Florida car insurance: minimums, prices and your estimate
Florida does not require bodily injury liability for most drivers; the legal minimum is $10,000 of property damage liability plus $10,000 of personal injury protection (PIP).
Florida is a no-fault state that requires PIP and property damage liability to register a vehicle, but most drivers are not required to carry bodily injury liability. PIP pays 80% of necessary medical costs, up to $10,000, regardless of fault.
- Legal minimum
- $10k PIP + $10k PD
- Fault system
- No-fault
- Personal injury protection
- Required, $10,000 minimum
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22; FR-44 after a DUI
What drivers in Florida can expect to pay
Monthly ranges from our model, anchored to Florida's position in 7 published price studies from 2025 and 2026 ($4,197 a year for full coverage and $1,163 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $301-$398 | $4,197 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $83-$111 | $1,163 |
| Young driver, full coverage20, own policy, clean record | $560-$839 | $8,394 |
| Senior, full coverage70, clean record | $289-$383 | $4,029 |
| After one at-fault accident35, full coverage | $451-$598 | $6,296 |
| After a DUI35, full coverage | $526-$789 | $7,890 |
| Poor credit35, clean record, full coverage | $537-$772 | $7,848 |
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Rules worth knowing in Florida
- PIP also includes a $5,000 death benefit, and you must get initial treatment within 14 days of the crash to use its medical benefits.
- If you buy bodily injury liability, matching uninsured and underinsured motorist coverage is included unless you reject it or pick lower limits in writing. Once rejected, your insurer does not have to add it back at renewal unless you ask in writing.
- A policy with at least $30,000 of combined bodily injury and property damage coverage per crash also meets the property damage requirement.
- Insurers must tell you when they check your credit and cannot make a negative decision based on credit alone or on a thin or missing credit history. If divorce, a spouse's death or a temporary job loss hurt your credit, you can appeal.
- If your coverage lapses, your license and plate can be suspended for up to 3 years, with a reinstatement fee of up to $500.
- After certain crashes, judgments or suspensions, you may need an SR-22 showing at least 10/20/10, and after a DUI conviction an FR-44 showing 100/300/50 for at least 3 years; Florida sets the SR-22 period, so check with the Florida Department of Highway Safety and Motor Vehicles.
Questions about Florida car insurance
What is the minimum car insurance in Florida?
Florida does not require bodily injury liability for most drivers; the legal minimum is $10,000 of property damage liability plus $10,000 of personal injury protection (PIP).
How much is car insurance in Florida per month?
For a 35-year-old with a clean record, our model puts full coverage at about $301 to $398 a month and state-minimum coverage at about $83 to $111. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Florida a no-fault state?
No-fault state: your own personal injury protection (PIP) pays your medical bills first, whoever caused the crash, and lawsuits are limited to more serious injuries.
Can insurers in Florida use my credit score?
Yes. Many insurers in Florida use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Florida?
Only if a court or the state requires one, usually after a serious violation or a lapse. After certain crashes, judgments or suspensions, you may need an SR-22 showing at least 10/20/10, and after a DUI conviction an FR-44 showing 100/300/50 for at least 3 years; Florida sets the SR-22 period, so check with the Florida Department of Highway Safety and Motor Vehicles.