Florida Car Insurance Quotes & Rates (2026)

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Get free coverage prices for FL drivers

For a 40-year-old driver with a clean record, Florida car insurance averages about $331 a month ($3,972 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 41% above the national average in our data. It’s higher than in Alabama and Georgia. Travelers has the lowest full-coverage average of the four major insurers we compared (Allstate, GEICO, Progressive and Travelers), at about $207 a month.

Florida car insurance: key numbers

• Full coverage: about $331 a month ($3,972 a year)
• Liability only (15/30/10): about $126 a month
• Lowest-priced insurer: Travelers has the lowest full-coverage average of the four major insurers we compared, at about $207 a month
• Recent price change: −10.5% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Palm Beach County (about $416 a month) and Walton County (about $255)

Where you live matters. South Florida costs the most in our data: Palm Beach County averages about $416 a month for full coverage, Miami-Dade County $411 and Broward County $391, with Hillsborough County, home to Tampa, close behind at $390. The western Panhandle costs the least: Okaloosa, Walton and Washington counties each average about $255, the lowest of the 66 counties we price. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 805 Florida ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in Florida? Average Monthly Cost for Full Coverage

For a 40-year-old driver with a clean record, full coverage in Florida averages about $331 a month ($3,972 a year). Liability-only coverage at 15/30/10 limits averages about $126 a month ($1,508 a year). Both use rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Florida averages $3,972 a year, or about $331 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,508 a year ($126 a month), and 50/100/50 liability with comprehensive and collision averages $3,409 ($284 a month).

• Full coverage (100/300/100, $500 deductibles): $3,972 a year ($331 a month)
• 50/100/50 with $500 deductibles: $3,409 a year ($284 a month)
• Liability only (15/30/10): $1,508 a year ($126 a month)
• Miami: $4,856 a year ($405 a month) for full coverage
• Tampa: $4,927 a year ($411 a month) for full coverage
• Orlando: $3,842 a year ($320 a month) for full coverage
• Jacksonville: $3,849 a year ($321 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Florida Compares With Neighboring States

Florida’s average is about $160 a month above Alabama’s and $123 above Georgia’s. It’s the fourth-highest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance Rates in Florida: Companies Compared

Among these four insurers, the best full-coverage rates in Florida come from Travelers and GEICO: for our benchmark driver, Travelers averages about $207 a month and GEICO about $250, the two lowest. A ticket, an at-fault crash or a DUI changes how insurers price you, so the order can be different for your record.

• Lowest average in our data, full coverage: Travelers, at about $207 a month ($2,478 a year).
• Next lowest among these four insurers: GEICO, at about $250 a month, then Allstate at $406.
• Lowest liability-only average (15/30/10): GEICO, at about $82 a month, then Travelers at $91.
• State Farm (Nov. 2025 rates)*: about $221 a month for full coverage, from its November 2025 rates.
• Also on our list: United Automobile Insurance at about $256 a month, Nationwide at $298, Mercury at $331, Farmers at $424 and National General at $447.
• Most expensive in our data: Progressive, at about $453 a month for full coverage, $2,955 a year more than Travelers.

Travelers has the lowest full-coverage average among the four insurers in our Florida rate data. Among the published 2026 statewide Florida rate studies we reviewed, there is no agreement on the cheapest insurer for full coverage. Of the eight that rank insurers, three name State Farm, three name GEICO and two name Travelers. For liability-only coverage at 15/30/10 limits, GEICO has the lowest average among these four insurers, at about $82 a month, followed by Travelers at $91.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.

See What You’d Pay in Florida

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

One ZIP code gets you started

How Florida’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Florida?

Not for our benchmark driver. Comparing the three insurers that are in both sets of rates, in the same Florida ZIP codes, their full-coverage average fell from $4,955 a year nine months earlier to $4,434 in rates as of Aug. 31, 2026, a 10.5% drop. Progressive cut its Florida average 18.0%, GEICO 5.1% and Allstate 4.2%. Travelers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Florida average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 10.1%, led by Progressive, which cut its liability-only average 15.3%. In March 2026, Florida’s Office of Insurance Regulation reported an indicated average rate change of −8% for the state’s five largest auto insurance groups: Progressive, Berkshire Hathaway (GEICO’s parent), State Farm, Allstate and USAA.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Florida Car Insurance Costs

Florida’s full-coverage average is the fourth-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• South Florida costs the most. Palm Beach County, Miami-Dade County and Broward County are the three most expensive counties in our data. West Palm Beach averages $438 a month, the highest of the 20 Florida cities with nine or more ZIP codes we price, Miami $405 and Fort Lauderdale $386.
• North Florida costs less. Jacksonville averages about $321 a month, Tallahassee $271 and Gainesville $257, the lowest of the 20 cities with nine or more ZIP codes we price, and Panhandle counties such as Okaloosa and Walton average about $255.
• No-fault coverage on every car, bodily injury on few. Every registered vehicle must carry $10,000 in personal injury protection and $10,000 in property damage liability, but bodily injury liability isn’t required for most drivers. Our liability-only prices are for 15/30/10 limits, which include 15/30 bodily injury liability most Florida drivers don’t have to carry.

Florida Car Insurance Rates by City

Among cities with at least nine ZIP codes in our data, West Palm Beach is the most expensive, at $438 a month for full coverage, followed by Tampa at $411 and Boca Raton at $406. Gainesville is the least expensive of those cities, at about $257. Among the 248 cities and towns where all four insurers are priced in every ZIP code, averages run from about $472 in Lake Worth Beach to $244 in Niceville. The town of Palm Beach has the highest average in our city table, about $528, and North Miami Beach the next highest, $483, but Travelers, the lowest-priced insurer in our statewide data, isn’t priced in either, so their averages cover three insurers.

The table lists all 298 Florida cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Florida City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table. We have a Miramar guide. ZIP codes that serve Miramar, such as 33025 and 33027, have a Hollywood mailing address in our data, so their prices are in the Hollywood row of the city table. The Pembroke Pines and Coral Springs guides cover more ZIP codes than their rows in the city table, which include only the ZIP codes with a Pembroke Pines or Coral Springs mailing address.

Florida Car Insurance Rates by County

Palm Beach County is the most expensive county in our data, at about $416 a month for full coverage, followed by Miami-Dade County ($411) and Broward County ($391). The least expensive in our data are Walton, Washington and Okaloosa counties (each $255). We price 66 of Florida’s 67 counties.

How Much More Does Better Coverage Cost in Florida?

Raising liability limits from 50/100/50 to 100/300/100 adds about $563 a year on average statewide in our data, with the same $500 deductibles. Across the four insurers, the step up costs $183 (Travelers) to $873 (Progressive) a year. Statewide, that’s about $47 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Florida Car Insurance Rules at a Glance

What Car Insurance Is Required in Florida?

Every owner of a vehicle registered in Florida must keep personal injury protection (PIP) and property damage liability (PDL) in force, even when the vehicle isn’t being driven, according to the Florida Department of Highway Safety and Motor Vehicles. The minimums are:

• $10,000 in personal injury protection, under Florida Statutes section 627.736.
• $10,000 in property damage liability for any one crash, under section 324.022.

PIP pays 80% of necessary medical bills and 60% of lost income, up to $10,000, plus a $5,000 death benefit, whoever caused the crash. You must get initial treatment within 14 days of the crash for PIP to pay medical benefits. Insurers offer PIP deductibles of $250, $500 and $1,000, under section 627.739.

Bodily injury liability isn’t required for most Florida drivers. It becomes required in two cases:

• After certain crashes: drivers at fault in an injury crash without bodily injury coverage can have their license suspended and must then carry $10,000 per person and $20,000 per crash in bodily injury liability, with an SR-22 filing for three years, according to the department.
• After a DUI: 100/300/50 liability, certified with an FR-44 filing for at least three years, under section 324.023.

Uninsured motorist coverage isn’t required, but a policy with bodily injury liability must include it at the same limits unless you reject it in writing or choose lower limits, under section 627.727. Medical payments coverage is optional, according to the Florida Department of Financial Services.

If your coverage lapses, your driver license and license plate can be suspended for up to three years, according to the department, and reinstatement costs $150 the first time, $250 the second time within three years and $500 for a third or later time within three years, under section 324.0221. You can show proof of insurance on your phone, under section 316.646.

Florida’s no-fault law wasn’t repealed in 2025 or 2026. The 2026 bills, S.B. 522 and H.B. 769, died in committee on March 13, 2026, and a 2025 repeal bill, H.B. 1181, also died. New residents must register their vehicles with Florida insurance within 10 days and get a Florida driver license within 30 days, according to the department.

How to Lower Your Car Insurance Rate in Florida

1. Quote several insurers. Statewide, the lowest and highest insurer averages are about $246 a month apart for the same driver and car.
2. Compare Travelers and GEICO first. They have the two lowest full-coverage averages among the four major insurers we compared statewide, about $207 and $250 a month.
3. See a doctor within 14 days. Florida PIP pays medical benefits only if you get initial treatment within 14 days of the crash, under Florida Statutes section 627.736. You can choose a PIP deductible of $250, $500 or $1,000, under section 627.739; a higher one means you pay more of a claim yourself. Our guide to what to do after a car accident covers the other steps.
4. Keep coverage continuous. Florida requires PIP and property damage liability for as long as a vehicle is registered, even if you don’t drive it, and the Florida Department of Highway Safety and Motor Vehicles says to surrender your plate before you cancel. A lapse can lead to a license and plate suspension and a reinstatement fee of up to $500.
5. Think about bodily injury coverage. PIP pays for your own injuries, not for injuries you cause to others, and Florida doesn’t require bodily injury liability for most drivers. Without it, an at-fault injury crash can lead to a license suspension and three years of SR-22 filings, according to the state.
6. Your driving record changes the order. Our prices are for a driver with a clean record. After an at-fault crash, a ticket or a DUI, insurers price you differently, so the lowest-priced insurer in our data may not be the lowest-priced for you. A DUI also brings an FR-44 requirement of 100/300/50 liability for at least three years, under section 324.023. Our car insurance discounts guide lists other ways to lower your price.
7. Get help with a claim or complaint. The Florida Department of Financial Services runs a toll-free consumer helpline, 1-877-693-5236, and once a concern is filed, the insurer has 14 days to respond to the department. Florida’s Office of Insurance Regulation also shows average rates by county and company for three sample drivers in its CHOICES comparison tool.
8. Compare at every renewal. Over the past nine months, Progressive has cut its statewide average 18.0%, GEICO 5.1% and Allstate 4.2%, so the order in our table can shift.
9. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
10. Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Florida and our home insurance guides for Miami, Orlando and Tampa, then compare free home insurance quotes.

Compare Florida Car Insurance Quotes

Auto Insurance

• Auto Insurance
• Health Insurance
• Home Insurance
• Commercial Auto Insurance
• Life Insurance
• Business Insurance

Zip Code:

Please provide a valid zip code.

Get Quotes

Start with your ZIP code. It’s free

How We Calculated Florida Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 3,161 full-coverage premiums from four insurers across 805 Florida ZIP codes, plus the same number of liability-only and 50/100/50 premiums. Travelers is priced in 746 of the 805 ZIP codes, so its average covers those ZIP codes. Most of the other 59 are coastal.
• Insurer count: our Florida averages come from four insurers, fewer than in most states. Two of them, Allstate and Progressive, charge more for full coverage than GEICO in every Florida city and town we price and more than Travelers everywhere it’s priced, often far more, so the averages can move a lot when one insurer changes its prices. We publish them as calculated, without adjustment.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/10 limits, with 15/30 uninsured motorist coverage and no comprehensive or collision. Florida requires $10,000 in personal injury protection and $10,000 in property damage liability on every registered vehicle, but not bodily injury liability for most drivers, so our liability-only prices include 15/30 bodily injury liability that most Florida drivers aren’t required to carry.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Travelers is new in our rates since November 2025 and State Farm’s row uses its November 2025 rates, so both are left out of rate-change comparisons; the other three insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Florida rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Florida law and the Florida Department of Highway Safety and Motor Vehicles. We refresh these figures when new rate data is released.

More Florida Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile, coverage levels and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Florida Car Insurance Rates by County and Vehicle Type

Florida Car Insurance FAQ