Why is car insurance so expensive in Florida? Insurance expert weighs in on high rates

According to Bankrate’s January 2025 data, Florida is the state with the most expensive average annual cost for full coverage car insurance, at an average of $4,171 each year, which is 58% higher than the national average of $2,638.
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https://www.floridatoday.com/story/news/2025/02/13/why-car-insurance-expensive-florida-cheap-insurance-rates/78452091007/

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Michael Ziegler Managing Partner
Michael A. Ziegler is the Founding Partner at Ziegler Diamond Law, where he represents consumers throughout Florida in complex financial and consumer protection matters. He is a licensed Florida attorney with a focused practice in consumer protection law, debt defense, bankruptcy, and credit reporting disputes. With more than a decade of legal experience, Michael has helped hundreds of individuals defend against debt collection lawsuits, pursue relief through Chapter 7 and Chapter 13 bankruptcy, and enforce their rights under the Fair Debt Collection Practices Act (FDCPA) and other consumer protection laws. Michael is admitted to practice law in the State of Florida and is an active member of the Clearwater Bar Association, where he serves as Chair of the Bankruptcy Section. When not advocating for clients, Michael enjoys spending time with his family, camping, and investing in real estate.