Florida Car Insurance Requirements

Minimum Coverage Requirements

Florida requires every registered vehicle to carry $10,000 of personal injury protection (PIP) and $10,000 of property damage liability. Bodily injury liability is not required for most drivers — it becomes required after certain accidents or violations, such as a DUI, under Florida’s financial responsibility law. Personal Injury Protection (PIP) is also required, covering medical expenses regardless of fault.

Average Car Insurance Costs in Florida

Drivers in Florida typically pay approximately $2,560 per year ($213/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Florida

State Regulations and Key Rules

Florida is a no-fault state requiring $10,000 in PIP and $10,000 in property damage liability. Bodily injury liability is not required for most drivers, though it is strongly recommended. Florida has one of the highest uninsured driver rates in the nation.

What Makes Florida Unique

Florida's unusual minimum requirements — no mandatory bodily injury liability — mean at-fault drivers can legally cause serious injuries without bodily injury coverage. Drivers should strongly consider carrying bodily injury liability well above the state minimum.

Uninsured Drivers in Florida

Approximately 20.4% of drivers in Florida are estimated to be uninsured. This is a notably high uninsured rate — UM/UIM coverage is strongly recommended and, in many cases, essential for adequate financial protection.

Risk Factors Specific to Florida

Hurricane season (June–November) significantly increases comprehensive claims statewide. Miami and Fort Lauderdale have extremely high rates of insurance fraud, which drives up costs for all drivers. Flooding risk is significant across much of South Florida.

What Florida’s Minimum Actually Covers

Florida is one of the few states that doesn’t require bodily injury liability for most drivers. The required $10,000 of property damage liability is the only coverage that pays for damage you cause to someone else’s vehicle — and with new vehicles averaging roughly $50,000, totaling one would leave you personally responsible for about $40,000. If you injure someone, you have no liability coverage at all unless you buy it, which is why bodily injury coverage is strongly recommended despite not being mandatory.

No-Fault, PIP, and Required Add-Ons in Florida

Florida is a no-fault state: after most accidents, your own personal injury protection (PIP) pays your medical bills and some lost wages regardless of who caused the crash. Required PIP: $10,000. You can generally sue the at-fault driver for pain and suffering only when injuries pass the state’s threshold. Uninsured motorist coverage isn’t mandatory in Florida, though insurers generally must offer it and you may have to reject it in writing.

How Florida Compares: Uninsured Drivers and Price

An estimated 20.4% of Florida drivers are uninsured — roughly 1 in 5 — one of the highest uninsured rates in the country. At that rate, uninsured motorist coverage is one of the most valuable add-ons you can buy.

Our average premium estimate of $2,560 a year puts Florida among the ten most expensive states in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Florida

Florida rates vary enormously by ZIP code — Miami-Dade rates can be nearly double those in the Panhandle. Shopping quotes from multiple insurers is especially important in Florida. Telematics and pay-per-mile programs can offer significant savings for drivers who avoid rush hour or drive limited miles. Installing anti-theft devices helps in high-theft urban areas.

• Florida's required $10,000 PIP and $10,000 property damage coverage is the legal floor, not a safe target — since Florida already requires PIP coverage, review whether that limit alone would cover a serious injury claim.
• With an estimated 20.4% of Florida drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What car insurance is required in Florida?

Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property damage liability on every registered vehicle. Bodily injury liability is not required for most drivers but becomes required after certain accidents or violations.

Is Florida a no-fault state?

Yes. Your own personal injury protection pays your medical bills after most accidents regardless of fault. Required PIP: $10,000.

How many drivers are uninsured in Florida?

An estimated 20.4% of Florida drivers are uninsured, roughly 1 in 5.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.