Florida Auto Insurance Rates & Requirements
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 under a no-fault insurance system, one of only two states remaining with this structure after Michigan's 2020 reform. The state requires electronic proof of insurance verification through the Florida Department of Highway Safety and Motor Vehicles database, and insurers must report policy lapses within 15 days.
Personal Injury Protection (PIP)
Property Damage Liability
Bodily Injury Liability
Cost Overview
about $155/mo
Average car insurance spending in Florida
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Rates for FreeCoverage Types
Liability Insurance
Bodily injury liability covers injuries you cause to others, while property damage liability pays for vehicle and property damage. Florida's minimum $10,000 property damage requirement is the lowest in the nation and inadequate for most accidents.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your legal exposure and your vehicle's value. Typically required by lenders and recommended for vehicles worth more than $4,000–$5,000.
Comprehensive Coverage
Pays for non-collision damage to your vehicle, including theft, vandalism, fire, falling objects, and weather events. Covers windshield damage, common in Florida due to loose gravel and road debris.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage when hit by a driver with no insurance or insufficient coverage. Includes underinsured motorist protection when the at-fault driver's limits are too low.
Collision Coverage
Pays to repair or replace your vehicle after a collision with another car or object, regardless of fault. Subject to your chosen deductible, typically $500–$1,000.
SR-22 Insurance
Not a separate coverage type but a certificate of financial responsibility filed with the state proving you carry required coverage. Mandated after DUI, driving without insurance, or repeat serious violations.