This page states the published average, the source it comes from, the profile it describes, and the state rules that shape every Florida quote. It does not state what any driver will pay. No per-carrier price is published here, because no free public source publishes per-carrier premiums, and no "cheapest insurer in Florida" claim is made anywhere on this page.
What is the published average?
| Figure | Florida | United States |
|---|---|---|
| Average expenditure, 2024 | $2,017.97 per year | $1,431.63 per year |
| Average expenditure, 2023 | $1,878.40 per year | $1,281.61 per year |
| Change, 2023 to 2024 | +7.4% | +11.7% |
| Combined average premium, 2024 | $2,174.55 per year | $1,612.81 per year |
| Combined average premium, 2023 | $2,000.69 per year | $1,438.51 per year |
| Rank, average expenditure (of 51 jurisdictions) | 1st highest | - |
Florida sits 41.0% above the countrywide average expenditure and 34.8% above the countrywide combined premium. Its year-on-year rise was slower than the national rise (Florida up 7.4% against 11.7% countrywide) but from the highest base in the country. For scale, the lowest average expenditure in 2024 was North Dakota at $907.25; Florida's figure is more than double it.
A note on the printed figures, carried over from the magnet page: Florida's combined premium is copied exactly as the NAIC prints it in Table 5: $2,174.55 for 2024. The three coverage averages in the NAIC's Tables 1-3 sum to $0.01 more for Florida; the difference is rounding in the NAIC's own tables, and the printed figure is not "corrected" here.
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement, September 2026, 2024 data, all insured vehicles, 51 jurisdictions (50 states + District of Columbia). Retrieved 2026-11-06. Current as of September 2026.
What does "average expenditure" mean?
Two different averages appear on this page, and they are not the same number.
Average expenditure is what the average insured vehicle costs to insure in a year. It is the NAIC's headline measure: total premiums earned divided by the number of insured vehicles.
Combined average premium is the sum of the three cover averages (liability, collision and comprehensive) for the average insured vehicle. Countrywide in 2024, the three parts were liability $813.27, collision $516.39 and comprehensive $283.15 per year, summing to the combined $1,612.81.
The NAIC itself warns that state-to-state comparisons should be treated with a high degree of caution, because limits, deductibles, laws and demographics differ between states. Florida's figure is not directly comparable to another state's figure as a measure of how expensive one state's insurance "is". The mix of cover drivers buy, the limits they choose and the laws they drive under are all different.
Three consequences follow from the definitions, and they matter more than the headline number:
- The average mixes every kind of driver and every level of cover. A driver carrying only the required cover will pay less than the average; a driver with full cover on a new car will usually pay more.
- The average is backward-looking. It describes premiums earned in 2024, published in September 2026. It is not a quote for today, and it does not predict what any carrier will charge next.
- The average says nothing about any one carrier. Two carriers can charge very different prices for the same driver in the same state, and the NAIC average hides that spread entirely.
What does Florida require?
Florida is a no-fault state for personal injury protection (PIP): after a crash, your own PIP cover is the first source for your own medical costs and certain other losses, up to its limit, regardless of who caused the crash. Florida requires drivers to carry PIP and property damage liability (PDL) cover at the state's minimum levels, while bodily injury liability is widely recommended but not part of the same minimum requirement.
No-fault describes the PIP route for initial medical costs; it does not remove fault from the whole system. Serious injuries can still lead to claims against the at-fault driver beyond PIP. The state's own guide sets out the full position: /auto/florida-auto-insurance/. Note that the dollar amounts of Florida's minimum levels are not printed in our live state guide, so they are not printed here either, check the guide and the Florida regulator for the current figures.
That single rule changes how policies are built and what a quote means. It is the first of several Florida differences: Florida prices are shaped by weather and litigation risk as well as by driving risk.
Why does Florida sit where it does?
No single factor explains a state average, and this page does not pretend one does. The published figures that can be stated are these: Florida ranks 1st of 51 jurisdictions on average expenditure and on the combined premium, 41.0% and 34.8% above the national figures respectively, with a 2024 rise slower than the national rise. The live Florida guide records that Florida prices are shaped by weather and litigation risk as well as by driving risk. What moves any driver's price, in Florida as elsewhere, is the combination of the cover chosen, the deductible, the vehicle, where it is kept and driven, and the driver's history, and the exact factors a carrier may use are set by the carrier and the state regulator, and vary between them.
What can be said with the published data in hand is where Florida stands relative to the rest of the country: the highest in the country on both measures, by a wide margin. That is a description of the published average, not an explanation of any individual quote.
What is not published here?
- No per-carrier prices. No free public source publishes what any one carrier charges in Florida. Any page that prints a per-carrier Florida price without a named source and a date is guessing.
- No "cheapest insurer in Florida". A cheapest-insurer claim needs per-carrier prices for a stated driver profile. We do not hold them, so we do not make the claim.
- No quote. This page is a published average with its source beside it. A real price comes only from a carrier or a licensed agent, for a stated driver, vehicle and cover level.
- No rating or review score. We do not score carriers. A public-data ratings page, built from the NAIC complaint index and AM Best financial-strength ratings with its method printed on the page, is planned separately. Nothing is rated here.
- No dollar figure for Florida's minimum levels. Our live state guide does not print them, so this page does not print them either. They are not guessed.
How do I use this page?
- Compare the published average with a quote you have received, remembering that the average mixes all cover levels and all drivers. A quote for the required cover only will sit below it; a full-cover quote on a newer car will usually sit above it.
- Read the state guide for how Florida's no-fault system works and what Florida requires: /auto/florida-auto-insurance/.
- See every state's published averages side by side on the magnet page: /compare/average-insurance-costs-by-state/.
- Use the comparison tool to work through cover levels and see published averages beside quote-only carrier entries: /compare/auto/.
- Read how every figure on this site is sourced before it is published: /compare/methodology/.