PremiumTally

Price index as of June 2026

Published car-insurance premium data for Florida

$377–$10,620range of median filed annual premiums across the 198 combinations FLOIR publishes

The lowest single filed rate anywhere in this survey is $149 and the highest is $39,677 — 266.3× apart, for defined hypothetical drivers.

Florida Office of Insurance Regulation · rates-effective date not published by the source. The Florida Office of Insurance Regulation describes the data only as reflecting “the most recent rate filings approved by the Office”. · annual premiums · 4,092 filed rates · retrieved 9 August 2026 · source document

This source publishes no rates-effective date

not published by the source. The Florida Office of Insurance Regulation describes the data only as reflecting “the most recent rate filings approved by the Office”. We record the date we retrieved it — 9 August 2026 — as a separate field, and no page on this site presents that retrieval date where a rates date belongs.

Driver profiles published
6
Counties published
33
Filed rates behind these pages
4,092
Policy term
annual

What FLOIR publishes, and why it looks like this

The Florida Office of Insurance Regulation publishes county-level sample premiums for a small set of household profiles through a public comparison service. The coverage basis reflects Florida’s unusual statutory requirement, which mandates property damage and personal-injury protection but no bodily-injury cover.

This source publishes no rates-effective date anywhere — not in the tool, not in its responses, not in its own documentation. It describes the data only as reflecting the most recent rate filings approved by the office. Under this site’s freshness rule an undated figure cannot carry a freshness stamp, so these pages carry no year in their titles and show the date we retrieved the data as a separate, clearly labelled field.

What these figures are, and what they are not

Each figure is computed from the premiums insurers filed with Florida Office of Insurance Regulation for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.

FLOIR publishes two rate columns for each example driver — a PIP + property-damage column and an all-coverages column. They are separate published figures for the same driver and are never combined. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.

Every county FLOIR publishes

One page per county. The median range describes the spread across that page’s own published combinations; it is not an average.
CountyCombinationsLowest filedMedian rangeHighest filed
Miami-Dade County6$278$612–$10,328$31,335
Broward County6$235$579–$10,620$30,292
Palm Beach County6$214$573–$10,119$34,295
Hillsborough County6$213$587–$10,283$39,677
Orange County6$194$497–$8,361$28,127
Duval County6$185$507–$8,602$22,981
Pinellas County6$196$511–$9,179$31,443
Lee County6$165$478–$7,441$25,136
Polk County6$184$507–$8,476$27,864
Pasco County6$198$548–$9,739$30,782
Brevard County6$162$430–$7,564$28,207
Volusia County6$162$441–$7,508$25,104
Seminole County6$186$506–$8,164$25,761
Sarasota County6$160$411–$7,082$22,257
Osceola County6$194$520–$8,974$25,507
Manatee County6$175$454–$7,938$25,829
Lake County6$152$414–$7,387$24,735
Marion County6$152$454–$7,687$26,587
Collier County6$161$417–$7,193$28,615
St. Lucie County6$178$488–$8,226$24,529
St. Johns County6$160$396–$7,266$21,049
Escambia County6$175$449–$7,714$31,661
Leon County6$160$419–$7,244$29,198
Alachua County6$163$432–$7,121$23,231
Clay County6$185$449–$7,758$21,547
Okaloosa County6$174$377–$7,314$23,991
Hernando County6$187$493–$8,675$31,313
Charlotte County6$158$414–$7,103$22,501
Santa Rosa County6$176$396–$7,405$26,463
Bay County6$174$415–$7,014$29,955
Indian River County6$149$386–$7,372$22,033
Citrus County6$163$444–$7,367$25,884
Martin County6$186$420–$7,669$23,022

The other dimension of this survey

FLOIR rates 6 driver profiles as well. Every one of them appears on the pages above, as a row inside each county page. The transposed pages — one page per driver profile, carrying every county — are a later batch, and are named here rather than linked because they do not exist yet.

  • Senior Married Couple — PIP + PD 1
  • Senior Married Couple — All Coverages 2
  • Single Female — PIP + PD 1
  • Single Female — All Coverages 2
  • Family with Young Drivers — PIP + PD 1
  • Family with Young Drivers — All Coverages 2

What Florida requires by statute

These filed rates are for the coverage the survey defines, which is not the same thing as the state’s legal minimum. Car-insurance requirements in Florida sets out what the statute obliges a driver to carry, with the citation and the effective date.

Questions about this data

Are these car-insurance quotes for Florida?
No. They are rates insurers filed with Florida Office of Insurance Regulation for driver profiles the regulator defined. They are not offers and not what any individual pays.
Why is there no single average figure for Florida?
Because a single figure hides the spread, and the spread is the finding. Across this survey the lowest filed rate is $149 and the highest is $39,677, both for defined hypothetical drivers.
Are these annual premiums?
Florida Office of Insurance Regulation publishes annual premiums. This site never converts between the two terms and never places one state's figures beside another's.

Source: Florida Office of Insurance Regulation, no rates-effective date published. Retrieved 9 August 2026. 4,092 filed rates aggregated into 198 published distributions; no per-insurer figure is stored or shown.