Florida Auto Insurance Requirements & Rates
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
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Florida at a Glance
$10,000
Minimum property damage liability
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Florida operates as a no-fault state, meaning drivers first turn to their own PIP coverage after an accident regardless of who caused it. The state does not require bodily injury liability coverage at purchase, making it one of only two states with this exemption. All drivers must carry proof of insurance and maintain continuous coverage or face license suspension. These requirements are defined by Florida Statutes Section 627.733.
Personal Injury Protection (PIP)
Property Damage Liability (PDL)
Bodily Injury Liability (BI)
Uninsured Motorist Coverage
Cost Overview
about $155/mo
Average car insurance spending in Florida
Rate data: NAIC Auto Insurance Database, 2023
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
Is Florida a no-fault insurance state?
Yes, Florida operates as a no-fault state under its PIP system. After an accident, drivers turn to their own PIP coverage first for medical expenses and lost wages regardless of who caused the crash. You can only step outside no-fault to sue the at-fault driver if injuries meet serious injury thresholds defined in Florida law.
Do I need bodily injury liability in Florida?
Not initially—Florida is one of only two states that doesn't require BI coverage at purchase. However, it becomes mandatory if you cause an accident, accumulate too many license points, or need SR-22/FR-44 filing. Most insurance professionals recommend carrying at least 100/300 limits to protect personal assets given the high percentage of uninsured drivers.
Coverage Types
Liability Insurance
Combines bodily injury and property damage liability to cover harm you cause to others. Florida's minimum PDL ($10,000) and optional BI structure create significant exposure—serious accidents routinely exceed $100,000 in combined damages.
Full Coverage
Bundles liability, comprehensive, and collision coverage to protect both your liability exposure and vehicle value. Required by lenders and recommended for vehicles worth more than $5,000.
Comprehensive Coverage
Covers non-collision damage to your vehicle including theft, vandalism, falling objects, animal strikes, and weather events. Pays actual cash value minus your deductible.
Collision Coverage
Pays for damage to your vehicle after an accident with another car or object, regardless of fault. Works alongside your PIP coverage, which only handles medical costs.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient coverage to pay for your injuries and damages. Includes both bodily injury (UMBI) and property damage (UMPD) options.
SR-22 Insurance
Not a coverage type but a certificate proving you carry state-required insurance after certain violations like DUI, driving without insurance, or excessive points. Filed by your insurer directly with the state.