Florida Car Insurance Requirements

Florida is a "no-fault" state, which means your own insurance pays for your injuries regardless of who caused the accident. Florida requires PIP (Personal Injury Protection) and property damage liability.

Minimum Coverage Requirements

Coverage Type Minimum Required Recommended
Personal Injury Protection (PIP) $10,000 $10,000 (required)
Property Damage Liability $10,000 $50,000+
Bodily Injury Liability Not Required* $100,000/$300,000
Uninsured Motorist Optional Highly Recommended

*Florida is one of few states not requiring bodily injury liability, but it's strongly recommended.

Average Car Insurance Costs in Florida

City Annual Average Monthly Average
Miami $3,240 $270
Orlando $2,520 $210
Tampa $2,400 $200
Jacksonville $2,160 $180
Fort Lauderdale $3,000 $250
State Average $2,560 $213

Florida has some of the highest car insurance rates in the nation due to high fraud rates and weather risks.

Best Car Insurance Companies in Florida

🏆 GEICO

Best for: Budget rates, online experience. Often lowest for FL drivers.

🥈 State Farm

Best for: Agent support, bundling. Strong claims service.

🥉 Progressive

Best for: High-risk drivers, Snapshot discounts.

Citizens

Best for: Those denied elsewhere. State-run option of last resort.

Understanding Florida PIP Coverage

PIP (Personal Injury Protection) is unique to Florida and a few other no-fault states:

  • Covers 80% of medical expenses up to $10,000
  • Covers 60% of lost wages
  • Applies regardless of who's at fault
  • Must seek treatment within 14 days of accident
  • Reduces lawsuits but may limit injury claims

Why Florida Insurance is So Expensive

  • High Fraud Rates: FL ranks #1 in staged accidents and fraud
  • Uninsured Drivers: 20%+ of FL drivers are uninsured
  • Weather: Hurricanes, flooding, and hail damage
  • High Population Density: More accidents in urban areas
  • Litigation: High rate of insurance lawsuits

Florida-Specific Discounts

  • Windstorm Mitigation: Hurricane-resistant features for discounts
  • Defensive Driving Course: Complete 4-hour course for savings
  • Multi-Policy Discount: Bundle home and auto for 20-25% off
  • Good Driver: 3+ years without accidents or violations