Florida's most expensive insurance market; no-fault state with high litigation rates.
According to the NAIC Auto Insurance Database Report (2022 data), the statewide average auto insurance expenditure per insured vehicle in Florida was approximately $1,561/year. This is a state-level average — not a city-specific figure. Source: NAIC Auto Insurance Database Report (naic.org).
Florida Department of Financial Services / OIR — licenses carriers and agents in Florida, reviews rate filings, and handles consumer complaints.
Florida Department of Financial Services / OIR — official site
Verify carrier licenses and complaint data nationally at naic.org/cis (NAIC Consumer Information Source).
Florida is a no-fault state. Personal Injury Protection (PIP) coverage is mandatory — your own PIP pays your medical costs regardless of fault.
We've ranked auto insurance carriers for 2026 against ClearValue's published methodology.
See best auto insurance companies 2026 — editorial picks