- The average cost of car insurance in Florida is $2,754 per year, or around $230 per month, for a full-coverage policy.
- Models like the Nissan Kicks, Subaru Crosstrek, Chevrolet Trailblazer, and Kia Soul have some of the cheaper car insurance rates in Florida.
- Average annual rates vary considerably depending on where you live in Florida, from $2,454 in Jacksonville to $3,096 in Miami.
What is average car insurance cost in Florida?
Average car insurance rates in Florida cost $2,754 per year, or about $230 per month, which is 21.4% more than the national average rate of $2,221.
Car insurance cost for some of the more popular cars in Florida include the Toyota Corolla at an average of $2,684 per year, the Honda Accord at $2,662, the Toyota Camry at $2,962, and the Honda Civic at $2,440 per year.
Average car insurance rates for popular compact SUVs in Florida include the Toyota RAV4 at $2,542 per year, the Honda CR-V at $2,350 per year, and the Chevy Equinox at an average rate of $2,538 per year.
The chart below shows average car insurance quotes in Florida for 2024 model year vehicles and different driver ages and policy deductible amounts.
In Florida, the average cost of car insurance ranges from $1,936 per year for a 60-year-old driver with a high deductible policy to $6,448 per year for a 20-year-old driver with low deductibles, which cost more. For those same drivers, the average cost of car insurance per month in Florida ranges from $161 to $537.
Car insurance rates for teen drivers age 16 to 19 will be the highest of any age group. Average cost ranges from $6,560 per year for a 19-year-old female driver up to $9,813 per year for a 16-year-old male driver.
Which cars are cheapest to insure in Florida?
The top three cheapest vehicles to insure in Florida are the Subaru Crosstrek at an average cost of $2,034 per year, the Chevrolet Trailblazer at $2,072 per year, and the Kia Soul at $2,152 per year.
Other models that rank very well for car insurance cost in Florida include are the Nissan Kicks at $2,170, the Honda Passport at $2,194, and the Buick Envision at $2,208 per year.
The cheapest pickup to insure in Florida is the Chevrolet Colorado at an average cost of $2,428 per year. The cheapest luxury car to insure is the Acura Integra at an average cost of $2,454 per year, and the luxury SUV with the best average rates is the Acura RDX at an annual cost of $2,302.
The models shown in the table below are ranked by average annual and monthly cost for cheap car insurance in Florida.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $2,034 | $170 |
| 2 | Chevrolet Trailblazer | $2,072 | $173 |
| 3 | Kia Soul | $2,152 | $179 |
| 4 | Nissan Kicks | $2,170 | $181 |
| 5 | Honda Passport | $2,194 | $183 |
| 6 | Buick Envision | $2,208 | $184 |
| 7 | Toyota Corolla Cross | $2,222 | $185 |
| 8 | Hyundai Venue | $2,238 | $187 |
| 9 | Mazda CX-5 | $2,246 | $187 |
| 10 | Ford Bronco Sport | $2,258 | $188 |
| 11 | Volkswagen Tiguan | $2,280 | $190 |
| 12 | Acura RDX | $2,302 | $192 |
| 13 | Nissan Murano | $2,318 | $193 |
| 14 | Buick Encore | $2,342 | $195 |
| 15 | Subaru Outback | $2,346 | $196 |
| 16 | Honda CR-V | $2,350 | $196 |
| 17 | Buick Envista | $2,358 | $197 |
| 18 | Volkswagen Taos | $2,362 | $197 |
| 19 | Kia Niro | $2,376 | $198 |
| 20 | Toyota GR Corolla | $2,394 | $200 |
| 21 | Honda HR-V | $2,398 | $200 |
| 22 | Subaru Ascent | $2,398 | $200 |
| 23 | Nissan Leaf | $2,414 | $201 |
| 24 | Chevrolet Colorado | $2,428 | $202 |
| 25 | Lexus NX 250 | $2,438 | $203 |
| 26 | Honda Civic | $2,440 | $203 |
| 27 | Volkswagen Atlas | $2,442 | $204 |
| 28 | Subaru Forester | $2,450 | $204 |
| 29 | Acura Integra | $2,454 | $205 |
| 30 | Volkswagen Atlas Cross Sport | $2,454 | $205 |
| 31 | Kia Seltos | $2,462 | $205 |
| 32 | GMC Terrain | $2,470 | $206 |
| 33 | Nissan Rogue | $2,478 | $207 |
| 34 | Hyundai Kona | $2,480 | $207 |
| 35 | Mazda CX-30 | $2,486 | $207 |
| 36 | Cadillac XT4 | $2,490 | $208 |
| 37 | Volkswagen ID4 | $2,500 | $208 |
| 38 | Ford Explorer | $2,502 | $209 |
| 39 | Toyota Highlander | $2,508 | $209 |
| 40 | Toyota Venza | $2,514 | $210 |
| 41 | Ford Escape | $2,516 | $210 |
| 42 | Honda Odyssey | $2,520 | $210 |
| 43 | Nissan Sentra | $2,526 | $211 |
| 44 | Subaru Impreza | $2,534 | $211 |
| 45 | Chevrolet Equinox | $2,538 | $212 |
| 46 | Toyota RAV4 | $2,542 | $212 |
| 47 | Mazda MX-5 Miata | $2,552 | $213 |
| 48 | Mazda MX-30 | $2,560 | $213 |
| 49 | Hyundai Tucson | $2,562 | $214 |
| 50 | Chevrolet Traverse | $2,574 | $215 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Florida Zip Codes. Updated June 26, 2025
Cheapest car insurance by vehicle segment
The previous list of the cheapest vehicles to insure in Florida tends to pull in a lot of compact and mid-size cars and SUVs, which by nature are the most affordable segments for auto insurance.
The list below shows the cheapest vehicles to insure in Florida for each segment, regardless if they made the top 50 list above.
- Cheapest compact car insurance – Toyota GR Corolla at $2,394 per year or $200 per month
- Cheapest compact SUV insurance – Subaru Crosstrek at $2,034 per year or $170 per month
- Cheapest midsize car insurance – Kia K5 at $2,656 per year or $221 per month
- Cheapest midsize SUV insurance – Honda Passport at $2,194 per year or $183 per month
- Cheapest full-size car insurance – Chrysler 300 at $2,626 per year or $219 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $2,588 per year or $216 per month
- Cheapest midsize pickup insurance – Chevrolet Colorado at $2,428 per year or $202 per month
- Cheapest full-size pickup insurance – Nissan Titan at $2,576 per year or $215 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $2,806 per year or $234 per month
- Cheapest minivan insurance – Honda Odyssey at $2,520 per year or $210 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $2,552 per year or $213 per month
- Cheapest compact luxury car insurance – Acura Integra at $2,454 per year or $205 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $2,302 per year or $192 per month
- Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $2,836 per year or $236 per month
- Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $2,576 per year or $215 per month
- Cheapest full-size luxury car insurance – Audi A5 at $3,274 per year or $273 per month
- Cheapest full-size luxury SUV insurance – Infiniti QX80 at $3,092 per year or $258 per month
Average car insurance rates for popular vehicles in Florida
The chart below shows average car insurance rates for 25 of the most popular vehicles sold in the state of Florida. Some vehicles were featured earlier in the cheapest rates list, but other models like the Toyota Camry, Toyota Highlander, Chevy Silverado, and Ram 1500 pickup have more expensive rates and did not make the list for cheap car insurance in Florida.
Average insurance rates by Florida city
Average annual and monthly car insurance rates are listed below for some of the larger metro areas in Florida. Click any city to view detailed insurance rate information for that location.
- Jacksonville Car Insurance - $2,454 per year or $205 per month
- Miami Car Insurance - $3,096 per year or $258 per month
- Tampa Car Insurance - $3,030 per year or $253 per month
- St. Petersburg Car Insurance - $2,804 per year or $234 per month
- Orlando Car Insurance - $2,500 per year or $208 per month
- Hialeah Car Insurance - $3,178 per year or $265 per month
- Tallahassee Car Insurance - $2,320 per year or $193 per month