Florida vs Pennsylvania Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Pennsylvania is $740/yr cheaper on average.

Fewer Uninsured

Pennsylvania has a lower uninsured rate (7.6% vs 20.4%).

Rate & Coverage Comparison

Attribute	Florida	Pennsylvania
Avg Annual Premium	$2,500	$1,760
Min Liability	$820	$580
Full Coverage	$2,500	$1,760
Fault System	No-Fault	No-Fault
Uninsured Rate	20.4%	7.6%
Registered Vehicles	17,661,160	10,662,460
Accidents/Year	264,917	159,936
Population	21,538,000	13,003,000

Minimum Coverage Requirements

Florida

10/20 / 10 liability

Pennsylvania

15/30 / 5 liability

Premium Comparison

Florida$820 – $2,500

Liability: $820Avg: $2,500Full: $2,500

Pennsylvania$580 – $1,760

Liability: $580Avg: $1,760Full: $1,760

FloridaFull rates, age breakdown, requirements →PennsylvaniaFull rates, age breakdown, requirements →

📊

CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Florida or Pennsylvania?

Pennsylvania has cheaper car insurance, with an average annual premium of $1,760 compared to $2,500 in Florida - a difference of $740 per year.

How do Florida and Pennsylvania compare on fault systems?

Florida uses a no-fault system while Pennsylvania uses a no-fault system. Both states use the same system.

What are the minimum insurance requirements in Florida vs Pennsylvania?

Florida requires 10/20 / 10 liability. Pennsylvania requires 15/30 / 5 liability. Minimum liability costs $820/yr in Florida and $580/yr in Pennsylvania.

Which state has more uninsured drivers, Florida or Pennsylvania?

Florida has a higher uninsured driver rate at 20.4%, compared to 7.6% in Pennsylvania. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Florida vs Pennsylvania insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

Florida

Pennsylvania

Avg Annual Premium

$2,500

$1,760

Min Liability

$820

$580

Full Coverage

$2,500

$1,760

Fault System

No-Fault

Uninsured Rate

20.4%

7.6%

Registered Vehicles

17,661,160

10,662,460

Accidents/Year

264,917

159,936

Population

21,538,000

13,003,000