The average driver in Florida pays about $1,994 a year for full coverage — about 39% more than the US average of $1,438. That ranks Florida #1 of 51 states (one of the most expensive). The car you drive then shifts it: a cheap-to-insure model can land near $957, a high-loss one well over $14,684.
Florida insurance cost by coverage
Average Florida premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in Florida
Florida is a no-fault / PIP state — instead of bodily-injury liability it requires $10,000 property damage plus Personal Injury Protection. PIP is required. These are legal minimums — most drivers carry more to fully protect themselves.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in Florida
Estimated annual premium in Florida, cheapest first — state average × each car's real HLDI loss index.
Know what a car really costs to insure and own.
- Your personalized rate — coverage, age & deductible
- Insurance in the 5-year cost-to-own
- Full coverage breakdown — cost per coverage
- Compare insurance across cars, side by side
- Export estimates to CSV / Excel
- Zero ads — clean, fast pages
- …and much more
Most expensive cars to insure in Florida
The priciest cars to insure in Florida — powerful, theft-prone and costly to repair.
Florida insurance cost by year
Florida premiums are up about +28% since 2019. Average Florida premium by year:
| Year | Florida avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in Florida's largest cities
Rates vary within Florida by city and ZIP — dense metros like Jacksonville run above the state average, while smaller towns run below. Estimated typical premium in Florida's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Jacksonville | $2,193/yr | +10% urban |
| Miami | $2,134/yr | +7% urban |
| Tampa | $2,094/yr | +5% urban |
| Orlando | $2,074/yr | +4% urban |
| St. Petersburg | $2,034/yr | +2% urban |
| Hialeah | $2,014/yr | ≈ state avg |
| Fort Lauderdale | $1,994/yr | ≈ state avg |
| Tallahassee | $1,994/yr | ≈ state avg |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.