Florida Minimum Auto Insurance Requirements
$10,000 Personal Injury Protection and $10,000 Property Damage Liability for vehicles with a current Florida registration.
Source: Florida Highway Safety and Motor Vehicles Insurance Requirements. Always confirm final requirements with the state or a licensed insurance professional before binding coverage.
What Makes Florida Quotes Different
Florida's no-fault system requires PIP and property damage liability for registered vehicles. Bodily injury liability may still matter after serious crashes and in specific driver situations.
Miami, Orlando, Tampa, Jacksonville, and coastal areas can price differently because weather risk, litigation exposure, uninsured driver risk, theft, and repair costs vary.
Major markets to compare carefully
- Miami
- Orlando
- Tampa
- Jacksonville
- St. Petersburg
How to Compare Car Insurance Quotes in Florida
Compare PIP, property damage liability, bodily injury liability options, comprehensive/collision deductibles, and uninsured motorist choices side by side before binding coverage.
- Use the same liability limits on every quote.
- Match comprehensive and collision deductibles before comparing price.
- Check whether roadside, rental reimbursement, and glass coverage are included or optional.
- Review claim service, renewal process, and cancellation rules before buying.
Coverage Decisions Worth Reviewing
- Bodily injury liability is often worth reviewing even when it is not the basic PIP/PDL registration requirement.
- Comprehensive coverage can matter for storm, flood, theft, and glass-related losses.
- Drivers should verify whether stacked or non-stacked uninsured motorist options are available and appropriate.
Florida Car Insurance FAQ
What is the minimum car insurance required in Florida?
Florida requires vehicles with a current registration to carry at least $10,000 in Personal Injury Protection and $10,000 in Property Damage Liability.
Is Florida a no-fault state?
Yes. Florida's no-fault framework requires PIP coverage, which pays certain covered medical expenses regardless of who caused the crash.