What do drivers in Martin County pay for car insurance?

There is no single answer, which is the point of the table above. For the middle profile of the 6 FLOIR publishes for Martin County, the median filed rate is $1,921 across 21 filed rates, and the filed rates for that one profile run from $749 to $7,054.

Are these figures quotes?

No. They are rates insurers filed with Florida Office of Insurance Regulation for hypothetical drivers the regulator defined. Nobody is offered these prices; they describe filings.

Does this coverage match Florida's legal minimum?

Florida's statutory position is set out on its requirements page; the survey's coverage basis is stated on this page and is not always the same thing.

Published car-insurance premium data for Martin County, Florida

Name: Filed car-insurance sample rates for Martin County, Florida
Creator: Florida Office of Insurance Regulation

$1,921median filed annual premium · 21 filed rates · middle profile of the 6 FLOIR publishes here

For that one profile — Family with Young Drivers — PIP + PD 1 — the filed rates run $749 to $7,054. Across every profile published for Martin County they run $186 to $23,022.

Florida Office of Insurance Regulation · rates-effective date not published by the source. The Florida Office of Insurance Regulation describes the data only as reflecting “the most recent rate filings approved by the Office”. · annual premiums · 124 filed rates · retrieved 9 August 2026 · source document

This source publishes no rates-effective date

not published by the source. The Florida Office of Insurance Regulation describes the data only as reflecting “the most recent rate filings approved by the Office”. We record the date we retrieved it — 9 August 2026 — as a separate field, and no page on this site presents that retrieval date where a rates date belongs.

Profiles published here: 6
Filed rates: 124
Median range: $420–$7,669
Policy term: annual

The highest filed rate in this cell is 9.4× the lowest — $749 to $7,054 for the same driver, the same coverage and the same annual term.

Filed annual premiums for Martin County, published by Florida Office of Insurance Regulation, with no rates-effective date published by the source. Percentiles use the exclusive method and round to whole dollars.
Driver profile as FLOIR defines it	Filed rates (n)	Lowest	25th percentile	Median	75th percentile	Highest
Senior Married Couple — PIP + PD 1 Profile as the regulator defines it Married Male (Age 70), Married Female (Age 65) One car, no accidents or violations in the last 3 years, pleasure driving use 6,000 miles per year. Rate column as published by the Florida Office of Insurance Regulation: “PIP + PD 1”.	21	$186	$342	$420	$759	$1,723
Senior Married Couple — All Coverages 2 Profile as the regulator defines it Married Male (Age 70), Married Female (Age 65) One car, no accidents or violations in the last 3 years, pleasure driving use 6,000 miles per year. Rate column as published by the Florida Office of Insurance Regulation: “All Coverages 2”.	21	$798	$1,706	$2,009	$2,900	$5,105
Single Female — PIP + PD 1 Profile as the regulator defines it Single Female (Age 25) One car, one violation and one no-fault accident in the preceding 3 years, work driving use 12,000 miles per year. Rate column as published by the Florida Office of Insurance Regulation: “PIP + PD 1”.	20	$421	$659	$1,170	$1,958	$3,106
Single Female — All Coverages 2 Profile as the regulator defines it Single Female (Age 25) One car, one violation and one no-fault accident in the preceding 3 years, work driving use 12,000 miles per year. Rate column as published by the Florida Office of Insurance Regulation: “All Coverages 2”.	20	$1,930	$2,930	$4,798	$6,812	$10,293
Family with Young Drivers — PIP + PD 1 Profile as the regulator defines it Married Male (Age 50), Married Female (Age 50), Single Male (Age 20), Single Female (Age 18) Two cars, no violations or accidents in past 3 years, work driving use and pleasure driving use one car 12,000 miles per year; the second car 8,000 miles per year. Rate column as published by the Florida Office of Insurance Regulation: “PIP + PD 1”.	21	$749	$1,489	$1,921	$2,948	$7,054
Family with Young Drivers — All Coverages 2 Profile as the regulator defines it Married Male (Age 50), Married Female (Age 50), Single Male (Age 20), Single Female (Age 18) Two cars, no violations or accidents in past 3 years, work driving use and pleasure driving use one car 12,000 miles per year; the second car 8,000 miles per year. Rate column as published by the Florida Office of Insurance Regulation: “All Coverages 2”.	21	$3,012	$6,841	$7,669	$12,418	$23,022

What these figures are, and what they are not

Each figure is computed from the premiums insurers filed with Florida Office of Insurance Regulation for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.

FLOIR publishes two rate columns for each example driver — a PIP + property-damage column and an all-coverages column. They are separate published figures for the same driver and are never combined. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.

What Florida requires by statute

Florida's statutory position is set out in full on its requirements page. The survey above prices the coverage FLOIR defined for it, which is a separate question from what the law obliges a driver to carry. Car-insurance requirements in Florida.

Coverage gap calculator

A liability limit caps what the policy pays. Anything above it is the at-fault driver’s own exposure. This works out the difference against the limits in your state’s statute — nothing else.

State

Coverage

Limits to measure against

Claim against you (USD)

Above the limit

$32,000

A $42,000 property damage claim against Florida’s statutory minimum property damage of $10,000 leaves $32,000 above the limit.

Florida allows a combined single limit of $30,000 as an alternative to the split limits. A combined single limit applies to the whole accident, not per coverage type.

General information, not insurance, financial or legal advice. Coverage requirements change; verify with your state insurance department or the statute before acting. Nothing you type here leaves your browser.

Questions about Martin County

What do drivers in Martin County pay for car insurance?: There is no single answer, which is the point of the table above. For the middle profile of the 6 FLOIR publishes for Martin County, the median filed rate is $1,921 across 21 filed rates, and the filed rates for that one profile run from $749 to $7,054.
Are these figures quotes?: No. They are rates insurers filed with Florida Office of Insurance Regulation for hypothetical drivers the regulator defined. Nobody is offered these prices; they describe filings.
Does this coverage match Florida's legal minimum?: Florida's statutory position is set out on its requirements page; the survey's coverage basis is stated on this page and is not always the same thing.

Source: Florida Office of Insurance Regulation, no rates-effective date published. Retrieved 9 August 2026. 124 filed rates from this survey are aggregated into the 6 distributions above. Statewide, the survey holds 4,092 filed rates across 198 distributions.

Spread on the middle profile: 9.4×.