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Auto insurance rates, minimum coverage requirements, and driver statistics for Florida (FL).
Avg Annual Premium
$2,500
$774 above national avg
Cost Rank
#3
of 51 (most expensive first)
Fault System
No-Fault
Tort-based
Uninsured Rate
20.4%
of drivers
Min Liability
$820/yr
Legal minimum
Average Premium
$2,500/yr
State average
Full Coverage
$2,500/yr
Comprehensive + Collision
Florida requires:
10/20 / 10 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $6,750 | $7,625 | $5,875 |
| 20-25 | $4,500 | $5,000 | $4,000 |
| 26-35 | $2,750 | $2,875 | $2,625 |
| 36-45 | $2,500 | $2,550 | $2,450 |
| 46-55 | $2,375 | $2,425 | $2,325 |
| 56-65 | $2,300 | $2,350 | $2,250 |
| 65+ | $2,625 | $2,700 | $2,550 |
Rates shown are annual averages for each age group in Florida. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Florida | National Avg |
|---|---|---|
| Average Annual Premium | $2,500 | $1,726 |
| Uninsured Rate | 20.4% | 11.1% |
| Registered Vehicles | 17,661,160 | 5,330,804 |
| Accidents per Year | 264,917 | 79,962 |
Population
21,538,000
Registered Vehicles
17,661,160
Accidents per Year
264,917
Vehicles per Capita
0.82
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.
Read our full methodology or contact us with corrections.