Florida car insurance: requirements & free quotes
Florida is a no-fault state: drivers must carry $10,000 in personal injury protection and $10,000 in property damage liability, but bodily injury liability is not required for most drivers. Bills to repeal PIP have been proposed several times, including in 2026, but none has become law. Hurricanes, flooding and heavy tourist traffic make broader coverage a common choice.
Minimum coverage in Florida
$10,000
Property damage
Personal injury protection (PIP) $10,000
Property damage liability $10,000
Bodily injury liability is not required for most drivers
Shown as PIP 10,000 / PD 10,000. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Florida
- Consider adding bodily injury liability even though it isn't required, since it protects you if you injure someone.
- Uninsured motorist coverage helps cover your losses when an at-fault driver lacks adequate insurance.
- Comprehensive coverage is the part of an auto policy that covers hurricane and flood damage.
- Ask about discounts for anti-theft devices and completing a defensive-driving course.
We connect drivers across Florida
Including Jacksonville, Miami, Tampa, Orlando and Fort Lauderdale — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Florida car insurance FAQ
Yes. Florida is a no-fault state, so after most accidents your own personal injury protection (PIP) pays for your injuries first, regardless of who caused the crash. Lawsuits are limited unless injuries meet the state's threshold.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.