Florida is second only to Louisiana in terms of car insurance costs. NerdWallet analysis shows that full coverage car insurance costs in Florida are $2,781 per annum, or $232 per month for a 35 year-old driver with clean driving records and good credit. The average cost for a minimum coverage policy, which costs about $91 each month, is $1,086.

Florida car insurance prices can vary based on factors such as age, insurance company and recent violations.

Continue reading for NerdWallet’s analysis of Florida car insurance prices.

We found the average cost for car insurance in Florida

NerdWallet’s editorial staff compared rates from six Florida car insurance companies to determine average rates for different age groups, driving records, credit histories, and company. We used a 2019 Toyota Camry L to analyze all driver profiles. The average cost of insurance by company, driving record, credit, and age was chosen for a driver who is 35 years old.

We looked at rates that meet the minimum Florida requirements for minimum coverage. We used the following coverage limits to ensure full coverage:

  • $100 bodily injury liability per individual.

  • $300,000.00 bodily injury liability per accident.

  • $50,000 property loss liability per accident.

  • $100,000 coverage for uninsured motorists per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage, with a $1,000 deductible.

  • Comprehensive coverage with $1,000 deductible.

NerdWallet is trustworthy: NerdWallet’s editors and writers follow strict guidelines to ensure accuracy and fairness in their writing and data analyses. Our data analysts use rigorous methods to eliminate outliers from pricing data. They also ensure that all rates are accurate and include rates for every location in Florida. We only change one variable per comparison when comparing rates for different coverage amounts, backgrounds, and ages. This allows you to easily see how each factor impacts pricing.

Florida average car insurance costs by company

State Farm was the most affordable company for full coverage out of all six Florida companies. For a driver aged 35 with clean driving records and good credit, the average annual rate is $1,973, which works out to $164 per month. It also had the lowest average annual full coverage rate of any company at $2,000 per annum.

Geico, which offers minimum coverage at a very affordable rate, is available for $60 per month.

The table below shows the average cost of all companies, sorted by average full coverage cost.

Average full-coverage rate per annum

Average minimum coverage per year

State Farm



Florida’s average car insurance price by age

The driver’s age plays a major role in the cost of Florida car insurance. The most expensive car insurance policies are usually for drivers who are younger than the average driver.

Our analysis shows that the cost of Florida car insurance drops by more than 40% between 20 and 30. However, rates tend to stay relatively stable after age 30, with only slight decreases in price as you get older.

The average cost of Florida car insurance by age for full and minimal coverage is shown below

Average full coverage

Average minimum coverage rate

Florida’s average car insurance price based on driving records

The most important factor in determining the price of car insurance is driving history. Our analysis shows that a Florida driver with a clean driving record pays nearly $600 less for full coverage car insurance than someone who has been cited for speeding. This difference is even more evident when you compare the average rates for drivers who have been involved in a DUI or other serious accident.

These are the average Florida car insurance prices for full and minimal coverage, based on driving records.

Driving history

Average full-coverage rate per annum

Average minimum coverage per year

Good driver

One speeding ticket

One recent accident

Florida’s average car insurance price based on credit history

To determine the price of insurance in Florida, insurers use a credit-based score. On average, drivers with excellent credit and good credit will pay less for car insurance than those with bad credit. We found that drivers with bad credit pay 62% less for full-coverage car insurance than drivers with good credit.

See the table below to learn how Florida car insurance prices differ depending on credit history.

Credit history

Average full coverage

Average minimum coverage rate