Car insurance premiums can often feel like a mystery. Despite having a clean driving record or owning a fairly modest vehicle, you might still find yourself paying a high premium. If you’re a Floridian who is perplexed about this, you’re not alone. There are multiple factors at play that determine your car insurance premiums in the Sunshine State. This article will explore these factors in depth, helping to demystify your car insurance bills and possibly even help you find ways to lower your premiums.

Factors That Determine Your Car Insurance Premiums in Florida

Car insurance premiums in Florida are determined by a multitude of factors. Here are the key factors that influence the cost of your car insurance:

  1. Vehicle: The make, model, price and age of your vehicle can all play a role in determining the cost to insure. Less expensive cars usually cost less to insure.
  2. Location: Your location is one of the biggest determinants of your car insurance premium. Insurance carriers use data from your state and county to help calculate your rate. Factors driven by location include weather claims (such as hail), accidents, and car theft.
  3. Age: Age is a significant rating factor, especially for young drivers. Teen drivers often have to pay the most expensive insurance premiums.
  4. State Coverage Requirements: The more coverage you’re required to have by your state, the higher your insurance rate will be.
  5. Driving Record and Claims History: Your driving record and claims history also impact your cost of car insurance.
  6. Other Factors: Other factors that can affect premium prices include cost and frequency of litigation, medical care and car repair costs. Furthermore, Florida’s busy roadways, additional insurance requirements, and high frequency of claims contribute to why car insurance in Florida is so expensive.

So, car insurance premiums in Florida are affected by a combination of factors related to the driver, the vehicle, and the environment.

Age and Gender

Your age significantly impacts your car insurance premiums in Florida due to the perceived risk associated with different age groups.

Young Drivers: Young drivers, especially those under 25, are generally seen as high-risk drivers. This is because they lack driving experience and have statistically higher accident rates. As a result, they often face the highest car insurance rates1.

Middle-Aged Drivers: Drivers in the age group of 25-65 are considered experienced and responsible drivers. They typically have lower accident rates, making them a lower risk for insurers. Hence, they usually enjoy lower premiums2.

Senior Drivers: While drivers over the age of 65 have a wealth of driving experience, they may face higher premiums due to factors such as slowed reaction times and vision issues. The risk of accidents tends to increase again around this age, leading to a rise in insurance rates34.

Gender: Men tend to pay about 6% more for car insurance than women. This is because, statistically, male drivers, particularly young men, are more likely to be involved in accidents1.

To give you an idea, the average yearly rate for a 16-year-old in Florida is $5,983.52, while a 40-year-old might pay around $98156. However, keep in mind that these are averages, and actual premiums can vary based on other factors like driving record, type of vehicle, and coverage level.

The Type of Vehicle You Drive

The make and model of your vehicle affects your car insurance premiums for several reasons:

  1. Vehicle Value: The more expensive your car is, the more it would cost to replace or repair in case of an accident. Therefore, premiums are usually higher for luxury cars or newer models.
  2. Safety Ratings: Cars with better safety ratings often have lower insurance costs. These vehicles are designed to minimize damage and protect occupants in accidents, leading to fewer injury claims.
  3. Theft Rate: Some cars are more attractive to thieves than others. If your car model is frequently stolen, this could increase your insurance premium.
  4. Repair Costs: Some cars are more expensive to repair than others. This could be due to the availability of parts, specialized labor, or the overall design of the vehicle.

The Least Expensive Cars to Insure in Florida

To get the best car insurance rates in Florida, consider driving a vehicle that is considered low-risk by insurance companies. Typically, these are cars that aren’t expensive to repair, have good safety scores, and aren’t popular with thieves.

The cost of insuring a vehicle in Florida can vary significantly based on the make and model of the vehicle. According to our research, some of the cheapest vehicles to insure include:

  1. Subaru Outback: The Subaru Outback tends to be one of the cheapest cars to insure due to its top safety ratings and lower repair costs.
  2. Chevrolet Trailblazer: The Chevrolet Trailblazer is also relatively cheap to insure, mainly because of its lower market value and good safety scores.
  3. Honda CR-V, Pilot, and Odyssey: These Honda models are generally less expensive to insure due to their high safety ratings and lower repair costs.
  4. Ford Escape and F-150: Ford models, including the Escape and F-150, also tend to have lower insurance costs due to their safety features and lower repair costs.
  5. Subaru Forester and Crosstrek Hybrid: Subaru models are often cheaper to insure due to their excellent safety ratings.

The Most Expensive Cars to Insure

On the other hand, luxury vehicles, sports cars, and high-performance vehicles are typically more expensive to insure. This is due to the high cost of repairs, higher chances of theft, and the potential for high-speed accidents.

For example, luxury cars like the Mercedes-Benz S-Class, BMW 7 Series, and Audi R8 are often among the most expensive cars to insure. These cars have high repair costs, and their high performance can lead to costly accidents.

It’s important to remember that while the type of car you drive can influence your insurance premiums, other factors such as your driving record, age, location, and amount of coverage you choose will also play a significant role.

However, it’s important to note that insurance premiums also depend on other factors like your driving record, age, location, and the amount of coverage you choose.

The factors that determine your car insurance premiums in FL, including age, gender, vehicle type, driving record, credit score, and location.

Driving History and Record

Your driving history significantly affects your car insurance premiums in Florida. Insurers use your driving record as a way to assess how much of a risk you pose. Here are the ways it can impact your premiums:

  1. Traffic Violations: If you have traffic infractions such as speeding tickets or other moving violations on your record, insurers see you as a higher risk, which can lead to increased premiums. The severity and frequency of violations also matter. For example, a single minor speeding ticket might not affect your rate much, but multiple tickets or serious infractions like DUIs will.
  2. Accidents: Being at fault in accidents can raise your insurance rates. Insurers view drivers with past accidents as more likely to be involved in future accidents.
  3. Claims History: If you’ve made several claims, especially in a short period, insurers may consider you a high-risk driver, leading to higher premiums.
  4. Clean Record: Conversely, maintaining a clean driving record – no tickets, no accidents, no claims – can lead to lower premiums. Many insurers offer discounts for safe drivers.

How long these factors affect your insurance rates can vary, but typically, insurers look at your record for the past three to five years. However, some serious infractions, like DUIs, can affect your rates for longer.

Remember that while your driving history plays a crucial role in determining your insurance premium, other factors such as your age, location, type of vehicle, and chosen coverage also contribute to the final cost.

Credit Score

In Florida, as in many states, your credit score can significantly impact your car insurance premiums. Insurance companies use a tool called credit-based insurance scoring. This is different from the credit score a lender might use. The insurance scores are designed to predict risk or the likelihood of you filing an insurance claim.

Here’s why and how it affects your premiums:

  1. Risk Prediction: Studies have shown a correlation between one’s financial stability and the likelihood of filing a claim. Individuals with lower credit scores are statistically more likely to file claims, leading to higher premiums.
  2. Payment History: Your credit score reflects your payment history. Insurers might see a low score as a red flag that you may miss premium payments.
  3. Amount Owed: If you owe a lot of money or are close to your credit limit, insurers may view this as a sign of financial instability, which could lead to higher premiums.

According to a study by The Zebra, drivers with poor credit scores pay an average of $1500 more than those with perfect scores. However, it’s important to note that while credit is a factor, it’s not the only one. Other factors like your driving history, age, location, type of vehicle, and chosen coverage also contribute to the final cost.

It’s also worth noting that not all states allow insurers to use credit scores to determine premiums. In Florida, it’s allowed, but regulations vary across the U.S.


Your location significantly impacts your car insurance premiums in Florida. Here’s why and how:

  1. Population Density: Areas with higher population density often have more accidents, leading to higher premiums. More people mean more cars on the road, which increases the risk of accidents.
  2. Crime Rates: If you live in an area with high rates of vehicle theft or vandalism, you’re likely to pay more for your car insurance.
  3. Weather Conditions: Florida’s geographic location places it in the path of many destructive hurricanes. Areas prone to severe weather conditions, like hurricanes or floods, can have higher premiums due to the increased risk of damage.
  4. Local Regulations: State and local regulations can also affect insurance rates. For example, areas with higher mandatory minimum coverage requirements may have higher average premiums.

As for the cheapest and most expensive places in Florida, a study by ValuePenguin found that the cities with the lowest average annual rates are Gainesville, Tallahassee, and Lakeland, while Miami, Hialeah, and West Palm Beach have the highest average rates.

It’s important to note that while your location plays a crucial role in determining your insurance premium, other factors such as your driving history, age, credit score, type of vehicle, and chosen coverage also contribute to the final cost.

Finding the Right Car Insurance Policy

When shopping for car insurance in Florida, it’s crucial to compare rates from different companies to find the best deal for you. Various factors, such as the coverage you choose, deductibles, and qualifying discounts, can impact the rate you pay. Understanding the details of your policy is also important to ensure transparency.

To ensure an accurate comparison, it’s vital to consider coverage limits, deductibles, discounts, and policy features of each offer. Additionally, watch out for any hidden fees or additional costs that could affect your premiums. At the Culbertson Agency, our experts are here to help you navigate through these complexities and find the right coverage at the right price.

Contact our agency today to speak with one of our knowledgeable agents who can assist you in comparing policies.

Tips for Finding the Best Car Insurance in Florida

Shopping for car insurance in Florida may seem overwhelming, but we’re here to make it easy for you. Understanding the key factors that impact your premiums can help you find the perfect coverage tailored to your needs.

When it comes to car insurance, the coverage amount and deductible you choose are crucial. Our team can guide you in selecting the right options based on the value of your vehicle and the likelihood of making a claim. Plus, if you have a clean driving record, you may qualify for exclusive discounts that can save you money.

Additionally, if your car is equipped with advanced safety features, we can offer you a lower rate for added peace of mind. Don’t hesitate to reach out to us for personalized assistance in finding the best car insurance solution for your unique situation.

Take the first step towards securing your journey on Florida’s roads. Contact us today and let our experts help you navigate the complexities of car insurance with confidence.