Insurance
Car Insurance in Florida
Published September 24, 2026 · Last updated October 1, 2026
Advertiser disclosure: AssistQuote may be paid when you visit or do business with a partner through our links. The provider sets your price. How we make money
The short answer
Florida car insurance has to include at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability. That's it for the legal minimum. But the minimum doesn't cover injuries you cause to other people, which can leave you open to a lawsuit after a bad crash.
Comparing quotes is the best way to get more protection without overpaying.
Florida drivers spent about $1,372 a year on car insurance on average in 2023, the 6th highest in the country. Your price depends on your zip code, your driving record, your car, and the coverage you pick.
- No phone number neededSee costs and options before you share any contact details.
- Real price ranges, with sourcesWe name where every number comes from and when it was published.
- You choose who to contactWe show options. You decide if, when and who to reach out to.
We never ask for a Social Security number, date of birth or documents.
Florida car insurance requirements
To register a car in Florida, you need two coverages:
- $10,000 personal injury protection (PIP). PIP pays for your own medical bills and some lost pay after a crash, no matter who caused it.
- $10,000 property damage liability (PDL). This pays for damage you cause to someone else's car or property.
You must keep this coverage the whole time your car is registered, even if you aren't driving it. Florida doesn't give you a grace period. If your coverage lapses, the state can suspend your license and registration.
After a DUI: the FR-44
A DUI conviction changes the rules. Florida then requires an FR-44, a form your insurer files to prove you carry much higher limits: $100,000 per injured person, $300,000 per crash, and $50,000 for property damage. You must keep those limits for at least 3 years. That's far above the regular minimum, and the price usually reflects it.
How no-fault works in Florida
Florida is a no-fault state. That means after a crash, you use your own PIP first for your injuries, no matter who caused it. PIP usually pays 80% of reasonable medical bills and 60% of lost income, up to your $10,000 limit.
The 14-day rule
Florida law says you must get medical care within 14 days of a crash to use your PIP. If you wait longer, you may lose your PIP benefits completely. Even if you feel fine, it's worth getting checked.
Emergency medical condition
To get the full $10,000, a doctor or other qualified provider must say you had an emergency medical condition. That means a serious injury that needed quick care. If not, your PIP may only pay up to $2,500.
The big gap: bodily injury liability
Florida doesn't require bodily injury liability. Bodily injury liability pays for injuries you cause to other people. Without it, if you cause a crash and someone is badly hurt, they may sue you, and you may have to pay out of your own pocket.
That's why many drivers add bodily injury liability even though it isn't required.
One in five Florida drivers has no insurance
The Insurance Research Council estimates 20.6% of Florida drivers were uninsured in 2023, the 7th highest share in the country. And since Florida doesn't require bodily injury liability, even insured drivers may have nothing to pay for your injuries beyond your own $10,000 of PIP.
Uninsured motorist coverage fills that gap. It pays for your injuries when the at-fault driver has little or no coverage. For a serious injury in Florida, it may be the only coverage that pays beyond your PIP.
Hurricanes and flooded cars
Florida storms flood a lot of cars. Liability and PIP don't pay to fix or replace your own car after a flood. Comprehensive coverage does. If you live near the coast or in a low area, ask whether your quote includes it, and what the deductible is. See Miami car insurance for more on South Florida.
How to find the best car insurance in Florida
Compare the same coverage. A cheap quote may be minimum coverage only. Line up the liability limits, PIP, uninsured motorist, and deductibles side by side.
Ask about discounts. Many providers offer discounts for safe driving, bundling with Florida homeowners insurance, good grades, or paying in full.
Check complaints. Look up any company on the NAIC Consumer Insurance Search to see how its complaint record compares to others its size.
Florida car insurance laws you should know
Lapses lead to suspension. If your coverage lapses, Florida can suspend your license and registration. To get them back, you'll need proof of new coverage and a reinstatement fee. It's $150 the first time, $250 the second, and $500 after that within three years.
Fault still matters. Since 2023, Florida uses a modified comparative negligence rule. If you're found more than 50% at fault for a crash, you generally can't collect damages from the other driver in a lawsuit. That's one more reason to carry good coverage of your own.
What to ask before you choose
- Should I add bodily injury liability? What limits make sense for what I own?
- Does this quote include uninsured motorist coverage?
- What are my collision and comprehensive deductibles?
- Does comprehensive cover flood and hurricane damage to my car?
- Which discounts do I qualify for?
Related services
Compare Florida homeowners insurance, renters insurance, flood insurance, or umbrella insurance for extra liability protection.
More car insurance guides: Car insurance cost · SR-22 insurance · High-risk car insurance · Liability-only car insurance · Car insurance for teens · How to lower car insurance · What affects your auto insurance price · What comprehensive covers · Car insurance without a car · Umbrella insurance · All car insurance
Car insurance by city: Houston · Dallas · Chicago · Atlanta · Miami · Philadelphia · Phoenix · Charlotte · San Antonio · Austin · Fort Worth · Seattle · Las Vegas · San Diego · Denver · Memphis
Car insurance in more states: Michigan · Arizona · North Carolina · Pennsylvania · Illinois · Massachusetts · New Jersey · Indiana · Colorado · Alabama · Louisiana · South Carolina · Virginia · Maryland · Oklahoma · Washington · Nevada · Tennessee · New York · Wisconsin · Utah · Maine · Minnesota · Arkansas · Delaware · Idaho · Kentucky · Mississippi · Iowa · Vermont · New Hampshire · Nebraska · New Mexico · Rhode Island
More Florida guides: Florida homeowners insurance · Florida roofing laws · Florida home equity loans · Florida cash-out refinance · Miami car insurance
Explore by state
Why AssistQuote is different
On some websites
They ask who you are first
Some forms want your name and phone number before they show you anything useful. You may not know which companies will get it, or how many will call.
Here, you choose
Answer a few questions without giving your name, email or phone number. See prices, what to ask, and providers to explore. You choose who to contact and what to share with them.
- 1
Check local costs
See typical price ranges for your area and what moves the price up or down.
- 2
Tell us what you need
Answer a few questions about the work, not about who you are.
- 3
You decide what's next
Save or email your options, or visit a provider when you're ready.
Cost information is not a live rate, quote or offer. A provider shown here is not an endorsement. Each provider sets its own prices, privacy and contact rules.
Questions people ask
Ready to see auto insurance options in Florida?
Start with your ZIP code. You will see typical local costs and options to explore. No phone number, email or name needed to look.
You choose if, when and who to contact.
Related services
Life Insurance
Compare life insurance options to help protect the people who depend on you.
Final Expense Insurance
Compare small whole life options intended to cover funeral and end of life costs.
Umbrella Insurance
Explore additional liability coverage above your existing policies.
Homeowners Insurance
Compare homeowners coverage options for your house and belongings.
Sources
- Florida Department of Highway Safety and Motor Vehicles, Florida insurance requirements
- NAIC auto insurance expenditures (2023 data), via Insurance Information Institute
- Florida Statutes §627.736, Personal injury protection
- Florida Statutes §324.0221, Reports by insurers; suspension and reinstatement
- Florida House of Representatives, HB 837 (2023) bill analysis
- NAIC Consumer Insurance Search
- Florida Statutes §324.023, Financial responsibility for bodily injury or death (FR-44)
- Insurance Research Council estimates of uninsured motorists (2023), via Insurance Information Institute