Women Pay $164 More on Average Annually for Car Insurance in Florida
Florida may offer a great getaway for many, but some residents may pay a premium, particularly for auto insurance. In fact, women in Florida pay an average of $164 more annually than men — the highest discrepancy in the U.S.
We analyzed Quadrant Information Services data to determine which Florida counties, cities and insurers saw the biggest insurance gender gaps. Here’s what we found.
Key findings
- Women pay an average of $164 more annually than men for auto insurance in Florida. Nationally, the Sunshine State has the highest disparity in average annual auto insurance costs between men and women by a wide margin. In fact, the difference is $91 more than in the next highest state, across-the-country Washington ($73).
- By county, Palm Beach County residents see the biggest differences in auto insurance rates between men and women. Women in Palm Beach County pay an average of $337 more annually for auto insurance, ahead of Miami-Dade County ($334) and Hillsborough County ($331).
- Among the 50 biggest cities in Florida, women and men in Hialeah in Miami-Dade County see the highest disparity in auto insurance costs. Women in the city pay an average of $398 more a year for auto insurance. Boynton Beach in Palm Beach County ($385) and Miami Gardens in Miami-Dade County ($375) follow.
- Among the biggest insurers in Florida, women covered by Allstate and Security National see the biggest differences in auto insurance rates. Average annual auto insurance premiums in the state from these insurers are $415 higher for women. Progressive ($414) is $1 behind. Meanwhile, women and men insured by State Farm have the same premiums on average.
- In stark contrast, the oldest and youngest women in Florida pay less for auto insurance than their male counterparts. 20-year-old, 70-year-old and 80-year-old women pay an average of $411, $77 and $278 less for insurance, respectively. For every decade in between, women pay more.
Women in Florida pay $164 more on average for auto insurance
In Florida, women pay $2,949 annually on average for car insurance — $164 more than the average of $2,785 that men pay.
While it’s difficult to know why this discrepancy is largest in Florida, LendingTree auto insurance expert and licensed insurance agent Rob Bhatt says a few factors are likely involved.
Washington is a distant second, with women paying $73 more than men. Delaware rounds out the top three, at a $49 difference.
States where women pay the most for average annual car insurance premiums compared to men
| Rank | State | Avg. premium, men | Avg. premium, women | Difference |
|---|---|---|---|---|
| 1 | Florida | $2,785 | $2,949 | $164 |
| 2 | Washington | $3,010 | $3,083 | $73 |
| 3 | Delaware | $3,026 | $3,076 | $49 |
Source: LendingTree analysis of Quadrant Information Services insurance rate data pulled in January 2025.
In total, women pay more than men in 13 states, while there isn’t any cost discrepancy in another six. That leaves 32 states where women pay less than men, leading with Arizona ($112), Texas ($81) and Vermont ($64).
Full rankings
States where women pay the most/least for average annual car insurance premiums compared to men
| Rank | State | Avg. premium, men | Avg. premium, women | Difference |
|---|---|---|---|---|
| 1 | Florida | $2,785 | $2,949 | $164 |
| 2 | Washington | $3,010 | $3,083 | $73 |
| 3 | Delaware | $3,026 | $3,076 | $49 |
| 4 | New York | $2,715 | $2,758 | $43 |
| 4 | West Virginia | $1,700 | $1,743 | $43 |
| 6 | Oregon | $2,360 | $2,384 | $24 |
| 7 | New Jersey | $2,941 | $2,963 | $22 |
| 8 | District of Columbia | $2,821 | $2,838 | $18 |
| 9 | Virginia | $2,313 | $2,329 | $16 |
| 10 | New Mexico | $2,264 | $2,278 | $14 |
| 11 | Georgia | $3,345 | $3,356 | $11 |
| 12 | Alaska | $2,069 | $2,079 | $10 |
| 13 | Utah | $2,251 | $2,255 | $4 |
| 14 | California | $2,449 | $2,449 | $0 |
| 14 | Hawaii | $1,588 | $1,588 | $0 |
| 14 | Massachusetts | $1,676 | $1,676 | $0 |
| 14 | Michigan | $2,417 | $2,417 | $0 |
| 14 | North Carolina | $1,502 | $1,502 | $0 |
| 14 | Pennsylvania | $1,907 | $1,907 | $0 |
| 20 | Wisconsin | $1,828 | $1,823 | -$5 |
| 21 | Nebraska | $2,115 | $2,105 | -$10 |
| 22 | Ohio | $1,812 | $1,801 | -$11 |
| 23 | South Carolina | $2,935 | $2,923 | -$12 |
| 23 | Kansas | $2,312 | $2,300 | -$12 |
| 23 | Montana | $2,349 | $2,337 | -$12 |
| 26 | Mississippi | $1,845 | $1,831 | -$14 |
| 27 | Colorado | $3,173 | $3,157 | -$16 |
| 28 | Illinois | $2,178 | $2,159 | -$19 |
| 29 | Minnesota | $2,421 | $2,400 | -$21 |
| 30 | Maryland | $2,427 | $2,404 | -$23 |
| 31 | Connecticut | $2,753 | $2,728 | -$26 |
| 32 | Louisiana | $3,395 | $3,366 | -$29 |
| 33 | Tennessee | $2,097 | $2,062 | -$35 |
| 34 | Rhode Island | $2,823 | $2,787 | -$36 |
| 34 | Indiana | $1,778 | $1,742 | -$36 |
| 36 | Oklahoma | $2,209 | $2,172 | -$37 |
| 37 | North Dakota | $1,952 | $1,914 | -$38 |
| 38 | Kentucky | $2,547 | $2,506 | -$41 |
| 39 | Missouri | $2,463 | $2,421 | -$42 |
| 40 | Alabama | $2,101 | $2,058 | -$43 |
| 40 | Arkansas | $3,147 | $3,104 | -$43 |
| 42 | Wyoming | $1,410 | $1,366 | -$44 |
| 43 | Iowa | $2,027 | $1,981 | -$46 |
| 44 | Maine | $1,360 | $1,311 | -$49 |
| 45 | New Hampshire | $1,544 | $1,491 | -$54 |
| 46 | South Dakota | $2,101 | $2,046 | -$55 |
| 47 | Nevada | $2,687 | $2,631 | -$56 |
| 48 | Idaho | $1,637 | $1,576 | -$61 |
| 49 | Vermont | $1,469 | $1,405 | -$64 |
| 50 | Texas | $3,126 | $3,045 | -$81 |
| 51 | Arizona | $3,575 | $3,463 | -$112 |
Source: LendingTree analysis of Quadrant Information Services insurance rate data pulled in January 2025.
Palm Beach County women face the biggest discrepancy
Looking more closely (by Florida counties), women in Palm Beach County see the biggest price hikes in auto insurance rates compared to men. Here, women pay $4,153 on average, while men pay $3,816 — a difference of $337.
Miami-Dade County ($334) and Hillsborough County ($331) round out the top three.
Conversely, women in Holmes County see the smallest discrepancy, with a difference of $91. Jackson County ($96) and Washington County ($98) follow. These are the only three counties with a difference of less than $100 in auto insurance rates.
Full rankings
Florida counties with biggest/smallest difference in average annual car insurance premiums for men/women
| Rank | County | Avg. premium, men | Avg. premium, women | Difference |
|---|---|---|---|---|
| 1 | Palm Beach | $3,816 | $4,153 | $337 |
| 2 | Miami-Dade | $4,149 | $4,483 | $334 |
| 3 | Hillsborough | $3,819 | $4,150 | $331 |
| 4 | Broward | $3,829 | $4,126 | $297 |
| 5 | Pasco | $3,448 | $3,735 | $287 |
| 6 | Pinellas | $3,278 | $3,553 | $275 |
| 7 | Orange | $3,231 | $3,505 | $273 |
| 8 | Osceola | $3,183 | $3,445 | $262 |
| 9 | Hernando | $3,135 | $3,394 | $259 |
| 10 | St. Lucie | $2,994 | $3,237 | $243 |
| 11 | Manatee | $2,974 | $3,196 | $222 |
| 12 | Martin | $2,886 | $3,099 | $213 |
| 13 | Polk | $2,988 | $3,198 | $211 |
| 14 | Citrus | $2,775 | $2,983 | $207 |
| 15 | Lee | $2,787 | $2,985 | $198 |
| 16 | Lake | $2,726 | $2,923 | $197 |
| 17 | Okeechobee | $2,796 | $2,992 | $196 |
| 18 | Glades | $2,760 | $2,956 | $195 |
| 18 | Duval | $3,122 | $3,316 | $195 |
| 20 | Hendry | $2,782 | $2,977 | $194 |
| 20 | Sumter | $2,703 | $2,897 | $194 |
| 20 | Seminole | $2,878 | $3,073 | $194 |
| 23 | Indian River | $2,689 | $2,882 | $193 |
| 24 | Hardee | $2,808 | $2,998 | $190 |
| 25 | Columbia | $2,792 | $2,978 | $186 |
| 26 | Volusia | $2,751 | $2,934 | $183 |
| 27 | DeSoto | $2,711 | $2,891 | $180 |
| 28 | Sarasota | $2,716 | $2,894 | $178 |
| 29 | Highlands | $2,696 | $2,873 | $177 |
| 30 | Charlotte | $2,581 | $2,758 | $176 |
| 30 | Brevard | $2,689 | $2,864 | $176 |
| 32 | Collier | $2,624 | $2,799 | $175 |
| 33 | Clay | $2,884 | $3,056 | $172 |
| 34 | Flagler | $2,701 | $2,872 | $171 |
| 35 | Bradford | $2,733 | $2,899 | $166 |
| 36 | Marion | $2,703 | $2,868 | $165 |
| 37 | Putnam | $2,749 | $2,911 | $163 |
| 38 | Baker | $2,753 | $2,913 | $159 |
| 38 | Nassau | $2,744 | $2,903 | $159 |
| 40 | Santa Rosa | $2,840 | $2,993 | $153 |
| 41 | Union | $2,668 | $2,817 | $150 |
| 42 | Escambia | $2,797 | $2,944 | $147 |
| 43 | Monroe | $2,913 | $3,054 | $140 |
| 43 | St. Johns | $2,645 | $2,785 | $140 |
| 45 | Gadsden | $2,629 | $2,768 | $139 |
| 46 | Bay | $2,592 | $2,730 | $138 |
| 47 | Alachua | $2,506 | $2,643 | $137 |
| 48 | Levy | $2,563 | $2,698 | $135 |
| 49 | Leon | $2,647 | $2,778 | $130 |
| 50 | Gilchrist | $2,550 | $2,677 | $127 |
| 50 | Hamilton | $2,595 | $2,722 | $127 |
| 52 | Lafayette | $2,556 | $2,682 | $126 |
| 53 | Suwannee | $2,548 | $2,672 | $124 |
| 54 | Wakulla | $2,548 | $2,671 | $123 |
| 55 | Liberty | $2,591 | $2,710 | $119 |
| 56 | Calhoun | $2,575 | $2,693 | $118 |
| 57 | Madison | $2,548 | $2,666 | $117 |
| 58 | Gulf | $2,476 | $2,591 | $115 |
| 59 | Okaloosa | $2,543 | $2,657 | $114 |
| 59 | Dixie | $2,567 | $2,681 | $114 |
| 61 | Franklin | $2,510 | $2,622 | $112 |
| 62 | Taylor | $2,558 | $2,665 | $107 |
| 62 | Walton | $2,481 | $2,588 | $107 |
| 64 | Jefferson | $2,595 | $2,700 | $105 |
| 65 | Washington | $2,492 | $2,590 | $98 |
| 66 | Jackson | $2,497 | $2,593 | $96 |
| 67 | Holmes | $2,483 | $2,575 | $91 |
Source: LendingTree analysis of Quadrant Information Services insurance rate data pulled in January 2025.
By city, Hialeah has the biggest gender difference in insurance costs
Switching to the 50 largest Florida cities, those in Hialeah (in Miami-Dade County) see the highest disparity in auto insurance costs by gender. Women here pay an average of $4,841, while men pay $4,443 — a difference of $398. Boynton Beach in Palm Beach County ($385) and Miami Gardens in Miami-Dade County ($375) follow.
Florida cities with biggest difference in average annual car insurance premiums for men/women
| Rank | City | Avg. premium, men | Avg. premium, women | Difference |
|---|---|---|---|---|
| 1 | Hialeah | $4,443 | $4,841 | $398 |
| 2 | Boynton Beach | $4,087 | $4,472 | $385 |
| 3 | Miami Gardens | $4,381 | $4,756 | $375 |
Source: LendingTree analysis of Quadrant Information Services insurance rate data pulled in January 2025. Note: Cities include the top 50 by population according to the U.S. Census Bureau American Community Survey (ACS).
Meanwhile, that discrepancy is smallest in Tallahassee in Leon County ($130), Gainesville in Alachua County ($134) and Palm Coast in Flagler County ($169).
Full rankings
Florida cities with biggest/smallest difference in average annual car insurance premiums for men/women
| Rank | City | Avg. premium, men | Avg. premium, women | Difference |
|---|---|---|---|---|
| 1 | Hialeah | $4,443 | $4,841 | $398 |
| 2 | Boynton Beach | $4,087 | $4,472 | $385 |
| 3 | Miami Gardens | $4,381 | $4,756 | $375 |
| 4 | Town 'n' Country | $4,105 | $4,473 | $368 |
| 5 | Pine Hills | $3,766 | $4,131 | $366 |
| 6 | West Palm Beach | $3,987 | $4,347 | $360 |
| 7 | Tampa | $3,989 | $4,346 | $357 |
| 7 | Lauderhill | $4,101 | $4,458 | $357 |
| 9 | Miami | $4,164 | $4,502 | $338 |
| 10 | Brandon | $3,795 | $4,120 | $325 |
| 11 | Doral | $4,082 | $4,405 | $323 |
| 12 | Deerfield Beach | $3,874 | $4,195 | $320 |
| 13 | Riverview | $3,708 | $4,023 | $315 |
| 13 | Sunrise | $3,901 | $4,216 | $315 |
| 13 | Pompano Beach | $3,869 | $4,184 | $315 |
| 16 | Homestead | $4,051 | $4,363 | $311 |
| 17 | Coral Springs | $3,723 | $4,024 | $301 |
| 18 | Boca Raton | $3,726 | $4,020 | $294 |
| 19 | Fort Lauderdale | $3,752 | $4,040 | $288 |
| 20 | Clearwater | $3,270 | $3,552 | $282 |
| 20 | Plantation | $3,672 | $3,954 | $282 |
| 20 | Wesley Chapel | $3,463 | $3,745 | $282 |
| 23 | Orlando | $3,258 | $3,537 | $279 |
| 24 | Hollywood | $3,873 | $4,147 | $274 |
| 25 | St. Petersburg | $3,354 | $3,626 | $272 |
| 26 | Largo | $3,230 | $3,500 | $271 |
| 27 | Miramar | $3,809 | $4,076 | $267 |
| 28 | Miami Beach | $3,832 | $4,098 | $266 |
| 29 | Kissimmee | $3,190 | $3,453 | $263 |
| 30 | Spring Hill | $3,149 | $3,409 | $260 |
| 31 | Alafaya | $3,097 | $3,355 | $258 |
| 32 | Pembroke Pines | $3,691 | $3,947 | $257 |
| 33 | Poinciana | $3,172 | $3,428 | $256 |
| 34 | Davie | $3,607 | $3,862 | $255 |
| 35 | Port St. Lucie | $3,002 | $3,249 | $247 |
| 36 | Horizon West | $2,980 | $3,211 | $231 |
| 37 | Lehigh Acres | $2,930 | $3,140 | $210 |
| 38 | Lakeland | $2,989 | $3,197 | $208 |
| 39 | Fort Myers | $2,827 | $3,031 | $204 |
| 40 | Cape Coral | $2,828 | $3,031 | $203 |
| 41 | Deltona | $2,871 | $3,068 | $197 |
| 42 | Jacksonville | $3,137 | $3,333 | $196 |
| 43 | The Villages | $2,640 | $2,831 | $191 |
| 44 | Palm Bay | $2,760 | $2,950 | $190 |
| 45 | Daytona Beach | $2,743 | $2,925 | $182 |
| 46 | Melbourne | $2,659 | $2,838 | $180 |
| 47 | North Port | $2,607 | $2,786 | $179 |
| 48 | Palm Coast | $2,690 | $2,860 | $169 |
| 49 | Gainesville | $2,479 | $2,612 | $134 |
| 50 | Tallahassee | $2,647 | $2,778 | $130 |
Source: LendingTree analysis of Quadrant Information Services insurance rate data pulled in January 2025. Note: Cities include the top 50 by population according to the U.S. Census Bureau ACS.
Security National, Allstate have the biggest gender differences
Looking at the seven biggest insurers in Florida, those covered by Security National and Allstate see the biggest gender discrepancies. At both insurers, women pay an average of $415 more than men — though with average premiums of $4,403 at Security National and $5,676 at Allstate, women pay less overall with the former.
The discrepancy at Progressive ($414) is just $1 behind.
Florida insurers with biggest difference in average annual car insurance premiums for men/women
| Rank | Insurer | Avg. premium, men | Avg. premium, women | Difference |
|---|---|---|---|---|
| 1 | Security National | $3,989 | $4,403 | $415 |
| 1 | Allstate | $5,262 | $5,676 | $415 |
| 3 | Progressive | $4,099 | $4,512 | $414 |
| 4 | USAA | $2,920 | $3,147 | $227 |
| 5 | Geico | $1,750 | $1,831 | $81 |
| 6 | Standard Fire | $2,492 | $2,570 | $78 |
| 7 | State Farm | $1,760 | $1,760 | $0 |
Source: LendingTree analysis of Quadrant Information Services insurance rate data in January 2025.
Meanwhile, State Farm has the same average premiums for both men and women. No provider offers lower rates for women compared to men.
Given this, Bhatt says it’s crucial for everyone — especially women — to shop around for insurance. “Each company uses a different system to calculate your rates,” he says. “Evidently, some place more emphasis on your gender than others do. All companies say they have low rates, but you can’t tell which one is cheapest for you until you get quotes.”
Oldest and youngest women pay less than men for insurance
In Florida, the oldest and youngest cohorts of women pay less than men, while women in the middle groups pay more than men. This difference is most noticeable among 20-year-olds, with women paying an average of $411 less than men. However, it’s worth noting that insurance rates are the highest for both genders compared to other age groups.
Meanwhile, 70-year-old women pay $77 less than men and 80-year-old women pay $278 less, on average.
Difference in average annual car insurance premiums for men/women in Florida by age
| Age | Avg. premium, men | Avg. premium, women | Difference |
|---|---|---|---|
| 20 | $5,041 | $4,629 | -$411 |
| 30 | $2,785 | $2,949 | $164 |
| 40 | $2,648 | $2,812 | $165 |
| 50 | $2,539 | $2,618 | $79 |
| 60 | $2,414 | $2,448 | $33 |
| 70 | $2,585 | $2,508 | -$77 |
| 80 | $3,269 | $2,991 | -$278 |
Source: LendingTree analysis of Quadrant Information Services insurance rate data pulled in January 2025.
Women pay more at every age in between. At 60 years old, insurance rates for women are the lowest on average, though they pay $33 more than men at this age.
Bhatt says this largely boils down to risk. “Research shows that young women have lower crash rates than young men, particularly when it comes to severe accidents,” he says. “This is the main reason young women tend to get lower insurance rates than young men, except in states that prohibit insurance companies from using gender for rates.”
Your car insurance rates tend to level off by the time you reach your 30s, Bhatt says. “That is to say, a 45-year-old with a clean driving record will pay about the same for car insurance as a 35-year-old with a clean record, or maybe just slightly less,” he says. “However, your insurance rates can start to rise again after you reach retirement age. This is based largely on research that shows that seniors have slightly higher crash rates than middle-aged drivers.”
Navigating car insurance: Top tips for women
Given the cost discrepancy, it’s crucial to take your time finding cheap auto insurance, particularly if you’re a woman in Florida. We recommend the following advice:
- Compare quotes from multiple providers. Because insurance rates can vary significantly for providers, don’t settle for the first quote you receive. Use online comparison tools to explore your options. Look for discounts tailored to your situation, like safe driver programs, multipolicy bundles and more.
- Consider coverage beyond the minimum. While minimum coverage may be cheapest, consider higher liability limits or comprehensive and collision coverage. Uninsured motorist coverage can also offer additional protections.
- Evaluate your deductible and premiums. A higher deductible can lower your monthly premium, but that means you’ll pay more out of pocket if you end up in an accident. Consider your financial situation and risk tolerance.
Methodology
LendingTree researchers analyzed insurance rate data pulled in January 2025 from Quadrant Information Services using publicly sourced insurance company filings. Prices are shown for comparative purposes only. Your own rates may be different.
This study presents the average annual costs of a typical (we didn’t specify minimum or full) insurance policy from the seven largest insurance companies available in Quadrant. We first compared rates by state, then analyzed rates across all counties in Florida and the largest 50 cities in Florida. Quotes are for a typical coverage policy for 30-year-old employed men and women with good credit and a clean driving record driving a 2015 Honda Civic EX. Minimum personal injury protection (PIP) was included in states where required.
States that require PIP include:
- Delaware
- Florida
- Hawaii
- Kansas
- Kentucky
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- New Jersey
- New York
- North Dakota
- Oregon
- Pennsylvania
- Utah
Researchers used data from the U.S. Census Bureau 2023 American Community Survey with one-year estimates to identify the 50 largest cities in Florida.