Car Insurance Requirements in Florida (2025)
Florida, a no-fault state, requires drivers to carry a minimum of $10,000 in personal injury protection and $10,000 in property damage liability coverage.
Excellent
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Car insurance requirements vary widely by state. Florida requires drivers to purchase two primary coverages, but the state’s no-fault insurance system can get complicated. Understanding the specific mandates in Florida will help you comply with the law and avoid facing harsh penalties for driving without sufficient auto coverage.
In addition to the mandatory minimum insurance, drivers often purchase additional coverages to extend their financial protection from at-fault accidents.
Here’s what you need to know to hit the road in the Sunshine State.
Florida car insurance requirements
Florida has a 10/10 minimum requirement, meaning drivers must carry $10,000 in two specific types of motor vehicle coverage.1 This is among the lowest minimum requirements in the U.S. Knowing what the required car insurance pays for can help you decide if you want to add additional coverage to your policy.
Personal injury protection
The state of Florida requires drivers to carry $10,000 in personal injury protection (PIP) for all registered cars. PIP coverage protects you and your passengers if you’re injured in a car accident, regardless of who’s at fault. The minimum required PIP insurance covers 80% of your necessary medical expenses, lost wages, and other injury-related costs up to $10,000.
PIP provides financial support as quickly as possible if you sustain injuries in a car accident. Florida is a no-fault state, so drivers need to file medical and economic loss claims with their own insurance companies after a crash, regardless of fault.2 Unlike most states, Florida doesn’t require bodily injury liability insurance because PIP covers medical bills.
Property damage liability
Florida drivers also need to carry $10,000 in property damage liability coverage. This insurance covers accident-related damage you cause to another person’s vehicle or property. But property damage liability doesn’t cover damage to your vehicle.
Collision insurance is typically included in full-coverage policies and pays to repair or replace your vehicle after a car accident, regardless of fault. If you’re concerned about unexpected out-of-pocket expenses, consider purchasing collision coverage to extend coverage to your vehicle.3
Do you need more than state-minimum coverage in Florida?
Liability-only insurance reduces your out-of-pocket costs after an accident, but you may decide you want more coverage. If you stick to Florida’s 10/10 minimum, your insurance company will cover up to $10,000 of personal injury-related expenses and $10,000 in property damage for the other driver.
The average monthly cost of liability coverage in Florida is $155, while full coverage averages $209 in the state. Full-coverage policies usually include collision insurance, which pays for repairs for your vehicle after an accident, and comprehensive coverage, which applies to non-accident-related damages from theft, vandalism, severe weather, and more.
If you have a limited budget, liability-only coverage could be the best option for you — especially if you drive infrequently or have an inexpensive vehicle. But if you lease or finance your car, lenders typically require you to purchase full-coverage insurance. Drivers with expensive or new vehicles can benefit from purchasing a more robust policy.
Penalties for driving without proof of insurance in Florida
Penalties for driving without insurance in Florida are severe. Drivers can face the following consequences if they allow insurance to lapse:
Driver’s license suspension: Up to three years
License plate and registration suspension: Up to three years
License reinstatement fee: Up to $500
You need to maintain continuous coverage for all vehicles with four or more wheels in Florida. Even if you no longer drive the car, or it’s nonfunctional, you still need to carry the state minimum insurance. Florida also doesn’t offer provisions for temporary or hardship licenses if your license suspension was insurance-related.
Cheapest liability-only car insurance in Florida
The average liability-only policy in Florida costs $155 monthly, but some insurers offer more affordable rates. Liability insurance options vary by state, but the coverage required in Florida helps pay for your medical costs and lost wages after an accident and damage to the other driver’s vehicle or property through PIP and property damage liability coverage.
Liability-only insurance doesn’t cover damage to your vehicle from an auto accident or severe weather. You also won’t have coverage if you hit a deer or puncture your tire driving over a pothole, for example. In those scenarios, you would need comprehensive or collision insurance. Because liability coverage is more limited, it’s also more affordable.
You can find the average cost of liability insurance from several auto insurers in Florida below.
Cheapest full-coverage car insurance in Florida
Full-coverage insurance is more expensive, but it’s worth the higher monthly payment if you want to avoid considerable unexpected expenses. These policies typically include liability, collision, and comprehensive coverage. The average monthly cost of full-coverage car insurance in Florida is $209, but drivers can find better deals if they shop around.
Here are the average rates for full-coverage insurance from different companies in Florida.
Optional car insurance coverages to consider
In addition to the required PIP and property damage liability insurance, you can purchase additional car insurance. Common optional coverages include:
Florida car insurance requirements FAQs
Florida has severe penalties for driving while uninsured or underinsured, so it’s important to understand the state’s car insurance requirements. Here’s what you need to know to make sure you have the right amount of coverage.
Is car insurance required in Florida?
Yes. Florida drivers must carry a minimum of $10,000 in PIP and $10,000 in property damage liability coverages. Under state law, drivers must surrender their license plates to cancel car insurance policies. Otherwise, drivers need to carry continuous coverage, even for vehicles they don’t drive.
Drivers without the mandatory minimum auto insurance face severe penalties under Florida law, including three years of license suspension and a reinstatement fee of up to $500.
Do you need car insurance to register a car in Florida?
Yes. Florida drivers must show proof of insurance to register a car. If you want to drive any vehicle with four or more wheels in the state, you first need to secure the mandatory minimum in personal injury protection and property damage liability coverage from a company licensed to sell insurance in Florida.
Does insurance follow the car or the driver in Florida?
In Florida, insurance coverage follows the car. Whether your babysitter uses your car for after-school pickups or a friend borrows it for a weekend getaway, for example, your insurance will typically cover your vehicle if someone else is driving it, and you've given them permission to use your car. In most states, including Florida, when you lend your car to someone, you also lend them your insurance coverage.
If the driver who borrows your car has an accident, your PIP and property damage liability coverage follows the vehicle. Even if you’re not driving, your insurance can help pay for medical costs, lost wages, and damage to the other driver’s car or surrounding property.
What’s the new law for auto insurance in Florida?
Florida car insurance laws underwent a major change in March 2023 with the enactment of House Bill (HB) 837. The sweeping tort reform aims to protect insurance companies from fraud and frivolous lawsuits.
But policyholders may have less power to sue insurers for underpaid or denied claims because HB 837 ended one-way attorney fees. Previously, plaintiffs could receive reimbursements for attorney fees if they won any amount of recovery, but they’re now responsible for their own legal costs.
However, despite reforms, "the volume of auto claim-related lawsuits being filed in Florida is still at an extreme level compare to most other states," said Mark Friedlander, director of corporate communications at the Insurance Information Institute.
Is Florida a no-fault state?
Yes. Florida is a no-fault state for car insurance. In no-fault states, drivers file claims with their own insurance companies if they get into an accident, regardless of who’s at fault. In at-fault states, drivers responsible for accidents must file a claim with their insurers to cover the cost of car repairs and medical bills for the other party involved.
Can someone drive your car if they’re not on your insurance in Florida?
Yes. In Florida, if you give someone permission to drive your car, also known as permissive use, they can drive it even if they’re not on your insurance. Your insurance policy will follow the car, not the driver. But if someone else drives your car and causes an accident, you could be liable for damages, depending on the circumstances of the accident.
)
)
)
){kind=logo}
){kind=small}
){kind=small}
){kind=small}
)
)