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TrueDriveCost

Average car insurance cost in Florida

Drivers in Florida pay about $3,732 a year for full-coverage car insurance on average. Your own rate depends on your car, driving record, coverage limits and ZIP code — but the state average sets the baseline, and it feeds directly into the real cost of owning a car here.

Fold it into your total cost to own

The calculator below starts with Florida’s average insurance and taxes. Adjust the car and your mileage to see your five-year cost.

The car & the loan
$
$
$
%
%
months
yrs
Running costs
MPG
$/gal
$
$
$

5-year true cost to own

$70,863

$14,173 per year · $1.05 per mile

Per month

$1,181

Loan payment

$961

Resale value

$26,950

Depreciation

$22,050

Amount financed

$47,940

Total miles

67,500

Where your money goes over the years

  • Depreciation$22,050 · 31%
  • Fuel / energy$10,004 · 14%
  • Insurance$18,660 · 26%
  • Maintenance & repairs$6,000 · 8%
  • Loan interest$9,697 · 14%
  • Taxes & fees$4,451 · 6%

Defaults use national averages (AAA, EIA, FHWA); change any field to match your situation. Depreciation is an estimate — a specific model can hold value better or worse.

The numbers behind this estimate

Sourced figures last verified 2026-11-07
FigureValueSource · verified
Sales tax on vehiclesCombined avg ~6.98% (county discretionary surtax).6%Tax Foundation — State & Local Sales Tax Rates, Midyear 2026 · 2026-07-06
Avg. full-coverage insurance$3,732/yrValuePenguin — Car Insurance Rates by State 2026 · 2026-07-08
Registration feePARTIAL: $225 initial reg fee + new-vehicle title. Annual weight tax not yet verified.$302FLHSMV — Fees · 2026-11-07

Car insurance cost by state