Car insurance in Florida
Florida is a no-fault state with a minimum liability requirement of10/10 PIP+PD (no BI required). Here's what that means, what it costs, and what to check before you buy.
What the minimums actually mean
Florida requires $10,000 in Personal Injury Protection (PIP) to cover your own injuries regardless of fault, plus $10,000 in property damage liability - it does NOT require bodily-injury liability coverage for harm you cause to other people, unlike nearly every other state. Note: 2025 bills that would have added a mandatory bodily-injury requirement (effective mid-2026) died in committee and were never enacted, so this PIP-only structure remains current.
Not mandatory; insurers must offer UM/UIM equal to your bodily-injury limits, and you must reject it via a specific signed statutory form (a verbal rejection is not valid) or the insurer defaults to the highest available UM limit.
Estimated cost
Illustrative estimate: roughly $1,100-$1,150/year for minimum coverage - reportedly among the 3 most expensive states for minimum coverage; full coverage runs far higher.
Why this is a range, not a quote
SR-22 & high-risk filings
Florida uses an FR-44 (not a standard SR-22) for DUI convictions and other serious violations, requiring much higher proof of coverage (100/300/50) than an ordinary SR-22.
Local conditions worth knowing
Florida has major hurricane exposure, a well-documented history of PIP-related insurance fraud and litigation, and one of the higher uninsured-motorist rates in the country.
Frequently asked
- What is the minimum car insurance requirement in Florida?
- Florida requires liability limits of at least 10/10 PIP+PD (no BI required). Florida requires $10,000 in Personal Injury Protection (PIP) to cover your own injuries regardless of fault, plus $10,000 in property damage liability - it does NOT require bodily-injury liability coverage for harm you cause to other people, unlike nearly every other state. Note: 2025 bills that would have added a mandatory bodily-injury requirement (effective mid-2026) died in committee and were never enacted, so this PIP-only structure remains current.
- Is Florida an at-fault or no-fault state?
- Florida is a no-fault state for car insurance claims.
- Do I need an SR-22 in Florida?
- Florida uses an FR-44 (not a standard SR-22) for DUI convictions and other serious violations, requiring much higher proof of coverage (100/300/50) than an ordinary SR-22.
- Is uninsured motorist coverage required in Florida?
- Not mandatory; insurers must offer UM/UIM equal to your bodily-injury limits, and you must reject it via a specific signed statutory form (a verbal rejection is not valid) or the insurer defaults to the highest available UM limit.
See what fits your situation in Florida
Two minutes, no phone number required until the last step.
Start the match →