Florida Car Insurance Cost for 2021

How much does car insurance cost in Florida? We break down the average cost of car insurance by vehicle segment and also show the top vehicle choices for cheap Florida car insurance.

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What is average car insurance cost in Florida?

Average car insurance rates in Florida cost $2,046 per year, or about $171 per month, which is 34.3% more than the national average rate of $1,523.

Car insurance cost for some of the more popular cars in Florida include the Toyota Corolla at an average of $1,774 per year, the Honda Accord at $1,976, the Toyota Camry at $2,046, and the Honda Civic at $1,920 per year.

Average car insurance rates for popular compact SUVs in Florida include the Toyota RAV4 at $1,970 per year, the Honda CR-V at $1,542 per year, and the Chevy Equinox at an average rate of $1,850 per year.

The chart below shows average car insurance quotes in Florida for 2021 model year vehicles and different driver ages and policy deductible amounts.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Florida car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Florida zip codes.
Average Car Insurance Cost in Florida
Average Car Insurance Cost in Florida
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,450$288
$500$4,068$339
$250$4,720$393
30$1,000$1,810$151
$500$2,156$180
$250$2,516$210
40$1,000$1,730$144
$500$2,046$171
$250$2,376$198
50$1,000$1,578$132
$500$1,864$155
$250$2,162$180
60$1,000$1,548$129
$500$1,830$153
$250$2,122$177

In Florida, the average cost of car insurance ranges from $1,548 per year for a 60-year-old driver with a high deductible policy to $4,720 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 $129 to $393.

Car insurance rates for teen drivers age 16 to 19 will be the highest of any age group. Average cost ranges from $5,152 per year for a 19-year-old female driver up to $7,338 per year for a 16-year-old male driver.

Which cars are cheapest to insure in Florida?

The five cheapest vehicles to insure in Florida are four compact SUVs and one utility van. The Subaru Forester ranks the cheapest, followed by the Honda CR-V, the Ram Promaster City van, the Mazda CX-3, and the Toyota C-HR.

Other models that rank very well for car insurance cost in Florida include the Kia Sportage, Ford Edge, and Volkswagen Golf. The cheapest pickup to insure in Florida is the Toyota Tacoma coming ranked #18 at an average cost of $1,726 per year.

The models shown in the table below are ranked by average annual and monthly cost for cheap car insurance in Florida.

Top 50 Cheapest Vehicles to Insure in Florida
Rank Make/Model Annual Cost Monthly Cost
1Subaru Forester$1,522$127
2Honda CR-V$1,542$129
3Ram Promaster City$1,600$133
4Mazda CX-3$1,610$134
5Toyota C-HR$1,620$135
6Kia Sportage$1,622$135
7Ford Edge$1,628$136
8Volkswagen Golf$1,632$136
9Mazda CX-5$1,650$138
10Subaru Crosstrek$1,668$139
11Chevrolet Spark$1,688$141
12Volvo XC40$1,688$141
13Hyundai Venue$1,702$142
14Volkswagen Atlas$1,712$143
15Hyundai Kona$1,720$143
16Subaru Impreza$1,720$143
17Kia Soul$1,722$144
18Toyota Tacoma$1,726$144
19Kia Telluride$1,728$144
20Chevrolet Blazer$1,732$144
21Jeep Compass$1,736$145
22Kia Sedona$1,736$145
23Subaru Outback$1,736$145
24Chevrolet Colorado$1,740$145
25Kia Rio5$1,740$145
26Mazda CX-30$1,740$145
27Nissan Kicks$1,742$145
28Honda Passport$1,744$145
29Ford Escape$1,746$146
30Mitsubishi Eclipse Cross$1,746$146
31Subaru Ascent$1,746$146
32Hyundai Tucson$1,750$146
33Nissan Frontier$1,762$147
34Volkswagen Tiguan$1,764$147
35Acura RDX$1,766$147
36Honda Pilot$1,770$148
37Toyota Corolla$1,774$148
38Ford Ecosport$1,778$148
39Buick Envision$1,786$149
40Kia Seltos$1,796$150
41Nissan Rogue Sport$1,804$150
42Chevrolet Trax$1,816$151
43Chevrolet Trailblazer$1,820$152
44Cadillac XT4$1,824$152
45Buick Encore$1,834$153
46Chevrolet Express$1,836$153
47Nissan Rogue$1,842$154
48Jeep Renegade$1,846$154
49Chevrolet Equinox$1,850$154
50Nissan Murano$1,850$154

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Florida.
    Top 50 Cheapest Vehicles to Insure in Florida

    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 insuranceVolkswagen Golf at $1,632 per year or $136 per month
    • Cheapest compact SUV insuranceSubaru Forester at $1,522 per year or $127 per month
    • Cheapest midsize car insuranceMazda 6 at $1,900 per year or $158 per month
    • Cheapest midsize SUV insuranceFord Edge at $1,628 per year or $136 per month
    • Cheapest full-size car insuranceKia Cadenza at $2,078 per year or $173 per month
    • Cheapest full-size SUV insuranceToyota Sequoia at $2,022 per year or $169 per month
    • Cheapest midsize pickup insuranceToyota Tacoma at $1,726 per year or $144 per month
    • Cheapest full-size pickup insuranceFord F150 at $1,952 per year or $163 per month
    • Cheapest heavy duty pickup insuranceFord F350 Super Duty at $2,208 per year or $184 per month
    • Cheapest minivan insuranceKia Sedona at $1,736 per year or $145 per month
    • Cheapest sports car insuranceMazda Miata at $1,876 per year or $156 per month
    • Cheapest compact luxury car insuranceMercedes-Benz A220 at $2,006 per year or $167 per month
    • Cheapest compact luxury SUV insuranceVolvo XC40 at $1,688 per year or $141 per month
    • Cheapest midsize luxury car insuranceAcura ILX at $1,910 per year or $159 per month
    • Cheapest midsize luxury SUV insuranceVolvo V60 at $1,934 per year or $161 per month
    • Cheapest full-size luxury car insuranceVolvo S90 at $2,232 per year or $186 per month
    • Cheapest full-size luxury SUV insuranceVolvo XC90 at $1,968 per year or $164 per month

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Florida car insurance cost is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Florida Zip Codes.
    Florida Car Insurance Rates for Popular Vehicles
    Florida Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Honda CR-V$1,542$129
    Mazda CX-5$1,650$138
    Toyota Tacoma$1,726$144
    Hyundai Tucson$1,750$146
    Honda Pilot$1,770$148
    Toyota Corolla$1,774$148
    Nissan Rogue$1,842$154
    Ford Ranger$1,898$158
    Honda Civic$1,920$160
    Toyota 4Runner$1,952$163
    Ford F150$1,952$163
    Toyota RAV4$1,970$164
    Kia Forte$2,002$167
    Nissan Sentra$2,026$169
    Ford Explorer$2,026$169
    Toyota Highlander$2,044$170
    Toyota Camry$2,046$171
    Jeep Wrangler$2,112$176
    Ford Bronco$2,118$177
    Hyundai Santa Fe$2,132$178
    Chevrolet Silverado$2,134$178
    Ram Truck$2,226$186
    Ford Mustang$2,292$191
    Hyundai Elantra$2,306$192
    Jeep Cherokee$2,306$192

    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.