What's the Average Cost of Auto Insurance in Florida?

Florida is among the nation's most expensive places to get auto insurance. See the state's rates, trends, and learn how to save.

or
Location pin icon
No junk mail. No phone number. No fees.
1
Form icon

Personalize your quotes

Provide some basic info so we can find your car insurance quotes. No calls or junk mail, guaranteed.

2
Icon-Shield-5

Compare all in one place

Instantly compare dozens of personalized quotes from top car insurance companies

3
Wallet icon

Enjoy your savings

Save up to $670 per year. It’s free to compare quotes with The Zebra.

Cuver
_

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.

Compare rates today.

or
Location pin icon
No junk mail. No phone number. No fees.
 

Average Florida auto insurance rates by:

  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

 

Average auto insurance rates in Florida by age

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.

 
FLORIDA AUTO INSURANCE COSTS BY AGE
AgeAverage Yearly Rate
16$5,983.52
17$5,604.02
18$4,855.11
19$3,805.73
20s$2,366.51
30s$1,793.60
40s$1,755.86
50s$1,640.71
60s$1,672.37
70s$2,028.20

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.

 

 

Average car insurance costs by gender in Florida

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.

 
FLORIDA AUTO INSURANCE PRICES FOR MEN VS. WOMEN
GenderAverage Yearly Cost
Male$1,803.59
Female$1,837.69

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.

 

 

Average auto insurance premiums in Florida by marital status

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.

 

FLORIDA CAR INSURANCE PREMIUMS BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,803.59
Married$1,722.90
Divorced$1,803.59
Widowed$1,762.38

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!

 

 

Average car insurance costs by coverage level in Florida

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.

 
FLORIDA CAR INSURANCE PREMIUMS BY COVERAGE TYPE
Coverage LevelAverage 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.

 

Find an auto insurance policy today.

or
Location pin icon
No junk mail. No phone number. No fees.
 

 

Average auto insurance rates in Florida by credit history

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:

 
FLORIDA CAR INSURANCE COSTS BY CREDIT TIER
Credit ScoreAverage Annual Premium
Very Poor (300-579)$3,470.05
Fair (580-669)$2,836.17
Good (670-739)$2,307.41
Very Good (740-799)$1,889.39
Exceptional (800-850)$1,581.01

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!

 

 

Average car insurance costs for high-risk drivers in Florida

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.

 
FLORIDA CAR INSURANCE PREMIUMS AFTER TICKETS
AgeAverage Yearly Rate
DUI/DWI$2,739.96
Reckless Driving$2,715.59
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
Open Container$2,315.21
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.

 

Compare rates and save!

or
Location pin icon
No junk mail. No phone number. No fees.
Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.