How Do Car Insurance Costs Compare Across Florida?

Florida ranks as the state with the third-highest car insurance rates in the nation. To find out how much factors such as location, age and gender affected costs, we studied costs across more than 100 locations in Florida.

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
{"id":4,"isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"buttonText":"Find Insurers","customEventLabel":"","defaultZip":"","defaultProduct":"auto","quoteWizardEndpoint":"https:\/\/","trackingKey":"_car-insurance-study-cities-florida","tier":"default","title":"Find Cheap Auto Insurance Quotes in Your Area","vendor":"vp","style":null}

Least Expensive Places

As a group, the five least expensive locations out of 128 tended to cost 21% less than the typical city in the state. They were generally less populated locales in Florida, with fewer than 25,000 residents. They were also mostly clustered in the northwest of Florida in the panhandle area, close to the coast. Gainesville was the one exception in this group in terms of both a larger population and a central location in the state.

Top 5 cheapest locations in Florida for Auto Insurance

Most Expensive Places

Despite ranking with the third highest auto insurance costs in America, our sample residents in these five cities saw annual outlays that were 51%—in some cases $1,000—higher than their typical in-state neighbor. Most of them were clustered in the Miami-Dade county. Some were cities with larger populations, numbering more than 230,000 people. They tended to have higher density per square mile, which typically increase the likelihood of accidents, and therefore higher costs.

Top 5 most expensive places in Florida for auto insurance

Sample Profiles

To evaluate how much different demographic factors impacted customers’ costs, we compared rates for our baseline 30-year-old single man to counterparts that were married, female or 65 and older. For this subset, we studied auto insurance rates in 10 of the most populated cities in Florida, from Jacksonville to Fort Lauderdale.

The average cost of car insurance for different driver profiles

For the estimated 20% of the population in Florida over the age of 65: Our results showed that growing older (up to a certain point) reduced costs. Our profiled senior citizens saw rates that were 5% less than their counterpart that was 30 years younger. This translates roughly into a $100 reduction in costs over a one-year period.

By changing his marital status from single to married, our profiled man saw a 5% reduction, about $88 per year, in costs in our study. Insurers tend to view married drivers more favorably, as they’re believed to be more responsible on the road. While roughly on par with the age reduction, being 65 was a stronger savings signal than being married.

On the other hand, we found that being female meant higher auto insurance costs in Florida. By changing the gender variable from male to female, our team saw rates increasing 4%, or about $80 per year for our 30-year-old Floridian. In general, costs for female drivers across the U.S. tend to be lower than males in the teenage years and gradually increase until they are slightly greater than those of males after their mid-20s.

Full List

The table below lists the 128 cities and towns studied from Altamonte Springs to Winter Springs. We’ve also displayed the average annual rate we obtained and the difference compared to the Florida mean of $1,589 for this subset of cities. Ranks are in ascending order, so No. 1 is the least expensive. Several cities tied with similar rates, and rankings were adjusted accordingly.

RankCity or TownAverage Annual Rate% Different from FL Average
1Santa Rosa Beach$1,222-23%
3 (tie)Fort Walton Beach$1,267-20%
3 (tie)Destin$1,267-20%
6 (tie)Williston$1,301-18%
6 (tie)Coral Gables$1,301-18%
8Panama City$1,310-18%
9Cedar Key$1,313-17%
10 (tie)Madison$1,330-16%
10 (tie)Port Saint Joe$1,330-16%
12North Port$1,332-16%
13 (tie)Venice$1,334-16%
13 (tie)Englewood$1,334-16%
15The Villages$1,351-15%
17 (tie)Sarasota$1,358-15%
17 (tie)Apalachicola$1,358-15%
19 (tie)Port Charlotte$1,363-14%
19 (tie)Marco Island$1,363-14%
21 (tie)Bonita Springs$1,366-14%
21 (tie)Lady Lake$1,366-14%
21 (tie)Leesburg$1,366-14%
21 (tie)Lake City$1,366-14%
25 (tie)Ponte Vedra Beach$1,373-14%
25 (tie)Saint Johns$1,373-14%
25 (tie)Bushnell$1,373-14%
28Saint Augustine$1,375-13%
31Port Orange$1,385-13%
32 (tie)Cocoa$1,392-12%
32 (tie)Ormond Beach$1,392-12%
32 (tie)Satellite Beach$1,392-12%
32 (tie)Titusville$1,392-12%
38Boca Grande$1,404-12%
40 (tie)Clermont$1,409-11%
40 (tie)Milton$1,409-11%
42Fort Myers$1,416-11%
43Palm Coast$1,421-11%
44 (tie)Melbourne$1,426-10%
44 (tie)Rockledge$1,426-10%
44 (tie)Crystal River$1,426-10%
49Fernandina Beach$1,435-10%
51 (tie)Bradenton$1,442-9%
51 (tie)Daytona Beach$1,442-9%
51 (tie)Sanford$1,442-9%
54 (tie)North Fort Myers$1,445-9%
54 (tie)Oviedo$1,445-9%
56Lake Mary$1,447-9%
57Cape Coral$1,450-9%
60 (tie)Cantonment$1,464-8%
60 (tie)Vero Beach$1,464-8%
62Winter Springs$1,466-8%
65Jacksonville Beach$1,478-7%
66 (tie)Altamonte Springs$1,483-7%
66 (tie)Casselberry$1,483-7%
68Palm Bay$1,488-6%
69 (tie)Lakeland$1,490-6%
69 (tie)Clewiston$1,490-6%
71Winter Park$1,498-6%
73Fort Pierce$1,512-5%
74 (tie)Middleburg$1,519-4%
74 (tie)Orange Park$1,519-4%
76Winter Haven$1,522-4%
77 (tie)Apopka$1,526-4%
77 (tie)Winter Garden$1,526-4%
79 (tie)Ocoee$1,529-4%
79 (tie)Windermere$1,529-4%
84 (tie)Key West$1,572-1%
84 (tie)Marathon$1,572-1%
86Port Saint Lucie$1,577-1%
87 (tie)Palm City$1,5981%
87 (tie)Stuart$1,5981%
87 (tie)Brooksville$1,5981%
93Spring Hill$1,6635%
94Pine Island$1,6665%
95Palm Beach Gardens$1,6876%
97Dade City$1,76611%
99Saint Petersburg$1,77612%
102Palm Harbor$1,80714%
103 (tie)New Port Richey$1,81414%
103 (tie)Port Richey$1,81414%
105Miami Beach$1,81914%
108Fort Lauderdale$1,89819%
109Boca Raton$1,95423%
111Deerfield Beach$1,98225%
112Pompano Beach$1,99726%
115West Palm Beach$2,04729%
117North Miami Beach$2,07631%
118Boynton Beach$2,11933%
120Delray Beach$2,13434%
121Palm Beach$2,17237%
122Lake Worth$2,19138%
123Miami Gardens$2,20839%
125 (tie)Homestead$2,35448%
125 (tie)Opa Locka$2,35448%
Florida Average$1,5890%


We selected a list of 128 locations representing a mixture of small towns and the most populated cities. Next, we obtained quotes across five of the largest companies and online insurers, including State Farm, Esurance, GEICO, Progressive and Allstate, for our profiled driver.

For this study, we picked a 30-year-old man as our sample driver. He had an excellent credit score and driving history, with no DUIs or accidents in the past three years. Our sample car was the popular Honda Civic. We sought liability coverage limits of $50,000 per person and $100,000 max per accident.

Data presented in the study are for informational purposes only. Your rates will not match the costs here, as quotes are highly tailored to each driver.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.