Are Car Insurance Costs Trending Up in Florida?

The Zebra
May 31, 2019

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.


FLORIDA AUTO INSURANCE PRICE TRENDS
YearAvg. Annual Premium — FloridaYearly Change — FloridaAvg. Annual Premium — USYearly 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.


CityAvg. Premium Increase — 2018 vs. 2017
Tampa7.9%
Miami7.6%
Jacksonville7.2%
Orlando6.5%
Hialeah6.4%

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