When deciding where to insure your car, cost is a major factor. Texas and Florida are two large states with many drivers, but how do their car insurance costs compare?
Car Insurance Costs in Texas
In 2025, the average annual full coverage premium in Texas is around $2,600, which breaks down to about $217 per month. Texas offers relatively affordable insurance compared to the national average, but rates have been rising recently due to factors like increased accidents and repair costs.
Car Insurance Costs in Florida
Florida tends to have higher car insurance premiums. The average annual full coverage premium is approximately $3,200 or about $267 per month. Florida’s higher rates are due to factors such as more frequent weather-related claims, higher accident rates, and a large number of uninsured drivers.
Why Is Florida More Expensive?
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Weather Risks: Hurricanes and floods lead to more claims.
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Traffic and Accidents: Florida has dense traffic and a higher rate of collisions.
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Uninsured Drivers: Florida has one of the highest percentages of uninsured motorists.
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Legal Environment: More lawsuits and claims inflate costs.
Conclusion
Overall, it’s generally cheaper to insure a car in Texas than in Florida. However, your personal premium depends on your driving record, location within the state, and the insurer you choose.