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 $2,226 per year, or around $186 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 $1,922 in Jacksonville to $2,574 in Miami.

What is average car insurance cost in Florida?

Average car insurance rates in Florida cost $2,226 per year, or about $186 per month, which is 25.2% more than the national average rate of $1,728.

Car insurance cost for some of the more popular cars in Florida include the Toyota Corolla at an average of $2,090 per year, the Honda Accord at $2,252, the Toyota Camry at $2,116, and the Honda Civic at $2,182 per year.

Average car insurance rates for popular compact SUVs in Florida include the Toyota RAV4 at $2,064 per year, the Honda CR-V at $1,890 per year, and the Chevy Equinox at an average rate of $2,004 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 August 11, 2023
Average Car Insurance Cost in Florida
Average Car Insurance Cost in Florida
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,752$313
$500$4,430$369
$250$5,146$429
30$1,000$1,968$164
$500$2,348$196
$250$2,742$229
40$1,000$1,880$157
$500$2,226$186
$250$2,590$216
50$1,000$1,714$143
$500$2,028$169
$250$2,356$196
60$1,000$1,682$140
$500$1,990$166
$250$2,312$193

In Florida, the average cost of car insurance ranges from $1,682 per year for a 60-year-old driver with a high deductible policy to $5,146 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 $140 to $429.

Car insurance rates for teen drivers age 16 to 19 will be the highest of any age group. Average cost ranges from $5,610 per year for a 19-year-old female driver up to $7,978 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 $1,686 per year, the Subaru Crosstrek at $1,700 per year, and the Nissan Kicks at $1,708 per year.

Other models that rank very well for car insurance cost in Florida include are the Honda Passport at $1,730, the Nissan Rogue Sport at $1,738, and the Mazda CX-5 at $1,750 per year.

The cheapest pickup to insure in Florida is the Ford Maverick at an average cost of $1,848 per year. The cheapest luxury car to insure is the Acura Integra at an average cost of $2,002 per year, and the luxury SUV with the best average rates is the Acura RDX at an annual cost of $1,858.

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$1,686$141
2Subaru Crosstrek$1,700$142
3Nissan Kicks$1,708$142
4Honda Passport$1,730$144
5Nissan Rogue Sport$1,738$145
6Mazda CX-5$1,750$146
7Buick Encore$1,776$148
8Buick Envision$1,780$148
9Kia Seltos$1,806$151
10Subaru Ascent$1,810$151
11Hyundai Venue$1,816$151
12Subaru Impreza$1,842$154
13Ford Maverick$1,848$154
14Honda HR-V$1,850$154
15Chevrolet Colorado$1,854$155
16Acura RDX$1,858$155
17Hyundai Kona$1,868$156
18Subaru Forester$1,880$157
19Ford Edge$1,886$157
20Honda CR-V$1,890$158
21Mazda CX-30$1,894$158
22Ford Explorer$1,898$158
23Volkswagen Atlas$1,900$158
24Chevrolet Trax$1,912$159
25Nissan Murano$1,914$160
26Subaru Outback$1,916$160
27Nissan Frontier$1,920$160
28Volkswagen Tiguan$1,936$161
29Ford Bronco Sport$1,942$162
30Fiat 500X$1,974$165
31Ford Ranger$1,976$165
32GMC Terrain$1,980$165
33Kia Soul$1,980$165
34Mitsubishi Eclipse Cross$1,988$166
35Volkswagen Atlas Cross Sport$1,990$166
36Lexus RX 350$1,994$166
37Acura Integra$2,002$167
38Chevrolet Equinox$2,004$167
39Cadillac XT4$2,010$168
40Toyota Corolla Cross$2,010$168
41Volkswagen Taos$2,016$168
42GMC Canyon$2,020$168
43Toyota Venza$2,030$169
44Volkswagen Jetta$2,032$169
45Mazda CX-50$2,034$170
46Toyota Tacoma$2,034$170
47Honda Odyssey$2,036$170
48Hyundai Tucson$2,036$170
49Ford Escape$2,040$170
50Kia Sorento$2,044$170

    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 August 12, 2023
    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 $1,842 per year or $154 per month
    • Cheapest compact SUV insuranceChevrolet Trailblazer at $1,686 per year or $141 per month
    • Cheapest midsize car insuranceSubaru Legacy at $2,052 per year or $171 per month
    • Cheapest midsize SUV insuranceHonda Passport at $1,730 per year or $144 per month
    • Cheapest full-size car insuranceChrysler 300 at $2,174 per year or $181 per month
    • Cheapest full-size SUV insuranceChevrolet Tahoe at $2,088 per year or $174 per month
    • Cheapest midsize pickup insuranceFord Maverick at $1,848 per year or $154 per month
    • Cheapest full-size pickup insuranceNissan Titan at $2,202 per year or $184 per month
    • Cheapest heavy duty pickup insuranceGMC Sierra 2500 HD at $2,280 per year or $190 per month
    • Cheapest minivan insuranceHonda Odyssey at $2,036 per year or $170 per month
    • Cheapest sports car insuranceMazda MX-5 Miata at $2,058 per year or $172 per month
    • Cheapest compact luxury car insuranceAcura Integra at $2,002 per year or $167 per month
    • Cheapest compact luxury SUV insuranceAcura RDX at $1,858 per year or $155 per month
    • Cheapest midsize luxury car insuranceCadillac CT5 at $2,394 per year or $200 per month
    • Cheapest midsize luxury SUV insuranceLexus RX 350 at $1,994 per year or $166 per month
    • Cheapest full-size luxury car insuranceAudi A5 at $2,498 per year or $208 per month
    • Cheapest full-size luxury SUV insuranceVolvo XC90 at $2,298 per year or $192 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 August 12, 2023
    Florida Car Insurance Rates for Popular Vehicles
    Florida Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Mazda CX-5$1,750$146
    Honda CR-V$1,890$158
    Ford Explorer$1,898$158
    Ford Ranger$1,976$165
    Toyota Tacoma$2,034$170
    Hyundai Tucson$2,036$170
    Nissan Rogue$2,048$171
    Nissan Sentra$2,064$172
    Toyota RAV4$2,064$172
    Toyota 4Runner$2,088$174
    Toyota Corolla$2,090$174
    Toyota Camry$2,116$176
    Honda Pilot$2,144$179
    Honda Civic$2,182$182
    Kia Forte$2,184$182
    Toyota Highlander$2,222$185
    Ford F150$2,266$189
    Hyundai Santa Fe$2,284$190
    Ford Mustang$2,416$201
    Jeep Cherokee$2,418$202
    Hyundai Elantra$2,432$203
    Ram Truck$2,434$203
    Chevrolet Silverado$2,438$203
    Jeep Wrangler$2,466$206
    Ford Bronco$2,476$206

    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.