Average Cost of Car Insurance in Florida: What Drivers Pay Per Month, in Miami and Orlando and Across the State, and Why Florida Rates Run High

Florida drivers spent an average of $2,017.97 per insured vehicle on car insurance in 2024, about $168.16 a month, according to the NAIC's 2024 Auto Insurance Database Average Premium Supplement (opens in a new tab). For a policy that carries liability, collision and comprehensive together, the combined average premium was $2,174.55 a year, about $181.21 a month. Both are statewide averages, not quotes: your price depends on your coverages, limits, deductibles, vehicle, driving history and where the car is kept. The legal minimum underneath every Florida personal auto policy is $10,000 of personal injury protection (PIP) and $10,000 of property damage liability.

What the Florida averages measure

The NAIC publishes two different totals, and they answer different questions. The combined average premium adds the average liability, collision and comprehensive premiums, so it describes a policy that carries all three. Average expenditure divides the total written premium for those three coverages by the number of insured vehicles with liability, so it reflects what drivers actually spent, including the many who don't buy collision or comprehensive. That's why average expenditure comes out lower.

Florida's 2024 breakdown from the NAIC supplement (opens in a new tab) looks like this, with each annual figure divided by 12:

Florida had the highest average expenditure and the highest combined average premium of any state in the 2024 tables. The figures cover calendar-year 2024 written premiums for personal auto insurance, in the voluntary and residual markets combined.

Is the liability figure a minimum-coverage price?

Not exactly. The NAIC's liability category bundles bodily injury, property damage, uninsured and underinsured motorist, medical payments and no-fault or PIP data together, so the $1,391.15 average isn't the price of Florida's bare legal minimum. The combined figure doesn't describe one standard "full coverage" policy either, because it doesn't set any particular limits or deductibles.

To see what the minimum would cost you, ask for a quote with only the required coverages and compare it to a quote with the coverages you actually want, using the same limits and deductibles each time.

What Florida requires on every policy

A vehicle that must be registered in Florida needs $10,000 of PIP under Fla. Stat. § 627.736 (opens in a new tab) and $10,000 of property damage liability under Fla. Stat. § 324.022 (opens in a new tab). PIP pays 80% of reasonable medical expenses and a $5,000 death benefit within that structure, no matter who caused the crash. The Florida Department of Highway Safety and Motor Vehicles (opens in a new tab) lists the same $10,000 PIP and $10,000 property damage minimums.

Everything else is a choice or a lender's condition. The Florida Department of Financial Services (DFS) separately describes bodily injury liability, uninsured and underinsured motorist, medical payments, comprehensive, collision and rental reimbursement in its Automobile Insurance Toolkit (opens in a new tab), and it warns that "full coverage" can mean different things to different people. Our article on Florida car insurance requirements covers the legal rules, and Florida PIP insurance explains what PIP pays.

Why Florida rates run high

Several costs push Florida's numbers up. The NAIC lists the factors that drive prices from state to state: accident rates, traffic and population density, vehicle theft, auto repair costs, medical and legal costs, weather, driving locations, liability requirements and other auto laws, rate and form filing laws, and the types and amounts of coverage people buy, according to its 2024 supplement (opens in a new tab).

Florida adds pressures of its own. The Insurance Information Institute (opens in a new tab), summarizing Insurance Research Council research, points to frequent and costly injury claims, heavy medical use, attorney involvement, fraud and claim buildup, uninsured motorists and the litigation environment. Florida's no-fault system also plays a part, because PIP pays covered benefits through your own insurer regardless of fault.

Rates move with the market. On July 30, 2025, the Insurance Information Institute (opens in a new tab) reported that the Florida Office of Insurance Regulation (OIR) had announced that the state's top five auto insurance groups were cutting personal auto rates by a statewide average of 6.5%, after reforms addressing legal system abuse and assignment-of-benefits fraud. That was an average across those groups at that time, so your own renewal can still go up or down.

Why Miami, Orlando, Tampa and Jacksonville prices differ

Where the car is garaged changes the price. Driving location, accident rates, traffic density, theft, repair costs and population density can all make prices differ between communities and even neighborhoods, according to the NAIC (opens in a new tab).

Florida's official comparison tool works by county rather than by city. The OIR's CHOICES tool gives sample average rates in any Florida county for three predefined driver scenarios, according to DFS (opens in a new tab). Use it to compare Miami-Dade, Orange, Hillsborough and Duval counties side by side, then get quotes with the same coverage details and your actual garaging address. A CHOICES rate is a reference point, not a personal quote or a ranking of insurers.

What changes your quote

Your own quote starts from the information you give and gets checked afterward. When a policy is written, your complete driving record may not be available yet; once the insurer confirms surcharges or accidents, it may add premium as of the effective date, according to the DFS auto FAQ (opens in a new tab).

Who drives the car matters too. Leaving out a licensed household member or a regular driver can produce an inaccurate quote and can cause a claim to be denied, according to the DFS toolkit (opens in a new tab). The vehicle, how it's used, where it's kept, the coverages you pick, and your limits and deductibles all change the price as well, as the NAIC's factor list shows.

Florida lets insurers use credit reports and credit scores for personal auto underwriting and rating within limits set by Fla. Stat. § 626.9741 (opens in a new tab), which also lists factors in a credit report an insurer may not use, according to the DFS toolkit (opens in a new tab). Ask your agent which rating information the insurer used for your quote and how it affected the price.

New and young drivers

Adding a teen or a newly licensed driver usually changes a household's premium, but there isn't a single official Florida average for young drivers. What you can do is ask about discounts. DFS lists several that insurers may offer, according to its auto insurance overview (opens in a new tab) and toolkit (opens in a new tab):

• Good student, for students who can prove a B average.
• A driver's education class for younger drivers.
• Anti-lock brakes, air bags, anti-theft devices or vehicle-recovery systems.
• Lower annual mileage.
• Certain occupations and life events.

Eligibility depends on the insurer. Some discounts have to be self-reported, so DFS suggests checking with your insurer each year. Ask the agent to show the premium with and without each discount and what proof each one needs.

Paying monthly

A monthly payment plan doesn't change what the policy costs for its term; it changes how you pay it. The general installment fee and down payment depend on the insurer. A few Florida rules do apply, according to DFS guidance for agents (opens in a new tab) and Fla. Stat. § 627.7295 (opens in a new tab):

• An agent may charge the actual cost of a motor vehicle report for each licensed driver.
• An agent may charge a policy fee of up to $10 on a policy that covers only PIP and property damage liability.

If a payment is missed, the insurer must send a 10-day notice of cancellation for nonpayment, according to the DFS overview (opens in a new tab). An insurer also has 60 days to decide whether to extend coverage to a new applicant, and a nonrenewal requires at least 45 days' advance notice. A canceled policy can also lead to a suspended license and registration and reinstatement fees, which our article on driving without insurance in Florida covers.

Before you sign up for installments, ask for the annual premium, the down payment, each installment amount, every fee and the date coverage would end after a missed payment.

How to compare Florida quotes fairly

Give every agent or insurer the same drivers, vehicles, limits, deductibles, use and mileage, then compare line by line. The DFS toolkit (opens in a new tab) includes a shopping checklist built around these items:

• Bodily injury limits.
• Property damage limits.
• PIP.
• Uninsured or underinsured motorist coverage.
• Medical payments.
• Comprehensive and collision deductibles.
• Rental reimbursement.

Then review the issued policy to confirm it has the coverages you were quoted. If you're thinking about moving your policy, our article on how to switch car insurance covers timing so you don't create a gap.

What to have ready for a quote

An agent will usually ask for:

• Names and license information for every driver.
• Every licensed household member and regular operator.
• Each vehicle's identification number and details.
• How each car is used and where it's garaged.
• Your prior insurance information, and possibly a copy of the prior policy.
• Driving and claims history.
• The coverages, limits and deductibles you want.
• Lienholder information if the car is financed.

Ask which license and identification documents the insurer accepts for you and each household driver, especially if anyone holds an out-of-state or foreign license.

How to check an agent or file a complaint

Check an agent or agency in the Florida insurance license lookup (opens in a new tab), and check the insurer through the OIR's Active Company Search, which DFS links from its resources page (opens in a new tab). DFS publishes its auto insurance materials in English and Spanish on its consumer guides page (opens in a new tab).

If you have a problem with a rate, cancellation or claim, ask the insurer or agent for an explanation first and keep records. Then submit an insurance concern to DFS with the insurer and agent names, policy number, any claim number, the declarations page and supporting documents. Insurers and agencies have 14 days to respond to the department, and DFS aims to resolve the issue within 30 days, according to its help page (opens in a new tab).

Questions to ask an agent

• Which coverages are included, and what is the limit on each?
• What deductibles apply to comprehensive and collision?
• Is uninsured or underinsured motorist coverage included, and is it stacked or non-stacked?
• Which household members and regular drivers are listed?
• What vehicle use, mileage and garaging address did you use?
• Which discounts were applied, and what documents do they need?
• Is the quote subject to a driving record or claims check?
• What is the annual premium, the down payment and the total paid on each payment plan?
• What fees apply, and what happens after a missed payment?
• Does my lender require collision and comprehensive?

Riskado's directory lists Florida insurance agencies by city and by category, so you can compare quotes from more than one.

Frequently asked questions

How much is car insurance per month in Florida?

Florida drivers spent about $168.16 a month on average in 2024, based on the NAIC's $2,017.97 average expenditure. A policy with liability, collision and comprehensive averaged $2,174.55 a year, about $181.21 a month.

Is Miami always more expensive than Orlando?

Not automatically. Prices follow rating territories built on claims, traffic, theft and repair costs, so compare Miami-Dade and Orange counties in the OIR CHOICES tool and then get quotes with identical coverage.

Does Florida car insurance cost more than in other states?

Yes. Florida had the highest average expenditure and highest combined average premium of any state in the NAIC's 2024 tables. Georgia drivers can compare in our article on the average cost of car insurance in Georgia.

Can I lower my Florida premium without dropping required coverage?

Ask about discounts, deductibles and annual mileage. PIP and property damage liability stay on the policy at $10,000 each.

The short version

Florida's 2024 averages were about $168 a month spent per insured vehicle and about $181 a month for a policy with liability, collision and comprehensive. Use them to judge whether a quote is in the normal range, then compare quotes that match line for line, from the coverages and limits to the payment schedule.