How we source and present pricing data

When we publish Florida car insurance rates or average costs, we use data from the Florida Office of Insurance Regulation (OIR), Florida's official insurance regulatory authority.

The OIR publishes rate data through its public filing system and periodic reports such as the CHOICES (Consumers Helping to Obtain Insurance Cost Estimates) dataset. These filings show approved rates for different coverage scenarios, vehicle types, driver profiles, and Florida territories.

The rates we show are benchmark figures based on specific assumptions about the driver, vehicle, and coverage. They are not quotes, not offers, and not guarantees of what any individual driver will pay.

Official rate filings use standardized driver profiles (for example, a 35-year-old driver with a clean record) and specific coverage limits. Your actual quote will depend on:

• Your age, driving record, and claims history
• The vehicle you drive (year, make, model, safety features)
• The coverage limits and deductibles you choose
• Where you live (ZIP code, county, or territory)
• The insurance carrier and their underwriting criteria
• Discounts you qualify for

When we present an "average" Florida car insurance cost, we typically:

• Pull approved rate filings for major carriers from the Florida OIR
• Use a standardized coverage scenario (for example, Florida's minimum required coverage, or a "full coverage" scenario that includes comprehensive and collision)
• Apply a standardized driver profile (for example, a 35-year-old driver with a clean record)
• Calculate the arithmetic mean or median of those rates

We disclose the assumptions used (coverage limits, driver profile, territory) so you understand what the average represents. If a specific scenario uses different assumptions, we say so.

Rate filings become effective on specific dates and remain in effect until a carrier files a new rate change. When we use OIR data, we note:

• The data source (for example, "OIR CHOICES 2026")
• When the data was published or filed
• If the information is historical or currently effective

We update our pages when new rate filings or OIR datasets become available, but there may be a lag between when a carrier files a new rate and when we incorporate it into our site.

To maintain accuracy and transparency, we commit to:

• Not inventing prices. Every dollar amount we publish comes from an official source or is clearly marked as an illustrative example.
• Not guaranteeing what you'll pay. The only way to know your actual rate is to request a quote from a licensed insurer.
• Not claiming "cheapest" or "best." We do not rank carriers or promise that any one option is the lowest-priced for you.

If you have questions about how we source, calculate, or present pricing data, or if you find an error in our published rates, contact us at privacy@floridacarinsuranceprices.com.

See our Editorial Policy for information about how we handle corrections and updates.