Florida Auto Insurance Rates
Median premium: $1,340/6mo across 10 carriers and 1,473 ZIP codes.
Premiums range from $804 to $2,056 — a 2.6x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$1,340
per 6 months
ZIP Codes
1,473
with rate data
Carriers
10
rated in FL
Price Spread
2.6x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $906 | 1,473 ZIPs | 100% | |
| 2 | State Farm | $1,158 | 0 ZIPs | 0% | |
| 3 | Auto-Owners | $1,161 | 0 ZIPs | 0% | |
| 4 | GEICO | $1,258 | 0 ZIPs | 0% | |
| 5 | Progressive | $1,322 | 0 ZIPs | 0% | |
| 6 | Farmers | $1,358 | 0 ZIPs | 0% | |
| 7 | Nationwide | $1,419 | 0 ZIPs | 0% | |
| 8 | Travelers | $1,445 | 0 ZIPs | 0% | |
| 9 | Liberty Mutual | $1,484 | 0 ZIPs | 0% | |
| 10 | Allstate | $1,636 | 0 ZIPs | 0% |
1
$906USAA#1 in 1,473 ZIPs (100%)
2
$1,158State Farm#1 in 0 ZIPs (0%)
3
$1,161Auto-Owners#1 in 0 ZIPs (0%)
4
$1,258GEICO#1 in 0 ZIPs (0%)
5
$1,322Progressive#1 in 0 ZIPs (0%)
6
$1,358Farmers#1 in 0 ZIPs (0%)
7
$1,419Nationwide#1 in 0 ZIPs (0%)
8
$1,445Travelers#1 in 0 ZIPs (0%)
9
$1,484Liberty Mutual#1 in 0 ZIPs (0%)
10
$1,636Allstate#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Florida
| City | Avg Median | ZIPs |
|---|---|---|
| Naples | $804 | 17 |
| Bonita Springs | $804 | 4 |
| Copeland | $804 | 1 |
| Chokoloskee | $804 | 1 |
| Everglades City | $804 | 1 |
Most Expensive Cities in Florida
| City | Avg Median | ZIPs |
|---|---|---|
| North Miami Beach | $1,685 | 1 |
| Key Biscayne | $1,685 | 1 |
| Coral Gables | $1,685 | 1 |
| South Bay | $1,636 | 1 |
| Palm Beach | $1,636 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,685/6mo
33199 (Miami)
Cheapest ZIP
$804/6mo
33206 (Miami)
2.6x
Price Spread
The most expensive ZIP in Florida costs 2.6x more than the cheapest. Your ZIP code matters more than you think.
Florida Auto Insurance FAQ
ZIP Code Lookup
Enter your ZIP code to compare rates across all 10 carriers.
All carriers in Florida
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.
Other states
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDistrict of ColumbiaDelawareGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming