Find Cheaper Florida Car Insurance Rates in 2024
Enter your Florida zip code below to view companies that have cheap auto insurance rates.
Projected insurance rates in Florida for 2024 are $1,758 annually for full coverage. Comprehensive insurance, collision, and liability coverage cost around $390, $714, and $454, respectively. Hialeah and Miami Gardens have more expensive average rates, and the three companies who insure the most vehicles in Florida are Geico, State Farm, and Progressive.
Average rate for full coverage: $1,758
Premium estimates for type of coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Cost of Auto Insurance in Florida
For the normal driver, Florida insurance rates go from the low end price of $538 for just liability coverage to the much higher price of $3,794 for a driver who requires high-risk insurance.
These price differences show why everyone should compare rates for a specific zip code, rather than using rates averaged for all U.S. states.
Use the form below to get accurate rates for your location.
Enter your Florida zip code below to view companies that have cheap auto insurance rates.
Recommended Companies for Cheap Florida Insurance
Chart shows Florida car insurance prices for different risks and coverage choices. The cheapest price with discounts is $1,010. Drivers choosing higher $1,000 deductibles will pay $1,508. The average price for a driver age 40 with no violations using $500 deductibles is $1,758. Selecting more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $2,248. If you have multiple accidents and violations you could be charged around $3,794. The rate for full coverage for a 16-year-old driver is $6,464.
Insurance prices in Florida also range considerably based on your vehicle choice, how you drive, and deductibles and policy limits.
Opting for high physical damage deductibles could save up to $740 a year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $408 more each year. View Rates by Deductible or Liability Limit
The make and model of vehicle you drive has a significant impact on the price you pay for auto insurance coverage in Florida. Choosing to drive a less expensive and safer vehicle will be cheaper to insure primarily due to lower cost for replacement parts and lower severity of accident injuries. This table shows auto insurance estimates for some of the more popular vehicles insured in Florida.
| Make and Model | Premium | % to Avg |
|---|---|---|
| Chevrolet Silverado | $1,858 | 5.4% |
| Dodge Ram | $1,910 | 8% |
| Ford Escape | $1,462 | -20.2% |
| Ford Focus | $1,704 | -3.2% |
| Ford Fusion | $1,866 | 5.8% |
| Ford F-150 | $1,654 | -6.3% |
| GMC Acadia | $1,620 | -8.5% |
| GMC Sierra | $1,826 | 3.7% |
| Honda Accord | $1,642 | -7.1% |
| Honda Civic | $1,922 | 8.5% |
| Honda CR-V | $1,422 | -23.6% |
| Honda Pilot | $1,670 | -5.3% |
| Hyundai Sonata | $1,784 | 1.5% |
| Kia Optima | $1,818 | 3.3% |
| Nissan Altima | $1,810 | 2.9% |
| Nissan Rogue | $1,766 | 0.5% |
| Toyota Camry | $1,792 | 1.9% |
| Toyota Corolla | $1,754 | -0.2% |
| Toyota Prius | $1,630 | -7.9% |
| Toyota RAV4 | $1,660 | -5.9% |
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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The company you choose has an impact on price. In each state, every insurer has their own rate formula, and prices have large differences based on indivdual risk characteristics. In Florida, car insurance prices range from $967 with USAA to as high as $4,128 with Infinity. Companies like Amica, Electric, and Progressive fall in the middle.
Those are not necessarily the prices you would have to pay, as your Florida zip code, your motor vehicle report, and the vehicle you are insuring have to be considered.| Rank | Company | Market Share | Average Rate |
|---|---|---|---|
| 1 | Geico | 21.24% | $2,129 |
| 2 | State Farm | 16.67% | $2,089 |
| 3 | Progressive | 14.09% | $1,811 |
| 4 | Allstate | 11.52% | $2,364 |
| 5 | USAA | 6.58% | $967 |
| 6 | Liberty Mutual | 3.25% | $3,070 |
| 7 | Farmers Insurance | 2.86% | N/A |
| 8 | Infinity | 2.82% | $4,128 |
| 9 | Travelers | 2.13% | $1,907 |
| 10 | Windhaven Insurance | 1.70% | $2,601 |
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $6,400 a year. View Rates by Age
The city you live in makes a big difference in auto insurance rates. Rural areas could see prices as low as $1,400 a year, while Hialeah and Miami Gardens may have prices as high as $3,800. Even different areas with close proximity in the same city can have a wide range of rates.
These price discrepancies demonstrate the significance of getting rates based on where you live in Florida.
If you have a few points on your driving record or you caused an accident, you could be paying at least $2,100 to $2,800 additional every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 134% more than the average rate. View High Risk Driver Rates
Because prices have so much variability, the only way to know your exact price is to regularly compare prices and see how they stack up. Every company utilizes a different rate formula, and rates will be varied.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,464 |
| 20 | $4,054 |
| 30 | $1,840 |
| 40 | $1,758 |
| 50 | $1,602 |
| 60 | $1,572 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,248 |
| $250 | $2,020 |
| $500 | $1,758 |
| $1,000 | $1,508 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,758 |
| 50/100 | $1,849 |
| 100/300 | $1,962 |
| 250/500 | $2,257 |
| 100 CSL | $1,894 |
| 300 CSL | $2,144 |
| 500 CSL | $2,326 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,232 |
| 20 | $6,442 |
| 30 | $3,886 |
| 40 | $3,794 |
| 50 | $3,622 |
| 60 | $3,584 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $93 |
| Multi-vehicle | $90 |
| Homeowner | $25 |
| 5-yr Accident Free | $132 |
| 5-yr Claim Free | $113 |
| Paid in Full/EFT | $82 |
| Advance Quote | $88 |
| Online Quote | $125 |
| Total Discounts | $748 |
Discounts are estimated and may not be available from every company or in every state.
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