Average car insurance cost in Florida (2026)
Drivers in Florida pay an average of $235 a month for full coverage and $143 a month for liability only.
Full coverage / month
$235
Liability only / month
$143
Full coverage / year
$2,820
Liability only / year
$1,716
Cost rank
#8 of 51
1 = most expensive. Liability-only rank: #10.
Averages are a starting point. Estimate your cost in Florida
How Florida compares
The full-coverage average of $235 is 35% above the average across states ($174), and the liability-only average of $143 is 46% above the average across states ($98). Florida is one of the 10 most expensive places in our table. That is $66 a month below Maryland, the highest, and $150 above New Hampshire, the lowest.
Full coverage vs liability only in Florida
Full coverage costs $92 more per month than liability only in Florida, or $1,104 more per year. That gap is wider than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to Florida by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| Michigan | $230 | $131 | -$5 |
| Washington, D.C. | $227 | $131 | -$8 |
| Connecticut | $225 | $161 | -$10 |
| New York | $217 | $145 | -$18 |
| Colorado | $217 | $97 | -$18 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the Florida averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $235 | $143 |
| Same driver, age 20-24 | $341 | $207 |
| Same driver, one ticket | $287 | $174 |
| Same driver, one at-fault accident | $334 | $203 |
| Same driver, sports car | $306 | $186 |
Frequently asked questions
How much does car insurance cost in Florida?
The average in Florida is $235 a month ($2,820 a year) for full coverage and $143 a month ($1,716 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in Florida expensive compared with other states?
Florida ranks 8th highest of the 50 states and D.C. for full coverage. Its full-coverage average is 35% above the average across states of $174 a month.
How much more does full coverage cost than liability only in Florida?
On average, full coverage costs $92 more per month in Florida, or $1,104 more per year. That is 64% more than the liability-only average.
How much could an at-fault accident change an estimate in Florida?
With our illustrative 1.42 factor, a baseline full-coverage estimate in Florida rises from $235 to about $334 a month, or about $99 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.