The city in Florida with the least expensive auto insurance premiums is Gainesville, which has an average annual premium of $1,782 per year. By comparison, the average cost of car insurance in Florida overall is $2,564 per year.
Cheapest Cities for Car Insurance in Florida
- Gainesville: $1,782 per year
- Callaway: $1,804 per year
- Naples: $1,882 per year
- Ocala: $1,916 per year
Some cities in Florida have cheaper car insurance premiums than others because insurance companies take a driver's ZIP code into account when calculating their premium, alongside other factors. For example, drivers who live in dense urban areas typically pay more for coverage than drivers in rural areas because they're more likely to get into an accident. And if an area has a particularly high theft rate, car insurance may be more expensive due to the risk of vehicles being stolen.
To learn more, check out WalletHub's guide to the cheapest car insurance in Florida.
This answer was first published on 06/22/23 and it was last updated on 01/29/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
