Full Coverage Car Insurance in Florida
Numbers refreshed
Florida state averages set the price for liability, collision and protection against non-collision loss.
- $181.a month on average for full coverage.
- 1st of 51.the most expensive state (1st = highest).
The cost of full coverage in Florida
Full coverage combines liability with collision and protection against non-collision loss. In Florida, those two parts cost $783 a year beyond the $1,391 average for liability.
| 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).
When a full policy no longer pays off
If you still owe money on the car, lenders and lease companies require full coverage.
After you pay off the car, weigh its value against the extra cover, which runs $783 a year. When a single bad year of premiums would cover most of the car, liability only usually makes more sense.
What each car costs for full coverage in Florida
These figures come from IIHS-HLDI loss results and assume an adult with a clean record. Of the 40 models we price, the cheapest and the dearest:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $1,349 | $112 |
| Honda CR-V | $1,417 | $118 |
| Subaru Outback | $1,498 | $125 |
| Chevrolet Corvette | $1,568 | $131 |
| Kia Forte | $2,909 | $242 |
| Chevrolet Camaro | $3,280 | $273 |
| Dodge Challenger | $3,975 | $331 |
| Dodge Charger | $4,004 | $334 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
First written