How Much Does Florida Car Insurance Cost on Average?
- In Florida state minimum liability costs around $158 a month or $1,897 a year. Full Coverage policies cost around $473 a month or $5,678 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Florida – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Auto liability insurance rates in FL also vary by the type of vehicle you drive as seen below:
- Car – Sedan: $970
- SUV: $830
- Coupe: $956
- Truck: $942
- Hybrid: $923
Cheapest Car Insurance Companies in Florida
- In Florida on average the cheapest auto insurance companies are GEICO, State Farm and Direct Auto. State minimum liability car insurance starts at $93 a month or $1,119 a year with GEICO. Full coverage car insurance costs around $256 a month or $3,069 a year with State Farm.
Here is a breakdown of average costs from the cheapest local insurance providers in Florida from our data set of used-car drivers who are single, middle aged and have a clean driving record.
| Insurance Provider: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| GEICO | $1,119 | $93 | $4,048 | $337 |
| State Farm | $1,181 | $98 | $3,069 | $256 |
| Direct Auto | $1,645 | $137 | $5,713 | $476 |
| Allstate | $1,819 | $152 | $6,003 | $500 |
| Progressive | $1,832 | $153 | $4,354 | $363 |
Compare Popular FL City Car Insurance Costs
In Florida, which ranks as the 6th most expensive state for car insurance, the average annual cost of an auto policy is $1,546. But, depending on where you live, the cost can end up being much higher or lower.
“Geography and population density play an important role in determining what Floridians pay for auto insurance,” said Laura Adams, senior insurance analyst at insuranceQuotes. “Living in more densely populated areas comes with a higher likelihood of accidents because there are more drivers on the road—which in turn drives up your car insurance rates.”
The following cities, on average, have the most expensive annual auto insurance rates in Florida:
- Hialeah – $2,719; 76% above the state average
- Opa Locka – $2,597; 68% above the state average
- Miami – $2,497; 62% above the state average
- Miami Gardens – $2,480; 60% above the state average
- Homestead – $2,314; 50% above the state average
Meanwhile, the following five cities have the least expensive:
- Waldo – $1,169; 24% below the state average
- Alachua – $1,171; 24% below the state average
- Gainesville – $1,174; 24% below the state average
- Earlton – $1,175; 24% below the state average
- Newberry – $1,177; 24% below the state average
The study also ranked policy costs by county, finding that Miami-Dade was the most expensive, with an average annual cost of $2,457, i.e. 58.9% above the state average—and that Alachua was the least expensive county, with an average annual cost of $1,177, i.e. 23.9% below the state average.
| Florida Cities: | State Minimum | SM Monthly | Full Coverage | FC Monthly |
|---|---|---|---|---|
| Boca Raton | $1,897 | $158 | $5,678 | $473 |
| Cape Coral | $1,302 | $108 | $3,901 | $325 |
| Clearwater | $1,624 | $135 | $5,038 | $420 |
| Coral Springs | $1,946 | $162 | $5,695 | $475 |
| Daytona Beach | $1,292 | $108 | $3,904 | $325 |
| Fort Lauderdale | $1,812 | $151 | $5,480 | $457 |
| Fort Myers | $1,309 | $109 | $3,997 | $333 |
| Gainesville | $1,130 | $94 | $3,452 | $288 |
| Hialeah | $2,273 | $189 | $6,248 | $521 |
| Hollywood | $1,861 | $155 | $5,601 | $467 |
Popular Florida City Cost Guides:
Popular Florida City Cost Guides
- Boca Raton Car Insurance
- Cape Coral Car Insurance
- Clearwater Car Insurance
- Coral Springs Car Insurance
- Daytona Beach Car Insurance
- Fort Lauderdale Car Insurance
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Florida Car Insurance Costs by County
The data we’ve compiled is based off of one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The driver is 40 years old, married, employed, a college graduate, and has a good credit score rating with a clean driving record. Your exact car insurance quotes will vary, but this gives a Florida driver a good idea of what to expect in auto insurance rates by their county when comparing quotes as seen below:
| Florida County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Alachua | $811 | $636 | $825 | $768 | $766 |
| Baker | $956 | $712 | $929 | $930 | $905 |
| Bay | $922 | $723 | $934 | $884 | $874 |
| Bradford | $880 | $680 | $876 | $846 | $836 |
| Brevard | $925 | $725 | $925 | $898 | $880 |
| Broward | $1,197 | $922 | $1,203 | $1,148 | $1,133 |
| Calhoun | $1,105 | $787 | $1,007 | $1,105 | $1,055 |
| Charlotte | $875 | $686 | $882 | $843 | $831 |
| Citrus | $965 | $748 | $957 | $931 | $918 |
| Clay | $905 | $686 | $878 | $891 | $862 |
Florida State Minimum Liability Requirements
To meet the minimum requirements of the Florida Financial Responsibility Law, your auto insurance must have the following:
- $10,000 for one person in bodily injury liability
- $20,000 for two or more people in bodily injury liability
- $10,000 per accident in property damage liability
- $30,000 in combined single limits
To meet the minimum requirements of the Florida No-Fault Law, your auto insurance must have the following:
- $10,000 per person/accident in personal injury protection
- $10,000 per car accident in property damage liability
Things to Know About Auto Insurance in FL
As a driver in Florida, one of the biggest things you need to know about having auto insurance is that if you let your policy lapse and do not obtain an alternate source of insurance, your driver’s license can be suspended until you provide adequate proof of insurance. Insurance companies report all lapses in coverage and canceled policies to the state. If local law enforcement finds you driving without proof of insurance, you will be ticketed.
There are many discounts available to Florida auto insurance policyholders. Being a good driver, having passive restraints, having vehicle alarms, parking a vehicle in a garage, and having airbags in the vehicle are all examples of discounts insurance companies may offer.
Insurance premiums also vary greatly depending on where in Florida you live, so be sure to factor in your city and county when budgeting for your insurance.
Important Information if You’re Moving to Florida
The state of Florida requires all new residents to obtain a driver’s license within 30 days of moving to Florida. It’s a good idea to make an appointment with the local DMV office, as long lines are possible.
To obtain a license as an out-of-state driver, you must do the following:
- Surrender your out-of-state license
- Show additional proof of identity like your Social Security card, passport, or government-issued ID
- Take a vision exam
In addition, your driving record will be checked. Should a questionable driving history be found, you might be required to take a written exam.
You are also required to register any vehicle in Florida within 10 days of establishing residency or registering a child in the Florida school system. To register a vehicle, you must have proof of insurance with the minimum Florida requirements, proof of ownership, and verification of the Vehicle Identification Number, or VIN.
One important thing to note: You must obtain your driver’s license before you may register a vehicle.
FL Driving Laws for Teens
Florida utilizes a graduated licensing program, similar to what is the norm in many other states. This kind of system restricts the privileges of young drivers, but allows them to safely gain driving experience in lower-risk conditions.
- At age 15, an individual may apply for an instructional permit after completing the state’s traffic laws and substance abuse course and passing a written and vision test.
- After holding a permit for a year with 50 hours of driving time and without traffic violations, a 16 year old can apply for a restricted license, where they are limited to driving between the hours of 6 am and 11 pm alone.
- At age 17, these hours are extended to the hours of 5 am to 1 am.
- At age 18, the individual is eligible for a full, unrestricted driver’s license.
Since drivers must have liability insurance to get a valid driving permit under Florida law, parents have two options regarding auto insurance for their teenagers in Florida. They can either add them to their insurance policy or purchase a separate policy for them. Purchasing a separate policy for their teenager would incur higher costs, but would provide more coverage for the teen. Adding the teen to their current policy would not be as expensive, but may not provide as much insurance coverage for them. It is up to the parent to decide what is best for them and their teen.
