Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Feb 17, 2022

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Key Takeaways

  • Florida is in the top 10 states for uninsured drivers.
  • More than 150 natural disasters have occurred in Florida since 1953.
  • The average cost of Florida car insurance is $184 a month.

Did you recently get an expensive auto insurance quote from a Florida insurance company? Florida car insurance is higher than the national average.

But why do Florida drivers pay more for car insurance than drivers in other states? Do not worry – we are here to help.

This article shows why auto insurance rates in Florida are expensive, how to get cheaper quotes, and which car insurance companies provide affordable rates.

Continue reading to learn more about why car insurance is so expensive in Florida. Enter your ZIP code in the free online quote tool above if you’re ready to compare multiple insurance companies near you.

Why is car insurance so expensive in Florida?

Florida is ranked sixth in the nation when it comes to the percent of uninsured drivers in a state. According to the Insurance Information Institute, Florida’s uninsured motorist percentage was 20.4% in 2019.

But other factors affect Florida’s expensive auto insurance rates, such as:

  • Uninsured drivers
  • High-risk drivers
  • Busy streets
  • Higher than average natural disasters

Combined with the risk of uninsured drivers, Florida has several tourist seasons (Spring, Summer, and early Autumn). Tourists visit Florida throughout the year, increasing the risk of insurance claims.

Florida car insurance companies prepare for these risks by issuing higher rates to cancel out incoming auto insurance claims.

Why does weather affect Florida car insurance rates?

Florida is known for warm weather and devastating storms. Throughout the year, Florida has tropical storms, flooding, and even hurricanes.

According to World Population Review, Florida has had more than 130 disasters since 1953, making it the fifth most disaster-prone state in the nation.

The Florida panhandle endures these disasters at a much higher rate than other states. Drivers are often victims of comprehensive damage, such as flooding, hail damage, wind damage, and damage from falling objects.

Since disasters are more likely to happen in Florida, auto insurance companies drive up rates to bog down on turbulent risk.

What other factors should Florida drivers know?

Florida auto insurance is also expensive because 13.2% of people in Florida do not have health insurance. That means car insurance companies have a higher risk of paying more to drivers and pedestrians after an accident.

Florida ranks fourth in states with a high percentage of people who do not have health coverage. Although 13% does not sound like a lot, it is a big number compared to other areas in the United States.

How do busy roadways affect Florida car insurance quotes?

Insurance companies use commute mileage to determine how often their customers drive. According to Data USA, Florida’s commute time is about 27 minutes on average.

The national average commute time is around 26 minutes.

When you factor in the busiest hours of the day, commute time increases by at least 10%. The longer you are on the road, the higher your risk of getting into a car accident.

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What are the minimum car insurance requirements in Florida?

Florida’s auto insurance requirements are lower than most states. The minimum requirements in Florida are as follows:

  • $10,000 for bodily injury (BI) of one person per accident
  • $20,000 for bodily injury (BI) of multiple people per accident
  • $10,000 for property damage (PD) per accident
  • $10,000 for personal injury protection (PIP)

Sometimes you will see these limits abbreviated as 10/20/10. Most areas in the United States have 25/50/25 policy limits. But most car insurance companies recommend 50/100/50 regardless of the state.

If you increase your policy amount (coverage level), you will have to pay more for auto insurance.

How much is car insurance in Florida per month?

On average, Florida auto insurance is $184 a month. However, you can secure more affordable rates under specific factors, such as the following:

  • Vehicle type
  • Location
  • Age
  • Driving record

The company with your policy is also a significant factor because each insurance company calculates your car insurance quotes differently.

For example, the latest National Association of Insurance Commissioners (NAIC) report says the average Florida driver can pay as low as $118. But these auto insurance rates tend to vary for each driver.

Which Florida county has the most affordable car insurance rates?

Where you live in Florida also impacts how much you pay for auto insurance. Metropolitan areas have expensive car insurance because of the dense driver population and higher chances of filing claims.

But how much is auto insurance in each Florida county? Let’s look at Florida car insurance rates by county.

Florida Car Insurance Rates by County and Vehicle Type
Indian River$78$61$79$75$74
Palm Beach$88$70$89$84$83
Santa Rosa$74$57$73$72$70
St. Johns$73$58$74$71$70
St. Lucie$85$65$82$84$81
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We also included the insurance rates by vehicle type to show you how estimates are different. In most cases, Florida drivers can pay cheaper rates when they have a specific car type.

Sedans usually cost more to insure because they are more likely to be in a car accident. On the other hand, SUVs and trucks are less likely to endure severe damage, and they reduce the chances of injuries because of their size and weight.

What is the cheapest car insurance for 18-year-old drivers?

Liability-only coverage is the most affordable coverage for 18-year-old drivers. The cheapest companies for teen drivers are GEICO and State Farm, which have monthly rates of around $170 per month when they are under a parent or legal guardian’s policy.

What are the cheapest car insurance companies in Florida?

Auto insurance rates are different for each insurance company. Therefore, the average rate at one company varies for other insurance companies.

Let’s examine Florida’s cheapest car insurance companies in the table below.

Most Affordable Car Insurance Companies in Florida
CompaniesMonthly Rates
State Farm$141
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GEICO and State Farm are the cheapest auto insurance companies in Florida. But you should still shop around with multiple insurance companies until you find a policy within your budget.

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How do I save money on Florida car insurance?

Were you affected by a Florida car insurance rate increase in 2021? You can save money on auto insurance in Florida by stacking discounts and reducing your commutes during the week.

If you happen to have a clean driving record, you can save at least 20% off car insurance. Meanwhile, excellent and good credit provides up to 30% off your insurance bill.

Also, you should try ride sharing and public transportation in urban areas to reduce your estimated annual mileage. Some insurance companies provide at least 5% off auto insurance when you drive less than average.

When you are eligible for various deals, you can combine your savings and pay hundreds of dollars less per year. Contact your auto insurance company to ensure you’re getting the most out of your insurance policy.

Why is Florida Car Insurance So Expensive: The Bottom Line

Florida is one of the most expensive states for auto insurance. The percentage of uninsured drivers is much higher than most states in the nation, so car insurance companies issue more expensive rates because of the risk of filing claims.

But living in Florida does not disqualify you for affordable insurance. Specific factors can secure cheap auto insurance per month. And the right discounts can guarantee savings when you stack multiple deals.

Now that you know more about why car insurance is so expensive in Florida, use our free comparison tool below to get quotes from the best companies in your area.