Are Car Insurance Costs Trending Up in Florida?

Many drivers are aware from personal experience that car insurance prices commonly increase each year. But car insurance is complex: justifications for rate hikes and price cuts vary, and may differ based on the driver's location.

Geographic location is among the primary rating factors used by insurance companies to set premiums. The ZIP code, city, and state in which a car is parked and driven help determine car insurance rates, depending on state statutes and the risks associated with insuring cars in varying areas.

Due to the multi-faceted nature of car insurance pricing, yearly pricing trends are different in every state. Auto insurance prices might be on the rise each year in one state while they decrease in a neighboring state.

See below car insurance rate trends in Florida. If your insurance isn't following your state's trend, consider shopping for a more affordable policy. The Zebra's auto insurance comparison tool gathers rates based on your details — enter your ZIP below to get started.

Car insurance price trends in Florida

In Florida, the average annual auto insurance premium increased by $122 from 2017 to 2018. The typical driver in Florida pays an average of $2,059 annually.

The general trend in Florida is leaning toward higher auto insurance rates. From 2015 to 2018, rates went up by an average of $515 per year. At the same time, insurance prices across the United States have risen in recent years, climbing from $1,280 in 2015 to $1,470 in 2018.

Year Avg. Annual Premium — Florida Yearly Change — Florida Avg. Annual Premium — US Yearly Change — US
2018 $2,059 $122 $1,470 $32
2017 $1,937 $63 $1,437 $69
2016 $1,874 $330 $1,368 $88
2015 $1,544 -$40 $1,280 $51
2014 $1,584 -$88 $1,229 $34
2013 $1,672 $46 $1,195 -$80
2012 $1,626 $260 $1,276 $82

If your rates are rising faster than the average in your state, compare quotes and find a better deal.

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How are car insurance rates changing in the largest cities in Florida?

Auto insurance policies are priced at the ZIP code level with myriad variables influencing premiums in the area. That means drivers could see major differences in their insurance rates, based solely on their ZIP code or city. For instance, Tampa drivers endured a larger yearly rate increase (7.9%) than did drivers in Miami (7.6%) between 2018 and 2017.

See below annual rate changes in large Florida cities. If your city is expensive — and moving isn't on the table — you can always shop around for a more affordable rate.

City Avg. Premium Increase — 2018 vs. 2017
Tampa 7.9%
Miami 7.6%
Jacksonville 7.2%
Orlando 6.5%
Hialeah 6.4%

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance