What Is the Minimum Car Insurance in Florida?

Florida only requires personal injury protection and property damage liability coverage.

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Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.

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Last updated: June 16, 2026

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Florida has relatively minimal car insurance requirements: it’s one of the few states that doesn’t require drivers to purchase bodily injury coverage. Rather, drivers are only required to obtain personal injury protection (PIP) and property damage liability at fairly low limits of $10,000 each. Be aware that state law still holds you liable for all injury- and property-related damages in an accident, regardless of whether they’re covered by insurance.

Below, we’ve detailed what kind of car insurance you need in Florida, important insurance-related laws, and ways to save on premiums.

What Is the Minimum Car Insurance in Florida?

Graphic showing Personal Injury Protection and Property Damage requirements for Florida drivers.

Florida requires drivers to carry minimum coverage for personal injury protection and property damage liability.

In Florida, drivers are required to get these auto coverages¹:

Personal injury protection (PIP): You must buy $10,000 worth of PIP per person and per accident. In an accident, PIP covers 80 percent of all reasonable and necessary medical expenses up to that $10,000 limit, regardless of who’s at fault. In addition to the costs of injuries and deaths, PIP covers lost wages and childcare.
Property damage liability: You’ll also need $10,000 of property damage coverage. In an accident, the at-fault driver’s coverage pays for the other party’s property damages.

DID YOU KNOW?

In most states, liability coverage is composed of both property damage and bodily injury coverage. Florida is one of the only exceptions in the country.

Is Minimum Coverage Enough?

A man driving a blue car with icons showing extra insurance protection against a city background.

Investing in more than minimum coverage provides higher liability limits and protection against uninsured drivers.

Minimum coverage is generally not enough to cover the repair, medical, and other expenses stemming from even a minor accident. This applies regardless of your state, not just Florida.

If it’s in your budget, we recommend getting 100/300/100 coverage, or bodily injury liability limits of $100,000 per person/$300,000 per accident and $100,000 of property damage liability per accident. Ideally, you should also have uninsured/underinsured motorist coverage that matches those limits, plus collision and comprehensive coverage if your car is newer.

Here’s a quick primer on these coverages:

Bodily injury liability: Pays for medical bills and related expenses for parties injured in an accident you’re at fault for. The injured party can be another driver, their passenger, or a pedestrian. Without this coverage, you’re on the hook for all injury-related expenses.
Property damage liability: Pays for damages you cause to the other party’s property, including their vehicle.
Collision coverage: Covers you when your car is damaged in a collision with another vehicle. Your collision limit is your vehicle’s ACV, or actual cash value. In a total loss, you’ll be paid the ACV minus your deductible.
Comprehensive coverage: Pays for expenses related to non-collision-related damages to your car, like vandalism, theft, hail, and more. Similar to collision coverage, your comprehensive limit is your car’s ACV minus your deductible.
Uninsured/underinsured motorist coverage: We particularly recommend this coverage as 1 in 5 Florida drivers are uninsured.² UI/UIM coverage pays for medical bills or vehicle repair costs incurred in an accident with an uninsured or underinsured driver; your coverage limit should match your liability limit.

TIP:

If you can’t afford the recommended limits, get as much insurance as you can pay for (for instance, the highest premium that fits in your budget).

Is Proof of Insurance Required in Florida?

Yes, proof of insurance is required for Florida drivers. Keep in mind that driving without proof of insurance is different from driving completely uninsured.

Penalties for Driving Without Proof of Insurance

If you’re pulled over and you don’t have proof of insurance (i.e. a physical or digital insurance card), you’ll likely be given a citation. If you can later provide documentation you were insured at the time you were cited, your citation will be dismissed.

Penalties for Driving Uninsured

If you get caught driving without insurance, you’ll face escalating penalties based on the number of offenses incurred:

First offense: License and registration suspension until you pay the reinstatement fee of $150 and get coverage
Second offense: License and registration suspension until you pay the reinstatement fee of $250 and get coverage
Third offense: License and registration suspension until you pay the reinstatement fee of $500 for three years following reinstatement and get coverage

How Much Does Car Insurance Cost in Florida?

Florida has some of the highest premiums in the U.S., with an average full coverage rate of $3,672 per year and an average minimum coverage rate of $1,357 per year. This is markedly higher than the national averages of $2,356 per year for full coverage and $722 per year for minimum coverage.

Premiums are particularly expensive in Florida due to a high uninsured driver rate, hurricane and flood risk, lawsuit abuse, no-fault system costs, and high population density. State Farm, Travelers, UAIC, and Nationwide have some of the cheapest rates in Florida.

Insurer	Minimum coverage annual average	Full coverage annual average
State Farm	$900	$2,402
Travelers	$929	$2,438
UAIC	$1,572	$2,880
Nationwide	Data not available	$2,960
GEICO	$761	$3,135
Progressive	$1,218	$3,479
Allstate	$1,823	$5,048
Florida average	$1,357	$3,672

TIP:

We recommend getting full coverage if possible, which may save you thousands in medical and repair expenses if an accident happens. If full coverage is out of your budget, buying minimum coverage is better than going uninsured.

What are Important Auto Insurance Laws in Florida?

Below, we’ve highlighted some of the more important auto insurance laws to know. For a more detailed breakdown, check out our guide to Florida auto insurance laws.

Financial Responsibility Law

Florida’s Financial Responsibility Law mandates that drivers prove they can cover any injuries or damages from a car accident. This law is usually enforced after accidents or traffic convictions, and rarely beforehand. Drivers are required to show they can cover a minimum of:

$10,000 for bodily injury per person
$20,000 for bodily injury per crash
$10,000 for property damage liability per crash
$10,000 for personal injury protection (PIP)

Since the state doesn’t require bodily injury coverage, drivers without that coverage are personally liable for injury-related expenses.³

Cancellation and Non-Renewal Notice Laws

Florida insurers are required to provide notice to policyholders before cancelling a policy or declining to renew it. Some key aspects of relevant laws⁴:

First 60 days of new policy: Can cancel for any reason if they send written notice at least 20 days prior
After 60 days of new policy: Can only cancel for nonpayment, misrepresentation or fraud, or a big change in covered risk; must provide written notice at least 45 days prior (10 days for nonpayment only)
Nonrenewal notice period: Must provide written notice at least 120 days prior to policy expiration (90 days for a policy covering a home and a car)
Insurer must refund unused premiums within 30 days of cancellation or nonrenewal

FYI:

When your policy is cancelled, your data is updated in the Florida Highway Safety and Motor Vehicle database. Be sure to proactively sign up for new insurance, or you’ll have an insurance lapse on record and your license and registration will be suspended.

No-Fault and Comparative Fault Laws

Florida is a no-fault state, which means that in a car accident, each party pays for their own medical costs, child care, and lost wages through personal injury protection (PIP). However, the at-fault driver will still pay for the other driver’s property damage.

The state also has a modified comparative negligence system. This means victims of an accident can get compensated if they’re 50 percent or less responsible for it. If they’re 51 percent or more at fault, they can’t receive any damages whatsoever.

Legislation proposing a switch to an at-fault system in 2026 officially died in committee.⁵

Diminished Value State

Florida is a diminished value state. If you get into an accident that isn’t your fault, you might be able to claim your car’s diminished value from your insurance company. You could be entitled to compensation for what the no-fault accident “cost” you.

FR-44s

Most states require an SR-22 for high-risk drivers, including those convicted of DUIs. Florida uses the FR-44 instead, which similarly indicates the holder has insurance higher than the minimum coverage. If convicted of a DUI, you’ll need to carry an FR-44 for three years, providing proof of the following coverages⁶:

Bodily injury liability: $100,000 per person, $300,000 per accident
Property damage liability: $50,000

Right to Sue

In Florida, there is a serious injury threshold for legal action related to an accident. You can sue only if you have a permanent injury or significant and permanent disfigurement or scarring.

Recap

Florida has some of the most lenient minimum insurance requirements in the country, and unlike most states, does not mandate purchase of bodily injury coverage. The only required coverages are personal injury protection (PIP) and property damage liability, even though state law still holds you liable for bodily injury damages in an accident despite not having coverage for that.

While the state has some of the highest average auto premiums in the U.S., certain companies offer cheaper-than-average rates: State Farm, Travelers, UAIC, and Nationwide, amongst others. We recommend getting full coverage at limits far higher than the minimum requirements, as Florida has a high rate of uninsured drivers.

Frequently Asked Questions

What is the minimum car insurance required in Florida?

Florida’s minimum car insurance requirements are as follows: $10,000 worth of personal injury protection (PIP) and $10,000 worth of property damage liability. Unlike most states, Florida does not require bodily injury liability coverage.

What is the new law for auto insurance in Florida?

In 2026, the Florida legislature was debating a widely publicized insurance reform law that would replace the state’s long-standing no-fault system with an at-fault one. However, the law failed to pass, so Florida’s no-fault system remains in place.

Do I really need comprehensive and collision?

Comprehensive and collision coverage are optional in Florida, and are add-ons that don’t fall under the minimum required coverage. However, they’re highly recommended to help ensure you’re fully covered, whether from incidents like theft or at-fault collisions with another vehicle.

What is the cheapest full coverage car insurance in Florida?

State Farm offers the cheapest average rates for full coverage in Florida, with an average rate of $2,402 per year ($200 per month). Travelers follows closely behind with a rate of $2,438 per year ($203 per month), with UAIC coming in third-cheapest at $2,880 per year ($240 per month). These are averages, so the actual rates you’re quoted may vary.

Is 50/100/50 good coverage in Florida?

50/100/50 stands for $50,000 worth of bodily injury liability (per person), $100,000 worth of bodily injury liability (per accident), and $50,000 worth of property damage liability. It offers far more comprehensive protection than the minimum required coverage, though it may still not be enough in big accidents. We recommend higher limits of 100/300/100 if you can afford it.