Car insurance in Florida
Florida is a no-fault state with a minimum liability requirement of PIP + $10k PD. 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
$1,056 a year for minimum coverage, $3,884 for full coverage2
Average annual premiums in Florida for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.
Why this is an average, 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 PIP + $10k PD. 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.
Sources
- Florida Highway Safety and Motor Vehicles, Insurance requirements.
- Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.
Figures checked against these sources on October 2, 2026.
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