Florida vs Texas Car Insurance

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

Quick Verdict

More Affordable

Texas is $560/yr cheaper on average.

Fewer Uninsured

Texas has a lower uninsured rate (14.1% vs 20.4%).

Rate & Coverage Comparison

Attribute	Florida	Texas
Avg Annual Premium	$2,500	$1,940
Min Liability	$820	$640
Full Coverage	$2,500	$1,940
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	20.4%	14.1%
Registered Vehicles	17,661,160	23,899,720
Accidents/Year	264,917	358,495
Population	21,538,000	29,146,000

Minimum Coverage Requirements

Florida

10/20 / 10 liability

Texas

30/60 / 25 liability

Premium Comparison

Florida$820 – $2,500

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

Texas$640 – $1,940

Liability: $640Avg: $1,940Full: $1,940

FloridaFull rates, age breakdown, requirements →TexasFull rates, age breakdown, requirements →

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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 Texas?

Texas has cheaper car insurance, with an average annual premium of $1,940 compared to $2,500 in Florida - a difference of $560 per year.

How do Florida and Texas compare on fault systems?

Florida uses a no-fault system while Texas uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Florida vs Texas?

Florida requires 10/20 / 10 liability. Texas requires 30/60 / 25 liability. Minimum liability costs $820/yr in Florida and $640/yr in Texas.

Which state has more uninsured drivers, Florida or Texas?

Florida has a higher uninsured driver rate at 20.4%, compared to 14.1% in Texas. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Florida vs Texas 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.

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Attribute

Florida

Texas

Avg Annual Premium

$2,500

$1,940

Min Liability

$820

$640

Full Coverage

$2,500

$1,940

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

20.4%

14.1%

Registered Vehicles

17,661,160

23,899,720

Accidents/Year

264,917

358,495

Population

21,538,000

29,146,000