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Key takeaways 💡
- Florida is one of the most expensive states for drivers, with a median car insurance cost of $4,064 a year for full coverage, or about $339 a month.
- The average cost of minimum coverage insurance is $1,014 a year, or about $84 a month.
- The cheapest company in Florida is State Farm, with a median annual rate of $1,148 a year for full coverage, or about $96 a month.
- Drivers can save on car insurance by shopping around, raising their deductible and asking about discounts.
According to NerdWallet’s May 2026 analysis, the average cost of car insurance in Florida is $4,064 per year for full coverage, or $339 per month, for a 35-year-old driver with good credit and a clean driving history. Meanwhile, the average cost of a minimum coverage policy is $1,014 per year, or about $84 per month.
But Florida car insurance rates are different for everyone. That’s because factors like your age, the car you drive, your insurance company and whether you’ve had a recent violation all affect how much you pay for coverage.
Read on for NerdWallet’s breakdown of how much car insurance in Florida costs by:
Read more about car insurance in your state
If you're looking for more specific information about auto insurance in the Sunshine State, take a look at the NerdWallet articles below.
How we found the average cost of car insurance in Florida
NerdWallet’s editorial team analyzed rates from 10 car insurance companies in Florida to determine the average cost of car insurance for drivers in several age brackets and with different driving histories, all driving a 2023 Toyota Camry LE. When looking at average costs by company, driving history and credit, we chose a 35-year-old driver.
For minimum coverage, we looked at rates that reflect the minimum insurance requirements in Florida. For full coverage, we used these coverage limits:
- $100,000 bodily injury liability per person.
- $300,000 bodily injury liability per accident.
- $50,000 property damage liability per accident.
- $100,000 uninsured motorist coverage per person.
- $300,000 uninsured motorist coverage per accident.
- Collision coverage with a $1,000 deductible.
- Comprehensive coverage with a $1,000 deductible.
Why trust NerdWallet
- 60+ years of combined experience covering insurance.
- 1.5 billion+ auto insurance rates analyzed by our team of experts.
- 700+ auto insurance companies analyzed in over 29,000 U.S. cities. (See our top picks.)
NerdWallet writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. Read our criteria for evaluating auto insurance companies.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
» MORE: Why is my car insurance so high?
Average car insurance cost in Florida: The cheapest companies
Out of the 10 Florida companies analyzed, State Farm emerged as the cheapest company overall for full coverage insurance. State Farm has an average annual rate of $2,101, or $175 per month, for a 35-year-old driver with good credit and a clean driving record.
GEICO is the cheapest option for minimum coverage, with an average rate of $358 per year, or about $30 per month.
Below are the average annual full coverage rates for the cheapest auto insurance companies in Florida, sorted from lowest to highest rate.
| Company | Rating URL | NerdWallet rating | Median monthly rate |
|---|---|---|---|
| State Farm | https://www.nerdwallet.com/insurance/auto/state-farm-auto-insurance-review | 4.8 | $175 |
| GEICO | https://www.nerdwallet.com/insurance/auto/geico-auto-insurance-review | 5 | $187 |
| Travelers | https://www.nerdwallet.com/insurance/auto/travelers-auto-insurance-review | 4.9 | $197 |
| UAIC | $222 | ||
| Nationwide | https://www.nerdwallet.com/insurance/auto/nationwide-auto-insurance-review | 4.8 | $298 |
If you want the cheapest car insurance in Florida, shop around and compare quotes from at least three insurers.
Looking for the cheapest car insurance in your city? NerdWallet also analyzed rates for some of the largest cities in Florida, including:
» MORE: Best car insurance in Florida
Average car insurance cost in Florida by age
The cost of car insurance in Florida varies widely based on your age. Younger drivers tend to pay more for a policy than older, more experienced drivers.
Here are the median car insurance rates in Florida for both full and minimum coverage, by age.
| Age | Median full coverage rate | Median minimum coverage rate |
|---|---|---|
| 20 | $7,830 | $1,738 |
| 30 | $4,069 | $1,021 |
| 35 | $4,064 | $1,014 |
| 40 | $3,865 | $983 |
| 50 | $3,516 | $931 |
| 60 | $3,310 | $880 |
| 70 | $3,555 | $885 |
Average cost of car insurance in Florida by driver profile
Drivers in Florida with a clean driving history will pay the least for auto insurance. But if you have a traffic violation, like a speeding ticket or at-fault accident, you can expect rates to go up. Drivers’ credit history can also play a part in how much they stand to pay for coverage.
Below are the median costs of car insurance in Florida for multiple driver profiles.
| Driver profile | Full coverage rate | Minimum coverage rate |
|---|---|---|
| Clean driving record, good credit | $2,317 | $621 |
| One speeding ticket, good credit | $2,960 | $794 |
| One at-fault crash, good credit | $3,434 | $908 |
| One DUI, good credit | $4,360 | $1,200 |
| Clean driving record, poor credit | $3,914 | $1,004 |
Average car insurance cost in Florida by zip code
Get an estimate for the cost of a full coverage policy based on your zip code below.
Estimate full coverage rates by ZIP code
Enter your ZIP code to find the average monthly car insurance rate for your area. Rates are for policies that include full coverage for a 35-year-old driver with good credit and a clean driving record.
» MORE: Get car insurance quotes online
Factors that affect the cost of car insurance
Personal characteristics Things like your age, gender, address and credit history all impact how much you’ll pay for auto insurance.
Driving record If you have a clean driving record, you’ll likely pay less for an auto policy than someone with accidents or violations on their record.
Your vehicle The car you drive plays a big role in how much it costs to insure it. For example, driving a car that costs a lot to repair will likely increase your rate.
How to get cheap car insurance in Florida
With rates the highest across the nation, finding affordable car insurance in Florida can be tricky.
If you’re wondering how to get cheap car insurance, here are six things you can try:
- Compare quotes from multiple insurers. Use NerdWallet’s car insurance comparison tool to easily shop for cheap auto insurance online. You may find that you already have the best car insurance deal, but prices can change, so check roughly once a year.
- Consider dropping coverage that you don’t need. If you finish paying off your car loan, you may be able to lower your rates by getting rid of comprehensive and collision coverage. However, this should only be an option if you could afford to replace your car yourself if it were totaled.
- Ask for discounts. You could save money from car insurance discounts you’re not taking advantage of. For example, maybe you work from home and don’t drive much. Mention that and you might get a low-mileage discount. Other common discounts are given for bundling car insurance with homeowners insurance, insuring multiple cars on the same policy and being a student.
- Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. Even if you moved to a more expensive area for car insurance, shopping around can help you get cheaper coverage.
- Raise your deductible. The higher your car insurance deductible, the more you pay out of pocket before insurance pays for a covered claim. The upside is that by raising your deductible, you’ll usually be able to lower your premium. Just make sure you have enough money set aside to cover the higher deductible if you ever get in an accident.
- Revisit quotes after your driving record improves. Shop for cheap auto insurance quotes online three to five years after any accidents, tickets or moving violations. They may have dropped off your driving record.
- Reconsider the car you drive. The type of car you drive affects how much you pay for auto insurance. For example, new and expensive cars tend to cost more to insure than older or less expensive cars, among other factors. Check out NerdWallet’s analysis of the cheapest cars to insure to see if your vehicle made the list.
Methodology
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 11 insurance companies in Florida. Liberty Mutual and its subsidiaries were excluded from our analysis because rates were not available.
These are median rates, and your rate will vary based on your personal details and insurance provider.
For full coverage policies, we used the following coverage limits:
- $100,000 bodily injury liability per person.
- $300,000 bodily injury liability per accident.
- $50,000 property damage liability per accident.
- $100,000 uninsured motorist coverage per person.
- $300,000 uninsured motorist coverage per accident.
- Collision coverage with a $1,000 deductible.
- Comprehensive coverage with a $1,000 deductible.
Minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
We used the same assumptions for all other driver profiles, with the following exceptions:
- For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in Florida.
- For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
- For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
These are rates generated through Quadrant Information Services. Your own rates will be different.
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