How we source Florida rate data

Our data source

All rate benchmarks shown on this site come directly from the Florida Office of Insurance Regulation (OIR) CHOICES Auto Rate Comparison Tool. The OIR is the state agency responsible for regulating insurance companies operating in Florida.

CHOICES (Consumers Helping Our Insurance Program Excel in Regulation) is a public tool that the OIR developed to help Florida consumers compare insurance rates. The auto rate comparison tool provides sample average rates based on the most recent rate filings approved by the Office.

The three predefined scenarios

The OIR CHOICES tool uses three specific driver profiles to illustrate how rates vary across Florida counties and insurance companies. We present all three scenarios without modification:

1. Senior Married Couple: A married couple, both over age 60, with clean driving records and two vehicles. This represents experienced drivers with established insurance history.
2. Single Female Driver: A single female driver, age 40, with a clean driving record and one vehicle. This represents a middle-aged driver with moderate coverage needs.
3. Family with Young Drivers: A household with four drivers including two teenagers (ages 17 and 19) and three vehicles. This represents the higher-risk profile of households with inexperienced drivers.

These scenarios were chosen by the OIR, not by us. They represent common household types but do not cover every possible driver situation.

Two coverage levels

For each scenario, the OIR tool provides rates for two distinct coverage packages:

PIP + PD (Minimum Coverage)

This is the minimum insurance required to register most personal vehicles in Florida: $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PD). This meets the legal requirement but does not cover damage to your own vehicle or higher liability claims.

All Coverages (Full Coverage)

This includes the minimum PIP and PD plus additional coverages: Bodily Injury Liability, Uninsured/Underinsured Motorist, Medical Payments, Collision, Comprehensive, Towing & Labor, and Rental Reimbursement. This represents more complete protection but at a higher premium.

What the benchmarks show

The rate benchmarks demonstrate several important patterns:

• Geographic variation: South Florida counties (Miami-Dade, Broward) consistently show higher rates than Central and North Florida counties.
• Driver age impact: Households with young drivers pay significantly more than experienced adult drivers.
• Coverage cost: Full coverage costs substantially more than minimum coverage across all scenarios.
• Relative differences: The rankings and relationships between counties tend to be consistent across scenarios.

Why your quote will differ

Your personal insurance quote will differ from these benchmarks because:

1. Your vehicles are different. The year, make, model, safety features, and repair costs of your specific vehicles affect your rate. A 2015 economy sedan costs less to insure than a 2024 luxury SUV.
2. Your driving history matters. Tickets, accidents, claims history, license suspensions, DUIs, and years of driving experience all influence your premium. The OIR scenarios assume clean driving records.
3. Your coverage choices vary. You choose your deductibles, liability limits, and optional coverages. Higher deductibles lower premiums; higher liability limits raise them.
4. Your exact location. The benchmarks show county-level rates, but insurers rate down to the ZIP code or even street address. Two homes 10 miles apart in the same county can have different rates.
5. Your credit score. In Florida, most insurers use credit-based insurance scores as a rating factor, which can significantly affect your premium.
6. Company-specific factors. Each insurer has its own rating algorithm, risk appetite, and competitive positioning. The same household can get very different quotes from different companies.
7. Available discounts. Multi-policy bundling, good student, defensive driving, paid-in-full, and other discounts can reduce your premium substantially.

Data verification requirements

Before any OIR CHOICES data is published as verified, our process requires:

1. Direct OIR tool access. Each scenario must be run through the live CHOICES tool at choices.floir.gov.
2. Documentation. Date, time, screenshots, and methodology for each data pull must be recorded.
3. Assumptions documented. Any calculations, averaging, or data transformations must be explicitly documented.
4. Quality review. Independent verification that the published data matches the OIR tool output.

Current status: Pending verification (placeholder data). This verification process is in progress. Until complete, all dollar amounts shown are placeholder examples only.

How we update this data

Insurance companies regularly file rate changes with the OIR, and the CHOICES tool reflects the most recently approved filings. We check for updates periodically and refresh our published benchmarks when material changes occur.

The current data on this site was captured in Pending verification (placeholder data). Florida has seen significant rate changes in recent years due to legislative reforms and market conditions, so data from previous years may not reflect current pricing.

How to use these benchmarks

These benchmarks are most useful for:

• Understanding how Florida car insurance rates vary by geography and driver profile
• Seeing the difference between minimum coverage and full coverage costs
• Getting a rough sense of whether your current premium is in the ballpark for your county and driver type
• Educating yourself before shopping for quotes

These benchmarks are not useful for:

• Predicting your actual insurance cost
• Comparing specific insurance companies
• Making coverage decisions without getting personal quotes
• Determining if you're overpaying without knowing your full situation

Our commitment

We do not invent rates or publish data without proper verification. Every rate benchmark will be sourced directly from the Florida OIR's public CHOICES tool and verified through the process described above before being published as actual OIR data. Until that verification is complete, any numbers shown are clearly labeled as placeholder examples.

When we say "illustrative," we mean it. These numbers provide context and education, but they are not predictions or guarantees. The only way to know your actual premium is to request quotes from licensed insurance providers based on your specific cars, drivers, coverage choices, and underwriting factors.