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Florida ranks in the top 10 most expensive for car insurance. What drivers are paying

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Florida ranks in the top 10 most expensive for car insurance. What drivers are paying


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Floridians don’t just pay some of the highest insurance rates in the nation to insure their homes. The cost for car insurance in Florida is priced well over the national average as well.

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Financial information company MarketWatch completed 800 hours of research, reviewed 45 car insurance companies and surveyed 8,500 car insurance consumers to create a guide to the best car insurance companies by state, age, driving record and credit score.

According to MarketWatch’s car insurance guide, Florida ranks in the top three states where care insurance costs the most. 

Here’s where Florida ranks in car insurance prices, an average of what Floridians pay for car insurance each month and some of the cheapest options for Sunshine State drivers.

What state has the highest car insurance rates?

According to MarketWatch’s car insurance guide, Louisiana is the state with the most expensive car insurance prices. New York follows close behind in second place and Florida, where drivers pay an estimated $289 per month for full coverage car insurance, ranks in third place overall.

Here are the top 10 states where car insurance costs the most and the corresponding average rate for full coverage car insurance in each state, according to MarketWatch:

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  1. Louisiana, $340
  2. New York, $310
  3. Florida, $289
  4. Nevada, $281
  5. Texas, $271
  6. Pennsylvania, $269
  7. California, $260
  8. Colorado, $246
  9. Rhode Island, $244

What is the average car insurance payment in Florida?

How expensive it is to insure a car depends on if the policy you buy is full or minimum coverage and which insurance company you purchase from.

The average full coverage car insurance policy in Florida costs around $289 per month, a whole $66 more than the national average for full coverage car insurance pricing, according to MarketWatch’s car insurance guide.

Here are some other key findings about the cost of car insurance in Florida, according to MarketWatch’s car insurance guide:

  • The cheapest full coverage auto insurance option in Florida is through Geico, at an average rate of $174 per month.
  • The cheapest minimum liability auto insurance option in Florida is also through Geico, at an average rate of $54 per month.
  • The average minimum liability auto policy in Florida costs $130 per month.

Who has the most affordable auto insurance in Florida?

“According to rate data, on average, Florida auto insurance costs $3,244 per year for full coverage insurance policies, which is 62% higher than the national average,” according to MarketWatch. 

“Car insurance rates went up an average of 10.1% in Florida in 2023…However, some of the best car insurance companies in the country offer manageable premiums, despite Florida having far more expensive coverage than the U.S. average, according to our rate data.”

According to MarketWatch’s findings, the cheapest car insurance options in the state of Florida are offered by State Farm, Geico, Travelers, Mercury and Progressive. Which option is cheapest for you depends on a lot of different variables, though; like how old you are, which city you live in, your credit score (or lack thereof) and your driving record. 

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Finding a car insurance policy that’s best for you will require getting and comparing quotes from different companies, since pricing is somewhat personalized based on the factors listed above.



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Florida boy, 4, found dead in Alabama had no signs of assault, trauma as dad is busted on explosives charges

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Florida boy, 4, found dead in Alabama had no signs of assault, trauma as dad is busted on explosives charges


Heartbreaking new details have emerged in the case of the missing Florida boy who was found dead next to his dog as his father faces charges for allegedly making explosives.

Johnathan Boley, 4, did not show any signs of “trauma or assault type injuries” after officials performed an autopsy on Monday morning — three days after the heartbreaking discovery, according to Walker County Sheriff Nick Smith.

A cause of death has not been released as officials await the results of further tests, WBRC reported.

Johnathan Boley did not show any signs of trauma or assault after his death around Jan. 2, 2026. Alabama Law Enforcement Agency

Boley, known by his family as “John John,” was discovered partly in a body of water by a group of volunteers who were searching the wooded area in Jasper, Ala. — two miles from where the boy vanished.

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The child, who was visiting his father for the holidays, was last seen playing in the yard with his older brother and their mixed lab pup Buck just before noon on New Year’s Eve.

Boley’s elder sibling said his brother and the Buck had walked across the property line. Jameson Kyle Boley reported his son missing an hour later.

The little tyke, who lived with his mother in Florida after his parents separated, was discovered just before 1 p.m. Friday.

Buck, the loyal pooch, was found alive and next to Boley’s body.

Explosive materials found on Jameson Boley’s property after his son was reported missing on Dec. 31, 2025. Constable Allen Estell
Jameson Boley as arrested and charged with unlawful manufacturing of a destructive device and two counts of chemical endangerment of a child. Blount County Jail

Volunteers were “shook up” when they found Boley after the days-long search.

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“You know, obviously you come out to do a good deed and when you get our there, you may have thought that you have fully prepared yourself for what you might come across,” Smith said. “Obviously, they were shaken up.”

Officials also discovered explosive materials inside and around the elder Boley’s home. The discovery of the potentially dangerous materials forced officials to cancel a ground search in the area.

Buck, the loyal pooch, was found alive and next to Boley’s body. Walker County Sheriff’s Office
Boley was discovered partly in a body of water by a group of volunteers who were searching the wooded area in Jasper, Ala. — two miles from where the boy vanished. WBRC

Methamphetamines were also discovered inside the home.

Officials found “evidence that they have had some type of bomb type materials and that have exploded on the property.”

Boley, 40, was arrested and charged with unlawful manufacturing of a destructive device and two counts of chemical endangerment of a child.

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He was transported to Blount County jail to “keep him separated from the county and people he may know in the jail,” Smith said.

After “John John’s” body was recovered, family members were permitted to go to Blount County and share the devastating news with the jailed father.

“I arranged with the sheriff of Blount County to let the family go make that notification in person,” Smith said.



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Liz Barker: Florida’s voucher program at a crossroads

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Liz Barker: Florida’s voucher program at a crossroads


What if a state program were bleeding billions of taxpayer dollars, providing funds to nearly anyone who applied, with minimal oversight?

Fiscal conservatives would demand immediate intervention. They would call for rooting out waste, fraud, and abuse, insist on accountability from those in power, and demand swift action to protect public money.

While much public attention has focused on charter school expansion, including Schools of Hope, this discussion concerns a different program altogether: Florida’s rapidly expanding, taxpayer-funded voucher program.

That program, particularly the unchecked growth of the Family Empowerment Scholarship (FES), now allows public dollars to fund private school and homeschool education on an unprecedented scale.

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State officials tout a budget surplus, but independent analysts project that an additional $4–5 billion in annual voucher spending will lead to an imminent budget deficit.

The findings of a recent independent audit of FES are alarming. It examined what happens to these public funds and whether they truly “follow the child,” as Floridians were repeatedly promised.

They did not.

The auditor general was blunt: “Whatever can go wrong with this system has gone wrong.”

The audit raises more questions than answers:

— Why would state legislators steer a previously healthy state budget toward a projected deficit?

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— Why is the state unable to account for roughly 30,000 students — representing approximately $270 million in taxpayer dollars — on any given day?

— And why is voucher spending deliberately obscured from public scrutiny by burying it in the public-school funding formula?

According to auditors, Florida’s voucher program has grown faster than the state’s ability to manage it. They identified gaps in real-time tracking, limited verification of eligibility and enrollment, and financial controls that have failed to keep pace with explosive growth.

These are not minor administrative errors; they are flashing warning lights.

Waste, fraud, and abuse are not partisan concerns; they are fiscal ones. Any government program that cannot clearly show where public dollars are or whether they are used appropriately represents a failure of the Legislature’s duty to safeguard taxpayer funds.

It is also important to be honest about what voucher growth truly represents. Despite frequent claims of a mass exodus from public schools, data show that roughly 70%of voucher recipients in recent years were not previously enrolled in public schools.

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This is not a story of families fleeing public education. It is a story of public dollars being quietly redirected away from it.

That distinction matters because Florida’s public School Districts remain subject to strict accountability standards that do not apply to private or homeschool programs that receive voucher funds. Public schools must administer state assessments, publish performance data, comply with open-records laws, and undergo regular financial audits.

Public education across Florida is not stagnant. School Districts are actively innovating while serving as responsible stewards of public dollars by expanding career pathways, strengthening partnerships with local employers and higher education, and adapting to an increasingly complex choice landscape. When Districts are supported by stable policy and predictable funding, they lead.

But choice only works when transparency and quality accompany it. If state dollars support a student’s education, those dollars should be accompanied by state-level accountability, including meaningful oversight and participation in statewide assessments.

State dollars should meet state standards.

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The audit also makes clear that technical fixes alone are insufficient. As long as voucher funding remains intertwined with public school funding formulas, billions of dollars in voucher spending will remain obscured from public scrutiny. The program must stand on its own.

Florida’s fiscally conservative Senators recognized this reality when they introduced SB318, a bipartisan bill to implement the auditor general’s recommendations and bring transparency and fiscal responsibility to school choice. The House must now follow suit.

Families like mine value school choice. But without meaningful reform, the current system is not financially sustainable.

Fiscal responsibility and educational opportunity are not competing values. Floridians must insist on both.

___

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Liz Barker is a Sarasota County School Board member.



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SpaceX targeting Thursday for Cape Canaveral’s second rocket launch of 2026

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SpaceX targeting Thursday for Cape Canaveral’s second rocket launch of 2026


Bolstered by more than 300 Falcon 9 rocket launches — primarily from Florida’s Space Coast — SpaceX’s 9,000-plus Starlink high-speed internet satellites now serve more than 9 million customers in more than 155 countries and markets, the company reported last week.

Now, the burgeoning Starlink constellation is slated to expand again. SpaceX is targeting Thursday, Jan. 8, for an afternoon Falcon 9 liftoff from Cape Canaveral Space Force Station. Launch window: 1:29 p.m. to 5:29 p.m.

The rocket will deploy 29 Starlink satellites in low-Earth orbit. Similarly, the Falcon 9 first-stage booster should wrap up its 29th mission by landing aboard the SpaceX drone ship Just Read the Instructions in the Atlantic Ocean, hundreds of miles southeast of the Cape.

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FLORIDA TODAY Space Team live coverage of Thursday’s Starlink 6-96 mission will kick off roughly 90 minutes before liftoff at floridatoday.com/space.

The first launch of 2026 from Florida’s Space Coast took flight at 1:48 a.m. Sunday, Jan. 4. That’s when a Falcon 9 lifted off from the Space Force installation, then deployed a batch of 29 Starlink satellites.

What’s more, SpaceX has another Starlink mission in store this upcoming weekend. More details:

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  • Launch window: 1:34 p.m. to 5:34 p.m. Saturday, Jan. 10.
  • Trajectory: Southeast.
  • Location: Launch Complex 40 at Cape Canaveral Space Force Station.
  • Sonic booms: No.

In a 2025 progress report, Starlink officials reported crews equipped more than 1,400 commercial aircraft with Starlink antennae last year. That represents nearly four times the number of aircraft outfitted during 2024.

More than 21 million passengers experienced Starlink’s “at-home-like internet” last year aboard United Airlines, Hawaiian Airlines, Alaska Airlines, JSX, WestJet, Qatar Airways, Air France, Emirates, Air New Zealand and airBaltic flights, per the report.

For the latest news from Cape Canaveral Space Force Station and NASA’s Kennedy Space Center, visit floridatoday.com/space. Another easy way: Click here to sign up for our weekly Space newsletter.

Rick Neale is a Space Reporter at FLORIDA TODAY, where he has covered news since 2004. Contact Neale at Rneale@floridatoday.com. Twitter/X: @RickNeale1

Space is important to us and that’s why we’re working to bring you top coverage of the industry and Florida launches. Journalism like this takes time and resources. Please support it with a subscription here.

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