Average insurance rates across 380 cities in Florida
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Jacksonville | 954,614 | $4,042 | $2,491 | $614/mo | $22/mo |
| Palm Bay | 534,348 | $4,558 | $2,809 | $626/mo | $24/mo |
| Bonita Springs | 449,527 | $4,558 | $2,809 | $626/mo | $24/mo |
| Miami | 442,241 | $5,289 | $3,260 | $641/mo | $28/mo |
| Kissimmee | 431,618 | $4,558 | $2,809 | $626/mo | $24/mo |
| Tampa | 399,700 | $4,386 | $2,703 | $622/mo | $23/mo |
| Pensacola | 398,813 | $4,558 | $2,809 | $626/mo | $24/mo |
| Orlando | 307,573 | $4,171 | $2,570 | $617/mo | $22/mo |
| Winter Haven | 293,093 | $4,558 | $2,809 | $626/mo | $24/mo |
| Lakeland | 280,346 | $4,558 | $2,809 | $626/mo | $24/mo |
| St. Petersburg | 259,343 | $4,558 | $2,809 | $626/mo | $24/mo |
| Hialeah | 222,996 | $4,558 | $2,809 | $626/mo | $24/mo |
| Deltona | 221,137 | $4,558 | $2,809 | $626/mo | $24/mo |
| Port St. Lucie | 204,851 | $4,300 | $2,650 | $620/mo | $23/mo |
| Cape Coral | 204,510 | $4,343 | $2,676 | $621/mo | $23/mo |
Florida residents pay an average of $4,300 per year for home insurance and $2,650 for auto insurance. As a no-fault state, Florida requires Personal Injury Protection (PIP) in addition to standard liability coverage. The minimum auto liability coverage required is 10/20/10.
Health insurance in Florida averages $620 per month for an individual Silver marketplace plan. The weather risk level is high, with significant exposure to hurricanes. Top insurance providers in Florida include Citizens, Universal, Heritage.
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Policygenius The ZebraThe average home insurance cost in Florida is $4,300 per year. Rates range from $2,800 to $7,500 depending on home value, location, and coverage level.
Auto insurance in Florida averages $2,650 per year for full coverage. The state minimum coverage is 10/20/10. As a no-fault state, PIP coverage is also required.
Yes, Florida has above-average insurance costs, with home insurance at $4,300/yr and auto at $2,650/yr compared to national averages of $2,300 and $1,800 respectively.
Florida requires minimum liability coverage of 10/20/10 (bodily injury per person / per accident / property damage in thousands). It is a no-fault state requiring PIP coverage.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.