Car Insurance Requirements in Florida (2024)

Florida, a no-fault state, requires drivers to carry a minimum of $10,000 in personal injury protection and $10,000 in property damage liability coverage.

Cassie Sheets
Written byCassie Sheets
Cassie Sheets
Cassie SheetsData Journalist
  • 9 years writing data-driven content

  • Lifestyle contributor to 30+ local news sites

Cassie Sheets has a background in home and garden and real estate content. At Insurify, she translates industry jargon into insights that empower insurance buyers.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated April 22, 2024

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Cheapest recent rates in Florida

Drivers using Insurify have found quotes as cheap as $52/mo for liability only and $81/mo for full coverage in Florida.

*Quotes generated for Insurify users from Florida within the last 10 days. Last updated on April 22, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 22, 2024. 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 April 22, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 22, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements vary widely by state. Florida requires drivers to purchase two primary coverages, but the state’s no-fault insurance system can get complicated. Understanding the specific mandates in Florida will help you comply with the law and avoid facing harsh penalties for driving without sufficient auto coverage.

In addition to the mandatory minimum insurance, drivers often purchase additional coverages to extend their financial protection from at-fault accidents. The overall average monthly rate for car insurance in Florida is $257, which is higher than the national average of $158.

Here’s what you need to know to hit the road with confidence in the Sunshine State.

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Florida car insurance requirements

Florida has a 10/10 minimum requirement, meaning drivers must carry $10,000 in two specific types of motor vehicle coverage. This is among the lowest minimum requirements in the U.S. Knowing what the required car insurance pays for can help you decide if you want to add additional coverage to your policy.

Personal injury protection

The state of Florida requires drivers to carry $10,000 in personal injury protection (PIP) for all registered cars. PIP coverage protects you and your passengers if you’re injured in a car accident, regardless of who’s at fault. The minimum required PIP insurance covers 80% of your necessary medical expenses, lost wages, and other injury-related costs up to $10,000.[1]

PIP provides financial support as quickly as possible if you sustain injuries in a car accident. Florida is a no-fault state, so drivers need to file medical and economic loss claims with their own insurance companies after a crash, regardless of fault.[2] Unlike most states, Florida doesn’t require bodily injury liability insurance because PIP covers medical bills.

Property damage liability

Florida drivers also need to carry $10,000 in property damage liability coverage. This insurance covers accident-related damage you cause to another person’s vehicle or property. However, property damage liability doesn’t cover damage to your own vehicle.

Collision insurance is typically included in full-coverage policies and pays to repair or replace your vehicle after a car accident, regardless of fault. If you’re concerned about unexpected out-of-pocket expenses, consider purchasing collision coverage to extend coverage to your own vehicle.[3]

Do you need more than state-minimum coverage in Florida?

Liability-only insurance reduces your out-of-pocket costs after an accident, but you may decide you want more coverage. If you stick to Florida’s 10/10 minimum, your insurer will cover up to $10,000 of personal injury-related expenses and $10,000 in property damage for the other driver.

The average monthly cost of liability coverage in Florida is $214, while full coverage averages $299 in the state. Full-coverage policies usually include collision insurance, which pays for repairs for your vehicle after an accident, and comprehensive coverage, which applies to non-accident related damages from theft, vandalism, severe weather, and more.

If you have a limited budget, liability-only coverage could be the best option for you — especially if you drive infrequently or have an inexpensive vehicle. However, if you lease or finance your car, lenders typically require you to purchase full-coverage insurance. Drivers with expensive or new vehicles can benefit from purchasing a more robust policy.

Good to Know

Insurance professionals recommend purchasing additional coverage because the cost of a severe at-fault car accident can quickly surpass the required liability insurance. For example, the average economic cost of a disabling car accident is $155,000, according to National Safety Council data.5 Purchasing coverage beyond the minimum offers more financial protection.

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The cost of liability-only car insurance in Florida

The average liability-only policy in Florida costs $214 monthly, but some insurers offer more affordable rates. Liability insurance options vary by state, but the coverage required in Florida helps pay for your medical costs and lost wages after an accident and damage to the other driver’s vehicle or property through PIP and property damage liability coverage.

Liability-only insurance doesn’t cover damage to your vehicle from an auto accident or severe weather. You also won’t have coverage if you hit a deer or puncture your tire driving over a pothole, for example. In those scenarios, you would need comprehensive or collision insurance. Because liability coverage is more limited, it’s also more affordable.

You can find the average cost of liability insurance from auto insurers in Florida below.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm70
GEICO72
Hugo77
Allstate122
Safeco130
Mile Auto134
Travelers145
Mercury148
Liberty Mutual156
Direct Auto160
Midvale Home & Auto175
Progressive182
Infinity204
Foremost211
Dairyland216
GAINSCO221
AssuranceAmerica236
Bristol West278
National General310
The General319
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

The cost of full-coverage car insurance in Florida 

Full-coverage insurance is more expensive, but it’s worth the higher monthly payment if you want to avoid considerable unexpected expenses. These policies typically include liability, collision, and comprehensive coverage. The average monthly cost of full-coverage car insurance in Florida is $299, but drivers can find better deals if they shop around.

Here are the average rates for full-coverage insurance from different companies in Florida.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm81
GEICO83
Hugo103
Allstate140
Travelers167
Mercury175
Safeco182
Mile Auto185
GAINSCO223
Infinity239
Liberty Mutual243
Midvale Home & Auto256
Progressive258
Direct Auto265
Foremost314
National General314
AssuranceAmerica333
Dairyland385
Bristol West399
The General458
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Penalties for driving without proof of insurance in Florida 

Penalties for driving without insurance in Florida are severe. Drivers can face the following consequences if they allow insurance to lapse:

  • Driver’s license suspension: This can last for up to three years.

  • License plate and registration suspension: This can last for up to three years.

  • License reinstatement fee: You could face a fee of up to $500 to restore driving privileges.

You need to maintain continuous coverage for all vehicles with four or more wheels in Florida. Even if you no longer drive the car, or it’s nonfunctional, you still need to carry the state minimum insurance. Florida also doesn’t offer provisions for temporary or hardship licenses if your license suspension was insurance-related.

Optional car insurance coverages to consider

In addition to the required PIP and property damage liability insurance, you can purchase additional car insurance. Common optional coverages include:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    This helps pay for your repairs if your vehicle sustains damage in a collision with another car or object such as a tree, fence, or light pole. It can also pay in case of a rollover accident or pothole damage. Collision coverage also covers the actual cash value of your vehicle, which is the value of your car factoring in depreciation.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If a non-collision event causes damage to your vehicle, comprehensive coverage kicks in to help pay for car repair or replacement costs. This applies to damage from severe weather, natural disasters, fire, theft, vandalism, cracked windshields (with no deductible in Florida) and more. Florida's frequent weather events, including hurricanes, torrential rains, and flooded roads, can make comprehensive coverage particularly valuable to the state's drivers.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If you’re in an accident with an uninsured driver, this coverage pays for your costs. In Florida, your PIP insurance covers injury-related expenses for you and your passengers, but you could face a hefty repair bill if the other driver doesn’t have property damage liability coverage. You can also purchase underinsured motorist coverage, which protects you if a driver doesn’t have enough insurance to cover your damages after an accident. Florida has one of the highest rates of uninsured drivers in the country; 20.4% of the state's drivers are uninsured, according to the Insurance Research Council.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Also called guaranteed asset protection, gap insurance covers the difference between what you owe on your car and your vehicle’s actual cash value if you total your vehicle or someone steals it. Gap coverage helps you pay off your auto loan, so you’re not stuck with payments for a car you can’t drive.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Accident forgiveness

    This optional coverage can prevent a rate increase following your first at-fault accident. Typically, you'll need to have a good driving history with no recent at-fault accidents to be eligible for accident forgiveness coverage.

Florida car insurance requirements FAQs

Florida has severe penalties for driving while uninsured or underinsured, so it’s important to understand the state’s car insurance requirements. Here’s what you need to know to make sure you have the right amount of coverage.

  • Is car insurance required in Florida?

    Yes. Florida drivers must carry a minimum of $10,000 in PIP and $10,000 in property damage liability coverages. Under state law, drivers must surrender their license plates to cancel car insurance policies. Otherwise, drivers need to carry continuous coverage, even for vehicles they don’t drive.

    Drivers without the mandatory minimum auto insurance face severe penalties under Florida law, including three years of license suspension and a reinstatement fee of up to $500.

  • Do you need car insurance to register a car in Florida?

    Yes. Florida drivers must show proof of insurance to register a car. If you want to drive any vehicle with four or more wheels in the state, you first need to secure the mandatory minimum in personal injury protection and property damage liability coverage from a company licensed to sell insurance in Florida.

  • Does insurance follow the car or the driver in Florida?

    In Florida, insurance coverage follows the car. Whether your babysitter uses your car for after-school pickups or a friend borrows it for a weekend getaway, for example, your insurance will typically cover your vehicle if someone else is driving it, and you've given them permission to use your car. In most states, including Florida, when you lend your car to someone, you also lend them your insurance coverage.

    If the driver who borrows your car has an accident, your PIP and property damage liability coverage follows the vehicle. Even if you’re not driving, your insurance can help pay for medical costs, lost wages, and damage to the other driver’s car or surrounding property.

  • What’s the new law for auto insurance in Florida?

    Florida car insurance laws underwent a major change in March 2023 with the enactment of House Bill (HB) 837. The sweeping tort reform aims to protect insurance companies from fraud and frivolous lawsuits.

    However, policyholders may have less power to sue insurers for underpaid or denied claims because HB 837 ended one-way attorney fees. Previously, plaintiffs could receive reimbursements for attorney fees if they won any amount of recovery, but they’re now responsible for their own legal costs.

    However, despite reforms, "the volume of auto claim-related lawsuits being filed in Florida is still at an extreme level compare to most other states," said Mark Friedlander, director of corporate communications at the Insurance Information Institute.

  • Is Florida a no-fault state?

    Yes. Florida is a no-fault state for car insurance. In no-fault states, drivers file claims with their own insurance companies if they get into an accident, regardless of who’s at fault. In at-fault states, drivers responsible for accidents must file a claim with their insurers to cover the cost of car repairs and medical bills for the other party involved.

Sources

  1. Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  2. NOLO. "Florida No-Fault Car Insurance."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
Cassie Sheets
Cassie SheetsData Journalist

Cassie Sheets has more than nine years of experience creating compelling content for clients, brands, and local news sites. She started her career at Movoto Real Estate, where she transformed dry data into interesting insights for potential homebuyers. She’s since covered a wide range of topics, from pop culture news to home and garden trends.

Before joining Insurify, Cassie wrote engaging landing pages and blog posts for medical practices at MyAdvice. Now, she uses her knack for diving into the latest data and pulling out key details to empower insurance buyers.

Cassie holds a BFA in Creative Writing from Columbia College Chicago. In her free time, you can find her exploring the city with her dog, trying not to fall over in yoga classes, and petting cats at the shelter.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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