- December 13, 2025
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It's not just gas prices that are going up. Car insurance premiums are also on the rise.
CarData, a firm that provides companies vehicle reimbursement plans, says premiums have increased nationally as much as 7.4%. The five states with the highest premiums? Florida, Louisiana, Michigan, New Jersey and New York.
Florida's mandatory $10,000 Personal Injury Protection coverage accounts for a quarter of insurance premiums, according to a CarData statement. Another reason why premiums are so high in the Sunshine State? Stormy weather. Hurricanes and tropical storms threatening Florida spell increased comprehensive coverage. And since Hurricane Irma hit the state, CarData says Florida drivers can expect rates to climb higher.