Average car insurance cost in Florida
Florida is one of the most expensive places in America to insure a car, ranking #49 of 51. The average driver here pays about 50% more than the national average — an extra $1,236 a year for the same coverage a driver in a cheaper state gets for less.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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Florida car insurance FAQ
How much is car insurance in Florida?
Full-coverage car insurance in Florida averages $311 per month ($3,732 per year). A state-minimum liability policy averages $102 per month ($1,224 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Florida more expensive than average?
Yes. Florida's full-coverage average of $311/month is about 50% above the U.S. average of $208/month, ranking #49 of 51 (1 = cheapest).
Is Florida a no-fault state?
Yes. Florida uses a no-fault system, meaning drivers carry personal injury protection (PIP) and file injury claims with their own insurer regardless of who caused the accident. No-fault requirements are one reason premiums here run higher.
How much cheaper is minimum coverage in Florida?
Minimum liability in Florida averages $102/month versus $311/month for full coverage — a gap of $209/month, or $2,508/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.