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.
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 Florida requires you to carry
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.
What moves a Florida premium most
Other states
Every state has its own page with the same figures.
See Florida quotes side by side.
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