Auto insurance premiums in Florida are expected to decline slightly in 2026, but drivers will continue to face some of the highest costs in the nation. According to ValuePenguin’s State of Auto Insurance 2026 report, Florida insurers are lowering rates by an average of 2.81% this year, following sharp increases from 2022 through 2025. Even with the decrease, the average cost of full-coverage auto insurance in Florida is projected to reach $311 per month, ranking third highest in the country and about 50% above the national average of $208. Nationally, rates are expected to rise just 0.67% in 2026, the smallest year-over-year increase since before inflation drove premiums sharply higher.
Florida auto insurance dips in 2026, still third highest
Florida drivers are seeing modest relief on auto insurance rates in 2026, though premiums remain well above the national average.
(0) comments
Welcome to the discussion.
Log In
Keep it Clean. Please avoid obscene, vulgar, lewd, racist or sexually-oriented language.
PLEASE TURN OFF YOUR CAPS LOCK.
Don't Threaten. Threats of harming another person will not be tolerated.
Be Truthful. Don't knowingly lie about anyone or anything.
Be Nice. No racism, sexism or any sort of -ism that is degrading to another person.
Be Proactive. Use the 'Report' link on each comment to let us know of abusive posts.
Share with Us. We'd love to hear eyewitness accounts, the history behind an article.