Car insurance by area code

Florida is the most expensive state for car insurance with average auto premiums of $2,560 per year – which is about 23% increase in rates from 2021, according to an Insure.com 2022 analysis. Notably, drivers in no-fault states such as Florida and Michigan pay more for auto insurance than drivers in other states.

Traffic density – more vehicles on the road in an area usually means there will be more accidents and claims. Crime rates – car thefts and vandalism tend to be greater in urban and city areas. Personal injury claims – some areas have higher claim rates for personal injury following an accident.

Frequently asked questions about car insurance in Florida The average cost of car insurance in Florida is $91 per month for minimum coverage, or $238 per month for full coverage.