Florida Car Insurance Cost for 2023

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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  • The average cost of car insurance in Florida is $2,196 per year, or around $183 per month, for a full-coverage policy.
  • Models like the Honda Passport, Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks have some of the cheaper car insurance rates in Florida.
  • Average annual rates vary considerably depending on where you live in Florida, from $1,892 in Jacksonville to $2,544 in Miami.

What is average car insurance cost in Florida?

Average car insurance rates in Florida cost $2,196 per year, or about $183 per month, which is 30.3% more than the national average rate of $1,685.

Car insurance cost for some of the more popular cars in Florida include the Toyota Corolla at an average of $2,062 per year, the Honda Accord at $2,218, the Toyota Camry at $2,090, and the Honda Civic at $2,152 per year.

Average car insurance rates for popular compact SUVs in Florida include the Toyota RAV4 at $2,036 per year, the Honda CR-V at $1,864 per year, and the Chevy Equinox at an average rate of $1,976 per year.

The chart below shows average car insurance quotes in Florida for 2023 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 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Florida zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in Florida
Average Car Insurance Cost in Florida
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,702$309
$500$4,370$364
$250$5,078$423
30$1,000$1,942$162
$500$2,316$193
$250$2,706$226
40$1,000$1,854$155
$500$2,196$183
$250$2,554$213
50$1,000$1,690$141
$500$2,000$167
$250$2,322$194
60$1,000$1,660$138
$500$1,964$164
$250$2,282$190

In Florida, the average cost of car insurance ranges from $1,660 per year for a 60-year-old driver with a high deductible policy to $5,078 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 $138 to $423.

Car insurance rates for teen drivers age 16 to 19 will be the highest of any age group. Average cost ranges from $5,536 per year for a 19-year-old female driver up to $7,868 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 Chevrolet Trailblazer at an average cost of $1,664 per year, the Subaru Crosstrek at $1,676 per year, and the Nissan Kicks at $1,684 per year.

Other models that rank very well for car insurance cost in Florida include are the Honda Passport at $1,708, the Nissan Rogue Sport at $1,716, and the Mazda CX-5 at $1,726 per year.

The cheapest pickup to insure in Florida is the Ford Maverick at an average cost of $1,822 per year. The cheapest luxury car to insure is the Acura Integra at an average cost of $1,974 per year, and the luxury SUV with the best average rates is the Acura RDX at an annual cost of $1,830.

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
1Chevrolet Trailblazer$1,664$139
2Subaru Crosstrek$1,676$140
3Nissan Kicks$1,684$140
4Honda Passport$1,708$142
5Nissan Rogue Sport$1,716$143
6Mazda CX-5$1,726$144
7Buick Encore$1,752$146
8Buick Envision$1,754$146
9Kia Seltos$1,782$149
10Subaru Ascent$1,786$149
11Hyundai Venue$1,792$149
12Subaru Impreza$1,818$152
13Ford Maverick$1,822$152
14Honda HR-V$1,826$152
15Acura RDX$1,830$153
16Chevrolet Colorado$1,830$153
17Hyundai Kona$1,844$154
18Subaru Forester$1,854$155
19Ford Edge$1,860$155
20Honda CR-V$1,864$155
21Mazda CX-30$1,868$156
22Ford Explorer$1,870$156
23Volkswagen Atlas$1,874$156
24Chevrolet Trax$1,886$157
25Subaru Outback$1,888$157
26Nissan Murano$1,890$158
27Nissan Frontier$1,896$158
28Volkswagen Tiguan$1,910$159
29Ford Bronco Sport$1,914$160
30Fiat 500X$1,948$162
31Ford Ranger$1,950$163
32GMC Terrain$1,952$163
33Kia Soul$1,956$163
34Mitsubishi Eclipse Cross$1,960$163
35Volkswagen Atlas Cross Sport$1,962$164
36Lexus RX 350$1,966$164
37Acura Integra$1,974$165
38Chevrolet Equinox$1,976$165
39Cadillac XT4$1,982$165
40Toyota Corolla Cross$1,984$165
41Volkswagen Taos$1,990$166
42GMC Canyon$1,996$166
43Toyota Venza$2,002$167
44Mazda CX-50$2,006$167
45Volkswagen Jetta$2,006$167
46Honda Odyssey$2,008$167
47Toyota Tacoma$2,008$167
48Hyundai Tucson$2,010$168
49Ford Escape$2,014$168
50Kia Sorento$2,016$168

    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.Data last updated on December 30, 2022
    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 insuranceSubaru Impreza at $1,818 per year or $152 per month
    • Cheapest compact SUV insuranceChevrolet Trailblazer at $1,664 per year or $139 per month
    • Cheapest midsize car insuranceSubaru Legacy at $2,024 per year or $169 per month
    • Cheapest midsize SUV insuranceHonda Passport at $1,708 per year or $142 per month
    • Cheapest full-size car insuranceChrysler 300 at $2,144 per year or $179 per month
    • Cheapest full-size SUV insuranceChevrolet Tahoe at $2,060 per year or $172 per month
    • Cheapest midsize pickup insuranceFord Maverick at $1,822 per year or $152 per month
    • Cheapest full-size pickup insuranceNissan Titan at $2,174 per year or $181 per month
    • Cheapest heavy duty pickup insuranceGMC Sierra 2500 HD at $2,248 per year or $187 per month
    • Cheapest minivan insuranceHonda Odyssey at $2,008 per year or $167 per month
    • Cheapest sports car insuranceMazda MX-5 Miata at $2,030 per year or $169 per month
    • Cheapest compact luxury car insuranceAcura Integra at $1,974 per year or $165 per month
    • Cheapest compact luxury SUV insuranceAcura RDX at $1,830 per year or $153 per month
    • Cheapest midsize luxury car insuranceCadillac CT5 at $2,364 per year or $197 per month
    • Cheapest midsize luxury SUV insuranceLexus RX 350 at $1,966 per year or $164 per month
    • Cheapest full-size luxury car insuranceAudi A5 at $2,464 per year or $205 per month
    • Cheapest full-size luxury SUV insuranceVolvo XC90 at $2,266 per year or $189 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 2023 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.Data last updated on December 30, 2022
    Florida Car Insurance Rates for Popular Vehicles
    Florida Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Mazda CX-5$1,726$144
    Honda CR-V$1,864$155
    Ford Explorer$1,870$156
    Ford Ranger$1,950$163
    Toyota Tacoma$2,008$167
    Hyundai Tucson$2,010$168
    Nissan Rogue$2,022$169
    Toyota RAV4$2,036$170
    Nissan Sentra$2,040$170
    Toyota 4Runner$2,058$172
    Toyota Corolla$2,062$172
    Toyota Camry$2,090$174
    Honda Pilot$2,112$176
    Honda Civic$2,152$179
    Kia Forte$2,154$180
    Toyota Highlander$2,192$183
    Ford F150$2,232$186
    Hyundai Santa Fe$2,254$188
    Ford Mustang$2,382$199
    Jeep Cherokee$2,386$199
    Ram Truck$2,398$200
    Hyundai Elantra$2,400$200
    Chevrolet Silverado$2,406$201
    Jeep Wrangler$2,432$203
    Ford Bronco$2,442$204

    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.