🚗 Car insurance cost in Florida (2026)
The estimated average is $3,978 per year — above the national average (+85% vs. the U.S. average of $2,150).
Florida is home to about 22.6 million people, and car insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Jacksonville typically differ from smaller towns.
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Florida car insurance estimator
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Car insurance cost in Florida cities
| City | Population | Est. car insurance |
|---|---|---|
| Jacksonville | 971,319 | $4,296 |
| Miami | 449,514 | $4,137 |
| Tampa | 403,364 | $4,137 |
| Orlando | 320,742 | $4,137 |
| St. Petersburg | 261,256 | $4,137 |
| Port St. Lucie | 231,790 | $3,978 |
| Hialeah | 221,806 | $3,978 |
| Cape Coral | 216,992 | $3,978 |
| Tallahassee | 202,221 | $3,978 |
| Fort Lauderdale | 184,255 | $3,978 |
Florida car insurance FAQ
How much is car insurance in Florida?
The estimated average car insurance in Florida is $3,978 per year, which is above the national average (+85% vs. the U.S. average of $2,150). Florida ranks 2 of 51 states from most to least expensive.
Why is car insurance expensive in Florida?
Car insurance pricing in Florida reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on car insurance in Florida?
Compare at least three quotes from insurers active in Florida, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.