Car Insurance in Florida (2026)
Florida has some of the most expensive car insurance in the nation, averaging $3,244 per year for full coverage. As a no-fault state, Florida requires Personal Injury Protection (PIP), which adds to base costs. The state has the highest uninsured motorist rate in the country (around 20%), plus hurricane risk, dense tourist traffic, and high fraud rates. Despite Florida's low minimum requirements, drivers should carry higher limits. Comparing quotes is critical — rates can differ by $2,000+ between carriers.
$3,244
$270/mo
10/20/10
BI per person/accident/PD
+40%
Above average
GEICO
Most popular in state
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Top Car Insurance Companies in Florida
Florida Minimum Coverage Requirements
Florida requires $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL). Bodily injury liability is NOT required unless you've had a license suspension or DUI.
Important: State minimums are the legal floor, not the recommended coverage level. Most financial experts recommend at least 100/300/100 for adequate protection.
Factors Affecting Rates in Florida
Florida Car Insurance FAQ
Disclaimer: The information on this page is for general informational purposes only and does not constitute insurance advice. Average premium data is sourced from the Insurance Information Institute and publicly available state data (2024-2025). Actual rates vary significantly based on your specific driving record, age, vehicle, location, coverage selections, and other factors. Always verify coverage requirements with the Florida Department of Insurance and get personalized quotes from carriers.