 | -5% |
| Estero | $238 | $2,851 | -23% |
| Fort Myers Beach | $233 | $2,796 | -25% |
| Fleming Island | $250 | $2,996 | -18% |
| Eagle Lake | $282 | $3,381 | -6% |
| Lake Wales | $284 | $3,411 | -5% |
| Lorida | $246 | $2,956 | -19% |
| Ona | $248 | $2,975 | -18% |
| Winter Haven | $282 | $3,380 | -6% |
| Bokeelia | $237 | $2,846 | -23% |
| Felda | $254 | $3,051 | -16% |
| Bowling Green | $248 | $2,976 | -18% |
| Eaton Park | $276 | $3,314 | -8% |
| Haines City | $291 | $3,493 | -2% |
| Lake Placid | $246 | $2,957 | -19% |
| Sebring | $246 | $2,950 | -19% |
| Babson Park | $282 | $3,384 | -6% |
| Lake Hamilton | $289 | $3,472 | -3% |
| Mulberry | $282 | $3,386 | -6% |
| Captiva | $234 | $2,809 | -24% |
| Palmdale | $246 | $2,950 | -19% |
| Avon Park | $247 | $2,964 | -19% |
| Bradley | $284 | $3,406 | -5% |
| Kathleen | $278 | $3,342 | -7% |
| Indian Lake Estates | $284 | $3,408 | -5% |
| Wauchula | $245 | $2,945 | -19% |
| Labelle | $256 | $3,073 | -15% |
| Yulee | $236 | $2,835 | -23% |
| Middleburg | $249 | $2,983 | -18% |
| Jennings | $244 | $2,931 | -20% |
| Ponte Vedra | $227 | $2,721 | -27% |
| Wellborn | $237 | $2,849 | -23% |
| Palm Coast | $259 | $3,102 | -14% |
| Immokalee | $251 | $3,013 | -17% |
| Osprey | $236 | $2,831 | -23% |
| Sarasota | $240 | $2,885 | -21% |
| Callahan | $238 | $2,861 | -22% |
| Jasper | $244 | $2,924 | -20% |
| Lawtey | $235 | $2,821 | -24% |
| Live Oak | $237 | $2,839 | -23% |
| Orange Park | $249 | $2,991 | -18% |
| Crescent City | $246 | $2,955 | -19% |
| Saint Petersburg | $315 | $3,775 | +5% |
| Clearwater | $305 | $3,665 | +2% |
| Pinellas Park | $308 | $3,691 | +3% |
| West Palm Beach | $377 | $4,526 | +23% |
| Lake Worth | $380 | $4,565 | +24% |
| Jupiter | $305 | $3,666 | +2% |
| Bostwick | $246 | $2,954 | -19% |
| Zolfo Springs | $247 | $2,968 | -19% |
| Placida | $222 | $2,667 | -29% |
| Fort Lauderdale | $345 | $4,140 | +15% |
| Largo | $301 | $3,607 | +1% |
| Seminole | $301 | $3,607 | +1% |
| Lakeland | $279 | $3,349 | -7% |
| Plantation | $344 | $4,129 | +14% |
| Boynton Beach | $387 | $4,644 | +26% |
| Delray Beach | $380 | $4,566 | +24% |
| Hobe Sound | $251 | $3,006 | -17% |
| Tampa | $373 | $4,479 | +22% |
| Jacksonville Beach | $253 | $3,032 | -17% |
| Venice | $219 | $2,626 | -31% |
| Inverness | $255 | $3,061 | -16% |
| Lecanto | $255 | $3,059 | -16% |
| Land O Lakes | $318 | $3,814 | +6% |
| Aripeka | $321 | $3,853 | +7% |
| Bristol | $234 | $2,810 | -24% |
| Carrabelle | $231 | $2,766 | -26% |
| Belleview | $231 | $2,774 | -25% |
| Holder | $256 | $3,069 | -15% |
| Silver Springs | $233 | $2,800 | -24% |
| Spring Hill | $296 | $3,554 | -1% |
| Palm Harbor | $318 | $3,814 | +6% |
| Sanford | $255 | $3,064 | -16% |
| Winter Park | $261 | $3,132 | -13% |
| Nobleton | $286 | $3,437 | -4% |
| Hudson | $319 | $3,826 | +7% |
| Sparr | $229 | $2,754 | -26% |
| Dunnellon | $232 | $2,781 | -25% |
| Summerfield | $230 | $2,756 | -26% |
| New Port Richey | $328 | $3,938 | +10% |
| Ozona | $307 | $3,689 | +3% |
| Indian Rocks Beach | $297 | $3,559 | -1% |
| Yankeetown | $237 | $2,848 | -23% |
| Crystal Beach | $307 | $3,686 | +3% |
| Indialantic | $236 | $2,836 | -23% |
| Satellite Beach | $236 | $2,833 | -23% |
| Rockledge | $240 | $2,877 | -22% |
| Glen Saint Mary | $238 | $2,859 | -22% |
| Hilliard | $236 | $2,830 | -23% |
| Lee | $240 | $2,884 | -22% |
| Olustee | $237 | $2,844 | -23% |
| Hastings | $225 | $2,697 | -28% |
| Sanibel | $234 | $2,803 | -24% |
| Dundee | $288 | $3,457 | -3% |
| Murdock | $227 | $2,723 | -27% |
| Fernandina Beach | $236 | $2,830 | -23% |
| Fort White | $237 | $2,844 | -23% |
| Mc Alpin | $237 | $2,838 | -23% |
| Lulu | $239 | $2,868 | -22% |
| Raiford | $235 | $2,816 | -24% |
| Hollister | $245 | $2,935 | -20% |
| Belleair Beach | $295 | $3,540 | -1% |
| Clearwater Beach | $299 | $3,588 | +0% |
| Palm Bay | $247 | $2,965 | -19% |
| Starke | $235 | $2,823 | -24% |
| Bunnell | $245 | $2,944 | -19% |
| Grandin | $245 | $2,935 | -20% |
| Georgetown | $247 | $2,968 | -19% |
| Marco Island | $218 | $2,610 | -31% |
| Oneco | $248 | $2,980 | -18% |
| Arcadia | $243 | $2,918 | -20% |
| Palm Beach Gardens | $308 | $3,700 | +3% |
| Ponte Vedra Beach | $240 | $2,880 | -22% |
| Lake Butler | $235 | $2,815 | -24% |
| O Brien | $236 | $2,831 | -23% |
| Florahome | $247 | $2,969 | -19% |
| Lake Como | $245 | $2,940 | -20% |
| Lady Lake | $234 | $2,809 | -24% |
| Miami | $389 | $4,667 | +26% |
| Macclenny | $237 | $2,849 | -23% |
| Candler | $231 | $2,776 | -25% |
| De Leon Springs | $252 | $3,027 | -17% |
| Venus | $244 | $2,931 | -20% |
| Terra Ceia | $252 | $3,026 | -17% |
| Myakka City | $260 | $3,120 | -14% |
| Melbourne | $242 | $2,904 | -21% |
| Cocoa Beach | $233 | $2,794 | -25% |
| Deland | $255 | $3,056 | -16% |
| Eustis | $240 | $2,875 | -22% |
| Casselberry | $257 | $3,085 | -15% |
| Deltona | $255 | $3,066 | -15% |
| Lake Mary | $256 | $3,072 | -15% |
| Longwood | $259 | $3,109 | -14% |
| Oviedo | $257 | $3,086 | -15% |
| Chokoloskee | $217 | $2,599 | -32% |
| Cortez | $249 | $2,988 | -18% |
| Bradenton Beach | $255 | $3,056 | -16% |
| Longboat Key | $247 | $2,967 | -19% |
| Pensacola | $250 | $3,004 | -17% |
| Baker | $226 | $2,713 | -28% |
| Fort Walton Beach | $223 | $2,678 | -29% |
| Milton | $231 | $2,777 | -25% |
| Alachua | $220 | $2,635 | -30% |
| Melrose | $240 | $2,880 | -22% |
| Bryceville | $237 | $2,849 | -23% |
| Elkton | $226 | $2,717 | -27% |
| Hampton | $235 | $2,821 | -24% |
| White Springs | $244 | $2,934 | -20% |
| Fountain | $228 | $2,732 | -27% |
| Port Saint Joe | $227 | $2,726 | -27% |
| Santa Rosa Beach | $215 | $2,575 | -33% |
| Flagler Beach | $247 | $2,959 | -19% |
| Saint James City | $236 | $2,837 | -23% |
| Copeland | $220 | $2,635 | -30% |
| Everglades City | $217 | $2,599 | -32% |
| Englewood | $220 | $2,637 | -30% |
| Doctors Inlet | $248 | $2,976 | -18% |
| Sanderson | $237 | $2,845 | -23% |
| Citra | $232 | $2,781 | -25% |
| Eastlake Weir | $230 | $2,760 | -26% |
| Ochopee | $222 | $2,658 | -30% |
| Fort Ogden | $244 | $2,927 | -20% |
| Branford | $238 | $2,853 | -23% |
| Auburndale | $278 | $3,338 | -7% |
| River Ranch | $285 | $3,423 | -4% |
| Alva | $246 | $2,947 | -19% |
| Eastpoint | $230 | $2,759 | -26% |
| Hosford | $234 | $2,810 | -24% |
| Panama City | $228 | $2,735 | -27% |
| Blountstown | $236 | $2,837 | -23% |
| Defuniak Springs | $217 | $2,602 | -32% |
| Freeport | $215 | $2,581 | -32% |
| Lynn Haven | $229 | $2,743 | -26% |
| Ferndale | $244 | $2,929 | -20% |
| Kissimmee | $292 | $3,507 | -2% |
| Fort Pierce | $0 | $0 | -200% |
| Jensen Beach | $268 | $3,210 | -11% |
| Palm City | $251 | $3,018 | -17% |
| Deerfield Beach | $354 | $4,252 | +17% |
| Panacea | $231 | $2,777 | -25% |
| Holiday | $329 | $3,944 | +10% |
| Leesburg | $235 | $2,823 | -24% |
| Winter Garden | $282 | $3,382 | -6% |
| Port Saint Lucie | $0 | $0 | -200% |
| Stuart | $251 | $3,015 | -17% |
| Hialeah | $397 | $4,769 | +29% |
| Hollywood | $363 | $4,353 | +20% |
| Homestead | $382 | $4,582 | +25% |
| Key West | $255 | $3,066 | -15% |
| Pompano Beach | $358 | $4,297 | +18% |
| Tavernier | $263 | $3,151 | -13% |
| Ocklawaha | $230 | $2,757 | -26% |
| Putnam Hall | $244 | $2,923 | -20% |
| Welaka | $248 | $2,974 | -18% |
| Saint Johns | $237 | $2,849 | -23% |
| Lanark Village | $233 | $2,795 | -25% |
| Nokomis | $234 | $2,813 | -24% |
| Floral City | $255 | $3,062 | -16% |
| Port Richey | $327 | $3,919 | +9% |
| Palatka | $247 | $2,961 | -19% |
| Atlantic Beach | $254 | $3,042 | -16% |
| Beverly Hills | $255 | $3,055 | -16% |
| Oxford | $224 | $2,689 | -28% |
| North Palm Beach | $331 | $3,976 | +11% |
| Palm Beach | $404 | $4,848 | +30% |
| Marianna | $228 | $2,732 | -27% |
| Vernon | $231 | $2,778 | -25% |
| Dunedin | $306 | $3,673 | +3% |
| Okahumpka | $237 | $2,850 | -23% |
| Saint Cloud | $267 | $3,206 | -11% |
| Okeechobee | $247 | $2,958 | -19% |
| Crestview | $225 | $2,704 | -28% |
| Jay | $224 | $2,685 | -29% |
| Mary Esther | $223 | $2,680 | -29% |
| Molino | $239 | $2,872 | -22% |
| Anthony | $233 | $2,796 | -25% |
| Bell | $242 | $2,902 | -21% |
| Bronson | $240 | $2,883 | -22% |
| Cedar Key | $240 | $2,876 | -22% |
| Evinston | $223 | $2,676 | -29% |
| Gainesville | $221 | $2,648 | -30% |
| Chiefland | $240 | $2,881 | -22% |
| Micanopy | $221 | $2,657 | -30% |
| Orange Lake | $226 | $2,711 | -28% |
| Pahokee | $348 | $4,172 | +15% |
| Dover | $318 | $3,820 | +7% |
| Wesley Chapel | $310 | $3,721 | +4% |
| Paxton | $225 | $2,700 | -28% |
| Hurlburt Field | $223 | $2,678 | -29% |
| Moore Haven | $247 | $2,968 | -19% |
| Canal Point | $346 | $4,151 | +15% |
| Clewiston | $259 | $3,107 | -14% |
| Valparaiso | $222 | $2,660 | -29% |
| Gretna | $233 | $2,798 | -24% |
| Monticello | $235 | $2,818 | -24% |
| Sopchoppy | $232 | $2,783 | -25% |
| Bonifay | $228 | $2,742 | -26% |
| Clarksville | $235 | $2,818 | -24% |
| Ebro | $230 | $2,766 | -26% |
| Wewahitchka | $231 | $2,774 | -25% |
| Ponce De Leon | $226 | $2,707 | -28% |
| Groveland | $240 | $2,878 | -22% |
| Killarney | $282 | $3,390 | -5% |
| Wellington | $372 | $4,460 | +22% |
| Mexico Beach | $227 | $2,728 | -27% |
| Alford | $228 | $2,738 | -27% |
| Cottondale | $229 | $2,743 | -26% |
| Rosemary Beach | $219 | $2,633 | -30% |
| Safety Harbor | $304 | $3,643 | +2% |
| Clermont | $243 | $2,919 | -20% |
| Salem | $237 | $2,842 | -23% |
| High Springs | $228 | $2,731 | -27% |
| Key Largo | $268 | $3,213 | -11% |
| Miami Beach | $389 | $4,664 | +26% |
| Havana | $232 | $2,786 | -25% |
| Quincy | $232 | $2,783 | -25% |
| Shady Grove | $243 | $2,917 | -20% |
| Mossy Head | $218 | $2,619 | -31% |
| Ocoee | $287 | $3,441 | -4% |
| Patrick Afb | $232 | $2,787 | -25% |
| Maitland | $270 | $3,234 | -10% |
| Mount Dora | $261 | $3,137 | -13% |
| Sorrento | $244 | $2,932 | -20% |
| Tavares | $239 | $2,869 | -22% |
| Big Pine Key | $255 | $3,065 | -15% |
| Apopka | $278 | $3,339 | -7% |
| Christmas | $275 | $3,302 | -8% |
| Winter Springs | $257 | $3,079 | -15% |
| Umatilla | $231 | $2,769 | -26% |
| Zellwood | $273 | $3,278 | -9% |
| Gibsonton | $340 | $4,086 | +13% |
| Lithia | $309 | $3,706 | +3% |
| Crawfordville | $233 | $2,798 | -24% |
| Lloyd | $242 | $2,900 | -21% |
| Destin | $223 | $2,677 | -29% |
| Gulf Breeze | $234 | $2,807 | -24% |
| Laurel Hill | $225 | $2,705 | -28% |
| Mc David | $233 | $2,797 | -25% |
| Archer | $222 | $2,662 | -29% |
| Horseshoe Beach | $244 | $2,925 | -20% |
| Lowell | $229 | $2,749 | -26% |
| San Mateo | $245 | $2,935 | -20% |
| Seville | $252 | $3,022 | -17% |
| Weirsdale | $230 | $2,757 | -26% |
| Inglis | $239 | $2,865 | -22% |
| Key Colony Beach | $257 | $3,090 | -15% |
| Opa Locka | $402 | $4,820 | +30% |
| Belle Glade | $346 | $4,153 | +15% |
| Lake Harbor | $339 | $4,064 | +13% |
| Dania | $352 | $4,219 | +16% |
| Hallandale | $396 | $4,757 | +28% |
| Milligan | $226 | $2,713 | -28% |
| Miramar Beach | $218 | $2,616 | -31% |
| Morriston | $239 | $2,864 | -22% |
| Grand Ridge | $229 | $2,743 | -26% |
| Montverde | $244 | $2,932 | -20% |
| Windermere | $283 | $3,399 | -5% |
| Cape Canaveral | $231 | $2,767 | -26% |
| Fellsmere | $238 | $2,858 | -22% |
| Ellenton | $256 | $3,070 | -15% |
| Tallevast | $244 | $2,925 | -20% |
| Loxahatchee | $348 | $4,174 | +15% |
| Brandon | $346 | $4,146 | +15% |
| Zephyrhills | $310 | $3,716 | +4% |
| Riverview | $327 | $3,928 | +9% |
| Thonotosassa | $334 | $4,007 | +11% |
| Durant | $308 | $3,698 | +3% |
| Sumterville | $227 | $2,727 | -27% |
| Grant | $247 | $2,961 | -19% |
| Malabar | $247 | $2,962 | -19% |
| Merritt Island | $234 | $2,806 | -24% |
| Long Key | $259 | $3,104 | -14% |
| Melbourne Beach | $236 | $2,835 | -23% |
| North Miami Beach | $415 | $4,982 | +33% |
| Islamorada | $262 | $3,147 | -13% |
| Miami Gardens | $401 | $4,813 | +29% |
| Greenville | $243 | $2,921 | -20% |
| Youngstown | $227 | $2,721 | -27% |
| Perry | $238 | $2,853 | -23% |
| Saint Marks | $232 | $2,783 | -25% |
| Telogia | $235 | $2,820 | -24% |
| Altha | $234 | $2,803 | -24% |
| Chipley | $230 | $2,766 | -26% |
| Bushnell | $229 | $2,752 | -26% |
| San Antonio | $314 | $3,764 | +5% |
| Seffner | $329 | $3,950 | +10% |
| Homeland | $286 | $3,432 | -4% |
| Lake Alfred | $287 | $3,445 | -4% |
| Nalcrest | $286 | $3,436 | -4% |
| Nichols | $284 | $3,406 | -5% |
| Boca Grande | $235 | $2,821 | -24% |
| El Jobean | $224 | $2,686 | -28% |
| Pierson | $251 | $3,018 | -17% |
| Orange Springs | $232 | $2,785 | -25% |
| Hernando | $257 | $3,084 | -15% |
| Oldsmar | $306 | $3,668 | +2% |
| Niceville | $222 | $2,659 | -29% |
| Brooker | $232 | $2,785 | -25% |
| Earleton | $222 | $2,665 | -29% |
| Lochloosa | $223 | $2,676 | -29% |
| Mc Intosh | $226 | $2,711 | -28% |
| Newberry | $221 | $2,649 | -30% |
| Coleman | $230 | $2,757 | -26% |
| Sydney | $318 | $3,818 | +6% |
| Sumatra | $277 | $3,320 | -7% |
| Madison | $242 | $2,903 | -21% |
| Panama City Beach | $229 | $2,747 | -26% |
| Argyle | $218 | $2,619 | -31% |
| Bascom | $227 | $2,726 | -27% |
| Malone | $224 | $2,687 | -28% |
| Noma | $230 | $2,756 | -26% |
| Sneads | $229 | $2,745 | -26% |
| Wausau | $231 | $2,777 | -25% |
| Mascotte | $241 | $2,893 | -21% |
| Yalaha | $239 | $2,863 | -22% |
| Holt | $223 | $2,672 | -29% |
| Pineland | $231 | $2,772 | -25% |
| Parrish | $263 | $3,158 | -12% |
| Pinetta | $242 | $2,906 | -21% |
| Key Biscayne | $385 | $4,623 | +25% |
| Eglin Afb | $222 | $2,664 | -29% |
| Wabasso | $239 | $2,873 | -22% |
| Cantonment | $235 | $2,824 | -24% |
| Century | $231 | $2,775 | -25% |
| Navarre | $225 | $2,697 | -28% |
| Shalimar | $223 | $2,675 | -29% |
| Fairfield | $229 | $2,750 | -26% |
| Gulf Hammock | $237 | $2,850 | -23% |
| Reddick | $231 | $2,768 | -26% |
| Greensboro | $232 | $2,781 | -25% |
| Lamont | $236 | $2,835 | -23% |
| Midway | $232 | $2,780 | -25% |
| Steinhatchee | $238 | $2,856 | -22% |
| Campbellton | $227 | $2,724 | -27% |
| Summerland Key | $255 | $3,060 | -16% |
| Suwannee | $243 | $2,921 | -20% |
| Altamonte Springs | $258 | $3,102 | -14% |
| Lake Helen | $253 | $3,041 | -16% |
| Scottsmoor | $266 | $3,196 | -11% |
| Caryville | $230 | $2,764 | -26% |
| Greenwood | $227 | $2,726 | -27% |
| Westville | $227 | $2,723 | -27% |
| Tarpon Springs | $324 | $3,885 | +8% |
| Astatula | $240 | $2,885 | -21% |
| Fruitland Park | $234 | $2,809 | -24% |
| Howey In The Hills | $242 | $2,907 | -21% |
| Kenansville | $268 | $3,213 | -11% |
| Wildwood | $224 | $2,693 | -28% |
| Pembroke Pines | $344 | $4,122 | +14% |
| La Crosse | $219 | $2,630 | -31% |
| Otter Creek | $238 | $2,851 | -23% |
| Chattahoochee | $232 | $2,780 | -25% |
| Graceville | $228 | $2,731 | -27% |
| Gotha | $285 | $3,422 | -4% |
| Indiantown | $252 | $3,023 | -17% |
| Cross City | $244 | $2,926 | -20% |
| Island Grove | $223 | $2,676 | -29% |
| Keystone Heights | $241 | $2,888 | -21% |
| Hawthorne | $225 | $2,696 | -28% |
| Old Town | $244 | $2,929 | -20% |
| Lake Monroe | $256 | $3,067 | -15% |
| Debary | $255 | $3,054 | -16% |
| Plymouth | $273 | $3,279 | -9% |
| Mid Florida | $253 | $3,041 | -16% |
| Grand Island | $235 | $2,819 | -24% |
| Mims | $258 | $3,099 | -14% |
| Orange City | $255 | $3,058 | -16% |
| Titusville | $233 | $2,792 | -25% |
| Williston | $240 | $2,875 | -22% |
| Paisley | $240 | $2,878 | -22% |
| Waldo | $222 | $2,664 | -29% |
| Glenwood | $254 | $3,054 | -16% |
| Trenton | $240 | $2,885 | -21% |
| Altoona | $237 | $2,850 | -23% |
| Oak Hill | $251 | $3,009 | -17% |
| Cassadaga | $253 | $3,032 | -17% |
| Geneva | $255 | $3,060 | -16% |
| Osteen | $255 | $3,055 | -16% |
| Trilby | $306 | $3,676 | +3% |
| Marathon | $256 | $3,073 | -15% |
| Odessa | $331 | $3,966 | +10% |
| Webster | $234 | $2,805 | -24% |
| Wimauma | $315 | $3,776 | +5% |
| Sun City | $294 | $3,527 | -1% |
| Marathon Shores | $257 | $3,090 | -15% |
| South Bay | $345 | $4,138 | +14% |
Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
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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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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 $7,632 | Average minimum coverage premium in FL $2,549 |
Age 18 | Average annual full coverage premium in FL $10,433 | Average minimum coverage premium in FL $3,388 |
Age 20 | Average annual full coverage premium in FL $8,154 | Average minimum coverage premium in FL $2,542 |
Age 25 | Average annual full coverage premium in FL $4,519 | Average minimum coverage premium in FL $1,377 |
Age 30 | Average annual full coverage premium in FL $3,779 | Average minimum coverage premium in FL $1,186 |
Age 40 | Average annual full coverage premium in FL $3,566 | Average minimum coverage premium in FL $1,128 |
Age 50 | Average annual full coverage premium in FL $3,351 | Average minimum coverage premium in FL $1,070 |
Age 60 | Average annual full coverage premium in FL $3,275 | Average minimum coverage premium in FL $1,055 |
Age 70 | Average annual full coverage premium in FL $3,452 | Average minimum coverage premium in FL $1,130 |
*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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| Age | Average annual full coverage premium in FL | Average minimum coverage premium in FL |
|---|---|---|
Age 16* | Average annual full coverage premium in FL $6,887 | Average minimum coverage premium in FL $2,478 |
Age 18 | Average annual full coverage premium in FL $8,768 | Average minimum coverage premium in FL $3,073 |
Age 20 | Average annual full coverage premium in FL $6,864 | Average minimum coverage premium in FL $2,354 |
Age 25 | Average annual full coverage premium in FL $4,301 | Average minimum coverage premium in FL $1,464 |
Age 30 | Average annual full coverage premium in FL $3,741 | Average minimum coverage premium in FL $1,277 |
Age 40 | Average annual full coverage premium in FL $3,591 | Average minimum coverage premium in FL $1,218 |
Age 50 | Average annual full coverage premium in FL $3,405 | Average minimum coverage premium in FL $1,138 |
Age 60 | Average annual full coverage premium in FL $3,267 | Average minimum coverage premium in FL $1,076 |
Age 70 | Average annual full coverage premium in FL $3,539 | Average minimum coverage premium in FL $1,174 |
*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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Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
Rates refreshed as of Apr 2024
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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, 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 29 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 $7,260 |
Age 17 | Avg. annual premium for drivers in FL $6,906 |
Age 18 | Avg. annual premium for drivers in FL $6,587 |
Age 19 | Avg. annual premium for drivers in FL $5,732 |
Age 20 | Avg. annual premium for drivers in FL $5,484 |
*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
Rates refreshed as of Apr 2024
Read our full methodology
| Age | Avg. annual premium for drivers in FL |
|---|---|
Age 18 | Avg. annual premium for drivers in FL $9,601 |
Age 19 | Avg. annual premium for drivers in FL $7,960 |
Age 20 | Avg. annual premium for drivers in FL $7,509 |
*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
Rates refreshed as of Apr 2024
Read our full methodology
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 46 percent more |
| Age 19 | 39 percent more |
| Age 20 | 37 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 18 percent more than the state average. Having a DUI costs about 64 percent more, while an accident could increase rates by 36 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 $3,579 | Percentage increase from FL avg. annual premium* 0% |
Speeding ticket conviction | Avg. annual premium* in FL $4,221 | Percentage increase from FL avg. annual premium* 18% |
At-fault accident | Avg. annual premium* in FL $4,885 | Percentage increase from FL avg. annual premium* 36% |
DUI conviction | Avg. annual premium* in FL $5,875 | Percentage increase from FL avg. annual premium* 64% |
*The rates reflected are for full coverage policies.
Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
Rates refreshed as of Apr 2024
Read our full methodology
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 20 percent less than average. Those with average credit pay around 12 percent more than the state average. However, if you have poor credit, you may pay 100 percent more than the average car insurance cost in Florida.
| Credit tier | Avg. annual premium* in FL | Percentage difference from FL avg. annual premium* |
|---|---|---|
Poor | Avg. annual premium* in FL $7,151 | Percentage difference from FL avg. annual premium* 100% |
Average | Avg. annual premium* in FL $4,010 | Percentage difference from FL avg. annual premium* 12% |
Good | Avg. annual premium* in FL $3,579 | Percentage difference from FL avg. annual premium* 0% |
Excellent | Avg. annual premium* in FL $2,877 | Percentage difference from FL avg. annual premium* -20% |
*Rates reflect full coverage policies.
Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
Rates refreshed as of Apr 2024
Read our full methodology
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 |
|---|---|
Toyota Camry | Avg. annual premium* in FL $3,579 |
Ford F-150 | Avg. annual premium* in FL $3,423 |
Honda Odyssey | Avg. annual premium* in FL $3,315 |
BMW 330i | Avg. annual premium* in FL $4,047 |
Toyota Prius | Avg. annual premium* in FL $3,608 |
*Rates reflect full coverage policies.
Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
Rates refreshed as of Apr 2024
Read our full methodology
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.
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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. Having a poor credit score in Florida can cause a large jump in car insurance costs. By paying your bills on time and only taking on debt you can make timely payments on, you could save on your Florida car insurance.
- Maintain a clean driving record. Traffic violations and auto accidents can quickly lead to sharp rate increases. Safe driving can help prevent these incidents and can also lead to discounts in some cases. Many insurers will reward clean driving records and claims-free policyholders with added savings.
Frequently asked questions
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in April 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).
Age: Rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.
Written by
Natalie Todoroff
Writer, Insurance
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Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.
