Florida is among the nation's most expensive places to get auto insurance. See the state's rates, trends, and learn how to save.
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Auto insurance is expensive in Florida. The average car insurance rate in Florida is $1,878 per year — 31.6% more than the US average.
But auto insurance prices are dictated by factors other than state lines. Auto insurance premiums consider a number of components, including your driving record, credit history, gender, age, and marital status.
We analyzed average Florida car insurance prices by each of the primary pricing factors. See below how much car insurance costs in your state — or enter your ZIP code to receive personalized quotes from leading companies.
It’s a fact of life: as you age, your auto insurance premiums change. Generally speaking, car insurance is more costly for teenage drivers, as insurers see inexperienced motorists as less responsible.
In Florida, car insurance runs $5,984 per year for a 16-year-old driver and only $1,641 yearly for a driver aged from 50 to 60.
|Age||Average Yearly Rate|
If you're shopping for car insurance for a teen driver, Florida is the 20th least expensive state in which to buy auto insurance for a 16-year-old.
While gender doesn’t have as sizable an effect on auto insurance costs as a driver's location or age, it is utilized as a rating factor by car insurance companies.
|Gender||Average Yearly Cost|
If you're worried you aren't getting the best possible value for your money with your current auto insurance company, the best course of action is to compare rates and shop around.
A benefit of entering wedlock — aside from the honeymoon — is the price cut you typically receive on your auto insurance. In Florida, wedded motorists save $81 annually on auto insurance policies. This is a better deal than the national savings of $76.
|Marital Status||Average Annual Rate|
Auto insurance for divorced drivers in Florida is the fifth most expensive in the country. If you are paying too much for your auto insurance, don't hesitate to shop around. You never know when you'll find a great deal!
The amount you pay each month for auto insurance depends on the level of coverage you carry. Liability-only coverage typically costs less, while low-deductible comprehensive coverage costs more. In Florida, the price gap between liability-only coverage and comprehensive coverage with a $500 deductible is $690.
|Coverage Level||Average Yearly Premium|
|$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only||$1,414|
|$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,963|
|$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$2,107|
|$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only||$1,210|
|$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,759|
|$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,903|
|State Minimum — Liability Only||$822|
|State Minimum — $1,000 Comprehensive/Collision||$1,369|
|State Minimum — $500 Comprehensive/Collision||$1,512|
If you're facing above-average auto insurance costs, it's worth comparing options to discover reasonably priced coverage that suits you.
Auto insurance underwriters use credit history to predict a potential customer's reliability. Trended data show drivers who hold exceptional credit are often more dependable car insurance customers: they less commonly file claims for which insurance companies pay.
In Florida, a driver who maintains exceptional credit saves $1,889 per year in car insurance premiums, compared with a driver who has a poor credit rating.
Read more about how credit affects car insurance expenditures:
|Credit Score||Average Annual Premium|
|Very Poor (300-579)||$3,470.05|
|Very Good (740-799)||$1,889.39|
Finding affordable car insurance with bad credit is difficult. But we're here to provide some help. Review our guide to getting car insurance with poor credit and start saving!
If you are discovered to be at fault in a car accident or convicted of a vehicular offense, your car insurance premiums are bound to climb. The more violations you accumulate, the more expensive your car insurance becomes.
In Florida, your first minor at-fault accident costs $598 each year in auto insurance payments. A DUI — considered one of the most grievous driving offenses — will raise your insurance rates in Florida by an average of $861.
|Age||Average Yearly Rate|
|At-Fault Accident (<$1,000)||$2,476.08|
|At-Fault Accident ($1,000-$2,000)||$2,584.21|
|At-Fault Accident (>$2,000)||$2,476.08|
|Speeding (21-25 MPH > limit)||$2,425.34|
|Speeding (16-20 MPH > limit)||$2,425.34|
If you're facing above-average car insurance costs, consider weighing your options to find affordable coverage that fits your budget.