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If your auto insurance bill feels higher than ever, you’re not imagining things. Across the U.S., premiums have surged at a pace we haven’t seen in decades. Here in South Florida, the increases have hit even harder.

According to federal data, auto insurance costs increased 13% in 2024, on top of a 19% jump in 2023, outpacing inflation both years and marking the most sustained rise in recent memory. While some states have seen modest relief in 2025, Florida still ranks among the most expensive, with average annual premiums north of $3,200, which is 40–50% higher than the national average.

What’s Driving the Increases?

Several factors are colliding to push premiums upward:

Rising Claim Costs : From labor shortages to pricey replacement part

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