Florida car insurance averages $158/month for state-minimum liability and $473/month for full coverage in 2026, based on InsuranceQuotes.com’s analysis of market rate data. GEICO offers the cheapest minimum-liability rates at $93/month, while State Farm leads full coverage at $256/month. Florida is one of only 12 no-fault states, requiring $10,000 in personal injury protection (PIP) on every policy.
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
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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.
How Does a DUI or Ticket Affect Your Florida Car Insurance Rate?
Florida penalizes moving violations more heavily than most states, largely because it’s a no-fault state with high litigation and claims costs baked into every policy. 2026 industry rate data shows a DUI conviction raises full coverage premiums by roughly 32-33%, which on a typical Florida policy adds $65 a month or more. Even a routine speeding ticket or at-fault accident can add a meaningful chunk to your premium, since Florida insurers weigh recent violations heavily when Florida’s overall claims environment is already elevated by hurricane and flood risk. Surcharges from a single violation typically stay on your record for three years, so shopping around at that three-year mark — once the surcharge drops off — is one of the most reliable ways to bring your rate back down.
Does Credit Score Affect Your Florida Car Insurance Rate?
Yes — Florida is one of the states that allows insurers to factor a credit-based insurance score into your premium. 2026 rate data shows drivers with poor credit paying roughly 13% to 33% more for full coverage than drivers with good credit, depending on the carrier. That’s a meaningful swing on top of Florida’s already-high baseline rates, which are driven up by no-fault claims costs and hurricane exposure. If your credit has improved since you last shopped for a policy, re-quoting is one of the easiest ways to capture savings without changing your coverage at all.
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.
Is Florida a No-Fault State? What Drivers Must Know
Yes — Florida is one of only 12 no-fault states in the U.S., and it directly affects what car insurance you are legally required to carry. In a no-fault state, your own insurance pays your medical bills after an accident regardless of who caused the crash, instead of filing a claim against the at-fault driver.
Florida’s no-fault system requires all drivers to carry Personal Injury Protection (PIP) as part of their minimum coverage. Here’s exactly what Florida’s no-fault law requires in 2026:
- Personal Injury Protection (PIP) — $10,000 minimum: Covers 80% of reasonable medical expenses and 60% of lost wages, plus a $5,000 death benefit. PIP pays regardless of fault.
- Property Damage Liability (PDL) — $10,000 minimum: Covers damage you cause to another person’s property (vehicle, fence, etc.) in an at-fault accident.
- Bodily Injury Liability (BIL) — NOT required for most drivers: Florida is one of the only no-fault states that does not mandate BIL. However, it is strongly recommended — without it, you can be personally sued for damages exceeding your PIP limits.
Important: Florida’s no-fault law does not prevent lawsuits for serious injuries. If injuries meet the “serious injury threshold” — including permanent injury, significant disfigurement, or death — the injured party can sue the at-fault driver beyond PIP coverage limits.
Florida Car Insurance Rates by Driver Age (2026)
Driver age is one of the biggest factors in Florida car insurance pricing. Teen drivers can pay 3–4x more than middle-aged drivers due to higher crash risk. Here’s how rates vary by age group in Florida in 2026:
| Age Group | Avg. Minimum Coverage/mo | Avg. Full Coverage/mo | vs. State Average |
|---|---|---|---|
| Teen (16–19) | ~$340–$420 | ~$900–$1,100 | 115–165% above average |
| Young Adult (20–25) | ~$210–$260 | ~$560–$700 | 33–64% above average |
| Adult (26–45) | ~$140–$180 | ~$420–$510 | Near state average |
| Middle-Aged (46–65) | ~$120–$155 | ~$380–$460 | 5–15% below average |
| Senior (65+) | ~$150–$200 | ~$430–$550 | Near or above average |
Rates shown are estimates based on Quadrant Information Services data for a Florida driver with a clean driving record and good credit. Teens and young adults can significantly reduce rates by staying on a parent’s policy and taking a Florida-approved defensive driving course.
How to Get Cheap Car Insurance in Florida
Florida consistently ranks among the most expensive states for car insurance — but comparison shopping and strategic discounts can cut your premium significantly. In 2026, GEICO’s Florida minimum coverage starts at $93/month, compared to Allstate at $152/month — a $708/year difference for the same coverage. Here’s how to get the cheapest rate available to you:
- Compare at least 3–5 quotes before you buy. Florida rates vary enormously between carriers — up to 65% for the same driver. Use InsuranceQuotes to compare GEICO, State Farm, Progressive, Allstate, and Direct Auto side-by-side in minutes.
- Bundle home and auto insurance. Most carriers offer 5–15% discounts when you bundle policies. Florida homeowners who bundle with GEICO or State Farm can save $200–$400 per year.
- Keep a clean driving record. One at-fault accident in Florida can raise your rate by 30–40%. A DUI can double or triple your premium and require an FR-44 filing (Florida’s version of SR-22).
- Take a Florida-approved defensive driving course. Completing a state-approved course qualifies most drivers for a discount — typically 5–10% — and can also reduce points on your license.
- Raise your deductible. Increasing your collision and comprehensive deductible from $500 to $1,000 can lower full coverage premiums by 10–15% in Florida.
- Maintain good credit. Florida insurers use credit-based insurance scores to set rates. Drivers with poor credit pay 40–70% more than drivers with excellent credit for the same coverage.
- Drop unnecessary coverage on older vehicles. If your car is worth under $4,000–$5,000, carrying collision and comprehensive may not be cost-effective compared to what the insurer would pay out.
SR-22 and FR-44 Insurance in Florida
Florida uses two types of high-risk insurance certificates: SR-22 and the stricter FR-44. These are not separate types of insurance — they are certificates your insurer files with the Florida DHSMV to prove you maintain required coverage after certain violations.
- SR-22 in Florida: Required for less serious violations such as driving without insurance, accumulating too many license points, or having a suspended license. SR-22 requires maintaining at least Florida’s standard minimum coverage ($10,000 PIP / $10,000 PDL). Most carriers file SR-22 for a $15–$25 fee.
- FR-44 in Florida: Required after DUI/DWI convictions. FR-44 mandates higher liability limits than standard minimum: $100,000 Bodily Injury Liability per person, $300,000 per accident, and $50,000 Property Damage Liability. FR-44 requirements significantly increase insurance costs — expect premiums to rise 50–100% or more after a DUI conviction in Florida.
Both SR-22 and FR-44 are typically required for 3 years following the qualifying violation. If your policy lapses during this period, your insurer must notify the state, which can result in license suspension. Not all Florida insurers offer SR-22 or FR-44 filings — if you need one, compare quotes specifically from carriers that serve high-risk Florida drivers.
- 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.
Compare Car Insurance Rates in Florida Cities
Frequently Asked Questions About Florida Car Insurance
How much is car insurance in Florida per month?
Florida drivers pay around $158 a month for state-minimum liability coverage and roughly $473 a month for full coverage, according to InsuranceQuotes.com’s rate data for a single, middle-aged driver with a clean record. Florida’s rates run higher than most states because it’s a no-fault state with significant PIP claims costs, plus added hurricane and flood risk factored into comprehensive coverage.
What is the cheapest car insurance in Florida?
Rates vary significantly by provider, driving record, and location within the state. GEICO is one of the more competitively priced major carriers in Florida, with rates starting around $93 a month in 2026, though your actual rate depends on your ZIP code, vehicle, and driving history. Comparing quotes from multiple carriers is the most reliable way to find the lowest rate for your specific profile.
Is Florida a no-fault car insurance state?
Yes. Florida requires drivers to carry Personal Injury Protection (PIP) coverage, which pays for your own medical expenses after an accident regardless of who caused it. This no-fault system is a major reason Florida’s insurance rates run higher than the national average — PIP claims and related fraud have historically driven up costs statewide.
How much does a DUI increase car insurance in Florida?
A DUI conviction typically raises full coverage premiums in Florida by around 32-33%, which can add $65 a month or more depending on your carrier and driving history. The increase usually stays in effect for several years, though many insurers reduce the surcharge over time if no further violations occur.
Does credit score affect car insurance rates in Florida?
Yes. Florida permits insurers to use credit-based insurance scores when setting premiums. Drivers with poor credit can pay 13% to 33% more for full coverage than drivers with good credit, so improving your credit score before your next renewal can meaningfully lower your rate.
What is the minimum car insurance required in Florida in 2026?
Florida requires two types of mandatory coverage: $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Florida does not require Bodily Injury Liability for most drivers, but it is strongly recommended. With over 20% of Florida drivers uninsured, adding Uninsured Motorist coverage is also highly advisable. Driving without insurance in Florida can result in license suspension and fines.
Why is car insurance so expensive in Florida?
Florida has some of the highest car insurance rates in the US due to rampant PIP insurance fraud, frequent hurricane and flood damage, one of the highest rates of uninsured drivers in the country at approximately 20-26%, heavy litigation activity, high population density in cities like Miami and Orlando, and the no-fault insurance system which increases claim frequency. These factors push Florida rates 30-50% above the national average.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
