In Which Florida Cities Do Drivers Pay the Most, Least for Auto Insurance?

County-by-County Analysis Examines Premium Costs Across the State—

AUSTIN, TEXAS (July 6, 2017)—Note to Florida drivers: In the Sunshine State, not all auto insurance policies are created equal! A recent study from assessed the average cost of premiums in 409 Florida cities and 67 counties statewide, finding significant variation between regions.


In Florida, which ranks as the 6th most expensive state for car insurance, the average annual cost of an auto policy is $1,546. But, depending on where you live, the cost can end up being much higher or lower.

“Geography and population density play an important role in determining what Floridians pay for auto insurance,” said Laura Adams, senior insurance analyst at insuranceQuotes. “Living in more densely populated areas comes with a higher likelihood of accidents because there are more drivers on the road—which in turn drives up insurance rates.”


The following cities, on average, have the most expensive annual auto insurance rates in the state:

  1. Hialeah – $2,719; 76% above the state average
  2. Opa Locka – $2,597; 68% above the state average
  3. Miami – $2,497; 62% above the state average
  4. Miami Gardens – $2,480; 60% above the state average
  5. Homestead – $2,314; 50% above the state average


Meanwhile, the following five cities have the least expensive:

  1. Waldo – $1,169; 24% below the state average
  2. Alachua – $1,171; 24% below the state average
  3. Gainesville – $1,174; 24% below the state average
  4. Earlton – $1,175; 24% below the state average
  5. Newberry – $1,177; 24% below the state average


The study also ranked policy costs by county, finding that Miami-Dade was the most expensive, with an average annual cost of $2,457, i.e. 58.9% above the state average—and that Alachua was the least expensive county, with an average annual cost of $1,177, i.e. 23.9% below the state average.

The full report—which includes comprehensive city-by-city and county-by-county rankings—is available at   

insuranceQuotes commissioned Quadrant Information Services to examine the average cost of auto insurance premiums in 409 Florida cities. Using a hypothetical 40-year-old female driver with a clean driving record and no prior claims, the study also examined the average cost of auto insurance in all 67 counties statewide.


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