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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida, including from our Central Florida office in Orlando. Our dedicated experienced personal injury attorneys handle a range of legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

The Trial Pro, P.A. attorneys, carry more than a century of collective legal experience and decades of working together as a team. We have represented hundreds if not thousands of people who have been injured due to car accidents, slip-and-fall, worker's compensation cases, and more. One thing that is clear to us is the essence of partnership. Without it, Trial Pro, P.A. could not be as effective in attaining success for our clients.

What Is The Average Cost Of Car Insurance In Florida?

Frequently Asked Questions - What Is The Average Cost Of Car Insurance In Florida?

Automobile insurance is a major budget expense to anyone owning a vehicle anywhere in the United States.  Policy costs obviously differ from state to state due to each individual state’s requirements and other factors.

Ensuring one’s car, truck, or SUV in the State of Florida does not come cheap.  In fact, according to one study, Florida is on the list of the ten states with the highest annual premiums.  For the year 2020, the study ranks Florida as number six on that list, coming down from a prior ranking at number three.  Perhaps it is due to these relatively high premium costs that Florida also has a higher than average uninsured motorist population.  At any rate, when one considers that alarming fact and then factors in the state’s damaging storms, older drivers, mandatory no-fault coverage, etc., it is almost to be expected that Florida’s 2020 average annual premium, $2,178.00, is substantially higher than the average for the United States as a whole.

That being said, there are a number of other elements that are considered in auto insurance coverage pricing. Insurance companies consider an applicant’s age and driving history (prior accidents, claims, and so forth).  They even check your credit report.  It matters to them if you are married or not, and even the fact that you are a man or a woman will likely affect your rates.  Let’s discuss those considerations, along with a few others, to see just how lifestyle and life events and impact your automobile insurance costs over your lifetime.

To begin, it is no surprise to anyone that younger drivers pay higher premiums.  Everyone basically expects Sissy or Junior to drive a bit more recklessly than Mom or Dad, and very often that turns out to be the case due to a sudden sense of vehicular freedom and a less than a mature grasp of the realities of traffic responsibility.  In Florida, the younger drivers, male or female, pay an average premium of about $5,983.00.  But as the years go by and the kids get out of college or trade school, the premiums tend to go down.  Florida’s current average annual premiums for drivers in their thirties through the sixties are less than two thousand dollars.   Interestingly enough, age bias kicks in at about age 70, when many older drivers start to experience significant medical problems or vision issues, and the premiums begin to go back up to over two thousand dollars.

Even though younger male drivers pay a higher average premium than their older male counterparts, it is women drivers who usually get charged slightly more for coverage than men do throughout their driving career.  Just saying the old phrase “woman driver” (usually while rolling one’s eyes) brings to mind the stereotype of the flustered and incompetent woman behind the wheel panicking as her car rear-ends the Bentley ahead of her.  Sexual equality or not, the fact is that women drivers in Florida usually pay about thirty-four dollars more than men annually.

Likewise, you may think that it should not matter if a driver is married or not, but that little fact can certainly impact the calculation of the premium.  In Florida, a married driver currently saves more than seventy dollars per year on the premium.  That is higher than the national average, which is good news, and perhaps somewhat of an incentive to tie the knot.

Speaking of lifestyles, did you realize that often an insurance company will adjust your premium cost based on whether you own your own home or rent from someone else?  The rate difference isn’t much – about five dollars – but seemingly the insurance company believes that a homeowner is, much like a married man or woman versus a single, more grounded and thus more dependable, at least financially.

And very often insurance companies will also take your level of education into consideration when setting premiums.  Education is not one of the major markers, but, if you have earned a high school diploma but gone no further with formal education, you will most likely be charged a little over two hundred dollars while a driver who has completed a Bachelor’s Degree will pay a few dollars less.

Another very important factor that contributes to premium cost is, of course, the types of coverages that you choose to add to your policy.  For example, the current Florida average annual premium for Bodily Injury/Property Damage coverage at $100K/$300K/$100K (comprehensive/collision) is slightly less than two thousand dollars.  Lower the coverage, and the premium goes down accordingly.  It is crucial that you determine the levels of coverage that you currently require, both mandatory and optional, and shop around to find the best premium to purchase that level of coverage.

It may seem odd to you that automobile insurance companies consider a driver’s credit history when setting premium costs.  What the companies use the credit report evaluation for is to gauge a client’s probability of promptly paying the premiums going forward.  The theory is that drivers with better credit histories will pay their premiums fully and on time.  Also, studies reflect that this type of driver tends to file fewer claims which is, of course, better for the insurance company’s bottom line.  In Florida, a very low credit score currently earns an annual premium of over three thousand dollars, while an exemplary score is assigned a premium of about half as much.

Lastly, as we all know, being on the road can be risky for even the very best driver.  Accidents happen.  And, if the accident turns out to be your fault, the premiums on your policy are almost certain to go up at the discretion of your insurance company.  One way to avoid this is to drive dependably and defensively and to obviously avoid driving under the influence.  But, should you be convicted of irresponsible driving, (speeding, reckless driving, and so forth), your Florida premium will increase by an average of two to just under three thousand dollars, depending on your policy.

So, as you can see, calculating the average annual premium on a Florida automobile insurance policy depends on a number of factors.  Florida’s insurance costs are higher than a number of other states but thankfully not as high as others, and the best way to tailor a policy that fits your needs and also your budget is to gather your information and compare rates.



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With more than a century of collective legal experience and a commitment to hard work, excellence, and integrity, we have recovered millions of dollars in damages on behalf of our clients.
Our goal is to enable our clients to sit back and focus on their recovery, knowing that the team at Trial Pro, P.A. has the experience and resources to effectively handle all of the legal details involved in their case.

Personal Injury Law

We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively.

Car Accident Attorneys

Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations.

Slip and Fall Accidents

Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.

What Our Clients Say

What Our Clients Say About Our Personal Injury Attorneys

"From the beginning we knew we were in good hands."
Clarence,
Personal Injury Case
Trial Pro got me $491,000
"I wouldn't be where I am today without Trial Pro."
Clarence,
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Trial Pro got me $998,000
"Trial Pro satisfied client 2021"
Client,
Car Accident Case
Trial Pro got me $1,900,000
"We are really glad that we choose you guys to represent us."
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Trial Pro got me $1,000,000
"Trial Pro makes sure you get what you deserve."
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Trial Pro got me $795,000
"Trial Pro satisfied client 2021"
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Trial Pro got me $1,510,000
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Trial Pro got me $810,000

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Our goal is to make the process as easy as possible for you. You don't even have to come into our office if you cannot travel or adjust your schedule to make it to us. We're more than happy to come to you!

In addition to traveling directly to our clients, the team at Trial Pro, P.A. also pledges to provide clear advice and regular client communication. We know how vital regular contact with our clients is - we never leave you hanging or delay our responses. 

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Orlando Personal Injury Attorneys

After experiencing an automobile accident, the last thing you desire is to have an attorney at hand that doesn’t know how to represent you adequately. You want a reputable law firm that will.

Serious Representation
We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively. 
Unmatched Case Results
Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury legal attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations. 
Committed to Our Clients
It would help if you didn't have to beg for a call back from your attorney. It would be best if you didn't have to beg for an update on your case. At Trial Pro, P.A., we don't operate in that manner. We constantly call our clients to give them updates on their claims. If we miss a call, we promise always to return it.
Compassionate In & Out of Court
Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.

Pursuing Client Victories

Based in Florida, Trial Pro, P.A. represents clients across Florida from our offices in Miami, Orlando, Ft. Myers, Naples, Delray Beach, Jacksonville, and Daytona Beach. We are dedicated to fully serving you to every degree. We vow to make the entire process of working with us as easy and as stress-free as possible. Therefore, we are more than happy to meet with you at your home, place of employment, hospital room, or other business that you find more convenient. You are always welcome to come into our office as well.

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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida. Our dedicated, experienced personal injury attorneys handle various legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.


Trial Pro P.A. Orlando Office

  (407) 300-0000

 250 N Orange Ave 14th Floor
Orlando, FL 32801


Trial Pro P.A. Tampa Office

  (813) 522-5444

 1000 N. Ashley Drive, Suite 512
Tampa, FL, 33602


Trial Pro P.A. Naples Office

  (239) 300-0000

 870 111th Ave N #1
Naples, FL 34108


Trial Pro P.A. Fort Myers Office

  (239) 400-5000

 9341 Marketplace Rd
Fort Myers, FL 33912


Trial Pro P.A. Melbourne Office

  (321) 586-2088

 2551 W. Eau Gallie Blvd., Suite 102
Melbourne, FL, 32935

Contact Info

250 N Orange Ave, 14th Floor

Orlando, FL 32801

help@trialpro.com

(407) 300-0000


Our law firm fights aggressively -- always determined to win your case. 

Trial Pro, P.A. Car Accident Attorneys

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The information on this website is for general information purposes only. The Information presented at this site should not be construed as formal legal advice nor the formation of an attorney-client relationship. For medical advice and treatment, you should contact a licensed medical professional.