Written by: VehiclesInformation Editorial Team · Fact-checked against: state insurance department rules and 2026 rate data (our methodology) · Last reviewed: October 2026
Florida drivers pay about $236 a month for full coverage and about $142 a month for liability-only car insurance in 2026, well above the U.S. average of $175. The calculator below is set to Florida and needs no name, phone, email or ZIP code.
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Florida minimum car insurance requirements
| Coverage | Minimum |
|---|---|
| Personal injury protection (PIP) | $10,000 |
| Property damage liability (PDL) | $10,000 |
| Bodily injury liability | Not required for most drivers |
Florida is one of the few states that does not require bodily injury liability for most drivers. That means a crash you cause could leave you personally paying the other driver’s medical bills. Drivers with certain serious violations, such as a DUI, must carry bodily injury cover. Most experts recommend at least 100/300 bodily injury plus uninsured motorist cover in Florida.
What no-fault means in Florida
Florida is a no-fault state. After a crash, your own PIP pays 80% of your medical bills and 60% of lost wages up to $10,000, no matter who caused it. You can only sue the other driver for serious injuries.
Why Florida car insurance is so expensive
- Hurricanes and flooding drive up comprehensive claims.
- A high share of drivers have no insurance, raising uninsured motorist costs.
- Heavy traffic and tourists in Miami, Orlando and Tampa.
- Historically high levels of lawsuits and claim fraud. A 2023 law change aimed at reducing lawsuits has started to slow price increases.
How to pay less in Florida
- Compare at least three insurers. Florida prices vary a lot between companies.
- Ask about a PIP deductible to lower the PIP part of your bill.
- Raise your collision and comprehensive deductible.
- Keep a clean record and good credit. Florida allows credit-based pricing.
- Ask about anti-theft and safety-feature discounts.
Compare Florida with other states on our car insurance calculator by state.
Frequently asked questions
How much is car insurance in Florida per month?
About $236 for full coverage and $142 for liability-only on average in 2026.
What is the minimum car insurance in Florida?
$10,000 personal injury protection and $10,000 property damage liability.
Is bodily injury liability required in Florida?
Not for most drivers, but it is strongly recommended and required after certain violations.
Does Florida use credit for car insurance?
Yes. Florida insurers can use a credit-based insurance score.
About our numbers
Prices on this page are estimates for U.S. drivers, built from 2025–2026 published rate studies (including Insurify, CarInsurance.com, The Zebra and state insurance department rules) and our own pricing model. Percentages for age, tickets, accidents, DUI, credit and vehicle type are our model estimates, not quotes. Your insurer, ZIP code and history will change your price. Read how we estimate car insurance costs.
Written by the VehiclesInformation editorial team. Checked against state insurance rules and 2025–2026 rate data. Last updated October 2026. This is general information, not insurance or legal advice.
VehiclesInformation Editorial Team
The VehiclesInformation Editorial Team researches and writes our car and car insurance guides for U.S. drivers. Insurance figures are checked against state insurance department rules and published 2026 rate studies, and pages are updated when laws or rates change. Read how we estimate car insurance costs.