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Florida Auto Insurance Requirements & Rates Guide

Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.

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Florida at a Glance

$10,000

Minimum property damage liability

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP coverage must be on every policy

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

Florida operates as a no-fault state, meaning drivers first turn to their own Personal Injury Protection coverage for medical expenses after an accident regardless of who caused it. The state requires proof of insurance at vehicle registration and during traffic stops. Unlike most states, Florida does not mandate bodily injury liability coverage unless you've been convicted of certain violations, according to the Florida Department of Highway Safety and Motor Vehicles.

Personal Injury Protection (PIP)

PIP is unique to no-fault states and replaces the bodily injury liability requirement found in tort states.

Property Damage Liability (PDL)

Pays for damage your vehicle causes to another person's property, including their car, fence, or building. This is the only liability coverage Florida mandates for all drivers.

Bodily Injury Liability

Covers injuries you cause to others when you're at fault. Florida does not require this for standard drivers, making it one of only two states without a bodily injury mandate. However, if you cause serious injury in an at-fault accident and lack this coverage, you can be sued directly for medical bills, lost wages, and pain and suffering with no policy limit protecting your assets.

Cost Overview

about $155/mo

Average car insurance spending in Florida

Rate data: NAIC Auto Insurance Database, 2023

What Affects Your Rate

  • Population density: Miami, Tampa, and Orlando metro areas see collision claim frequencies 2–3× higher than counties like Liberty or Glades.
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Coverage Types

Liability Insurance

Pays for injuries and property damage you cause to others. Florida requires only $10,000 PDL and $10,000 PIP but not bodily injury liability, leaving drivers vulnerable to lawsuits.

Full Coverage

Bundles liability, collision, comprehensive, and uninsured motorist coverage into a complete policy. Protects both your assets and your vehicle regardless of fault.

Comprehensive Coverage

Covers non-collision damage to your vehicle including theft, vandalism, flooding, hail, and falling objects. Pays the actual cash value minus your deductible.

Uninsured Motorist Coverage

Protects you when an at-fault driver has no insurance or insufficient coverage. Covers your medical bills, lost wages, and vehicle damage up to your policy limits.

Collision Coverage

Pays to repair or replace your vehicle after an accident with another car or object, regardless of who was at fault. Required by lenders on financed vehicles.

SR-22 Insurance

A certificate of financial responsibility filed with the state after DUI convictions, license suspensions, or at-fault accidents without insurance. Not a separate policy but a form attached to your existing coverage.

Find Your City in Florida

Jacksonville

urban

Miami

urban

Tampa

urban

Orlando

urban

St. Petersburg

urban

Hialeah

urban

Port St. Lucie

suburban

Tallahassee

urban

Cape Coral

suburban

Fort Lauderdale

urban

Pembroke Pines

suburban

Clearwater

suburban