Quality of Life
California vs Florida: Car Insurance Cost
California has cheaper average full coverage car insurance than Florida by $839.
National Rankings
Where They Rank Nationally
See where both states fall among all 50 states for car insurance cost.
California
#44 · $2,567/yr
Florida
#48 · $3,406/yr
Best
Worst
10 Best States — Car Insurance Cost
Lower is better
#1
Vermont
$1,212/yr
Vermont
#2
Maine
$1,251/yr
Maine
#3
Idaho
$1,262/yr
Idaho
#4
Ohio
$1,308/yr
Ohio
#5
Iowa
$1,409/yr
Iowa
#6
Indiana
$1,432/yr
Indiana
#7
Hawaii
$1,434/yr
Hawaii
#8
North Carolina
$1,454/yr
North Carolina
#9
Wisconsin
$1,457/yr
Wisconsin
#10
New Hampshire
$1,510/yr
New Hampshire
Selected states
#44
California
$2,567/yr
California
#48
Florida
$3,406/yr
Florida
California ranks 44th and Florida ranks 48th nationally for car insurance cost.
What this means
California vs Florida: Car Insurance Cost in context
California's car insurance cost is $2,567/yr, compared with $3,406/yr in Florida. Average annual full coverage car insurance premium (WalletHub 2026).
California
$2,567/yr
Florida
$3,406/yr
Difference
$839
People also ask
California vs Florida Car Insurance Cost — common questions
QWhat is California's car insurance cost?
California's car insurance cost is $2,567/yr.
QWhat is Florida's car insurance cost?
Florida's car insurance cost is $3,406/yr.
QWhich state has a lower car insurance cost — California or Florida?
California has cheaper average full coverage car insurance than Florida by $839.
More comparisons: California vs Florida
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Data source and freshness
Primary source
Data period
2026 comparison
Dataset reviewed
July 23, 2026
Method note
Illustrative full-coverage premium; individual quotes vary.