120+ more*Quotes generated for Insurify users from Florida within the last 10 days. Last updated on June 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Florida within the last 10 days. Last updated on June 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Updated
Coverage  | Minimum Requirement in Florida |
|---|---|
| Property damage liability | $10,000 |
| Personal injury protection | $10,000 |
In Florida, your insurance must include at least $10,000 in property damage liability (PDL) and $10,000 in personal injury protection (PIP) coverage (also called 10/10 coverage).[1] That’s a low minimum compared to many states.
In nearby Georgia, for example, drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability (BIL) and $25,000 in PDL.
Florida requires drivers to have at least $10,000 in PDL insurance. PDL covers damage you cause to another person’s vehicle or personal property during an accident.
PDL won’t pay to repair your vehicle after an accident. Consider a full-coverage insurance policy that includes comprehensive and collision coverage to help protect your car.[2]
Florida is a no-fault state for car insurance, meaning each driver must have at least $10,000 in PIP coverage. After an accident with injuries, each driver files a personal injury claim with their own insurer, regardless of who caused the accident.
PIP covers you and any passengers in your car at the time of the accident. While many states also require BIL coverage, Florida law makes it optional.
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The Sunshine State’s 10/10 coverage requirements are relatively low. While these minimum amounts may be sufficient for a minor accident, costs can quickly add up.
If property damage or medical bills exceed $10,000 each, you’re responsible for covering those additional costs out of pocket.
Increasing your coverage can minimize your costs after an accident, but you’ll typically pay higher premiums. Below are recommended coverage levels and types for Florida drivers.
Coverage Type | Recommended Amount |
|---|---|
| Property damage liability | $100,000 per accident |
| Personal injury protection | At least $10,000 |
| Bodily injury liability | $100,000 per person / $300,000 per accident |
| Uninsured/underinsured driver | $100,000 per accident |
| Collision | $500, but may vary depending on your car’s value |
| Comprehensive | $500, but may vary depending on your car’s value |
Per the Florida Financial Responsibility Law, drivers with an incident on their record have higher minimum requirements.[3]
Drivers who have caused an accident involving bodily injury or death must carry BIL of at least $10,000 per person and $20,000 per accident.
Drivers convicted of driving under the influence (DUI) must have at least $100,000 per person and $300,000 per accident for BIL and at least $50,000 in PDL.
If you lease or finance your car, your agreement likely requires you to have collision and comprehensive coverage. Your lender can purchase a policy and charge you for it if you don’t maintain coverage. This is a force-placed policy.
It’s typically cheaper to buy your own policy because you can shop around to find the best car insurance in Florida that suits your budget. Force-placed policies also may not meet Florida’s minimum insurance requirements, which could result in a license suspension.
The average cost of car insurance in Florida is $137 per month for state-minimum coverage and $235 per month for full coverage. Although Florida has relatively low minimum requirements, insurance in Florida costs more than the national monthly averages of $98 for liability-only coverage and $186 for full coverage.
No-fault states like Florida often struggle with fraudulent PIP claims, which can raise coverage costs.[4] The Sunshine State also sees plenty of severe weather, including flooding, thunderstorms, and hurricanes, increasing comprehensive claims and pushing up insurance rates.
If you’re in an accident that requires medical treatment, you’ll need to file an injury claim with your own PIP insurance. Since the average cost of an inpatient hospital stay in Florida is $3,060 per day, your medical costs could quickly exceed the $10,000 minimum PIP requirement.
Increasing your coverage can provide better financial protection, but you’ll pay more in premiums.
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Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $78 |
| State Farm | $80 |
| Mile Auto | $84 |
| Clearcover | $85 |
| GEICO | $92 |
| Dairyland | $102 |
| Embark | $105 |
| Infinity | $111 |
| Direct Auto | $119 |
| GAINSCO | $120 |
| Mercury | $120 |
| The General | $127 |
| Bristol West | $136 |
| AssuranceAmerica | $139 |
| Allstate | $140 |
| National General | $143 |
| Root | $154 |
| Insurify Car | $163 |
| Travelers | $166 |
| Hugo | $202 |
| Mendota | $224 |
| First Acceptance | $228 |
| Liberty Mutual | $228 |
Driving without insurance can have serious consequences in the Sunshine State. Penalties for driving without insurance in Florida include the following:
License suspension: The state can suspend your driver’s license and license plate for up to three years if you’re caught driving without insurance.
Reinstatement fee: Once you’ve met the requirements, you may be required to pay a reinstatement fee of up to $500. Reinstating your license in person comes with a $6.25 service fee.
Form SR-22: You can keep your license by purchasing a six-month PIP policy before the effective date of your license suspension. Your insurer will issue an SR-22, which is proof of insurance for the Florida Department of Highway Safety and Motor Vehicles.
Meeting Florida’s minimum insurance requirements lets you drive legally in the state. But if you’re in an accident, minimum auto insurance coverage may not be sufficient.
The following additional coverages are worth considering in Florida:
Uninsured/underinsured motorist coverage: Just under 5% of Florida drivers are uninsured. Uninsured motorist coverage lets you make a claim through your own insurance for damage caused by an at-fault driver who doesn’t have insurance.
Comprehensive and collision coverage: If you’re one of the 29.5% of Floridians who, according to Insurify data, have a car loan, your lender may require both coverages. Comprehensive insurance covers damage from non-collision events, including severe weather, animal strikes, theft, and vandalism, while collision insurance pays for vehicle repairs after an accident.
Medical payments coverage (MedPay): Under Florida law, PIP covers only 80% of qualifying medical bills. Adding MedPay can cover the additional 20% that PIP doesn’t cover.
Answers to common questions about Florida car insurance requirements can help you find the best coverage at the right price.
No. Florida doesn’t require drivers to carry bodily injury liability insurance. Instead, drivers must have at least $10,000 of PIP coverage.
Yes. Florida is a no-fault state, which means drivers must carry PIP coverage. After an accident, each driver files a claim with their own insurance company.
Florida PIP insurance covers up to 80% of medical expenses and up to $5,000 for funeral expenses after a car accident, regardless of which driver caused it.
Yes, the state of Florida can suspend your license if you don’t meet the minimum car insurance requirements. You can reinstate your license once you have coverage, but you’ll pay up to $500 in fees and may pay higher insurance rates as a high-risk driver.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.