Florida Car Insurance Requirements in 2025 (What FL Drivers Need)
Florida car insurance requirements include minimum liability coverage of $10,000 per person for personal injury protection (PIP) and $10,000 per accident for property damage liability coverage. Drivers in Florida can secure affordable car insurance coverage starting at just $16/month, meeting FL minimum limits.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jan 17, 2025
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jan 17, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Florida car insurance requirements mandate minimum coverage of 10/10, including $10,000 per person for personal injury protection, along with $10,000 for property damage liability coverage.
While these limits ensure legal compliance, additional coverage options like uninsured motorist protection and comprehensive insurance provide enhanced security.
Florida Minimum Car Insurance Coverage Requirements & Limits
| Coverage | Limits |
|---|---|
| Personal Injury Protection | $10,000 per person |
| Property Damage Liability | $10,000 per accident |
Florida drivers can find affordable rates by comparing top companies, with some offering policies as low as $16/month. Understanding your coverage needs and exploring available options ensures the best protection for your budget and peace of mind.
To ensure you have the right coverage at the best rates, enter your ZIP code and compare quotes from leading insurance providers. Don’t miss out on the opportunity to secure the ideal car insurance policy for your needs.
- Florida car insurance requirements mandate 10/10 minimum liability coverage
- USAA offers affordable rates at $16/month tailored to Florida drivers’ needs
- Penalties in FL for no insurance include fines, license suspension, and fees
Florida Car Insurance Requirements & What They Cover
All personal vehicles in Florida must meet specific liability insurance coverage requirements to comply with state laws and ensure adequate protection. Drivers are required to carry personal injury protection (PIP) coverage of at least $10,000 per person.
Additionally, property damage liability of $10,000 per accident is mandatory to pay for damages to another person’s property, such as their vehicle or other assets. These minimum requirements provide a baseline level of financial security, but many drivers opt for higher coverage limits or additional policies like uninsured motorist protection or comprehensive coverage to enhance their protection.
Understanding these requirements is essential to avoid penalties and ensure you’re adequately covered on Florida roads.
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Cheapest Car Insurance in Florida
Finding the cheapest car insurance in Florida is essential for staying protected without breaking the bank. USAA offers the cheapest rates in the state, with minimum coverage starting at just $16/month, making it an excellent option for eligible military members and their families.
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A.M. Best Rating
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17,760 reviews
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3,019 reviewsState Farm follows as the second cheapest provider, with rates averaging $33/month, known for its broad range of discounts and reliable service. Nationwide secures the third spot with affordable rates at $34/month, providing flexible coverage options tailored to Florida drivers.
Florida Min. Coverage Car Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Boca Raton | $96 |
| Cape Coral | $87 |
| Clearwater | $98 |
| Coral Springs | $102 |
| Davie | $99 |
| Fort Lauderdale | $103 |
| Gainesville | $80 |
| Hialeah | $108 |
| Hollywood | $104 |
| Jacksonville | $92 |
| Lakeland | $91 |
| Miami | $110 |
| Miami Gardens | $109 |
| Miramar | $107 |
| Orlando | $95 |
| Palm Bay | $89 |
| Pembroke Pines | $106 |
| Pompano Beach | $105 |
| Port St. Lucie | $88 |
| St. Petersburg | $97 |
| Sunrise | $106 |
| Tallahassee | $85 |
| Tampa | $101 |
| West Palm Beach | $100 |
Comparing these providers can help you find the most cost-effective policy that meets Florida car insurance requirements. Monthly rates can vary significantly depending on where you live in Florida.
For example, drivers in Gainesville enjoy some of the lowest rates at $80/month, while cities like Hialeah and Hollywood have higher averages of $108 and $104/month, respectively.
Other areas, such as Fort Lauderdale and Coral Springs, also see rates exceeding $100/month. To secure the best deal, it’s essential to compare quotes tailored to your location, driving history, and coverage needs.
Other Coverage Options to Consider in Florida
When choosing car insurance in Florida, understanding additional coverage options can help you stay protected beyond the state’s minimum requirements. While Personal Injury Protection (PIP) is mandatory, other types of coverage can provide broader financial security in case of accidents, theft, or unexpected damages. Below are the key options to consider:
- Uninsured/Underinsured Motorist Coverage: Personal injury protection protects you if you’re involved in an accident with a driver who has little or no insurance. This coverage can cover medical expenses and damages once your PIP limits are exceeded.
- Collision Coverage: Comprehensive coverage pays for repairs or replacement of your vehicle after an accident, regardless of who is at fault.
- Comprehensive Coverage: Collision car insurance covers non-accident-related damages such as vandalism, theft, or natural disasters. It’s particularly beneficial for high-risk vehicles or areas prone to severe weather.
Florida drivers should also be aware of the Financial Responsibility Law, which mandates full liability coverage in specific situations, including at-fault accidents involving injuries, license suspensions due to excessive points, and DUI-related revocations.
Adding these optional coverages can provide peace of mind and financial protection, ensuring that you are fully prepared for any situation on the road. Evaluating your needs and comparing options tailored to your budget will help you secure the right policy.
Penalties for Driving Without Auto Insurance in Florida
Driving without car insurance in Florida can lead to serious consequences. For a first offense, your license and registration will be suspended until you pay a $150 fee and show proof of insurance. A second offense increases the fee to $250, and a third or later offense raises it to $500. You must show proof of insurance to get your license back.
Penalties for Driving Without Auto Insurance in Florida
| Violation | Penalty |
|---|---|
| First Offense | Suspension of license and registration until $150 reinstatement fee is paid and proof of insurance is provided. |
| Second Offense | Suspension of license and registration until $250 reinstatement fee is paid and proof of insurance is provided. |
| Third or Subsequent Offense | Suspension of license and registration until $500 reinstatement fee is paid and proof of insurance is provided. |
| Uninsured Accident | Additional penalties, including possible SR-22 filing and court fees. |
| Other Consequences | Potential impoundment of vehicle, additional fines, and suspension periods. |
If you’re uninsured and cause an accident, you could face extra penalties, like having to file special insurance forms (SR-22), paying court fees, or even losing your vehicle. Other consequences might include fines, longer suspensions, or vehicle impoundment.
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To avoid these issues, always keep your car insured and carry proof of insurance with you. You’ll need it during traffic stops, when registering your car, or to reinstate your license if it’s suspended. Staying insured keeps you legal and protects you financially.
Read more: Defensive Driving Courses Can Lower Your Car Insurance Rates
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How to Get Car Insurance in Florida
Getting car insurance in Florida is simple when you know the basics. Start by making sure your policy includes the required minimum coverage of 10/10 for PIP and PDL. Think about adding extra coverage, like uninsured motorist, collision, or comprehensive, to better protect yourself and your car.
Shop around and compare car insurance quotes from different companies to find the best price. Look at options like USAA, State Farm, and Nationwide, which are known for offering good rates and reliable service. Be sure to pick a policy that fits your budget and meets your needs based on your driving habits and location.
By comparing plans and understanding your options, you can find affordable coverage that keeps you safe and follows Florida’s laws. Don’t forget to carry proof of insurance to avoid fines or penalties. Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code to begin.
Frequently Asked Questions
What are the minimum requirements for car insurance in Florida?
Florida requires a minimum of 10/10 coverage, which includes personal injury protection (PIP) coverage of $10,000 per person and $10,000 for property damage liability.
Read more: What does car insurance cover?
What is the new car insurance law in Florida?
The most recent changes to Florida car insurance laws include increased enforcement of minimum liability requirements and stricter penalties for uninsured drivers. Be sure to review current regulations with your provider to stay compliant. See if you’re getting the best deal on car insurance by entering your ZIP code here.
Can someone drive my car if they are not on my insurance in Florida?
Yes, in most cases, your car insurance follows the vehicle rather than the driver. However, it’s important to check your policy as restrictions or exclusions may apply.
Do I need a Florida driver’s license to get car insurance?
No, you can obtain car insurance in Florida with a valid driver’s license from another state or country, but you must eventually switch to a Florida license if you establish residency.
Why is Florida car insurance so expensive?
Florida’s high rates are due to its no-fault insurance system, frequent natural disasters, high traffic density, and a significant number of uninsured drivers.
Read more: Most Stolen Cars in Florida
Which insurance is mandatory in Florida?
Florida requires Personal Injury Protection (PIP) and Property Damage Liability (PDL) as mandatory coverages for all drivers.
What is the 90-day rule in Florida insurance?
The 90-day rule refers to a period when insurance companies may deny certain claims if the driver was not disclosed as a regular user of the insured vehicle.
What is the cheapest car insurance in Florida?
USAA offers the cheapest car insurance rates in Florida, starting at $16/month, though eligibility is limited to military members and their families (Read more: USAA Insurance Review & Ratings).
Can you go without car insurance in Florida?
No, driving without car insurance in Florida is illegal and can result in fines, license suspension, and other penalties.
What happens if someone who isn’t on your insurance crashes your car in Florida?
If someone crashes your car and is not listed on your policy, your insurance may still cover the damages, depending on the terms of your policy. However, exclusions may apply.
How does Florida car insurance work?
Florida operates under a no-fault system, meaning your insurance covers your medical expenses and lost wages regardless of who is at fault in an accident.
Read more: Types of Car Insurance Coverage
Can I drive a car I just bought without insurance in Florida?
No, Florida law requires you to have insurance coverage in place before driving a newly purchased vehicle.
Is Florida a no-fault state?
Yes, Florida is a no-fault state, requiring drivers to carry Personal Injury Protection (PIP) to cover their medical expenses regardless of fault.
What are the requirements to get an insurance license in Florida?
To get an insurance license in Florida, you must complete pre-licensing education, pass the state licensing exam, submit an application, and undergo a background check.
What insurance is required for a financed car in Florida?
Financed cars in Florida typically require full coverage, which includes collision and comprehensive insurance in addition to the state’s minimum liability requirements.
How much is car insurance in Florida?
Car insurance rates in Florida vary based on factors like location and coverage, but the average cost for minimum coverage is around $123/month.
What is full coverage car insurance in Florida?
Full coverage in Florida includes liability, collision, and comprehensive coverage, often with additional options like uninsured motorist protection (Read more: Collision vs. Comprehensive Car Insurance).
How much does it cost to register a car in Florida and get plates?
The cost to register a car in Florida and obtain plates is typically between $225 and $400, depending on the vehicle’s weight and other factors.
What is the most basic car insurance in Florida?
The most basic car insurance in Florida includes the state-mandated minimum coverages: 10/10 for PIP and PDL.
Do you need insurance to register a car in Florida?
Yes, proof of insurance meeting Florida’s minimum requirements is required to register a car in the state. Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.