Car insurance rates in Florida average around $1,800-$2,000 per year ($150-$167 per month), as of 2019. Even though Florida’s minimum insurance requirements are low—in fact, the lowest in the country—other factors make Florida one of the most expensive states for car insurance in the U.S. These factors include high percentages of uninsured and at-risk drivers, high levels of fraud, catastrophic weather events and densely populated cities.
Certain areas of the state are more expensive for car insurance than others. Drivers in the populous areas of Tampa Bay, Miami, Ft. Lauderdale and Orlando pay the highest rates in the state. Premiums are not as high in Jacksonville or Tallahassee. And the less densely populated areas of the state tend to have the lowest rates.
The amount you pay for coverage in Florida will also depend on factors such as the car you drive, your driving history, age, credit score and gender. To find your best rates, compare personalized quotes from several Florida insurance companies. Progressive, GEICO and Liberty Mutual are three choices that tend to offer good rates in the state.
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