Florida car insurance rates by county
Compare illustrative rate benchmarks from the Florida Office of Insurance Regulation CHOICES tool. These sample averages show how rates vary by county for three predefined driver scenarios.
PLACEHOLDER DATA - NOT VERIFIED OIR RATES
The dollar amounts shown below are example figures for illustration purposes only. They have not been verified as actual OIR CHOICES data pulls. Do not rely on these numbers for rate estimates. Real verified OIR data will replace these placeholders once proper verification is complete.
These are illustrative benchmarks only
Data source status: Pending verification (placeholder data). Your actual premium will differ based on your specific cars, drivers, coverage choices, and garaging location. Contact a licensed insurance provider for a personal quote.
Three OIR benchmark scenarios
The OIR CHOICES tool provides sample rates for these predefined driver profiles across Florida counties. Each scenario includes both minimum coverage (PIP + PD) and full coverage options.
Senior Married Couple
Married couple, both age 60+, with clean driving records
- Drivers:
- Two drivers, ages 60 and 62, both with clean driving records
- Vehicles:
- Two vehicles: 2020 Honda Accord and 2019 Toyota Camry
| County | PIP + PD(Annual) | All Coverages(Annual) |
|---|---|---|
| Miami-Dade | $2,847 | $4,293 |
| Broward | $2,654 | $3,987 |
| Hillsborough | $2,198 | $3,312 |
| Orange | $2,089 | $3,147 |
| Duval | $1,876 | $2,823 |
Single Female Driver
Single female driver, age 40, with clean driving record
- Driver:
- One driver, age 40, female, clean driving record
- Vehicle:
- One vehicle: 2021 Honda CR-V
| County | PIP + PD(Annual) | All Coverages(Annual) |
|---|---|---|
| Miami-Dade | $1,982 | $2,987 |
| Broward | $1,847 | $2,776 |
| Hillsborough | $1,532 | $2,304 |
| Orange | $1,454 | $2,189 |
| Duval | $1,306 | $1,964 |
Family with Young Drivers
Family with teenage drivers and multiple vehicles
- Drivers:
- Four drivers: two adults (ages 45 and 47) and two young drivers (ages 17 and 19)
- Vehicles:
- Three vehicles: 2019 Toyota RAV4, 2022 Honda Civic, 2015 Ford F-150
| County | PIP + PD(Annual) | All Coverages(Annual) |
|---|---|---|
| Miami-Dade | $6,847 | $10,319 |
| Broward | $6,387 | $9,621 |
| Hillsborough | $5,298 | $7,979 |
| Orange | $5,032 | $7,579 |
| Duval | $4,521 | $6,809 |
Understanding the coverage levels
PIP + PD (Minimum Coverage)
Florida minimum required to register most personal vehicles
- •$10,000 Personal Injury Protection (PIP)
- •$10,000 Property Damage Liability (PD)
All Coverages (Full Coverage)
Comprehensive protection beyond state minimums
- •PIP and Property Damage (minimum)
- •Bodily Injury Liability
- •Uninsured/Underinsured Motorist
- •Medical Payments
- •Collision
- •Comprehensive
- •Towing & Labor
- •Rental Reimbursement
What these benchmarks show
County matters significantly. Miami-Dade and Broward counties consistently show higher rates than Central and North Florida counties like Orange and Duval. Where your car is garaged affects your premium.
Young drivers increase premiums substantially. The family scenario with teenage drivers shows rates roughly 2-3 times higher than the single female driver and senior couple scenarios, reflecting the higher risk profile of young, inexperienced drivers.
Full coverage costs significantly more. "All Coverages" premiums are approximately 50-60% higher than minimum PIP + PD coverage, as they include collision, comprehensive, and higher liability limits.
These are averages only. Your actual premium depends on your specific vehicles, driving history, coverage choices, deductibles, and insurer. Individual quotes can vary significantly from these benchmarks.
Get a quote for your situation
These benchmarks provide context, but your personal rate depends on your specific cars, drivers, and coverage needs. Start a quote request with your ZIP code to get accurate pricing.
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Florida Car Insurance Prices
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