Florida Minimum Auto Insurance Requirements (2024)
Florida requires a minimum of 10/10/10 of bodily injury and property damage coverage. The average rate of auto insurance is around $71.47/mo.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: May 30, 2024
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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: May 30, 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.
On This Page
- Florida requires personal injury protection (PIP) and property damage liability (PDL)
- Additional insurance coverages may be required based on driving history
- Florida minimum auto insurance costs $71/mo
Florida auto insurance laws require every vehicle to have a valid policy, even if it’s inoperable. You must surrender your license plate before canceling Florida insurance.
As long as you are driving a vehicle that has four or more wheels, you are expected, by law, to carry the minimum auto insurance In Florida.
The reason for Florida vehicle insurance requirements is simple in that the state wants to protect you as a driver, as well as those you may end up getting into an accident with.
Things happen out on the road, whether we intend them to or not, and Florida minimum car insurance is what is going to protect us from top to bottom.
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Florida Minimum Auto Insurance Requirements
Florida has pretty standard minimum requirements for auto insurance.
Florida minimum insurance coverage includes two types of coverage:
- personal injury protection (PIP)
- property damage liability (PDL)
For personal injury protection, the state of Florida asks that you have a minimum of $10,000 in coverage at all times. The intent of the personal injury protection coverage is to help you if you suffer an injury in a loss.
The coverage is intended to assist when you, are injured in the crash. Say you have medical bills that need to be paid, surgeries, etc., this is the coverage that is going to protect you.
Property damage liability coverage or PDL is a bit different as it revolves around the responsibility that you are going to have to pertain to an accident that you may be involved in.
If you get into a crash and it’s your fault, Florida minimum auto insurance coverage is going to protect you so that you are not paying out of pocket for damage caused to the property of another.
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Florida Minimum Auto Insurance Rates
Age & Gender Minimum Coverage Full Coverage
16-Year-Old Female $260 $736
16-Year-Old Male $299 $808
20-Year-Old Female $71 $193
20-Year-Old Male $77 $113
30-Year-Old Female $66 $97
30-Year-Old Male $71 $104
40-Year-Old Female $58 $156
40-Year-Old Male $59 $260
50-Year-Old Female $54 $156
50-Year-Old Male $55 $160
60-Year-Old Female $53 $139
60-Year-Old Male $56 $148
70-Year-Old Female $56 $161
70-Year-Old Male $58 $164
Florida State Auto Insurance Laws
There could be opportunities where the state of Florida has additional auto insurance requirements.
If you have a history of car accidents or you have been convicted of certain offenses in the past, chances are you are going to have more Florida insurance requirements bestowed upon you. The most common of which is going to be known as bodily injury liability coverage or BIL.
Bodily injury liability coverage is going to pertain to the responsibility that you may face when you end up in an accident where you are the at-fault driver.
If you are at fault and you cause bodily injury to another, whether they are a passenger in your car or driving another vehicle you may hit, this coverage would protect you for the damages caused to that individual.
Again, this requirement of bodily injury liability in Florida will not be face by everyone. It will largely be dependent on the history you have as a driver.
Read More: Auto Insurance Companies Pulling Out of Florida
Understand the Pre-Existing Coverage
You also want to have an understanding of the pre-existing coverages that you already have. Do you currently have an auto insurance policy? Does it meet Florida auto insurance requirements?
If it does not, you may not be getting much value out of that policy and what it is covering. An opportunity exists for you to take a step back, analyze the current auto insurance policy you have, and assess if it is meeting your needs and providing you value.
You want to work the car insurance market so that you can end up with the best rates possible. You may be just looking to meet the Florida car insurance requirements. That does not mean that you should not bother using online quoting tools.
These tools are out there so that you can compare the auto insurance rates one carrier is offering when compared to the next. Do your homework and make sure you are working the market to identify the most ideal, value-add rates possible.
Compare car insurance quotes today by entering your ZIP code into our free tool below.
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Frequently Asked Questions
What is the minimum amount of car insurance allowed in Florida?
The minimum auto insurance required in Florida is as follows:
- $10,000 in Personal Injury Protection (PIP)
- $10,000 in Property Damage Liability (PDL)
Do Florida car insurance minimums provide sufficient coverage?
While this is the state minimum car insurance in Florida, they 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.
What are the potential consequences of not meeting Florida insurance minimums?
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.
Can I rely solely on the minimum auto insurance coverage in Florida?
While having the minimum car insurance coverage in Florida is legally necessary, it may not provide sufficient coverage for all situations. Additional coverage options, such as bodily injury liability, comprehensive, and collision coverage, are worth considering to enhance your financial protection.
Is car insurance mandatory in Florida?
So, is car insurance required in Florida? Yes, car insurance is mandatory in Florida.
Which insurance is mandatory in Florida?
So, what is the minimum car insurance required in Florida? According to Florida car insurance laws, the mandatory insurance types are:
- Personal Injury Protection (PIP)
- Property Damage Liability (PDL)
What auto coverage is 10/10 in Florida?
The “10/10” coverage refers to the minimum car insurance in Florida.
Is liability insurance required in Florida?
The required Florida minimum liability insurance is Property Damage Liability (PDL).
Do I need 100/300 auto insurance in Florida?
100/300 refers to higher limits of liability insurance: $100,000 per person and $300,000 per accident for bodily injury. While not required by law, these limits are recommended for better protection.
Do you have to have full coverage on a car in Florida?
Full coverage (which includes comprehensive and collision 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 basic limits of liability insurance in Florida?
The basic insurance requirements for liability coverage in Florida are: $10,000 for Property Damage Liability (PDL)
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.
What is the recommended auto insurance coverage in Florida?
While the required auto insurance in Florida is 10/10 for PIP and PDL, it is 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
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, monthly premiums can range from $100 to $210.
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?
Companies like Geico, State Farm, and Progressive are often among the more affordable options.
Is Florida a no-fault state?
Yes, Florida is a no-fault state.
What is the minimum uninsured motorist coverage in Florida?
According to Florida auto insurance laws, Uninsured Motorist (UM) coverage is not mandatory, but it is highly recommended.
What is the minimum PIP coverage in Florida?
The minimum PIP coverage in Florida is $10,000.
What is meant by Florida state minimum car insurance?
Florida’s state minimum car insurance refers to the least amount of coverage you are legally required to have to drive a vehicle.
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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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
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.