Most and Least Expensive Counties for Florida Auto Insurance

Study highlights

  • The study looked at 1,675 quotes provided by state regulators for each of Florida's 67 counties
  • Miami-Dade families had the highest average quote: $10,452
  • Alachua families had the lowest average quote: $4,734
  • The average quote for a hypothetical family of four with two cars in Florida was $5,665
  • On average, the gap between the lowest and highest quote among 25 insurers was $9,208
  • The higher costs in southern Florida can be attributed partially to higher population densities and more prevalent fraud

There's been a lot of talk recently about the prohibitively high cost of auto insurance in Florida. But where in the state are residents likely to pay the most, and where are they likely to pay the least?

According to an analysis of data provided by the state Office of Insurance Regulation (FLOIR), a Florida family of four searching for auto insurance would on average be quoted the highest prices in Miami-Dade County and would be quoted the lowest prices in Alachua County.

FLOIR data representing quotes from 25 insurers for each county show that the average quote for a hypothetical family of four would be $10,452 in Miami-Dade County and $4,734 in Alachua County.

The average for all 67 counties was $5,665.

The government-provided numbers show the sometimes drastic effects location can have on the amount that the average Floridian ends up getting quoted for car insurance.

The data also show how big of a role a family's choice of insurer can play in how much they end up paying for coverage. All counties saw a pretty huge disparity between the lowest and highest quotes. The average gap between the lowest quote and the highest quote for a given county was a whopping $9,208, underscoring the need for families to compare companies when buying coverage.

Quote statistics by county: Most expensive to least expensive

Rank County Average Comparison to Average Lowest Quote Highest Quote FIELD7
1 Miami-Dade $10,452.28 84.50% $4,145.00 $21,578.00
2 Palm Beach $8,785.71 55.08% $3,917.00 $20,036.00
3 Broward $8,571.44 51.30% $4,164.00 $18,017.00
4 Hillsborough $8,310.08 46.69% $3,586.00 $17,678.00
5 Pasco $7,401.44 30.65% $3,231.00 $15,801.00
6 Pinellas $7,347.72 29.70% $3,518.00 $14,979.00
7 Hernando $6,748.84 19.13% $3,228.00 $13,184.00
8 Orange $6,585.84 16.25% $3,141.00 $13,332.00
9 Osceola $6,403.76 13.04% $2,984.00 $12,563.00
10 St. Lucie $6,294.60 11.11% $3,051.00 $12,764.00
11 Hendry $6,175.16 9% $2,879.00 $14,313.00
12 Monroe $6,172.32 8.95% $3,166.00 $13,368.00
13 Lee $6,167.88 8.87% $3,145.00 $13,809.00
14 Martin $6,100.92 7.69% $3,025.00 $12,562.00
15 Polk $6,059.12 6.95% $3,218.00 $12,261.00
16 Manatee $6,042.84 6.67% $3,167.00 $12,583.00
17 Glades $6,032.60 6.48% $2,879.00 $14,008.00
18 Okeechobee $5,991.08 5.75% $3,058.00 $13,974.00
19 Duval $5,929.76 4.67% $2,964.00 $12,082.00
20 Collier $5,772.60 1.90% $2,846.00 $13,879.00
21 Seminole $5,746.68 1.44% $2,930.00 $12,069.00
22 Escambia $5,638.64 -0.46% $2,960.00 $12,319.00
23 Indian River $5,638.08 -0.47% $2,830.00 $11,168.00
24 DeSoto $5,592.12 -1.28% $2,879.00 $11,555.00
25 Sarasota $5,567.20 -1.72% $3,026.00 $10,876.00
26 Clay $5,557.40 -1.89% $2,918.00 $11,582.00
27 Brevard $5,500.68 -2.89% $2,797.00 $11,259.00
28 Hardee $5,498.84 -2.93% $2,879.00 $11,804.00
29 Volusia $5,477.36 -3.31% $2,830.00 $10,653.00
30 Charlotte $5,456.36 -3.68% $2,845.00 $12,333.00
31 Highlands $5,451.24 -3.77% $2,879.00 $12,891.00
32 Flagler $5,427.80 -4.18% $2,420.00 $10,599.00
33 Santa Rosa $5,390.48 -4.84% $2,567.00 $11,108.00
34 Nassau $5,385.32 -4.93% $2,444.00 $10,681.00
35 Citrus $5,296.04 -6.51% $2,680.00 $11,089.00
36 Sumter $5,271.56 -6.94% $2,726.00 $10,013.00
37 Baker $5,270.28 -6.96% $2,572.00 $11,131.00
38 Marion $5,252.48 -7.28% $2,675.00 $10,584.00
39 Lake $5,211.92 -7.99% $2,726.00 $11,100.00
40 Putnam $5,191.04 -8.36% $2,536.00 $10,770.00
41 Bradford $5,172.80 -8.68% $2,358.00 $11,928.00
42 Columbia $5,154.12 -9.01% $2,646.00 $10,757.00
43 Leon $5,045.32 -10.93% $2,252.00 $11,128.00
44 St. Johns $5,043.60 -10.96% $2,290.00 $10,291.00
45 Okaloosa $5,031.12 -11.18% $2,621.00 $10,743.00
46 Bay $5,029.88 -11.21% $2,482.00 $11,016.00
47 Union $5,028.84 -11.22% $2,051.00 $12,254.00
48 Calhoun $5,022.72 -11.33% $2,404.00 $10,548.00
49 Gulf $4,984.47 -12.01% $2,512.00 $10,111.00
50 Holmes $4,971.16 -12.24% $2,326.00 $10,573.00
51 Walton $4,967.47 -12.31% $2,400.00 $10,548.00
52 Washington $4,963.00 -12.39% $2,176.00 $10,403.00
53 Jackson $4,958.35 -12.47% $2,780.00 $10,442.00
54 Dixie $4,903.12 -13.44% $2,390.00 $11,609.00
55 Wakulla $4,896.80 -13.55% $2,372.00 $10,523.00
56 Franklin $4,887.84 -13.71% $2,452.00 $10,237.00
57 Liberty $4,881.96 -13.82% $2,490.00 $11,053.00
58 Gadsden $4,880.28 -13.85% $2,474.00 $10,061.00
59 Jefferson $4,878.68 -13.87% $2,458.00 $10,707.00
60 Taylor $4,866.52 -14.09% $2,300.00 $10,934.00
61 Suwannee $4,855.64 -14.28% $2,364.00 $9,487.00
62 Levy $4,849.43 -14.39% $2,764.00 $9,603.00
63 Gilchrist $4,847.47 -14.43% $2,530.00 $10,629.00
64 Lafayette $4,846.64 -14.44% $2,422.00 $9,666.00
65 Madison $4,845.35 -14.46% $2,348.00 $10,442.00
66 Hamilton $4,838.76 -14.58% $2,160.00 $9,432.00
67 Alachua $4,733.52 -16.44% $2,458.00 $9,115.00

For the analysis, we looked at 1,675 quotes made available on FLOIR's CHOICES rate comparison system. The family used in the comparison included two married 50-year-olds, their 20-year-old son, and their 18-year-old daughter. The family cars were a Toyota Camry and a Toyota Corolla. (For more details, see the methodology note at the bottom of the page.)

As the map below shows, the priciest areas for coverage were in the southeast and central-west Florida. In most of the other regions, the average county cost was either below the statewide average or less than 5 percent above the statewide average.

Average Premium Map: Countywide vs. Statewide

Map Legend
County's average quote compared with statewide average
-20% to -10%
-10% to 0%
0% to +10%
+10% to +30%
+30% to +40%
+40% to +50%
+50% to +60%
+60% to +90%

Click on a county to see its average premium size and relation to the statewide average
Click here to see a larger view of the average quote map in a new window

Crashes + Crime + Abuse = Higher Prices

It's to be expected that Miami-Dade and other south Florida cities would have the highest average rate for a policy; they have higher population densities—which leads to more traffic congestion and accidents—and relatively high crime rates.

"South and central Florida have more people on the roads, with several major metro areas interconnected on highways that are often jammed with traffic," explains Lynne McChristian, the Florida representative for the Insurance Information Institute. "That often means there are more car crashes, along with more thefts and/or vandalism in crowded neighborhoods."

Another factor costing insurers in Florida millions of dollars is an abuse of the no-fault system, which happens most frequently in bigger cities.

"Bank robber Willie Sutton said he robbed banks 'because that's where the money is.' Fraudsters go to the big cities because that's where the people are," McChristian says. "There has historically been more fraud and abuse of the no-fault auto insurance system in the bigger cities-because more people mean more opportunity for fraudsters to take advantage of the system."

What kind of abuse is taking place in Florida? According to McChristian, there is plenty of data showing high incidences of staged accidents, and the people involved in those staged accidents then run up high medical bills at "unscrupulous medical clinics" that their insurers end up having to pay for.

It's perfectly legal for Florida insurers to charge policyholders different rates based on where they live. The practice is called "territorial rating," and the only restriction Florida insurers face is that they can't use a single ZIP code as a rating territory, according to a review of state laws by the Connecticut Office of Legislative Research.

To embed this infographic on your site, visit the standalone infographic page here to generate embed code.

Note on methodology: (Return to top)
All rates used in this study were found through the Florida Office of Insurance Regulation's CHOICES rate comparison system in late August.

The family profile used for the comparison includes a 50-year-old male married to a 50-year-old female with a 20-year-old son and an 18-year-old daughter.

None of the family members had any crashes or violations in the past three years.

They are switching insurers, so it would be a new policy, not a renewing policy, but they have been insured at least for the past three years.

The cars used for the comparison were a 2012 Toyota Camry driven 12,000 miles per year and a 2007 Toyota Corolla driven 8,000 miles per year.

The policy is for one year and includes the following coverages:

  • Liability coverage with limits of 25/50/50
  • PIP with a $10,000 limit and no deductible
  • Medical payments coverage with a $5,000 limit
  • Uninsured motorist coverage with limits of 25/50
  • Comprehensive coverage with a $250 deductible
  • Collision coverage with a $500 deductible

Twenty-five insurers provided sample premiums for each county. Major insurers such as Allstate, GEICO, and Progressive were included.

For more comparisons and data visualizations, visit our research and infograph library