Florida is one of the most expensive states in the nation for car insurance, second only to Louisiana. According to NerdWallet’s analysis, the average cost of full coverage car insurance in Florida is $2,781 per year, or about $232 per month, for a 35-year-old driver with good credit and a clean driving history. Meanwhile, the average cost of a minimum coverage policy is $1,086 per year, or about $91 per month.

The cost of car insurance in Florida will vary for each driver, since factors like age, the insurance company writing the policy and whether a driver has had a recent violation all affect how much someone pays for insurance.

Read on for NerdWallet’s analysis of Florida car insurance costs.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Florida where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Out of the six Florida companies analyzed, State Farm emerged as the cheapest company overall for full coverage. It has an average annual rate of $1,973, or $164 per month, for a 35-year-old driver with good credit and a clean driving record. It was also the only company with an average full coverage rate under $2,000 per year.

Meanwhile, Geico is the cheapest option for minimum coverage, with an average rate of $717 per year, or about $60 per month. 

Take a look at the average costs for all companies analyzed in the table below, sorted from lowest to highest based on average full coverage cost.

» MORE: Cheap car insurance in Florida

Age plays a big role in determining how much a driver will pay for car insurance in Florida. Typically, the younger the driver, the more expensive the car insurance policy. 

According to our analysis, the cost of car insurance in Florida drops more than 40% from age 20 to age 30. But rates tend to remain somewhat level after age 30, with only a slight decline in price as age increases.

Below are the average costs of car insurance in Florida, by age, for both full and minimum coverage.

» MORE: The best car insurance in Florida

Driving history is one of the most important factors in determining the cost of car insurance. According to our analysis, a driver in Florida with a spotless driving history pays almost $600 less, on average, for full coverage car insurance than someone with a recent speeding ticket. And that difference continues to grow when comparing average rates for drivers with a DUI or recent accident.

Here are the average annual Florida car insurance costs for both full and minimum coverage based on driving history.

» MORE: How much does car insurance go up after an accident?

Insurers in Florida use a credit-based insurance score to price rates. Drivers with good and excellent credit can expect to pay much less for car insurance, on average, than a driver with poor credit. Our analysis found that drivers with poor credit pay an average of 62% more for full coverage car insurance than those with good credit.

The average cost of car insurance in Florida for a driver with good credit is $2,781 per year for full coverage, or about $232 per month.

Check out the table below to see how Florida car insurance costs differ based on credit history.