Maintained by the Best Car Insurance Florida editorial team · Lead editor Renata Alves · Reviewed
Answer in brief
Florida requires only $10,000 PIP and $10,000 property damage liability, yet it is one of the most expensive states to insure a car—full coverage commonly costs $2,500–$3,500 a year, and more in South Florida. The state's no-fault system, high uninsured-driver rate and hurricane exposure make three decisions matter more here than elsewhere: carrying bodily injury and uninsured motorist coverage, keeping comprehensive for storms, and comparing several insurers, because the spread for the same Florida driver is often more than $1,000 a year.
Florida car insuranceNo-fault PIP systemUninsured motorist protectionTerritory-driven pricing
What makes Florida different
Three features set Florida apart. It is a no-fault state, so your own policy pays your first medical costs. It does not require bodily injury liability for most drivers, so the legal minimum offers almost no protection against the injuries you might cause. And it has one of the highest uninsured-driver rates in the country, so what the other driver carries is often nothing. Add hurricane season and the dense South Florida corridor, and you have the most expensive large-state market in the United States.
How to use this guide
- 1
Understand the minimum
Start with Florida's requirements and how PIP works so you know what 10/10 does and does not cover.
- 2
Decide on real protection
Read the uninsured motorist and full coverage guides to set your limits and deductibles.
- 3
Check your territory
The by-city guide shows how much your address drives the price.
- 4
Compare properly
Follow the comparison method so every quote prices the same coverage.
Who this site is for
Drivers who live in Florida or are moving here and need to choose, renew or compare an auto policy. It is also written for people who already have a policy and suspect it is either too thin or too expensive—usually both are true of a minimum-coverage policy in this state. We do not give legal advice and do not recommend specific insurers.
Start with the right guide
Each guide covers one decision in the best car insurance in Florida journey. Read them in order or jump to the one that matches your situation.
Guide
Florida Car Insurance Minimum Requirements
Florida requires $10,000 PIP and $10,000 property damage liability. What that covers, what it leaves out, and why most drivers carry more.
Guide
Florida PIP and No-Fault Insurance Explained
How Florida's no-fault system works, what the $10,000 PIP benefit pays, the 14-day rule, and the permanency threshold for suing.
Guide
Average Cost of Car Insurance in Florida
Why Florida has some of the highest auto insurance premiums in the country, how costs vary by city and driver, and what moves the number.
Guide
Full Coverage Car Insurance in Florida
What full coverage means in Florida, when you need it, how to choose deductibles, and how hurricane season affects comprehensive coverage.
Guide
Uninsured Motorist Coverage in Florida
Why uninsured motorist coverage matters more in Florida than almost anywhere, stacked vs non-stacked UM, and how to choose limits.
Guide
Car Insurance for Hurricanes and Floods in Florida
Which auto coverage pays for hurricane, storm surge and flood damage in Florida, how binding restrictions work, and how to prepare before a storm.
Practical entries
Shorter, specific answers that sit inside the guides above.
Car Insurance in Miami
Why Miami-Dade is Florida's most expensive insurance territory, typical costs, and how Miami drivers can keep premiums manageable.
Car Insurance in Orlando
Orlando car insurance costs sit near the Florida average. What drives rates in Orange County and how to compare quotes locally.
Car Insurance in Tampa
Tampa Bay car insurance costs, the I-275 and Gandy corridors, storm surge exposure, and how Hillsborough and Pinellas rates compare.
Car Insurance in Jacksonville
Jacksonville has some of the lowest car insurance costs among Florida's large cities. Why Duval County is cheaper and what still matters.
Why Florida Car Insurance Rates Are So High
A closer look at the five structural reasons Florida premiums are among the highest in the United States, and which ones are changing.
What Happens If You Are Hit by an Uninsured Driver in Florida?
Learn what covers medical bills and vehicle repairs after an uninsured crash in Florida, including PIP limits, tort rules, and uninsured motorist coverage.
Senior Driver Car Insurance Discounts in Florida: Requirements and Savings
Florida drivers 55 and older can earn a mandatory 3-year auto insurance discount under state law by completing an approved accident prevention course.
Stacked vs. Non-Stacked UM Insurance in Florida: Differences and Rules
Learn the difference between stacked and non-stacked uninsured motorist coverage in Florida, statutory requirements, costs, and how to choose the right policy.
Quote finder
Compare best car insurance in Florida quotes for your situation
Questions & answers
What is the minimum car insurance in Florida?
$10,000 of personal injury protection and $10,000 of property damage liability. See minimum requirements.
How much does car insurance cost in Florida?
Typically $2,500–$3,500 a year for full coverage and $900–$1,400 for minimum coverage, with South Florida higher. See average cost.
Is Florida a no-fault state?
Yes. Your own PIP pays your first $10,000 of medical costs regardless of fault. See PIP and no-fault.
Do I need bodily injury liability in Florida?
It is not required for most drivers but is strongly recommended, and it is mandatory at 100/300 after a DUI. See FR-44.
Does my car insurance cover hurricane damage?
Only if you carry comprehensive. See hurricanes and floods.
Sources and references
Legal figures on this page (minimum limits, filing periods, statutory benefits) are checked against the primary law or the state insurance regulator listed below. Links and figures last verified Nov 2026.
- Background on: No-fault auto insurance — Insurance Information InstituteIndependent researchWhich states use personal injury protection (PIP), how no-fault thresholds work, and reform history including Michigan and Florida.
- Insurance Research Council — Insurance Research CouncilIndependent researchIndependent, industry-funded research on uninsured motorists, claim trends and litigation.
- Facts + Statistics: Uninsured motorists — Insurance Information Institute (2024)Statistical dataInsurance Research Council estimates of uninsured drivers by state (2022: e.g. Michigan 19.6%, California 17.0%, Florida 15.9%, Texas 13.8%).
- What is covered by a basic auto insurance policy? — Insurance Information InstituteConsumer guidanceDefines bodily injury and property damage liability, MedPay, PIP, uninsured/underinsured motorist, collision, comprehensive and glass coverage.
- What determines the price of an auto insurance policy? — Insurance Information InstituteConsumer guidanceRating factors: driving record, mileage, location, age, gender, vehicle, credit-based insurance score, coverage choices. Notes ZIP-code rating is prohibited in California and Michigan and gender rating is prohibited in seven states.
Practical guidance on this page is original editorial work. Cited sources support factual statements and do not endorse this site. Dollar ranges described as typical or illustrative are editorial estimates, not figures from these sources.
From the blog
Commentary, rate-trend notes and reader questions.
August 11, 2026
Reader Question: I Signed the UM Rejection Form. Can I Undo It?
A reader rejected uninsured motorist coverage to lower a quote and now wants it back. The answer is yes—with one timing caveat.
June 2, 2026
Why You Can't Buy Car Insurance When a Hurricane Is Coming
Every storm season, Florida drivers discover binding restrictions the hard way. Here is how they work and when they lift.