State Farm Florida Auto Insurance Rates
Median premium: $1,158/6mo across 1,473 ZIP codes.
Based on SERFF regulatory rate filings — updated March 2026.
How State Farm Compares in Florida
Median 6-month premium across all rated ZIPs. State Farm highlighted in blue.
Geographic Detail
Cheapest Cities for State Farm
| City | Avg Premium | vs. State Median |
|---|---|---|
| Naples | $695 | -48% |
| Bonita Springs | $695 | -48% |
| Copeland | $695 | -48% |
Most Expensive Cities for State Farm
| City | Avg Premium | vs. State Median |
|---|---|---|
| North Miami Beach | $1,456 | +9% |
| Key Biscayne | $1,456 | +9% |
| Coral Gables | $1,456 | +9% |
State Farm Florida Insurance FAQ
ZIP Code Lookup
Enter your ZIP code to see State Farm's rate in your area.
Other carriers in Florida
State Farm ranks #2 out of 10 carriers in Florida with a median 6-month premium of $1,158. This places State Farm 14% below the statewide median of $1,340. The carrier covers 1,473 ZIP codes across the state, with premiums ranging from $695 to $1,456.
State Farm is the cheapest option in 0% of Florida ZIP codes (0 ZIPs). The most affordable State Farm rates are found in Naples, where the average premium is just $695. On the other end, North Miami Beach has the highest State Farm premiums, averaging $1,456 per 6-month term.
All rate data is sourced from SERFF regulatory filings and validated through TrueFactor's AI-powered validation pipeline. Rates shown are for a standard driver profile (35-year-old, clean record, 2024 Toyota Camry LE, 50/100/50 liability). Actual premiums may vary based on your specific profile, driving history, and coverage selections. Data is updated continuously as new filings are processed.
Want to see rates for your ZIP code?
Access ZIP-level rate data across all 10 carriers, 1,473 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.