Cheapest Cars to Insure in Florida (2025): Affordable Models & Insurance Costs

Florida car insurance rates are… well, high. 

The average driver pays around $2,700 a year for full coverage, which is several hundred above the national average. And that’s just the starting point. If you’re in Miami, you’re probably closer to $3,500 per year, while drivers in quieter places like Tallahassee might see something closer to $1,800.

So, what’s the difference? Beyond your driving record, the car you choose plays a big role. Insurers price policies based on things like safety ratings, repair costs, and theft risk. A reliable small SUV might be a bargain to insure, while a flashy sports coupe could quietly drain your wallet.

If you’re shopping for a new (or even a used) car, picking one that’s cheaper to insure can save you hundreds each year—without you having to do much else.

(And if you want more than just car suggestions, check out our guide on how to lower your car insurance premium for broader strategies.)

Why the car you drive matters

It’s not just about horsepower or brand names. Insurers look at a car’s entire “risk profile.” How well does it hold up in crashes? Are parts expensive or easy to find? Is the car a common theft target?

Vehicles like minivans and compact SUVs often sit at the top of the low-cost list. They’re seen as safer, cheaper to repair, and usually driven by people who aren’t racing at every green light. On the other hand, performance-focused or luxury models tend to cost more to insure, simply because repairs are expensive and accident risks are higher.

Even for minimum coverage, the type of vehicle matters. Trucks, for example, can sometimes be the cheapest in Florida; averaging around $1,100/year for basic coverage, compared to sedans or crossovers which hover higher. Part of that is due to lower damage costs on smaller claims.

Of course, personal factors like your driving history and ZIP code will always influence your final rate. But starting with a low-risk vehicle puts you in a stronger position from day one.

10 cars with the lowest insurance costs in florida

Recent 2025 data shows these cars have some of the most affordable premiums for full coverage in the state (based on a six-month policy with 100/300/100 coverage and a $500 deductible):

• Chrysler Voyager (minivan) – About $1,192 for six months. Family-friendly, safe, and inexpensive to fix.
• Subaru Forester (compact SUV) – Around $1,218. A small SUV with excellent safety ratings.
• Mini Cooper Countryman JCW (subcompact SUV) – Roughly $1,231. Sporty name, but still cheap to cover.
• Mazda MX-5 Miata (sports car) – About $1,236. One of the only sports cars that doesn’t spike your rates.
• Volkswagen Tiguan (compact SUV) – Around $1,260. Practical, safe, and easy to repair.
• Subaru Outback (wagon/SUV) – Roughly $1,264. Longtime favorite for its safety record.
• Honda HR-V (subcompact SUV) – About $1,276. Reliable, affordable, and easy on insurance premiums.
• Ford Ranger (midsize truck) – Around $1,277. Trucks often come out ahead on coverage costs.
• Subaru Crosstrek (subcompact SUV) – Roughly $1,277. Solid all-wheel-drive system and low theft rates.
• Honda CR-V (compact SUV) – About $1,283. Popular, safe, and consistently inexpensive to insure.

Notice a trend? Small SUVs dominate this list, with just one minivan, one pickup, and one roadster breaking in. These vehicles tend to have strong safety features, lower accident payouts, and predictable repair costs—everything insurers like to see.

Affordable sedans, hybrids, and EVs

Not an SUV person? Sedans and eco-friendly cars can still keep your premiums low if you choose wisely.

• Sedans: The Subaru Legacy is one of the cheapest sedans to insure in Florida, averaging about $1,321 for six months. The Volkswagen Jetta ($1,407) and Honda Civic ($1,433) are also solid, affordable picks.
• Hybrids: Hybrids can be a bit pricier to insure due to their complex components, but models like the Kia Niro Hybrid($2,128/year) and Ford Escape Hybrid ($2,163/year) offer some of the best value nationally. Older hybrids (especially those with lower replacement values) can come out even cheaper.
• Electric vehicles (EVs): EV insurance in Florida can be high (around $3,500/year), but not all models break the bank. The Mini Cooper Electric($1,370 per six months) and VW ID.4 ($1,421 per six months) are among the cheaper options if you’re going electric.

Final thoughts

If you want to keep your insurance bill under control, the car you drive matters almost as much as your driving record. A Honda CR-V or Subaru Forester might not be flashy, but year after year, they’ll cost less to cover than most sporty or luxury cars.

Used vehicles are another angle worth considering. A 5-year-old CR-V or Outback can cost significantly less to insure simply because its value is lower, while still offering the same safety features.

Still, the car is just one piece of the puzzle. It’s always smart to compare rates regularly. Sometimes the same car is $300 cheaper to insure with a different company. You can check current rates here in a few minutes to see how these models stack up for you.

Driving a vehicle known for low premiums won’t solve everything, but it’s a simple win. Pair that with safe driving and smart coverage choices, and you’ll have a clear path to saving on your Florida auto insurance.