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Florida is a no-fault state. Drivers must carry at least $10,000 PIP + $10,000 PDL in coverage, and the average full-coverage premium is $2,738 a year, 6% below the national average of $2,922. This guide covers what Florida requires, what drivers pay, the rules on fault, uninsured drivers, penalties, teen drivers and phone use, and how to pay less.
| Minimum coverage | $10,000 PIP + $10,000 PDL |
| Fault system | No-fault |
| Average full coverage | $2,738 a year ($228 a month), 6% below the national average of $2,922 |
| Uninsured drivers | 20.6% (2023), the 7th highest rate of 51 |
| Filing after serious violations | FR-44 after a DUI; SR-22 in other cases |
Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL). Florida doesn't require bodily injury liability to register a car (Florida Department of Highway Safety and Motor Vehicles; Florida Statutes §627.733).
| What PIP pays in Florida | PIP covers 80% of necessary and reasonable medical expenses, up to $10,000, from a covered injury, no matter who caused the crash. |
The minimums are a legal floor, not a recommendation. Property damage limits in particular don't go far when a new car can cost more than the limit to replace, and anything above your limits is your personal responsibility. See how limits and deductibles work and every type of coverage explained.
The average full-coverage premium in Florida is $2,738 a year, 6% below the national average of $2,922. That makes Florida the 21st most expensive of 49 (48 states plus D.C.; Alaska and Hawaii aren't in the data) (Experian, "Car Insurance Average Costs by State," published September 9, 2026; full coverage, 12 months to August 2026).
Florida sits close to the national average for full coverage, but its uninsured-driver rate is among the highest in the country, and hurricane and flood exposure make comprehensive coverage especially relevant. Because bodily injury liability isn't required, many Florida drivers carry little protection against the injuries they might cause. Consider buying it anyway, along with uninsured motorist cover.
Your own price depends on your ZIP code, age, driving record, car and coverage. Try our car insurance calculator with Florida preselected for a personal estimate, and see what determines your car insurance cost.
Florida is a no-fault state: after most crashes you claim medical costs on your own PIP first, whoever caused it, and you can sue the other driver for pain and suffering only if the injury meets the state's serious-injury threshold. Since the 2023 tort reform (HB 837), Florida uses modified comparative negligence: you recover nothing if you are more than 50% at fault.
An estimated 20.6% of Florida drivers were uninsured in 2023, the 7th highest rate among the 50 states and D.C. (Insurance Research Council, uninsured motorist estimates for 2023, via Insurance Information Institute "Facts + Statistics: Uninsured motorists"). Uninsured and underinsured motorist coverage protects you when one of them hits you. See coverage types.
Owners must keep PIP and property damage liability in force continuously for as long as the car is registered in Florida, even if it isn't being driven. Insurers report cancellations to the state. (Florida Statutes §627.733 and §324.0221)
If required coverage lapses, the state suspends your driver's license and registration until you show proof of current coverage and pay a reinstatement fee: $150 for the first reinstatement, $250 for the second, and $500 for each further one within three years. (Florida Statutes §324.0221)
A conviction for driving uninsured also follows you into your next policy. In CarInsurance.com's rate analysis, it raised the average full-coverage premium in Florida from $2,694 to $3,458 a year, an increase of 28% (CarInsurance.com, "Penalty for driving without insurance in every state," updated March 24, 2026; rate analysis).
Beyond the penalties, driving uninsured leaves you personally liable for any damage you cause. See what happens if you drive without car insurance.
Instead of an SR-22, a DUI conviction in Florida triggers the FR-44, with much higher required limits: 100/300/50 (bodily injury of $100k per person and $300k per crash, and $50k for property), maintained for three years. (Florida Department of Highway Safety and Motor Vehicles, "DUI Frequently Asked Questions")
Florida uses graduated driver licensing (Insurance Institute for Highway Safety, "Graduated licensing laws" table):
Adding a teen is usually the biggest single increase in a family's premium. Keeping them on the family policy, a good-student discount and a safe, modest car help most.
A distracted-driving ticket can count against your record and your premium. (Insurance Institute for Highway Safety, "Electronic device laws" table)
See how to compare car insurance quotes, or get quotes for your ZIP code.
For questions about a policy, a claim or an insurer's conduct, contact the Florida Department of Financial Services, Division of Consumer Services. It handles consumer questions and complaints about insurers in Florida.
AutoInsuranceQuery editorial team. Last reviewed: September 29, 2026.
