Florida Car Insurance
Florida's minimum requirements, average cost, and a free premium estimate — no signup, no quote spam.
Minimum liability
10/20/10
+ $10k PIP (no BI mandate)
Avg. full coverage
$3,200/yr
Liability system
no-fault
Estimate your Florida premium
Estimated annual premium
$1,800
Estimate uses national-average factors. Real quotes vary 30-50% across carriers — always compare 3+.
Florida car insurance requirements
Florida is unusual: it requires $10k PIP and $10k property damage but does not mandate bodily-injury liability, and it has some of the highest premiums in the nation.
Those are only the legal minimums. Minimum liability often isn't enough to cover a serious crash, so many drivers carry higher limits plus collision and comprehensive — especially on a newer or financed vehicle.
Florida car insurance FAQ
What is the minimum car insurance required in Florida?
Florida requires at least 10/20/10 in liability coverage + $10k PIP (no BI mandate) — that's $10k bodily injury per person, $20k per accident, and $10k property damage. Florida is unusual: it requires $10k PIP and $10k property damage but does not mandate bodily-injury liability, and it has some of the highest premiums in the nation.
How much does car insurance cost in Florida?
Full-coverage car insurance in Florida averages roughly $3,200 per year, but your rate depends heavily on age, driving record, vehicle, and ZIP code. Use the estimator above and always compare at least three carriers.
Is Florida a no-fault state?
Florida is a no-fault state. Each driver's own PIP coverage pays their medical bills regardless of who caused the crash.
Why is car insurance so expensive in Florida?
At about $3,200/yr, Florida sits among the pricier states. Dense traffic, higher repair and medical costs, more uninsured drivers, and weather or theft claims all push rates up. Comparing carriers and raising your deductible are the fastest ways to cut the bill.
What's the cheapest way to insure a car in Florida?
Carry at least the 10/20/10 legal minimum, then lower cost by comparing 3+ carriers, bundling policies, raising your deductible, asking about low-mileage and safe-driver discounts, and keeping your credit healthy. Dropping collision/comprehensive only makes sense on an older, paid-off car.