Average Car Insurance Cost in Florida
Numbers refreshed
For Florida, NAIC averages break down by coverage and show where the state ranks nationally.
- $2,175.That's the yearly average for full coverage.
- 1st of 51.The state has the highest costs (1st = highest).
Average Florida costs for each type of coverage
In Florida, full coverage costs $2,175 per year on average. The US average is $1,613 a year. Florida's figure is 35% higher.
Per insured car, average spending rose 7.4%, from $1,878 in 2023 to $2,018 in 2024.
| Coverage in Florida | Per year | Per month |
|---|---|---|
| Liability | $1,391 | $116 |
| Collision | $506 | $42 |
| Comprehensive | $278 | $23 |
| Full coverage (all three) | $2,175 | $181 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Florida compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Florida | 1st | $2,175 | $181 |
| Louisiana | 2nd | $2,151 | $179 |
| New York | 3rd | $2,150 | $179 |
| District of Columbia | 4th | $1,986 | $166 |
| Georgia | 5th | $1,973 | $164 |
| Texas | 6th | $1,917 | $160 |
| New Jersey | 7th | $1,878 | $157 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number for you
Averages blend all ages and records. The Florida calculator adjusts for your age and record.
First written