Florida Car Insurance Cost for 2022

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 $2,228 per year, or around $186 per month, for a full-coverage policy.
  • Models like the Subaru Crosstrek, Mazda CX-5, Nissan Kicks, and Chevrolet Trailblazer have some of the cheaper car insurance rates in Florida.
  • Average annual rates vary considerably depending on where you live in Florida, from $2,160 in Jacksonville to $2,940 in Miami.

What is average car insurance cost in Florida?

Average car insurance rates in Florida cost $2,228 per year, or about $186 per month, which is 43.6% more than the national average rate of $1,551.

Car insurance cost for some of the more popular cars in Florida include the Toyota Corolla at an average of $2,188 per year, the Honda Accord at $2,322, the Toyota Camry at $2,188, and the Honda Civic at $2,206 per year.

Average car insurance rates for popular compact SUVs in Florida include the Toyota RAV4 at $2,102 per year, the Honda CR-V at $1,950 per year, and the Chevy Equinox at an average rate of $2,080 per year.

The chart below shows average car insurance quotes in Florida for 2022 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 2022 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 May 19, 2022
Average Car Insurance Cost in Florida
Average Car Insurance Cost in Florida
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,750$313
$500$4,418$368
$250$5,120$427
30$1,000$1,968$164
$500$2,344$195
$250$2,730$228
40$1,000$1,882$157
$500$2,228$186
$250$2,582$215
50$1,000$1,720$143
$500$2,028$169
$250$2,348$196
60$1,000$1,686$141
$500$1,990$166
$250$2,306$192

In Florida, the average cost of car insurance ranges from $1,686 per year for a 60-year-old driver with a high deductible policy to $5,120 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 $141 to $427.

Car insurance rates for teen drivers age 16 to 19 will be the highest of any age group. Average cost ranges from $5,594 per year for a 19-year-old female driver up to $7,972 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 Mazda CX-5 at an average cost of $1,696 per year, the Nissan Kicks at $1,736 per year, and the Chevrolet Trailblazer at $1,748 per year.

Other models that rank very well for car insurance cost in Florida include are the Subaru Crosstrek at $1,790, the Honda Passport at $1,790, and the Chevrolet Colorado at $1,832 per year.

The cheapest pickup to insure in Florida is the Chevrolet Colorado at an average cost of $1,832 per year. The cheapest luxury car to insure is the Acura ILX at an average cost of $2,050 per year, and the luxury SUV with the best average rates is the Acura RDX at an annual cost of $1,910.

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
1Mazda CX-5$1,696$141
2Nissan Kicks$1,736$145
3Chevrolet Trailblazer$1,748$146
4Honda Passport$1,790$149
5Subaru Crosstrek$1,790$149
6Chevrolet Colorado$1,832$153
7Toyota C-HR$1,840$153
8Buick Encore$1,842$154
9Nissan Rogue Sport$1,856$155
10Hyundai Venue$1,890$158
11Buick Envision$1,896$158
12Kia Seltos$1,898$158
13Ford Maverick$1,904$159
14Acura RDX$1,910$159
15Toyota Corolla Cross$1,910$159
16Subaru Ascent$1,914$160
17Hyundai Kona$1,928$161
18Subaru Forester$1,930$161
19Mazda MX-5 Miata$1,932$161
20Subaru Impreza$1,932$161
21Volkswagen Tiguan$1,932$161
22Chevrolet Spark$1,940$162
23Honda CR-V$1,950$163
24Cadillac XT4$1,958$163
25Mazda CX-30$1,970$164
26Ford Ranger$1,978$165
27Honda HR-V$2,000$167
28Ford Edge$2,006$167
29Ford Ecosport$2,016$168
30Chevrolet Trax$2,040$170
31Subaru Outback$2,042$170
32Acura ILX$2,050$171
33GMC Terrain$2,050$171
34Mitsubishi Eclipse Cross$2,054$171
35Nissan Murano$2,066$172
36Toyota Tacoma$2,068$172
37Hyundai Tucson$2,070$173
38Chevrolet Bolt$2,078$173
39Honda Odyssey$2,078$173
40Chevrolet Equinox$2,080$173
41Toyota Venza$2,082$174
42Volkswagen Taos$2,086$174
43Ford Explorer$2,092$174
44Fiat 500X$2,094$175
45Toyota RAV4$2,102$175
46Kia Soul$2,106$176
47Kia Sorento$2,108$176
48Nissan Frontier$2,120$177
49GMC Canyon$2,136$178
50Hyundai Palisade$2,136$178

    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 April 29, 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 $1,932 per year or $161 per month
    • Cheapest compact SUV insuranceMazda CX-5 at $1,696 per year or $141 per month
    • Cheapest midsize car insuranceSubaru Legacy at $2,156 per year or $180 per month
    • Cheapest midsize SUV insuranceHonda Passport at $1,790 per year or $149 per month
    • Cheapest full-size car insuranceToyota Avalon at $2,338 per year or $195 per month
    • Cheapest full-size SUV insuranceChevrolet Tahoe at $2,234 per year or $186 per month
    • Cheapest midsize pickup insuranceChevrolet Colorado at $1,832 per year or $153 per month
    • Cheapest full-size pickup insuranceFord F150 at $2,154 per year or $180 per month
    • Cheapest heavy duty pickup insuranceFord F350 Super Duty at $2,418 per year or $202 per month
    • Cheapest minivan insuranceHonda Odyssey at $2,078 per year or $173 per month
    • Cheapest sports car insuranceMazda MX-5 Miata at $1,932 per year or $161 per month
    • Cheapest compact luxury car insuranceMercedes-Benz A220 at $2,188 per year or $182 per month
    • Cheapest compact luxury SUV insuranceAcura RDX at $1,910 per year or $159 per month
    • Cheapest midsize luxury car insuranceAcura ILX at $2,050 per year or $171 per month
    • Cheapest midsize luxury SUV insuranceCadillac XT5 at $2,190 per year or $183 per month
    • Cheapest full-size luxury car insuranceAudi A5 at $2,614 per year or $218 per month
    • Cheapest full-size luxury SUV insuranceVolvo XC90 at $2,414 per year or $201 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 2022 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 April 29, 2022
    Florida Car Insurance Rates for Popular Vehicles
    Florida Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Mazda CX-5$1,696$141
    Honda CR-V$1,950$163
    Ford Ranger$1,978$165
    Toyota Tacoma$2,068$172
    Hyundai Tucson$2,070$173
    Ford Explorer$2,092$174
    Toyota RAV4$2,102$175
    Ford F150$2,154$180
    Nissan Sentra$2,170$181
    Toyota 4Runner$2,172$181
    Nissan Rogue$2,180$182
    Toyota Camry$2,188$182
    Toyota Corolla$2,188$182
    Honda Civic$2,206$184
    Ford Bronco$2,240$187
    Toyota Highlander$2,240$187
    Honda Pilot$2,258$188
    Kia Forte$2,278$190
    Hyundai Santa Fe$2,322$194
    Ford Mustang$2,350$196
    Chevrolet Silverado$2,392$199
    Jeep Cherokee$2,472$206
    Hyundai Elantra$2,510$209
    Ram Truck$2,542$212
    Jeep Wrangler$2,550$213

    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.