Car Loan Calculator Detailed for Florida

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Calculate by State >  Florida 

How are car loans in Florida calculated?

Florida includes the sale price, doc fee, extended warranties, and prepaid maintenance in the taxable amount of an auto loan but does not include the trade-in value.

Therefore, car buyers get a tax break on trade-in vehicles in Florida.

The state tax rate is 6%, but the total tax must include a county surtax ranging from 1/2% to 2% levied upon a maximum of $5000 of the taxable value. Some counties do not charge the surtax.

Select your location to view your amount, and see our car tax calculator for more details.

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Cost Breakdown

In our calculation, the taxable amount is $ which equals the sale price of $ plus the doc fee of $ plus the extended warranty of $ minus the trade-in value of $.

DMV fees are about $ on a $ vehicle based on a flat fee that fluctuates depending on vehicle usage and weight.

View the Florida state fee estimator to verify your registration cost, and use our DMV Override to adjust the calculator.

Consumer Advice

GAP insurance is not taxed in Florida.

You can include maintenance on the warranty line of the calculator for accurate tax handling.

The documentation fee is set by the dealer, but is not negotiable so clarify upfront what the dealer charges. The customary doc fee is $799 in Florida but may differ as there is no maximum set by the state.

Dealer Quote

Thank you for considering our dealership for your new vehicle! I can offer you a net price of $ which equals the dealer sale price of $ minus the factory rebate of $.

I can purchase your trade vehicle for $, payoff your loan up to $, and apply the balance of $ to this purchase. The estimated tax and registration combined is $, but this may vary based on your vehicle type, weight, and usage. Our required dealer documentation fee is $.

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