The average cost of car insurance in Florida in 2023 is $246/per month for full coverage and $94 per month for minimum coverage.
The average cost of car insurance in Florida in 2023 is $246 per month for full coverage and $94 per month for minimum coverage. This makes Florida the most expensive state in the country for car insurance.
Florida drivers pay an average of about $2,104 more per year for full coverage car insurance than drivers in the rest of the country. The high cost of car insurance in Florida is due to a number of factors, including the state's no-fault auto insurance laws, the high percentage of uninsured motorists, the high-risk exposure due to extreme weather conditions, and the average driver profile, which is older than the national average.
Here's a table showing the average annual cost of full coverage car insurance for minimum liability and full coverage in selected Florida cities:
| City | Minimum Liability | Full Coverage |
| Miami | $1,548 | $3,483 |
| Fort Lauderdale | $1,476 | $3,331 |
| Orlando | $1,383 | $3,154 |
| Jacksonville | $1,358 | $3,086 |
| Tampa | $1,323 | $3,011 |
| St. Petersburg | $1,288 | $2,933 |
| Hialeah | $1,253 | $2,858 |
| Coral Gables | $1,218 | $2,783 |
| Sarasota | $1,183 | $2,708 |
| Cape Coral | $1,148 | $2,633 |
Here's a table showing the average annual cost of full coverage car insurance in Florida for selected insurance companies:
| Insurance Company | Average Annual Cost |
| State Farm | $1,813 |
| Geico | $2,057 |
| Progressive | $2,407 |
| Farmers | $2,433 |
| Liberty Mutual | $2,443 |
| Nationwide | $2,468 |
| Allstate | $2,532 |
| USAA | $2,572 |
| American Family | $2,602 |
| Travelers | $2,693 |
Here is a table showing the average annual cost of full coverage car insurance in Florida by age:
| Age | Average Annual Cost |
| 16-19 | $5,984 |
| 20-24 | $4,421 |
| 25-29 | $3,391 |
| 30-34 | $3,211 |
| 35-39 | $3,151 |
| 40-44 | $3,073 |
| 45-49 | $2,989 |
| 50-54 | $2,981 |
| 55-59 | $2,900 |
| 60+ | $2,747 |
Here is a table showing the average annual cost of car insurance in Florida your driving history
| Driving History | Average Annual Cost |
| Accident-free | $2,460 |
| One accident | $3,400 |
| Two accidents | $4,800 |
| Three or more accidents | $6,000 |
Here is a table showing the average annual cost of car insurance in Florida your credit history
| Credit History | Average Annual Cost |
| Excellent | $2,200 |
| Good | $2,400 |
| Fair | $2,600 |
| Poor | $3,000 |
In Florida, the standard car insurance policy is a minimum liability policy, which provides coverage for bodily injury liability (BIL) and property damage liability (PDL). BIL coverage pays for medical expenses and lost wages if you injure someone else in an accident, while PDL coverage pays for damage to the other driver's property.
The minimum liability coverage limits in Florida are as follows:
Here is a table summarizing who pays for car damage in Florida:
| Type of Insurance Coverage | Who Pays |
| PIP coverage | Your own insurance company, regardless of who is at fault for the accident |
| PDL coverage | Your insurance company, if you are at fault for the accident |
| Collision coverage | Your insurance company, minus your deductible, regardless of who is at fault for the accident |
| Comprehensive coverage | Your insurance company, minus your deductible |
| UM/UIM coverage | Your insurance company, if you are injured in an accident with an uninsured or underinsured driver |
If you are looking to save money on your car insurance in Florida, there are a number of things you can do, such as shopping around for different insurance quotes, maintaining a clean driving record, raising your deductible, taking advantage of discounts, and considering bundling your insurance.
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