Florida Car Insurance Rates

Projected insurance rates in Florida for 2018 are $1,802 annually for full coverage. Comprehensive insurance, collision, and liability coverage cost around $400, $732, and $466, respectively. Hialeah and Miami Gardens have more expensive average rates, and the three companies who insure the most vehicles in Florida are Geico, State Farm, and Progressive.

Average rate for full coverage: $1,802

Premium estimates for type of coverage:

Comprehensive $400
Collision $732
Liability $466

40-year-old driver, full coverage with $500 deductibles, and good driving record

Cost of Auto Insurance in Florida

For the normal driver, Florida insurance rates go from the low end price of $554 for just liability coverage to the much higher price of $3,890 for a driver who requires high-risk insurance.

Liability Only $554
Full Coverage $1,802
High Risk $3,890

These price differences show why everyone should compare rates for a specific zip code, rather than using rates averaged for all U.S. states.

Use the form below to get accurate rates for your location.

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Florida car insurance rate comparison chart
Column chart showing Florida car insurance prices range from $1,034 to $6,628 for full coverage

Chart shows Florida car insurance prices for different risks and coverage choices. The cheapest price with discounts is $1,034. Drivers choosing higher $1,000 deductibles will pay $1,546. The average price for a driver age 40 with no violations using $500 deductibles is $1,802. Selecting more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $2,302. If you have multiple accidents and violations you could be charged around $3,890. The rate for full coverage for a 16-year-old driver is $6,628.

Insurance prices in Florida also range considerably based on your vehicle choice, how you drive, and deductibles and policy limits.

Opting for high physical damage deductibles could save up to $760 a year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $420 more each year. View Rates by Deductible or Liability Limit

The make and model of vehicle you drive has a significant impact on the price you pay for auto insurance coverage in Florida. Choosing to drive a less expensive and safer vehicle will be cheaper to insure primarily due to lower cost for replacement parts and lower severity of accident injuries. This table shows auto insurance estimates for some of the more popular vehicles insured in Florida.

Florida Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,9045.4%
Dodge Ram$1,9567.9%
Ford Escape$1,502-20%
Ford Focus$1,746-3.2%
Ford Fusion$1,9145.9%
Ford F-150$1,696-6.3%
GMC Acadia$1,660-8.6%
GMC Sierra$1,8743.8%
Honda Accord$1,684-7%
Honda Civic$1,9728.6%
Honda CR-V$1,462-23.3%
Honda Pilot$1,714-5.1%
Hyundai Sonata$1,8281.4%
Kia Optima$1,8643.3%
Nissan Altima$1,8562.9%
Nissan Rogue$1,8120.6%
Toyota Camry$1,8382%
Toyota Corolla$1,798-0.2%
Toyota Prius$1,674-7.6%
Toyota RAV4$1,700-6%
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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The company you choose has an impact on price. In each state, every insurer has their own rate formula, and prices have large differences based on indivdual risk characteristics. In Florida, car insurance prices range from $967 with USAA to as high as $4,128 with Infinity. Companies like Amica, Electric, and Progressive fall in the middle.

Those are not necessarily the prices you would have to pay, as your Florida zip code, your motor vehicle report, and the vehicle you are insuring have to be considered.

Florida Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1Geico21.24%$2,129
2State Farm16.67%$2,089
3Progressive14.09%$1,811
4Allstate11.52%$2,364
5USAA6.58%$967
6Liberty Mutual3.25%$3,070
7Farmers Insurance2.86%N/A
8Infinity2.82%$4,128
9Travelers2.13%$1,907
10Windhaven Insurance1.70%$2,601
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,700 per year on average, or $142 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $6,600 a year. View Rates by Age

The city you live in makes a big difference in auto insurance rates. Rural areas could see prices as low as $1,400 a year, while Hialeah and Miami Gardens may have prices as high as $3,900. Even different areas with close proximity in the same city can have a wide range of rates.

These price discrepancies demonstrate the significance of getting rates based on where you live in Florida.

View Chart as Image

Florida insurance rates by city

If you have a few points on your driving record or you caused an accident, you could be paying at least $2,100 to $2,900 additional every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than the average rate. View High Risk Driver Rates

Because prices have so much variability, the only way to know your exact price is to regularly compare prices and see how they stack up. Every company utilizes a different rate formula, and rates will be varied.

Florida Auto Insurance Articles

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Rates by Driver Age

Florida Insurance Rates by Driver Age
Driver AgePremium
16$6,628
20$4,160
30$1,884
40$1,802
50$1,644
60$1,614

Full coverage, $500 deductibles

Rates by Deductible

Florida Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$2,302
$250$2,070
$500$1,802
$1,000$1,546

Full coverage, driver age 40

Rates by Liability Limit

Florida Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,802
50/100$1,895
100/300$2,012
250/500$2,315
100 CSL$1,942
300 CSL$2,198
500 CSL$2,385

Full coverage, driver age 40

Rates for High Risk Drivers

Florida Car Insurance Rates for High Risk Drivers
AgePremium
16$9,468
20$6,604
30$3,984
40$3,890
50$3,710
60$3,674

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

FR-44 Surcharge $250

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$96
Multi-vehicle$93
Homeowner$25
5-yr Accident Free$135
5-yr Claim Free$116
Paid in Full/EFT$85
Advance Quote$90
Online Quote$128
Total Discounts$768
Rate after discounts $1,034

Discounts are estimated and may not be available from every company or in every state.

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