Question 1

What is the average auto insurance cost in Florida?

Accepted Answer

The median 6-month auto insurance premium in Florida is $1,322. Premiums range from $793 to $2,056 depending on carrier, ZIP code, and coverage level. That's a 2.6x spread between the cheapest and most expensive areas.

Question 2

Which carrier is cheapest in Florida?

Accepted Answer

USAA has the lowest median premium in Florida at $906/6mo. It's the #1 cheapest option in 1,473 ZIP codes (100% of the state). However, the cheapest carrier varies by ZIP code — compare all 13 carriers to find the best rate in your area.

Question 3

What are the most expensive ZIP codes in Florida?

Accepted Answer

The most expensive ZIP codes in Florida are 33199 (Miami, $1,662/6mo), 33198 (Miami, $1,662/6mo), 33197 (Miami, $1,662/6mo). Urban areas and regions with higher accident rates tend to have the highest premiums.

Question 4

How many carriers does TrueFactor track in Florida?

Accepted Answer

TrueFactor tracks 13 auto insurance carriers across 1,473 ZIP codes in Florida. All data is sourced from SERFF regulatory rate filings — the official rate structures filed with the Florida Department of Insurance. Data covers filings from 2019 to present and is updated within days of regulatory approval.

Question 5

Why is auto insurance so expensive in some parts of Florida?

Accepted Answer

Auto insurance premiums in Florida vary by up to 2.6x between ZIP codes — from $793 to $2,056 per 6-month term. This variation is driven by territorial rating factors in each carrier's SERFF filing, which reflect local accident frequency, claim severity, theft rates, and repair costs. The most expensive ZIP code is 33199 (Miami) at $1,662/6mo. Urban and high-density areas consistently have higher filed rates due to greater accident frequency.

#	Carrier	Median 6-Mo	#1 Cheapest In	% of ZIPs
1	USAA	$906	1,473 ZIPs	100%
2	State Farm	$1,158	0 ZIPs	0%
3	Auto-Owners	$1,161	0 ZIPs	0%
4	GEICO	$1,258	0 ZIPs	0%
5	Auto Club (AAA)	$1,264	0 ZIPs	0%
6	Amica Mutual	$1,316	0 ZIPs	0%
7	Progressive	$1,322	0 ZIPs	0%
8	The Hartford	$1,354	0 ZIPs	0%
9	Farmers	$1,358	0 ZIPs	0%
10	Nationwide	$1,419	0 ZIPs	0%
11	Travelers	$1,445	0 ZIPs	0%
12	Liberty Mutual	$1,484	0 ZIPs	0%
13	Allstate	$1,636	0 ZIPs	0%

City	Avg Median	ZIPs
Naples	$793	17
Bonita Springs	$793	4
Copeland	$793	1
Chokoloskee	$793	1
Everglades City	$793	1

City	Avg Median	ZIPs
North Miami Beach	$1,662	1
Key Biscayne	$1,662	1
Coral Gables	$1,662	1
South Bay	$1,614	1
Palm Beach	$1,614	1

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