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

The Zebra
Feb. 7, 2019

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 mean Florida car insurance prices by each of the main pricing factors. See below how much car insurance costs in your state — or enter your zip code to receive personalized quotes from top car insurers.


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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 Bracket

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.




Mean Car Insurance Costs in Florida by Gender

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 Marriage Status

A benefit of 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.


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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 $1,889.03 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 $598.03 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 $861.91.


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 cheap insurance coverage that fits your budget.