Renters Insurance Cost in Florida (2026 Average)
Florida renters paid about $159 a year on average in the NAIC 2021 baseline, about $11 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Florida renters insurance costs
Florida renters paid about $159 a year on average in the NAIC 2021 baseline, about $11 less than the $170 US average.
Weather exposure is a major driver here: hurricane exposure is the defining risk, and storm claims can be severe when they occur.
Claim frequency and litigation also matter: the state has a reputation for higher claim frequency and litigation, which raises costs for everyone.
Replacement costs and carrier competition round out the picture: replacement costs in coastal metros are elevated, and a crowded carrier market competes hard, but weather and legal costs push the average up.
How Florida compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Florida | $159 | −$11 |
| United States (national average) | $170 | baseline |
| Georgia | $158 | −$12 |
| Alabama | $162 | −$8 |
| South Carolina | $124 | −$46 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.