Compiled by the Best Car Insurance Florida editorial team · Tables rebuilt · Download the lead table (CSV)
Florida car insurance in numbers, 2023
Florida drivers paid an average of $1,863.82 per insured vehicle in 2023, 45.4% above the countrywide $1,281.60 and 1st of 51 among the states and D.C. The average rose 25.2% from 2019, against +19.2% countrywide.
A Florida policy with liability, collision and comprehensive averaged $1,994, which is 1.54× the $1,294 liability premium. An estimated 17.0% of insured vehicles carried liability only, and 20.6% of motorists had no insurance at all (7th of 51).
| Measure | Florida | United States | Rank |
|---|---|---|---|
| Average expenditure per insured vehicle | $1,863.82 | $1,281.60 | 1st of 51 |
| Change since 2019 | +25.2% | +19.2% | 4th of 51 |
| Average liability premium | $1,294 | $737 | 1st of 51 |
| Average collision premium | $468.91 | $463.69 | 13th of 51 |
| Average comprehensive premium | $230.32 | $238.21 | 26th of 51 |
| All three coverages | $1,993.54 | $1,438.46 | 1st of 51 |
| Full-coverage multiple | 1.54× | 1.95× | 50th of 51 |
| Vehicles with collision coverage | 80.7% | 76.5% | 15th of 51 |
| Liability-only share (est.) | 17.0% | 20.1% | 30th of 51 |
| 10× threshold for dropping full coverage | $7,000 | $7,000 | 19th of 51 |
| Uninsured drivers | 20.6% | 15.4% | 7th of 51 |
| Year | Florida | United States | Florida vs U.S. |
|---|---|---|---|
| 2019 | $1,488.73 | $1,075.08 | +38.5% |
| 2020 | $1,389.08 | $1,047.76 | +32.6% |
| 2021 | $1,423.68 | $1,060.23 | +34.3% |
| 2022 | $1,567.88 | $1,124.45 | +39.4% |
| 2023 | $1,863.82 | $1,281.60 | +45.4% |
Average car insurance cost by state, 2023
The countrywide average expenditure was $1,281.60 per insured vehicle in 2023, about $107 a month. Florida was highest at $1,864 and North Dakota lowest at $808: a 2.31× spread between states before a single personal rating factor is applied. Florida ranked 1st of 51 at $1,864.
Half of the states sit below $1,114. Average expenditure counts every insured vehicle, including the ones that carry liability only, so it is lower than the price of a policy with all three coverages.
| Rank | State | Average expenditure, 2023 | Per month | Change since 2019 |
|---|---|---|---|---|
| 1 | Florida | $1,863.82 | $155 | +25.2% |
| 2 | New York | $1,752.55 | $146 | +21.2% |
| 3 | Louisiana | $1,749.22 | $146 | +12.1% |
| 4 | District of Columbia | $1,676.99 | $140 | +16.5% |
| 5 | New Jersey | $1,572.86 | $131 | +13.1% |
| 6 | Georgia | $1,555.08 | $130 | +22.9% |
| 7 | Rhode Island | $1,539.47 | $128 | +11.4% |
| 8 | Maryland | $1,477.34 | $123 | +20.0% |
| 9 | Delaware | $1,462.03 | $122 | +13.6% |
| 10 | Nevada | $1,461.47 | $122 | +13.1% |
| 11 | Colorado | $1,452.82 | $121 | +23.6% |
| 12 | Michigan | $1,443.45 | $120 | −3.7% |
| 13 | Texas | $1,428.94 | $119 | +24.9% |
| 14 | Connecticut | $1,393.95 | $116 | +10.0% |
| 15 | South Carolina | $1,367.39 | $114 | +22.6% |
| 16 | Arizona | $1,343.85 | $112 | +26.2% |
| 17 | Massachusetts | $1,326.46 | $111 | +12.2% |
| 18 | California | $1,223.16 | $102 | +16.3% |
| 19 | Mississippi | $1,199.53 | $100 | +22.7% |
| 20 | Oregon | $1,170.31 | $98 | +18.2% |
| 21 | Utah | $1,168.98 | $97 | +22.5% |
| 22 | Missouri | $1,154.92 | $96 | +23.7% |
| 23 | Pennsylvania | $1,154.63 | $96 | +16.0% |
| 24 | Illinois | $1,153.05 | $96 | +22.5% |
| 25 | Washington | $1,152.50 | $96 | +7.9% |
| 26 | Virginia | $1,114.47 | $93 | +29.8% |
| 27 | Alaska | $1,112.96 | $93 | +12.3% |
| 28 | Minnesota | $1,102.79 | $92 | +23.6% |
| 29 | Oklahoma | $1,084.54 | $90 | +18.7% |
| 30 | New Mexico | $1,081.61 | $90 | +16.0% |
| 31 | Alabama | $1,081.24 | $90 | +16.6% |
| 32 | West Virginia | $1,062.98 | $89 | +13.2% |
| 33 | Arkansas | $1,050.78 | $88 | +16.7% |
| 34 | Tennessee | $1,049.83 | $87 | +21.4% |
| 35 | Kentucky | $1,045.66 | $87 | +10.4% |
| 36 | New Hampshire | $986.84 | $82 | +14.1% |
| 37 | Nebraska | $980.31 | $82 | +21.4% |
| 38 | Montana | $975.01 | $81 | +16.6% |
| 39 | Kansas | $972.64 | $81 | +18.9% |
| 40 | Wyoming | $948.24 | $79 | +22.0% |
| 41 | Ohio | $947.24 | $79 | +17.5% |
| 42 | South Dakota | $936.15 | $78 | +25.6% |
| 43 | Indiana | $926.42 | $77 | +18.7% |
| 44 | North Carolina | $925.08 | $77 | +22.7% |
| 45 | Wisconsin | $921.55 | $77 | +20.0% |
| 46 | Vermont | $893.16 | $74 | +14.0% |
| 47 | Hawaii | $888.07 | $74 | +5.8% |
| 48 | Iowa | $869.46 | $72 | +22.7% |
| 49 | Idaho | $863.96 | $72 | +16.8% |
| 50 | Maine | $856.28 | $71 | +22.9% |
| 51 | North Dakota | $807.77 | $67 | +14.8% |
| United States | $1,281.60 | $107 | +19.2% |
Full coverage cost by state: liability, collision and comprehensive, 2023
A policy carrying all three coverages averaged $1,438 countrywide in 2023: $737 for liability, $464 for collision and $238 for comprehensive. That is 1.95× the liability premium alone. Florida ranked 1st of 51 at $1,994.
We call that ratio the full-coverage multiple. It ranges from 1.54× in Nevada, where liability is most of the bill, to 3.06× in South Dakota, where comprehensive alone costs more than liability.
| State | Liability | Collision | Comprehensive | All three | Full-coverage multiple |
|---|---|---|---|---|---|
| Florida | $1,294 | $469 | $230 | $1,994 | 1.54× |
| Louisiana | $1,052 | $581 | $346 | $1,979 | 1.88× |
| New York | $1,116 | $541 | $239 | $1,896 | 1.70× |
| District of Columbia | $891 | $664 | $264 | $1,818 | 2.04× |
| Georgia | $1,046 | $473 | $227 | $1,746 | 1.67× |
| Texas | $798 | $529 | $400 | $1,727 | 2.16× |
| Rhode Island | $984 | $540 | $186 | $1,710 | 1.74× |
| New Jersey | $1,033 | $491 | $170 | $1,693 | 1.64× |
| Colorado | $782 | $427 | $447 | $1,655 | 2.12× |
| Maryland | $869 | $514 | $220 | $1,602 | 1.84× |
| Nevada | $1,040 | $424 | $136 | $1,600 | 1.54× |
| Michigan | $765 | $570 | $237 | $1,572 | 2.05× |
| Delaware | $962 | $423 | $184 | $1,569 | 1.63× |
| South Carolina | $879 | $386 | $251 | $1,517 | 1.72× |
| Connecticut | $854 | $478 | $177 | $1,508 | 1.77× |
| Arizona | $793 | $436 | $275 | $1,504 | 1.90× |
| California | $660 | $607 | $150 | $1,417 | 2.15× |
| Massachusetts | $710 | $520 | $183 | $1,413 | 1.99× |
| Mississippi | $637 | $444 | $314 | $1,395 | 2.19× |
| Oklahoma | $566 | $421 | $338 | $1,325 | 2.34× |
| Missouri | $614 | $400 | $308 | $1,323 | 2.15× |
| New Mexico | $624 | $418 | $259 | $1,301 | 2.09× |
| Arkansas | $539 | $466 | $292 | $1,297 | 2.41× |
| Utah | $746 | $378 | $160 | $1,285 | 1.72× |
| Pennsylvania | $567 | $465 | $241 | $1,274 | 2.24× |
| Alabama | $576 | $452 | $241 | $1,269 | 2.20× |
| Oregon | $751 | $352 | $165 | $1,268 | 1.69× |
| Alaska | $624 | $458 | $180 | $1,262 | 2.02× |
| Illinois | $598 | $440 | $219 | $1,257 | 2.10× |
| Virginia | $627 | $407 | $204 | $1,238 | 1.98× |
| Washington | $708 | $373 | $154 | $1,235 | 1.74× |
| West Virginia | $523 | $402 | $302 | $1,227 | 2.35× |
| Minnesota | $542 | $360 | $321 | $1,223 | 2.26× |
| Tennessee | $542 | $441 | $229 | $1,212 | 2.24× |
| Kentucky | $633 | $358 | $218 | $1,208 | 1.91× |
| Nebraska | $484 | $356 | $344 | $1,184 | 2.45× |
| Montana | $472 | $346 | $365 | $1,184 | 2.51× |
| Kansas | $483 | $349 | $349 | $1,182 | 2.44× |
| Wyoming | $390 | $338 | $452 | $1,180 | 3.03× |
| South Dakota | $378 | $307 | $473 | $1,158 | 3.06× |
| North Carolina | $448 | $441 | $208 | $1,097 | 2.45× |
| Ohio | $485 | $363 | $189 | $1,038 | 2.14× |
| New Hampshire | $482 | $391 | $158 | $1,032 | 2.14× |
| Indiana | $485 | $357 | $189 | $1,032 | 2.13× |
| Iowa | $387 | $313 | $310 | $1,010 | 2.61× |
| Wisconsin | $447 | $315 | $239 | $1,000 | 2.24× |
| Hawaii | $464 | $417 | $117 | $998 | 2.15× |
| Idaho | $482 | $324 | $175 | $981 | 2.04× |
| North Dakota | $332 | $320 | $309 | $961 | 2.90× |
| Vermont | $381 | $385 | $191 | $958 | 2.51× |
| Maine | $425 | $336 | $165 | $926 | 2.18× |
| United States | $737 | $464 | $238 | $1,438 | 1.95× |
Where the numbers come from
Where the premium figures come from. The National Association of Insurance Commissioners collects written premiums and written exposures for private passenger auto insurance from statistical agents and state insurance departments. Its 2023 Auto Insurance Database supplement, published in June 2025, covers 2019 to 2023. It is the most recent edition. Unlike rate surveys built from sample quotes, it reflects premiums that were actually written.
Average premium for a coverage is that coverage's written premium divided by its written exposures. An exposure is one car insured for one year. Average expenditure is the premium for liability, collision and comprehensive together, divided by liability exposures, so it reflects the fact that some vehicles carry liability only.
What we calculate. Three figures on this page are our arithmetic on the NAIC tables and are not published by the NAIC. The full-coverage multiple is the sum of the three average premiums divided by the liability average. The liability-only share is 100% minus the larger of the collision and comprehensive exposure counts as a share of liability exposures; it assumes a vehicle with the less common of those two coverages also carries the more common one, and it counts insured car-years, not people. The 10× threshold is ten times the average collision plus comprehensive premium, rounded to the nearest $100.
Limits of the data. Averages cover every driver, vehicle, limit and deductible in a state, so they describe a state's market and not what any one driver will be quoted. The NAIC cautions that state-to-state comparisons need care because laws, traffic density, coverage choices and repair costs differ. California's 2022 and 2023 figures are preliminary, and Texas comprehensive exposures are estimated by the NAIC from collision data. Liability premiums include uninsured motorist, medical payments and personal injury protection.
Uninsured drivers. The Insurance Research Council estimates the uninsured share from the ratio of uninsured-motorist claim frequency to bodily-injury claim frequency. The 2023 figures are the latest published.
Updates. These tables are rebuilt when a source publishes a new edition, and the change is logged on the updates page. Every figure was checked against the published tables when it was transcribed; if you find a discrepancy, tell us.
Questions people ask
What is the average cost of car insurance in Florida?
Florida drivers paid an average of $1,863.82 per insured vehicle in 2023, the latest year the NAIC has published. A policy with liability, collision and comprehensive averaged $1,994.
How much has car insurance gone up in Florida?
Average expenditure rose 25.2% between 2019 and 2023, compared with +19.2% countrywide, from $1,488.73 to $1,863.82 per insured vehicle.
What percentage of drivers have liability-only car insurance?
An estimated 17.0% of insured vehicles in Florida carried neither collision nor comprehensive in 2023, against 20.1% countrywide. 80.7% carried collision and 83.0% carried comprehensive.
Why will my own quote differ from these averages?
A state average blends every driver, vehicle, coverage limit and deductible. Your price depends on your record, vehicle, mileage, address and the coverage you pick, and insurers weigh those differently, which is why comparing several quotes for the same coverage is the only way to see your own number.
Where this comes from
Legal figures on this page (minimum limits, filing periods, statutory benefits) are checked against the primary law or the state insurance regulator listed below. Links and figures last verified Nov 2026.
- 2023 Auto Insurance Database: average premium supplement — National Association of Insurance Commissioners (2025)Statistical dataState tables, 2019–2023, of written premiums, written exposures (insured car-years) and average premiums for liability, collision and comprehensive. Countrywide 2023: average expenditure $1,281.60; liability $737, collision $463.69, comprehensive $238.21 per insured vehicle. NAIC cautions that state-to-state comparisons need care.
- Facts + Statistics: Uninsured motorists — Insurance Information Institute (2025)Statistical dataInsurance Research Council estimates of uninsured drivers: 15.4% countrywide in 2023 (11.6% in 2019); by state in 2023: Mississippi 28.2%, New Mexico 24.1%, D.C. 23.1%, Michigan 22.3%, Florida 20.6%, California 20.4%, Texas 14.5%; lowest Maine 5.7%.
Practical guidance on this page is original editorial work. Cited sources support factual statements and do not endorse this site. Dollar ranges described as typical or illustrative are editorial estimates, not figures from these sources.