Car insurance in Florida: rates & minimums for 2026
Drivers in Florida pay an estimated 39% above the national average for full coverage. Comparing across 50+ insurers is the only reliable way to find out which side of that average you are on.
Florida at a glance
Source: premium figures from the NAIC 2023 Auto Insurance Database Average Premium Supplement (published June 2025); uninsured-driver share from the Insurance Research Council / Insurance Information Institute, 2022 data; state minimum liability limits compiled from state statutes as of August 2026. City-level rates below are modeled from this state average, not independently sourced per city. Updated August 2026.
Florida car insurance requirements
Minimum liability limits compiled from state statutes; PIP minimums from the same cross-checked state tables. Verified August 2026. Legislatures amend these — confirm with the Florida insurance department before relying on them.
Florida requires $10,000 of Personal Injury Protection (PIP) and $10,000 of property damage liability — it does not require bodily injury liability by default, since Florida is a no-fault state. PIP covers your own medical bills after an accident regardless of fault, up to policy limits that are well below the cost of a serious injury.
Driving without the required PIP and property damage coverage in Florida carries fines, license and registration suspension, and can require an SR-22 filing to reinstate driving privileges. A coverage lapse also tends to raise your next premium.
Uninsured motorist coverage is the row worth reading twice. Twenty-two states mandate it; in the rest insurers generally still have to offer it, and you decline in writing — which is how most drivers end up without it. Set against the uninsured-driver share shown above, it is often the most useful coverage on the policy, and the one most quietly dropped. Check your declarations page rather than assuming.
Underinsured motorist coverage is the separate line below it, and the two do not always move together: sixteen states mandate UIM, six of the states that mandate UM do not mandate UIM, and three fold UIM into the UM mandate by definition rather than by a statute of its own. Both rows are cited to the statute they come from.
Related reading: Liability limits: why 25/50/25 is usually not enough · How to compare car insurance quotes: 10-step guide · When to switch car insurance: timing & cancellation guide
What happens if you drive uninsured in Florida
Statutory figures, verified August 2026 — not the amount you would actually pay. Court costs and assessments are added on top and can multiply the total, and most states reduce or drop the charge entirely if you can show the coverage was in force when you were cited.
Common questions about Florida car insurance requirements
Rates by major city
Within one state, ZIP code is often the largest single factor in your premium — larger than the car you drive.
Compare in my ZIPWhat moves a Florida premium most
Two drivers on the same street, with the same car and the same record, can still be quoted differently — insurers weight these factors differently from one another, which is the whole reason comparing is worth the four minutes.
Insurers writing in Florida
13 of the 28 insurers we review sell in Florida. Each page covers which discounts and programs actually apply here — several carriers advertise features nationally that they do not offer in every state. For the national picture, see the full insurer reviews.
Other states
Every state has its own page with the same figures.
See Florida quotes side by side.
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