Estimate your auto insurance rates in Florida for 2026
This free Florida car insurance calculator helps you estimate how much you'll pay for auto insurance in the Sunshine State. Florida has some of the highest car insurance rates in the entire country.
The average cost of car insurance in Florida is about $2,600 per year ($217/month) for full coverage, and $1,000 per year for minimum coverage. Rates are about 50% above the national average! Miami and Fort Lauderdale have the highest rates in the state.
Florida is a no-fault state and requires all drivers to carry:
This is often called 10/20/10 coverage. PIP covers your medical bills no matter who is at fault in an accident.
For a 30-year-old driver with a clean record in Miami:
Florida has the most expensive car insurance in the entire country, about 50% above the national average! There are several big reasons for this. First, Florida is a no-fault state, which means everyone must carry Personal Injury Protection (PIP) coverage. This adds to the cost of every policy.
Second, Florida has the highest rate of uninsured drivers in the country — about 20% of drivers don't have insurance! This means insured drivers pay more to cover the costs of accidents caused by uninsured motorists. Florida also has a lot of litigation: people sue after accidents more often than in other states, which increases insurance costs.
Third, Florida gets hit by hurricanes every year. Hurricanes cause massive damage to cars, homes, and businesses, which drives up insurance costs for everyone. Florida also has a lot of elderly drivers, who may be more likely to get into accidents.
Even in Florida, some cities are more affordable than others. If you live in one of these cities, you can save a lot of money:
On the other hand, the most expensive cities in Florida are:
Because Florida insurance is so expensive, it's extra important to shop around. Get quotes from at least 5 different companies before you buy. Rates can vary by thousands of dollars between companies, even for the exact same coverage.
You should also consider raising your deductible. A higher deductible will lower your monthly premiums. Just make sure you have enough savings to cover the deductible if you need to file a claim.
Bundling your home and auto insurance is another great way to save. Most companies offer a 10-15% discount for bundling. You should also ask about discounts: good student discounts, safe driver discounts, low-mileage discounts, and discounts for cars with anti-theft devices.
Florida is a no-fault state, which means your own insurance covers your medical bills after an accident, no matter who caused it. This is why Florida requires PIP (Personal Injury Protection) coverage. PIP covers 80% of your medical bills and 60% of your lost wages after an accident, up to your policy limit.
The minimum PIP coverage in Florida is $10,000. You can buy more if you want, but it will cost more. No-fault insurance is one of the main reasons Florida car insurance is so expensive.
Hurricanes are a big reason Florida car insurance is so expensive. When a hurricane hits, thousands of cars get damaged by wind, flood, and flying debris. Insurance companies have to pay out millions of dollars in claims, which increases rates for everyone.
If you live in Florida, you should make sure you have comprehensive coverage, which covers damage from hurricanes, floods, and theft. Minimum liability coverage won't cover any damage to your own car. Comprehensive coverage costs extra, but it's worth it if you live in a hurricane-prone area.
In Florida, insurance companies can use your credit score to calculate your rates, just like in Texas. People with good credit usually pay 20-30% less than people with bad credit. If you have bad credit, improving your credit score is one of the best ways to lower your insurance rates.
To improve your credit score, pay your bills on time, keep your credit card balances low, and don't open too many new accounts at once. It takes time, but it will save you a lot of money on car insurance.
Florida has the highest rate of uninsured drivers in the country — about 20%! That means 1 in 5 drivers on the road doesn't have insurance. If you get into an accident with an uninsured driver, your own insurance has to cover the costs. That's why uninsured motorist coverage is so important in Florida.
Even though Florida doesn't require uninsured motorist coverage, you should definitely buy it. It's not very expensive, and it can save you thousands of dollars if you get hit by an uninsured driver.
If you're a snowbird or seasonal resident who only lives in Florida part of the year, you might be able to save money on car insurance. Most insurance companies offer low-mileage discounts if you don't drive your car much.
If you only drive your car in Florida for 3-6 months out of the year, tell your insurance company. They might give you a discount for low mileage. Just make sure you tell them the truth about how much you drive, because if you get into an accident and they find out you lied, they won't pay your claim.
The average cost is about $2,600 per year for full coverage, and $1,000 per year for minimum coverage. Florida has some of the highest rates in the U.S.
Florida requires 10/20/10 liability coverage plus Personal Injury Protection (PIP). PIP is unique to no-fault states like Florida.
Florida has high rates due to hurricane risk, high litigation rates, and a large number of uninsured drivers. Miami has the highest rates in the state.
Yes, Florida is a no-fault state. This means your own insurance covers your medical bills after an accident, no matter who caused it.