Living and driving in Florida means sunshine, palm trees, and yes some of the highest car insurance rates in the country. Whether you’re cruising through Miami Beach, commuting in Orlando, or exploring the Keys, understanding Florida’s car insurance requirements helps you stay legal and protected on the road.
Minimum Car Insurance Requirements in Florida
Florida is a no-fault insurance state, which means your insurance company pays for your own injuries and certain damages after an accident—no matter who was at fault.
Every driver in Florida must carry at least:
- $10,000 in Personal Injury Protection (PIP) – covers your medical expenses regardless of fault.
- $10,000 in Property Damage Liability (PDL) – pays for damages to another person’s property (like their car or fence).
However, these limits are quite low compared to the actual cost of most accidents. That’s why experts recommend adding more coverage for better protection.
Recommended Additional Coverages
Florida drivers often add optional coverages such as:
- Bodily Injury Liability (BIL) – covers medical costs for others if you’re responsible for an accident.
- Comprehensive and Collision – protect your own car from accidents, theft, and natural disasters (hurricanes included!).
- Uninsured/Underinsured Motorist Coverage (UM/UIM) – very important in Florida, where many drivers are uninsured.
- Roadside Assistance – for breakdowns, towing, or flat tires—handy during long drives across the state.
Average Car Insurance Costs in Florida
Florida ranks among the top three most expensive states for auto insurance in the USA. The average annual cost for full coverage is usually between $2,200 and $3,200, depending on your location and driving profile.
Why so high?
- Dense population and heavy traffic, especially in South Florida.
- High number of uninsured drivers.
- Greater risk of weather-related claims.
Tips for Saving on Car Insurance in Florida
Even though insurance can be pricey in the Sunshine State, you can still lower your costs:
- Compare multiple quotes from licensed agents in your area.
- Ask for discounts for safe driving, bundling, or low mileage.
- Maintain a good credit score — it significantly affects rates in Florida.
- Increase your deductible to reduce monthly payments.
- Consider usage-based or pay-per-mile insurance plans if you don’t drive often.
Driving in Florida: Unique Conditions
From tourist traffic in Orlando to sudden rainstorms on I-95, Florida driving can be unpredictable. A strong insurance policy ensures peace of mind when dealing with unexpected road challenges.
Get a Free Car Insurance Quote in Florida
You don’t have to overpay to stay insured. Licensed agents across the USA are ready to help you compare offers and find the coverage that fits your lifestyle and budget.
Find out more about insurance in Texas, South Carolina, North Carolina, Alabama and Georgia on our website too.
Call today for your free car insurance quote in Florida! Drive safe, stay covered, and enjoy every mile of the Sunshine State.