$2,756
Avg. Auto Insurance/Year
56% above national avg
$4,231
Avg. Home Insurance/Year
132% above national avg
#2
Cost Ranking (Most Expensive)
10/20/10
Minimum Liability Required
📰 For Journalists & Bloggers:
You may cite this data with attribution to InsureCompare.
Citation: "According to InsureCompare's 2025 State Insurance Rate Report,
the average Florida driver pays $2,756 annually for car insurance,
which is 56% above the national average."
Source: InsureCompare.com
How Florida Compares to National Average
Auto Insurance
Florida: $2,756 vs National: $1,771
Home Insurance
Florida: $4,231 vs National: $1,820
Florida Minimum Insurance Requirements
| Coverage Type |
Minimum Required |
Recommended |
| Bodily Injury (per person) |
$10k |
$100k+ |
| Bodily Injury (per accident) |
$20k |
$300k+ |
| Property Damage |
$10k |
$100k+ |
Cheapest Car Insurance Companies in Florida
| Company |
Avg. Annual Rate |
vs State Avg |
| GEICO |
$2,259 |
-18% |
| USAA (Military) |
$2,067 |
-25% |
| Progressive |
$2,425 |
-12% |
| State Farm |
$2,618 |
-5% |