How Much Is Car Insurance in Florida?

According to NerdWallet’s analysis, the average cost of car insurance in Florida is per year for full coverage, or per month, for a 35-year-old driver with good credit and a clean driving history. Meanwhile, the average cost of a minimum coverage policy is per year, or about per month.

But Florida car insurance rates are different for everyone. That’s because factors like your age, the car you drive, your insurance company and whether you’ve had a recent violation all affect how much you pay for coverage.

Read on for NerdWallet’s breakdown of how much car insurance in Florida costs by:

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Average car insurance cost in Florida: The cheapest companies

Out of the Florida companies analyzed, emerged as the cheapest company overall for full coverage insurance. has an average annual rate of , or per month, for a 35-year-old driver with good credit and a clean driving record.

is the cheapest option for minimum coverage, with an average rate of per year, or about per month.

Below are the average annual full coverage rates for the cheapest auto insurance companies in Florida, sorted from lowest to highest rate.

If you want the cheapest car insurance in Florida, shop around and compare quotes from at least three insurers.

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Average car insurance cost in Florida by age

The cost of car insurance in Florida varies widely based on your age. Younger drivers tend to pay more for a policy than older, more experienced drivers.

Here are the median car insurance rates in Florida for both full and minimum coverage, by age.

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Average cost of car insurance in Florida by driver profile

Drivers in Florida with a clean driving history will pay the least for auto insurance. But if you have a traffic violation, like a speeding ticket or at-fault accident, you can expect rates to go up. Drivers’ credit history can also play a part in how much they stand to pay for coverage.

Below are the median costs of car insurance in Florida for multiple driver profiles.

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Average car insurance cost in Florida by zip code

Get an estimate for the cost of a full coverage policy based on your zip code below.

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How to get cheap car insurance in Florida

With rates the highest across the nation, finding affordable car insurance in Florida can be tricky.