Florida Car Insurance Quotes & Average Rates
Full coverage car insurance in Florida is estimated at $3,509 a year, or $292 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $1,150 a year. Florida is a no-fault state, and drivers must carry at least $10,000 of property damage liability. Below you will find estimated rates for 245 Florida cities, a breakdown by age and driving record, and the coverage the state actually requires.
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Car insurance calculator — Florida
Estimated from state average premiums and your rating factors. Not a quote.
Your estimated premium
$292/ month
$3,509 per year · carriers in Florida typically quote $2,491 – $4,842
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Florida
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $2,667 | $222 | -24% | Military members and families only |
| Geico | $2,877 | $240 | -18% | Usually cheapest for clean records |
| State Farm | $3,088 | $257 | -12% | Strong for young and student drivers |
| Progressive | $3,334 | $278 | -5% | Competitive after a ticket or accident |
| Travelers | $3,404 | $284 | -3% | Good multi-policy discounts |
| Nationwide | $3,509 | $292 | 0% | Mid-market, wide availability |
| Allstate | $4,000 | $333 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $4,246 | $354 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Florida. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Florida car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $9,477 | $3,106 | $790 |
| 18 years old | $7,994 | $2,620 | $666 |
| 20 years old | $6,619 | $2,170 | $552 |
| 22 years old | $5,498 | $1,802 | $458 |
| 25 years old | $4,196 | $1,375 | $350 |
| 30 years old | $3,617 | $1,186 | $301 |
| 40 years old | $3,400 | $1,114 | $283 |
| 50 years old | $3,255 | $1,067 | $271 |
| 60 years old | $3,219 | $1,055 | $268 |
| 65 years old | $3,364 | $1,103 | $280 |
| 70 years old | $3,689 | $1,209 | $307 |
| 75 years old | $4,304 | $1,411 | $359 |
Estimated premiums by age in Florida, clean record, sedan.
How violations change your Florida premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $3,509 | — |
| 1 speeding ticket | $4,316 | +23% |
| 1 at-fault accident | $5,158 | +47% |
| DUI / DWI | $6,631 | +89% |
What a violation costs a 35-year-old in Florida. Surcharges normally stay on the policy for three to five years.
A DUI in Florida usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
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Florida minimum insurance requirements
| Required coverage in Florida | Minimum limit |
|---|---|
| Property damage liability | $10,000 |
| Personal Injury Protection $10,000 | Required |
| Insurance system | No-fault |
Limits are set by statute and change from time to time. Confirm the current figures with the Florida Department of Insurance before you buy.
Coverage levels in Florida
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $1,150 | $96 |
| Full coverage (100/300/100 + comp & collision) | $3,509 | $292 |
| Full coverage, high limits + low deductible | $4,175 | $348 |
Coverage level comparison for Florida.
Car insurance rates in Florida cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 245 Florida cities we price.
Jacksonville$4,330Miami$4,051Tampa$4,051Orlando$3,771St. Petersburg$3,771Hialeah$3,771Tallahassee$3,771Fort Lauderdale$3,771Cape Coral$3,771Pembroke Pines$3,771Port Saint Lucie$3,771Hollywood$3,492Gainesville$3,492Miramar$3,492Coral Springs$3,492West Palm Beach$3,492Palm Bay$3,492Clearwater$3,492Miami Gardens$3,492Pompano Beach$3,492Lakeland$3,492Brandon$3,492Davie$3,492Spring Hill$3,492Boca Raton$3,492Plantation$3,492Miami Beach$3,492Deltona$3,492Lehigh Acres$3,492Melbourne$3,492Sunrise$3,492Palm Coast$3,492Largo$3,492Homestead$3,492Kendall$3,492Deerfield Beach$3,492Town 'n' Country$3,492Alafaya$3,492Doral$3,492Fort Myers$3,492Boynton Beach$3,492Daytona Beach$3,492Lauderhill$3,492Riverview$3,492Weston$3,492Kissimmee$3,492Delray Beach$3,492Tamarac$3,492Carol City$3,492Jupiter$3,492Wellington$3,492North Miami$3,492North Port$3,492Pine Hills$3,492Port Orange$3,282Fountainebleau$3,282Coconut Creek$3,282Ocala$3,282Sanford$3,282Palm Harbor$3,282Margate$3,282Kendale Lakes$3,282Tamiami$3,282Sarasota$3,282Bradenton$3,282Port Charlotte$3,282Allapattah$3,282East Pensacola Heights$3,282Pensacola$3,282Little Havana$3,282Poinciana$3,282Palm Beach Gardens$3,282Bonita Springs$3,282Pinellas Park$3,282The Villages$3,282Coral Gables$3,282The Hammocks$3,282Flagami$3,282Apopka$3,282Country Club$3,282Cutler Bay$3,282Titusville$3,282Fort Pierce$3,282Oakland Park$3,282Wesley Chapel$3,282North Miami Beach$3,282North Lauderdale$3,282Ocoee$3,282Altamonte Springs$3,282University$3,282Ormond Beach$3,282Carrollwood Village$3,282Winter Garden$3,282Hallandale Beach$3,282North Fort Myers$3,282Princeton$3,282The Acreage$3,282Oviedo$3,282Panama City$3,282Winter Haven$3,282Aventura$3,282Royal Palm Beach$3,282Lake Worth Beach$3,282Plant City$3,282South Miami Heights$3,282Dunedin$3,282Kendall West$3,282Richmond West$3,282Valrico$3,282Ponte Vedra Beach$3,282Cooper City$3,282Egypt Lake-Leto$3,282Saint Cloud$3,282Lauderdale Lakes$3,282Winter Springs$3,282Merritt Island$3,282West Little River$3,282Riviera Beach$3,282Carrollwood$3,282Golden Glades$3,282Greenacres City$3,282Santa Rosa Beach$3,282Clermont$3,282Land O' Lakes$3,282Dania Beach$3,282Navarre$3,282Miami Lakes$3,282East Lake$3,282Lakeside$3,282Estero$3,282DeLand$3,282Parkland$3,282Winter Park$3,108Westchester$3,108Fruit Cove$3,108Ferry Pass$3,108Lake Magdalene$3,108Fleming Island$3,108Casselberry$3,108University Park$3,108Cutler Ridge$3,108Leisure City$3,108Four Corners$3,108Buenaventura Lakes$3,108Key West$3,108Temple Terrace$3,108Meadow Woods$3,108Rockledge$3,108Tarpon Springs$3,108Palmetto Bay$3,108Coral Terrace$3,108New Smyrna Beach$3,108Citrus Park$3,108Boca Del Mar$3,108Immokalee$3,108Keystone$3,108Sebastian$3,108Golden Gate$3,108Hialeah Gardens$3,108Norland$3,108Bayonet Point$3,108Eloise$3,108Bellview$3,108Crestview$3,108Wright$3,108Palm City$3,108Vero Beach South$3,108Jacksonville Beach$3,108East Naples$3,108Haines City$3,108The Crossings$3,108East Lake-Orient Park$3,108Bloomingdale$3,108Oak Ridge$3,108Holiday$3,108Palm Springs$3,108Venice$3,108South Bradenton$3,108Sunny Isles Beach$3,108Greater Northdale$3,108Northdale$3,108Wekiwa Springs$3,108Leesburg$3,108West and East Lealman$3,108Fort Walton Beach$3,108Brent$3,108Westchase$3,108Edgewater$3,108Naples$3,108West Pensacola$3,108Palm River-Clair Mel$3,108Sweetwater$3,108West Melbourne$3,108Lake Worth Corridor$3,108Ensley$3,108Oakleaf Plantation$3,108Lynn Haven$3,108Coconut Grove$3,108Pace$3,108Palm Valley$3,108DeBary$3,108Eustis$3,108Lealman$3,108Ives Estates$3,108Pinecrest$3,108Lutz$3,108Sun City Center$3,108Marion Oaks$3,108Jasmine Estates$3,108Bartow$3,108Punta Gorda Isles$3,108Belle Glade$3,108Florida Ridge$3,108Seminole$3,108Punta Gorda$3,108Cutler$3,108Ojus$3,108Cocoa$3,108Marco Island$3,108Maitland$3,108Safety Harbor$3,108Ruskin$3,108Glenvar Heights$3,108San Carlos Park$3,108Sandalfoot Cove$3,108Opa-locka$3,108Pinewood$3,108Stuart$3,108Sunset$3,108Vero Beach$3,108Bayshore Gardens$3,108Midway$3,108Lake Mary$3,108Country Walk$3,108Southchase$3,108Myrtle Grove$3,108New Port Richey$3,108Lake Wales$3,108Tavares$3,108Lake Butler$3,108Iona$3,108Brownsville$3,108West Park$3,108Three Lakes$3,108Auburndale$3,108
Frequently asked questions
▸How much is car insurance in Florida?
Full coverage in Florida is estimated at $3,509 a year, or $292 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $1,150 a year.
▸What car insurance is required in Florida?
Florida requires $10,000 of property damage liability, plus personal injury protection $10,000.
▸Is Florida a no-fault state?
Yes. Florida is a no-fault state: your own personal injury protection pays your initial medical bills regardless of who caused the crash, and your right to sue the other driver is limited.
▸Which Florida city has the cheapest car insurance?
Of the 245 Florida cities we price, Auburndale carries the lowest estimate at $3,108 a year, while Jacksonville is highest at $4,330. Urban density is the main driver of the gap.
▸How can I get cheaper car insurance in Florida?
Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.
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