Table of Contents
- How Much Does Car Insurance Cost in Florida?
- Average Car Insurance Cost in Florida per Month
- Average Car Insurance Cost in Florida by City
- Average Car Insurance Cost in Florida by the Age of the Driver
- Average Car Insurance Rates After an At-Fault Accident
- Average Car Insurance Costs for Good and Bad Credit
- What Else Affects Car Insurance Costs?
- How to Get Affordable Car Insurance
- FAQ
Before you hit the open road, you’ll want to make sure you have the right protection in place. Car insurance can offer a sense of security when you’re driving. While the average cost of car insurance is generally up across the country, many drivers in Florida may be paying higher-than-average premiums for coverage.
But geography is just one factor that can influence how much someone pays for insurance. Other considerations can include driving record, age, gender, credit score, car type, insurer, and level of coverage. Read on for a closer look at the average cost of car insurance in Florida and how different factors may impact what drivers pay for protection.
Key Points
• Florida ranks as the second most expensive state for car insurance, with premiums notably higher than the national average.
• The average cost of car insurance in Florida is $3,289 annually, $1,277 more than the national average.
• Selecting a car with a good safety record and lower repair costs can lead to more affordable insurance rates.
• Requesting discounts from insurance companies can help reduce car insurance costs.
• Comparing different insurance providers can reveal significant rate variations, helping you find the best deal.
How Much Does Car Insurance Cost in Florida?
Florida drivers pay an average of $3,289 per year on car insurance, according to a 2025 U.S. News & World Report analysis of cheap car insurance companies. (By comparison, the nationwide average is around $2,012 per year.) But as the chart below shows, that amount can vary widely by insurer.
| Company | Average Rate in Florida |
|---|---|
| Allstate | $4,657 |
| Geico | $2,604 |
| Mercury | $3,431 |
| Nationwide | $2,292 |
| Progressive | $4,450 |
| State Farm | $2,068 |
| Travelers | $2,099 |
| USAA | $2,635 |
Source: U.S. News & World Report
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Average Car Insurance Cost in Florida per Month
The average cost of car insurance per month in Florida is $274.08. That’s significantly higher than the national monthly average of $167.67.
Average Car Insurance Cost in Florida by City
Location can also impact car insurance costs. That’s because auto insurance companies consider factors such as local crime rates and traffic when determining how much to charge for coverage. The chart below illustrates how the price of full coverage car insurance changes for residents of some major cities in Florida.
| City | Average Annual Cost |
|---|---|
| Orlando | $3,725 |
| St. Petersburg | $4,229 |
| Fort Lauderdale | $4,629 |
| Tampa | $4,685 |
| Miami | $4,762 |
Source: Bankrate.com
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Average Car Insurance Cost in Florida by the Age of the Driver
A driver’s age and gender can impact premium prices. Generally speaking, younger, newer drivers may pay a higher premium because they tend to have more accidents than older, more experienced drivers. And women often pay lower premiums than men because they tend to have fewer drunk-driving accidents.
In the chart below, notice how insurance rates change based on age and gender.
| Company | 17-Year-Old-Female | 17-Year-Old-Male | 25-Year-Old-Female | 25-Year-Old-Male | 60-Year-Old-Female | 60-Year-Old-Male |
|---|---|---|---|---|---|---|
| Allstate | $15,526 | $17,246 | $4,861 | $4,980 | $4,256 | $4,402 |
| Geico | $5,814 | $6,273 | $2,898 | $2,865 | $2,469 | $2,293 |
| Mercury | $14,281 | $14,859 | $4,531 | $4,187 | $2,717 | $2,602 |
| National General | $11,110 | $11,689 | $6,255 | $6,472 | $4,734 | $4,704 |
| Nationwide | $6,210 | $7,828 | $2,574 | $2,715 | $1,941 | $2,033 |
| State Farm | $5,222 | $6,635 | $2,252 | $2,389 | $1,862 | $1,862 |
| Travelers | $6,205 | $7,500 | $2,336 | $2,362 | $1,840 | $1,889 |
| USAA | $6,638 | $7,602 | $3,120 | $2,883 | $2,413 | $2,336 |
| Statewide Average | $8,876 | $9,954 | $3,603 | $3,607 | $2,779 | $2,765 |
Source: U.S. News & World Report
Average Car Insurance Rates After an At-Fault Accident
Have a history of fender benders and tickets? You may end up having to pay more for coverage. In general, the better a driver’s record is, the more likely an insurance company will be to offer them lower rates. The chart below shows how the state’s average insurance can go up after one accident.
| Type of Policy | Clean Record | After One At-Fault Accident |
|---|---|---|
| Annual Car Insurance | $3,289 | $4,639 |
Source: U.S. News & World Report
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Average Car Insurance Costs for Good and Bad Credit
A driver’s credit score is typically used by insurers to help predict insurance losses and set rates. A good credit score can contribute to a lower premium, as demonstrated by the statewide averages below.
| Type of Policy | Good Credit | Bad Credit |
|---|---|---|
| Annual Car Insurance | $3,356 | $5,698 |
Source: U.S. News & World Report
What Else Affects Car Insurance Costs?
Here are some other factors that can impact how much someone pays for car insurance.
How Much You Drive
The more someone drives, the more likely they are to get into an accident simply because they’re on the road more often. As a result, driving more miles can lead to higher insurance prices.
Make and Model of the Car
When setting a rate, insurance companies often consider how expensive it would be to repair or replace the driver’s car. The higher these costs are, the more the driver will likely have to pay for coverage.
Amount of Coverage
How much car insurance do you need? The amount may be based on your personal preference or your state’s minimum car insurance requirements. But in general, the more coverage you have, the more expensive your policy will probably be.
Recommended: What Does Car Insurance Cover?
How to Get Affordable Car Insurance
Looking to lower car insurance costs? Here are some strategies to consider:
Choose a Car Wisely
If you’re shopping for a new car, you may want to take the price of insurance into consideration. The more expensive a vehicle is to fix or replace, the more it may cost to insure, for example. How safe a car is could also influence the cost of insurance. The Insurance Institute for Highway Safety website shares safety ratings for different makes and models of cars.
Recommended: Cheapest Cars to Insure
Request a Discount
Many insurance companies offer discounts for things like having a high GPA as a college student or being a longtime customer. Talking to your insurer will help you know what your options are.
Budget for a Higher Deductible
Choosing a higher deductible often means spending less on monthly premiums. However, it’s important to select a deductible you’ll be able to pay if you ever do need to file a claim.
Shop Around
As already mentioned, different auto insurers may charge different rates. Take some time to research and compare a handful of auto insurance issuers so you can find the one that provides the coverage you need for the best price.
Recommended: Find the Cheapest Car Insurance for You
The Takeaway
Though the price of car insurance varies across the country, drivers in Florida often pay higher-than-average costs. The average cost of car insurance in Florida is $3,289 per year, or $274.08 per month. However, several factors can impact how much you’ll pay, including your driving history, credit score, age, gender, location, insurer, and the type of car you have.
When you’re ready to shop for auto insurance, SoFi can help. Our online auto insurance comparison tool lets you see quotes from a network of top insurance providers within minutes, saving you time and hassle.
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FAQ
What is the average car insurance cost per month in Florida?
The average cost of car insurance in Florida is $3,289 annually. This means consumers spend an average of $274.08 per month.
Is it expensive to insure a car in Florida?
Florida is the second most expensive state to insure a car, according to U.S. News & World Report. On average, car insurance in Florida costs $1,277 more than the national annual average of $2,012.
How much is full coverage in Florida?
For extra peace of mind, some consumers may choose to buy a full coverage policy. In Florida, the average full coverage car insurance policy costs around $3,956.
How much is car insurance for a 25-year-old in Florida?
The amount may depend on your gender. A 25-year-old female driver in Florida spends an average of $3,603 per year, compared with $3,607 for a male driver of the same age.
Photo credit: iStock/FrankMirbach
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