In 2025, auto insurance in Florida costs an average of $2,668 annually or $222 per month, according to Experian, with driving records, age and vehicle choice impacting the cost of coverage.

Why Florida auto insurance rates are rising according to Experian:

Extreme weather events: Florida is extremely vulnerable to tornadoes and hurricanes, according to the Insurance Information Institute. Both types of storms often involve hail, putting vehicles at risk for damage and increasing the number of comprehensive car insurance claims. On average, hail claims are 21.7% more expensive to repair than the average comprehensive claim, according to data from insurance solution provider CCC Intelligent Solutions.
High rate of vehicle theft: Florida ranks third in states with the most motor vehicle thefts, according to 2023 data from the National Insurance Crime Bureau (NICB).
More claims: Floridians are more likely than average to file both property damage and injury claims, and the median settlement amount for Florida injury claims is significantly higher than average, according to data from the Insurance Research Council (IRC).
Uninsured motorists: Florida has a high percentage of uninsured drivers. Some 15.9% of Florida drivers don't have insurance, according to the IRC.
Attorney involvement and fraud: Florida drivers are more apt than average to hire attorneys for car insurance claims, the IRC reports, which tends to increase settlement amounts. There is also a high rate of insurance fraud in the state, according to the IRC.

See also:

Special Reports /

Progressive auto insurance customers in Florida could get a $300 rebate

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