The Average Cost of Car Insurance in Florida for 2025

How Are Car Insurance Costs Trending?

Florida auto insurance rates are rising for several reasons.

• Extreme weather events: Florida is extremely vulnerable to tornadoes and hurricanes, according to the Insurance Information Institute. Both types of storms often involve hail, putting vehicles at risk for damage and increasing the number of comprehensive car insurance claims. On average, hail claims are 21.7% more expensive to repair than the average comprehensive claim, according to data from insurance solution provider CCC Intelligent Solutions.
• High rate of vehicle theft: Florida ranks third in states with the most motor vehicle thefts, according to 2023 data from the National Insurance Crime Bureau (NICB).
• More claims: Floridians are more likely than average to file both property damage and injury claims, and the median settlement amount for Florida injury claims is significantly higher than average, according to data from the Insurance Research Council (IRC).
• Uninsured motorists: Florida has a high percentage of uninsured drivers. Some 15.9% of Florida drivers don't have insurance, according to the IRC.
• Attorney involvement and fraud: Florida drivers are more apt than average to hire attorneys for car insurance claims, the IRC reports, which tends to increase settlement amounts. There is also a high rate of insurance fraud in the state, according to the IRC.

Due to the growing number of high-cost losses in Florida, several insurance companies have stopped selling auto insurance coverage in the state.

Nationwide, the cost of car insurance has increased in recent years due to higher costs for vehicles, parts and repairs; severe weather claims; and increasingly serious accidents.

Average Annual Auto Insurance Premiums, 2023-2025

If you believe you're overpaying for car insurance in Florida, compare car insurance quotes from other insurance companies to see if you can get the same coverage for less. Experian's free car insurance comparison tool is an easy way to get quotes from several top insurance carriers in one place.

Average Florida Car Insurance Rates by City

Location plays a role in the cost of your car insurance, and even within Florida, your specific location can have a major impact on your premiums. That's because different cities have different risks for drivers. Compared to rural areas, densely populated cities may have more crime, longer average commutes or heavier traffic, all of which can increase the likelihood of car insurance claims. Auto repairs and medical care for injuries can cost more in some locations than others, further increasing car insurance costs.

The table below shows how the average cost of car insurance in some of Florida's most populous cities varies depending on the location.

Source: Experian data as of January 2025
Note: Top cities are ranked by those with highest policy count

Average Florida Car Insurance Rates by Age & Gender

Another factor influencing the cost of car insurance is gender. In Florida, insurers can consider gender when setting car insurance premiums. Women typically pay less for car insurance than men because they are statistically less likely to have serious car accidents or DUIs, according to the Insurance Information Institute.

However, that's not always the case. In fact, women in Florida pay slightly more than men for auto insurance—an average of $2,538 annually or $211 per month compared to $2,486 annually or $207 per month for men.

Source: Experian data as of January 2025
Note: Costs above are a blended average of full and minimum coverage policies

The difference in car insurance costs for men and women is more noticeable when nationwide averages are considered. This is especially true for younger drivers: Nationwide, male drivers under 20 pay an average of $3,717 annually for car insurance, compared to $3,307 for female drivers of the same age.

As the chart below shows, car insurance premiums for men and women begin to even out around age 50. At age 70, however, average insurance rates for male drivers begin surpassing the average for female drivers.

Source: Experian data as of January 2025
Note: Costs above are a blended average of full and minimum coverage policies

How Your Driving Record Impacts Your Insurance Costs in Florida

A history of safe driving can lower your car insurance premiums by reducing the risk of accidents or traffic citations. Florida drivers with a clean driving history that shows no incidents or violations pay an average of $2,075 annually for car insurance. However, a single moving violation can mean a big bump in your premiums, with multiple violations or serious offenses such as DUIs having a progressively greater impact.

If your motor vehicle report reveals moving violations or accidents, even collisions that weren't your fault, your insurance company may consider you a high-risk driver and raise your car insurance rates to offset their risk. The chart below shows how the number and severity of infractions could affect the cost of car insurance in Florida. Incidents include things like traffic accidents or insurance claims; violations include moving violations, such as speeding tickets.

Source: Experian data as of January 2025
Note: Costs above are a blended average of full and minimum coverage policies

Cheapest Car Insurance in Florida

Factors such as your driving record, location and age have a big effect on how much you pay for car insurance, but these aren't the only elements that impact your premiums. Each insurance company uses its own methodology when determining rates. As a result, the price you're quoted may vary widely from one insurance company to another.

Shopping around and comparing quotes from several different insurance carriers can help you find the most affordable car insurance for your situation. The table below shows the cheapest full coverage auto insurance among the insurance carriers that sell the most policies in Florida.

Source: Experian data as of January 2025
Note: Costs above represent insurance quotes, not policy premiums

It's impossible to know exactly how each insurance company sets its rates. In general, though, factors such as the carrier's projected operating costs, estimated claims payouts, risk tolerance and profitability goals typically figure into the equation. A company with high overhead expenses might charge more than one with lower overhead, for example.

How to Save on Car Insurance in Florida

Buying car insurance in Florida can be expensive, but there are several things you can do to lower your car insurance premiums.

Increase Your Deductible

When you file a car insurance claim, you're generally responsible for paying a deductible before your insurance coverage kicks in. You usually have the option to choose a deductible between $250 and $2,000. Raising your deductible typically lowers your premiums.

However, before you raise your deductible, evaluate the state of your emergency fund and other financial resources to make sure you can afford to pay the higher amount if you file a claim. You can ask your insurance carrier to show you how different deductible amounts would impact your premiums.

Cancel Unnecessary Coverage

There are plenty of car insurance extras that are "nice to have" but not essential. Dropping add-on coverage such as rental car reimbursement, windshield replacement or roadside assistance coverage could lower your car insurance premiums. If you already have roadside assistance through an automotive club, for instance, you don't need to pay for the same coverage through your auto insurance policy.

You might also consider cancelling your collision and comprehensive coverage if your car loan is paid off. If your car is totaled, the collision and comprehensive payout is limited to the vehicle's value. Paying for this coverage may not be worthwhile if your car is only worth a few thousand dollars. However, you should only drop the insurance if you could afford to replace or repair your vehicle out of pocket if necessary.

Search Out Discounts

See if your current car insurance provider offers any discounts you aren't taking advantage of. Visit other providers' websites to see what discounts they offer. For example, you might save by bundling home and auto insurance, setting up automatic payments, paying your premium upfront or eliminating paper correspondence.

Some insurance companies offer discounts for getting insurance quotes online or signing documents digitally. A high school or college student who earns good grades or is away at school without a car could also qualify for a discount. Check to see if your employer or a membership organization you belong to gives discounts on car insurance.

Reduce Your Annual Mileage

The further you drive each year, the greater chance you have of being involved in an accident. Because low-mileage drivers are less risky, many insurance companies offer low rates if you drive fewer than 12,000 miles per year. Look for ways to drive less. Could you ride a bike, take public transportation or opt for remote work?

Some low-mileage car insurance discounts track your mileage through self-reported or third-party odometer readings or devices installed in your car. You can also explore pay-per-mile car insurance, which charges a monthly base rate plus a per-mile charge for each additional mile. You can also consider usage-based insurance, which uses an app to track both your mileage and your driving habits, such as braking excessively or speeding.

Drive Safely

Maintaining a clean driving record without citations or accidents can help reduce your auto insurance costs in Florida. It's worth seeing if you can earn discounts for taking a defensive driving or safe driving course approved by your insurance company.

Improve Your Credit

Insurance companies in Florida can use your credit-based insurance score when setting your premiums. Having a poor score could mean higher rates for auto insurance. Taking action to improve your consumer credit score could positively affect your credit-based insurance score, which could save you money on car insurance.

Compare Rates

Sticking with the status quo could cost you. Make it a practice to compare quotes from several insurance carriers at least once a year. You might uncover lower rates for the same amount of coverage. You can get car insurance quotes by visiting insurance company websites or by contacting insurance companies directly.

For a faster way to explore your options, try Experian's free car insurance comparison tool. It provides car insurance quotes from multiple top insurance companies in Florida, making it easy to see which provider offers the lowest premiums.