Updated April 2026 | Rank #50 of 51
Car Insurance Cost Per Month in Florida 2026
Full coverage avg
$321/mo
Minimum coverage avg
$96/mo
State minimum reqs
10/20/10 (PIP $10K)
No-fault / PIP
Florida's no-fault PIP system and high uninsured-driver rate (~20%), combined with hurricane risk and elevated medical fraud, make it the second most expensive state. Adjust age and vehicle below to see your estimated monthly cost.
Florida
in Florida with a Sedan
$321/month
Full coverage estimate (100/300/100 + collision + comp). +$113 above national avg
State Min$183/mo10/20/10 (PIP $10K)
Standard$238/mo50/100/50
Full Coverage$321/mo100/300/100
Source: NerdWallet 2026, ValuePenguin 2026, Bankrate 2026
How we calculate thisAverage Monthly Cost by Age in Florida 2026
| Age | Min Coverage | Full Coverage (Sedan) | Details |
|---|---|---|---|
| 16 | $624 | $1091 | Age 16page → |
| 17 | $569 | $995 | Age 17page → |
| 18 | $495 | $867 | Age 18page → |
| 19 | $422 | $738 | Age 19page → |
| 25 | $183 | $321 | Age 25page → |
| 35 | $156 | $273 | Age 35page → |
| 45 | $160 | $279 | Age 45page → |
| 65 | $174 | $305 | Age 65page → |
Average Monthly Cost by Vehicle Type in Florida
Top 3 Carriers in Florida by Market Share (NAIC Q1 2026)
1
State Farm
By direct written premium
2
GEICO
By direct written premium
3
Progressive
By direct written premium
Market share data is from NAIC Q1 2026 public filings. Market share does not equal cheapest rate for your profile.
Nearby States by Cost Rank
Florida Car Insurance FAQs
What is the average car insurance cost per month in Florida?⌄
The average car insurance cost in Florida is $321 per month for full coverage (100/300/100 plus collision and comprehensive) as of 2026, per cross-referenced data from NerdWallet, Bankrate, and ValuePenguin. Minimum-coverage-only policies average $96 per month. Florida ranks #50 of 51 jurisdictions by cost (1 = cheapest, 51 = most expensive).
What is the minimum car insurance required in Florida?⌄
Florida requires minimum liability coverage of 10/20/10 (PIP $10K). Florida is a no-fault state requiring Personal Injury Protection (PIP) in addition to liability.
Who has the cheapest car insurance in Florida?⌄
The top three carriers by market share in Florida are State Farm, GEICO, Progressive, per NAIC Q1 2026 market filings. Market share does not equal cheapest price -- the best rate for your specific profile (age, vehicle, driving record, credit score in states where legal) requires comparing quotes. We recommend comparing at least 3 carriers. carinsurancecomparisontool.com offers a side-by-side carrier comparison.
Does Florida have no-fault insurance?⌄
Yes. Florida is a no-fault state, requiring drivers to carry Personal Injury Protection (PIP) coverage. Under no-fault, each driver's own insurance pays their own medical bills after an accident, regardless of fault. Florida's minimum PIP requirement is part of the 10/20/10 (PIP $10K) minimum package.
Why is car insurance so expensive in Florida?⌄
Florida's no-fault PIP system and high uninsured-driver rate (~20%), combined with hurricane risk and elevated medical fraud, make it the second most expensive state.
Is my credit score used for car insurance in Florida?⌄
Yes, in most cases. Florida allows insurers to use a credit-based insurance score (distinct from your FICO) to predict claim likelihood. A poor credit-based score can add 20-100% to your premium. Improving your credit over 12-24 months can generate meaningful savings at renewal.