A recent study by Coverage.com reveals drivers in Florida pay the highest average annual premium of any state for auto insurance — a total of nearly $2,600 dollars a year for full coverage.

Compare that to Maine which has the the lowest at just $831 dollars a year.​

According to The Zebra, which is the nation’s leading independent insurance comparison site, car insurance for drivers in Central Florida is up 4% from a year ago.

Across the country the increase was on average up 3%. Orlando and Central Florida was a bit higher simply because of more cars being on Central Florida roads. 

Orlando resident and professional YouTube performer Malik Pettit likes fast cars, like his Infiniti Q60.

“It’s my baby man, it’s my baby," the on-line performer said in front of his car.

To have a sports car that can go more than 180 miles per hour has him paying a pretty price for his auto insurance. A rate that has consistently gone up during the two years he has had the car.

“A year ago the insurance I probably want to say was like $300,” Pettit said.

And that’s $300 a month. 

But the rate for his ride, isn’t slowing down. Currently the insurance for his Infiniti he says is nearly $600 a month. A near 100% increase since last year. 

A big reason for Malik’s hike was because he totaled his Mercedes in 2021.

According to TheZebra.com which compares auto insurance rates across the country, several factors are contributing to the insurance hike now being seen by many.

“If there are reckless driving behaviors in the area, additional traffic, even things like crime, theft or weather such as hurricanes," Nicole Beck from The Zebra said. "All of those things cause people to file claims which means the insurance companies are losing money, than they raise rates.”

And the trend is more than likely going to continue.

“We don’t want to predict doom and gloom, but as more people are on the road, there is more traffic," Beck said. "So theoretically, yes, the prices will continue to go up, but because more traffic means more accidents.”

The more clicks and subscribers Pettit gets a day is a good thing, but when it comes to his insurance rates even he has his limits.

“I don’t think you’ll ever get to a point where I couldn’t financially take care of it," he said. "I just feel like it's too much, like insurance is starting to get too high.”

The State’s average premium in 2021 was just over $2400 which was nearly 60% higher than the national average.  

Aside from being a safe driver and shopping around for a competitive offer, experts say another way to potentially lower your auto insurance is to improve your credit score.