Floridians are paying an average of $3,941 per year for a full coverage auto insurance policy, the highest average rate in the U.S., according to new data from the Insurance Information Institute. The industry association, which exists to improve public understanding of insurance, states Florida’s average rate is 55% higher than the national average of just more than $2,500 per year. One of the biggest reasons for the hike is Hurricane Ian, which caused more than $100 billion in damages and destroyed nearly 100,000 vehicles. Severe accidents, excessive lawsuits, uninsured drivers and storm damages are also to blame for the rising costs.