Car Insurance in Florida
Florida has unusual car insurance rules. As a no-fault state, it requires $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) — but, unlike most states, it does not currently mandate bodily injury liability coverage.
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Florida at a glance
Data as of 2023Average cost
$1,865/yr
≈ $155/mo
vs U.S. average
+45%
above the national avg of $1,282/yr
Required minimums
$10K PIP
+ $10K PDL
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Florida has unusual car insurance rules. As a no-fault state, it requires $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) — but, unlike most states, it does not currently mandate bodily injury liability coverage.
Under no-fault, your own PIP coverage pays your medical bills after a crash regardless of who caused it. Note that Florida is scheduled to move to an at-fault system on January 1, 2027, which will add mandatory bodily injury limits.
Florida minimum car insurance requirements
Florida currently requires $10,000 of PIP and $10,000 of property damage liability. Because bodily injury coverage is optional today, many Florida drivers add it voluntarily to protect themselves financially — and it will become mandatory in 2027.
Florida is no-fault: $10,000 PIP + $10,000 PDL, with no bodily injury liability required. This changes January 1, 2027.
How much does car insurance cost in Florida?
The average driver in Florida pays $1,865 per year for auto insurance — that's 45% above the U.S. national average of $1,282/yr. Higher-than-average rates often reflect denser traffic, higher claim severity, or stricter state coverage requirements.
Florida vs the national average
45% above the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Florida premiums have changed since 2019
Auto insurance costs in Florida have risen 25% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Florida vs national average
Florida is up 25% from $1,489 in 2019 to $1,865 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Florida policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Florida
Driving uninsured in Florida can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Florida
Rates for the same driver can vary widely between insurers in Florida, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 28, 2026. Always confirm current minimums with your state’s Department of Insurance.
Florida car insurance FAQs
Common questions about auto insurance in Florida
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