Florida Minimum Auto Insurance Requirements (Complete 2024 Guide)
Florida requires $10,000 in personal injury and property damage liability insurance. Minimum Florida auto insurance coverage costs around $47/mo, but this doesn't cover your vehicle. Get more than the Florida minimum auto insurance requirements for a policy that pays to repair your car and cover medical expenses.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Aug 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Things happen out on the road, whether we intend them to or not. Florida minimum auto insurance requirements protect drivers from top to bottom.
Auto insurance laws require every vehicle in Florida to have a valid policy, even if it’s inoperable. Proof of insurance from a licensed insurance company is required before registering a vehicle in Florida. You must surrender your license plate before canceling Florida insurance.
Every driver in Florida must carry $10,000 in personal injury protection (PIP) and property damage liability (PDL) insurance. Bodily injury liability isn’t required unless you’re a high-risk driver with a history of accidents or DUIs.
Keep reading for Florida car insurance coverage recommendations and auto insurance rates from the most popular local companies. Enter your ZIP code to compare free quotes from top Florida auto insurance companies side-by-side.
- Florida requires $10,000 in personal injury protection and property damage liability
- Additional insurance coverages may be required based on driving history
- Minimum Florida auto insurance costs $47/mo
Florida Minimum Auto Insurance Requirements
Does Florida require car insurance? Yes, you must carry a minimum of $10,000 in coverage in both PIP and PDL to meet Florida minimum car insurance requirements:
You may just want to get basic auto insurance in Florida if you don’t drive often and want to save money. But be aware that the Florida minimum insurance requirements are much lower than other states.
Liability Auto Insurance Requirements by State
| State | Coverages | Limits |
|---|---|---|
| Alabama | Bodily injury & property damage liablity | 25/50/25 |
| Alaska | Bodily injury & property damage liablity | 50/100/25 |
| Arizona | Bodily injury & property damage liablity | 15/30/10 |
| Arkansas | Bodily injury, property damage liablity, & personal injury protection | 25/50/25 |
| California | Bodily injury & property damage liablity | 15/30/5 |
| Colorado | Bodily injury & property damage liablity | 25/50/15 |
| Connecticut | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/20 |
| Delaware | Bodily injury, property damage liablity, & personal injury protection | 25/50/10 |
| Florida | Property damage liablity, & personal injury protection | 10/20/10 |
| Georgia | Bodily injury & property damage liablity | 25/50/25 |
| Hawaii | Bodily injury, property damage liablity, & personal injury protection | 20/40/10 |
| Idaho | Bodily injury & property damage liablity | 25/50/15 |
| Illinois | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/20 |
| Indiana | Bodily injury & property damage liablity | 25/50/25 |
| Iowa | Bodily injury & property damage liablity | 20/40/15 |
| Kansas | Bodily injury, property damage liablity, & personal injury protection | 25/50/25 |
| Kentucky | Bodily injury, property damage liablity, personal injury protection, & uninsured motorist/underinsured motorist | 25/50/25 |
| Louisiana | Bodily injury & property damage liablity | 15/30/25 |
| Maine | Bodily injury, property damage liablity, uninsured motorist/underinsured motorist, & MedPay | 50/100/25 |
| Maryland | Bodily injury, property damage liablity, personal injury protection, & uninsured motorist/underinsured motorist | 30/60/15 |
| Massachusetts | Bodily injury, property damage liablity, & personal injury protection | 20/40/5 |
| Michigan | Bodily injury, property damage liablity, & personal injury protection | 20/40/10 |
| Minnesota | Bodily injury, property damage liablity, personal injury protection, & uninsured motorist/underinsured motorist | 30/60/10 |
| Mississippi | Bodily injury & property damage liablity | 25/50/25 |
| Missouri | Bodily injury, property damage liablity, & Uninsured Motorist | 25/50/25 |
| Montana | Bodily injury & property damage liablity | 25/50/20 |
| Nebraska | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/25 |
| Nevada | Bodily injury & property damage liablity | 25/50/20 |
| New Hampshire | Financial responsibility (None required) | 25/50/25 |
| New Jersey | Bodily injury, property damage liablity, personal injury protection, & uninsured motorist/underinsured motorist | 15/30/5 |
| New Mexico | Bodily injury & property damage liablity | 25/50/10 |
| New York | Bodily injury, property damage liablity, personal injury protection, & uninsured motorist/underinsured motorist | 25/50/10 |
| North Carolina | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 30/60/25 |
| North Dakota | Bodily injury, property damage liablity, personal injury protection, & uninsured motorist/underinsured motorist | 25/50/25 |
| Ohio | Bodily injury & property damage liablity | 25/50/25 |
| Oklahoma | Bodily injury & property damage liablity | 25/50/25 |
| Oregon | Bodily injury, property damage liablity, personal injury protection, & uninsured motorist/underinsured motorist | 25/50/20 |
| Pennsylvania | Bodily injury, property damage liablity, & personal injury protection | 15/30/5 |
| Rhode Island | Bodily injury & property damage liablity | 25/50/25 |
| South Carolina | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/25 |
| South Dakota | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/25 |
| Tennessee | Bodily injury & property damage liablity | 25/50/15 |
| Texas | Bodily injury, property damage liablity, & personal injury protection | 30/60/25 |
| Utah | Bodily injury, property damage liablity, & personal injury protection | 25/65/15 |
| Vermont | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/10 |
| Virginia | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/20 |
| Washington | Bodily injury & property damage liablity | 25/50/10 |
| Washington, D.C. | Bodily injury, property damage liablity, & Uninsured Motorist | 25/50/10 |
| West Virginia | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/25 |
| Wisconsin | Bodily injury, property damage liablity, uninsured motorist, & MedPay | 25/50/10 |
| Wyoming | Bodily injury & property damage liablity | 25/50/20 |
If you have a history of car accidents, chances are you’ll have higher minimum requirements. The most common of which is the bodily injury liability (BIL) requirement in Florida.
You might see Florida liability requirements written as 10/20/10. This includes the BIL requirements. The 10/20/10 insurance in Florida refers to:
- $10,000 in BIL per driver
- $20,000 in BIL per accident
- $10,000 in PDL
Remember, the law only requires BIL for high-risk drivers. Otherwise, you carry 10/10 minimums for the $10,000 in PIP and PDL limits you’e legally required to have.
Florida car insurance laws require continuous coverage. Even if your vehicle is inoperable, you must have an up-to-date insurance policy until you surrender the license plate.Travis Thompson Licensed Insurance Agent
Some drivers can opt out of coverage and choose to be self-insured instead. You must apply and qualify for self-insurance through the Department of Highway Safety and Motor Vehicles.
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Florida Minimum Auto Insurance Rates
Local traffic and weather risks impact Florida car insurance rates. Interact with the table below to see how Florida insurance costs differ from other states:
The level of coverage you carry has a huge influence on premium prices, too. For instance, Florida car lease insurance requirements often have higher limits, which raises rates.
Buying only the Florida state minimum auto insurance limits is cheaper than full coverage but won’t provide as much protection. Full coverage includes the 10/10 PIP and PDL minimums plus comprehensive and collision insurance.
Scroll down to see how prices for minimum and full coverage auto insurance vary in Florida by company, age, and city.
Florida Auto Insurance Rates by Company
Geico and State Farm are the cheapest providers for Florida minimum insurance. USAA is the cheapest for military families.
Florida Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $61 $183
Farmers $76 $227
Geico $30 $89
Liberty Mutual $54 $161
Mercury $29 $77
Nationwide $34 $103
Progressive $51 $153
State Farm $33 $99
Travelers $56 $166
USAA $16 $47
If you’re looking for Florida car insurance coverage recommendations, check out our guide to the best auto insurance companies in Florida.
Florida Auto Insurance Rates by Age and Gender
Florida teen auto insurance is the most expensive, especially when you carry the recommended full coverage over the minimum requirements.
Florida Auto Insurance Monthly Rates by Age, Gender, & Coverage Level
Age & Gender Minimum Coverage Full Coverage
Female (Age 16) $260 $736
Male (Age 16) $299 $808
Female (Age 20) $71 $193
Male (Age 20) $77 $113
Female (Age 30) $66 $97
Male (Age 30) $71 $104
Female (Age 40) $58 $156
Male (Age 40) $59 $260
Female (Age 50) $54 $156
Male (Age 50) $55 $160
Female (Age 60) $53 $139
Male (Age 60) $56 $148
Female (Age 70) $56 $161
Male (Age 70) $58 $164
Fortunately, rates start to get cheaper when Florida drivers turn 20. Teens can also lower their rates in the meantime by taking driver’s ed classes and earning good student discounts.
Florida Auto Insurance Rates by City
Auto insurance costs in Florida vary widely by city. Click on your city below to compare local rates or enter your ZIP code to get real-time auto insurance quotes.
Florida Auto Insurance Cost by City: Click to Learn More
Coastal cities like Miami, Fort Lauderdale, and Tampa have some of the highest rates due to the increased risk of weather events. Learn more about auto insurance companies pulling out of Florida and how it affects your coverage.
Florida Auto Insurance Explained
What is the minimum car insurance coverage required in Florida? Individual drivers must carry personal injury protection (PIP) to pay for their medical costs after an accident.
The PIP car insurance requirements in Florida are designed to cover 80% of these costs, while the other required policies cover damages you cause in a collision.
Here is a complete list of Florida minimum requirements for auto insurance:
- PIP Insurance: Covers a portion of medical bills and emergency treatment for you and your passengers if you suffer an injury in the crash
- PDL Insurance: Pays for property damage you cause in an auto accident or collision. Does not protect your personal vehicle.
- BIL Insurance: Covers medical bills for any injury you cause to other drivers and passengers in a collision.
Florida is a no-fault insurance state. This means each driver is responsible for their own injuries and property damage no matter who or what caused the collision.
However, if injuries are severe and medical expenses exceed PIP limits, the injured driver may still pursue legal action against the at-fault driver.
Full Coverage vs. Minimum Florida Auto Insurance
Florida minimum auto insurance coverage protects you from out-of-pocket costs for damage you cause, but it doesn’t cover your vehicle. The recommended car insurance coverage in Florida is comprehensive and collision auto insurance.
Minimum insurance requirements for a financed car in Florida will often include comprehensive and collision policies, also known as full coverage.Leslie Kasperowicz Former Farmers Insurance CSR
Taxis and leased vehicles also require full coverage, and you need higher policy limits — 125/250/50 compared to the 10/10 state minimum for car insurance in Florida. Use our guide to find the best auto insurance for leased vehicles.
Florida Auto Insurance Penalties
What happens if auto insurance lapses in Florida? Driving without car insurance can result in several penalties, including fines:
- Fines: Fines range from $150 to $500, depending on the number of offenses.
- Reinstatement Fees: The fee is $150 for the first offense, $250 for the second, and $500 for subsequent offenses within three years.
- License Suspension: Your driver’s license, vehicle registration, and license plates will be suspended until you provide proof of insurance.
The DMV will not provide a provisional license for insurance-related infractions, but it may require you to file an SR-22 form. And once your license is reinstated, your insurance premiums are likely to increase due to the lapse in coverage.
Florida Auto Insurance Laws: New in the State
Current Florida law requires 10/10 in personal injury and property damage protection, although state representatives have tried to pass different legislation aimed at overhauling auto insurance requirements in Florida.
Most recently, SB54 tried to eliminate the no-fault system and replace PIP and PDL insurance in Florida with traditional 25/50/10 liability limits.
Florida car insurance premiums expected to rise again in 2024 https://t.co/BNdzUJP1Jo
— WPTV (@WPTV) February 29, 2024
If the bill had passed, the new Florida car insurance laws would have also included a mandatory $5,000 in medical payments coverage (MedPay). However, Governor DeSantis vetoed the new law in 2022 worrying it would increase Florida required auto insurance costs and lead to more uninsured drivers.
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Bottom Line on Florida State Auto Insurance Requirements
What is the minimum auto insurance coverage in Florida? Florida minimum auto insurance requirements are low — only $10,000 in PIP insurance and property damage liability.
Drivers with high-risk insurance may need to carry additional bodily injury liability, but the policy still won’t pay to repair your own vehicle.
The opportunity always exists for you to take a step back, analyze your current policy, and assess if it meets your needs. If you want to go beyond the Florida basic insurance requirements and find better coverage, compare Florida auto insurance rates by ZIP code to see policies from multiple local companies.
Frequently Asked Questions
What is the minimum amount of car insurance allowed in Florida?
The minimum auto insurance in Florida is $10,000 in personal injury protection (PIP) and property damage liability (PDL) insurance.
Do Florida car insurance minimums provide sufficient coverage?
Florida minimum auto insurance limits may not provide adequate coverage in more severe accidents. It is advisable to consider higher coverage limits to protect your assets and provide better financial protection.
Can I rely solely on the minimum auto insurance coverage in Florida?
While meeting the minimum car insurance requirements in Florida is legally necessary, it may not provide sufficient coverage for all situations. Additional coverage options, such as bodily injury liability, full coverage, and uninsured motorist protection (UM/UIM) are worth considering to enhance your financial protection.
Do you have to have full coverage on a car in Florida?
What is full coverage in Florida? Full coverage (which includes comprehensive and collision auto insurance) is not legally required by Florida insurance laws but may be required by lenders if you finance or lease your vehicle.
What are the potential consequences of not meeting Florida insurance requirements?
Failure to have the state minimum insurance in Florida can result in penalties, such as fines, suspension of your driver’s license, and registration revocation for your vehicle.
What is the recommended auto insurance coverage in Florida?
While you only need $10,000 in PDL and PIP insurance in Florida, it’s recommended to have higher limits such as:
- $100,000/$300,000 for bodily injury liability
- $50,000 for property damage liability
- Uninsured/underinsured motorist coverage
- Comprehensive and collision coverage
Is auto insurance mandatory in Florida?
Minimum car insurance coverage in Florida is mandatory. Enter your ZIP code to find an affordable policy today.
What auto coverage is 10/10 in Florida?
The “10/10” coverage refers to the minimum $10,000 policy limit for PDL and PIP car insurance in Florida.
What car insurance is required in Florida?
PIP and PDL insurance are the only policies Florida requires. State law requires additional bodily injury liability (BIL) auto insurance for high-risk drivers.
Do I need 100/300 auto insurance in Florida?
The 100/300 in insurance refers to higher limits of liability, such as $100,000 per person and $300,000 per accident for bodily injury. While not required by law, these limits are recommended for better protection.
Can you have a car without insurance in Florida?
No, you cannot legally drive a car without insurance in Florida. You must have at least Florida minimum car insurance coverage. Learn the risks of driving without auto insurance.
Why is Florida car insurance so expensive?
Florida car insurance may be more expensive due to factors such as:
- High rate of uninsured drivers
- Frequent natural disasters (hurricanes, floods)
- High accident rates and costly claims
- No-fault insurance laws that lead to higher PIP claims
How much is car insurance in Florida?
On average, Florida minimum auto insurance costs $47/mo.
How does car insurance work in Florida?
Florida operates under a no-fault insurance system where your own insurance pays for your medical expenses regardless of who is at fault in an accident.
Who has the cheapest car insurance in Florida?
Geico, State Farm, and Progressive are often among the cheapest auto insurance companies in Florida.
What are Florida’s DUI insurance requirements?
After a DUI conviction, you must carry the minimum Florida car insurance coverage, which is liability insurance.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
