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

The Zebra
Oct. 12, 2018

Car insurance is expensive in Florida. The average auto insurance rate in Florida is $1,878 annually — more than the national average by 31.6%.

Your car insurance costs are dictated by more than just the state in which you live. Auto insurance rates take into account an array of factors, including your age, gender, marital status, credit rating, and driving history.

We analyzed mean Florida car insurance rates by all of the major rating factors. Read on to see how much car insurance costs in your location — or enter your zip code to receive unique prices from top insurers.


Average Car Insurance Expenditure in Florida by Age

It's impossible to avoid: as you get older, your car insurance rates shift. Generally speaking, auto insurance is more expensive for young drivers, as car insurance companies view inexperienced motorists as less responsible.

In Florida, car insurance costs $5,984 per year for a 16-year-old driver, and only $1,641 yearly for a driver aged between 50 and 59.


FLORIDA AUTO INSURANCE COSTS BY AGE
Age Average Yearly Premium
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



Average Car Insurance Premiums in Florida by Gender

While gender does not make as significant an effect on car insurance prices as location or age, it is used as a rating factor. Men pay less than do women for car insurance in Florida, but the gap is just $34.10 per year.

FLORIDA CAR INSURANCE PREMIUMS BY GENDER
Gender Average Yearly Rate
Male $1,803.59
Female $1,837.69



Average Auto Insurance Premiums in Florida by Marital Status

One benefit of wedlock — in addition to the wedding gifts — is the better deal you often get on insurance. In Florida, wedded drivers save $81 per year on car insurance policies. This is a better deal than the national average of $76.


FLORIDA CAR INSURANCE COSTS BY MARITAL STATUS
Marital Status Average Annual Premium
Single $1,803.59
Married $1,722.90
Divorced $1,803.59
Widowed $1,762.38



Average Auto Insurance Rates in Florida by Credit History

Car insurance companies rely on credit history as a way of determining a potential customer's insurability. Historical data show drivers with exceptional credit are usually more dependable car insurance customers: they less commonly file claims covered by auto insurance.

In Florida, a driver with exceptional credit saves $1,889.03 annually in auto insurance premiums, versus a driver with a less-favorable credit score. Read more about how credit history affects car insurance rates:


FLORIDA CAR INSURANCE RATES BY CREDIT
Credit Level Average Yearly 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



Average Car Insurance Costs for Bad Drivers in Florida

If you've been defined as at fault in an accident or convicted of a driving violation, your insurance costs are bound to grow. The more violations you amass, the more expensive your car insurance policy becomes.

In Florida, your first minor at-fault accident leads to an additional $598.03 annually in car insurance payments. A DUI — considered one of the most serious vehicular infractions — can increase your yearly insurance rates in Florida by as much as $861.91.


FLORIDA CAR INSURANCE PRICES AFTER VIOLATIONS
Age Average Annual Rate
DUI or 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 your car insurance premiums cost more than average, think about weighing rates to find affordable coverage that suits your needs.


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