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Florida Car Insurance

Florida car insurance may have more quirks than insurance in any other state. Insurance fraud, hurricanes and a seasonal influx of snowbirds all affect car insurance rates in Florida, which range widely depending on the neighborhood. The Miami and Tampa metro areas see Florida’s highest rates. Florida car insurance laws are lax – it’s a no-fault state with the lowest requirements in the country – but the Florida Financial Responsibility Law can force you to buy bodily injury liability insurance after an accident or violation. Read on to learn all you need to know about car insurance in Florida before buying a policy.

Florida Car Insurance Requirements
Average Car Insurance Rates in Florida
Car Insurance Companies in Florida

Florida car insurance requirements

Florida state law requires the following minimum car insurance coverage:
Minimum property damage liability $10,000
Personal injury protection $10,000
*Bodily injury liability not required by state; many carriers require $10,000/$20,000

Florida Car Insurance Rates by ZIP Code & City

Top Cities
Priciest Neighborhoods
In Florida
  • 33142: $2,248
  • 33010: $2,248
  • 33147: $2,247
  • 33135: $2,244
Cheapest Neighborhoods
In Florida
  • 32694: $1,078
  • 32667: $1,080
  • 32618: $1,080
  • 32643: $1,080

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What you need to know about car insurance in Florida

Penny Gusner
Consumer Analyst

Currently, Florida has the lowest car insurance requirements of any state.

To register a car you must have a Florida-based car insurance policy covering $10,000 in property damage liability and $10,000 in personal injury protection (PIP). We strongly recommended that you also purchase bodily injury liability coverage. While not required by the state, many car insurance companies require it as part of any policy they issue in Florida.

Here's why: Florida is a no-fault state. Treatment for any injuries you suffer is covered by your personal injury protection, up to its limit, regardless of who caused the accident. If bills exceed that limit, the at-fault driver is legally personally responsible unless he or she has bought bodily injury liability coverage.

What's worse, even though bodily injury liability isn't mandated by the state to register a car, the Florida Financial Responsibility Law could force you to buy it after a serious accident or traffic violation.

If you buy bodily injury liability coverage, the smallest amount you can buy is $10,000 per person (up to $20,000 per accident). Homeowners and those with substantial assets need more than that.

Hurricane warning

Hurricanes and tropical storms threaten Florida each year. Comprehensive coverage will repair the damage to your vehicle -- but you can't wait too long to buy it. Make sure to get the coverage in effect before a storm warning is issued.

No-deductible windshield repair or replacement

In an effort to get drivers to repair cracked or damaged windshields, Florida state law says that your comprehensive coverage deductible isn't applicable for damage to the windshield.


If a vehicle is in Florida for more than 90 days during a 365-day period (the days do not have to be consecutive) you must purchase PIP and property damage liability limits of at least the state minimum limits. See "Car insurance for snowbirds" for more information.

Uninsured motorist penalties for Florida

You may have to pay a $30 fine and your registration and license may be suspended and your plates confiscated. You may also be required to file an SR-22 form. If your license and registration are suspended, you will have to pay a $150 reinstatement fee upon renewal.

Seat Belt Law

If you're a driver or passenger and are ticketed for a seat belt violation, you will not get a point on your record; however, if the ticket is for a child restraint offense, it comes with three points. The fine is $30 for adults and $60 for children, plus administrative and court costs.

Expired Registration

Registrations issued in your name expire at midnight on the day of your birth date, except for mobile homes and commercial vehicles. The fine for a tag that is expired for less than six months is around $100 and a tag expired six months or more can come with jail time up to 60 days and/or a fine of up to $500.

Insurance Fraud

Florida is notorious for car insurance fraud. It has more questionable claims than any other state, with con men frequently taking advantage of its no-fault insurance law, which requires all drivers to carry $10,000 in personal injury protection coverage for injuries suffered in a car crash.

Proof of insurance via smartphone

Florida is one of 31 states that allow drivers to show electronic proof of insurance during a traffic stop.

Largest car insurance companies in Florida by market share

Rank Company / Group Direct Premiums Written ($) Market share (%)
1 Berkshire Hathaway Insurance 2,707,730 19.17
2 State Farm Group 2,410,915 17.06
3 Progressive Insurance Group 1,840,709 13.03
4 Allstate Insurance Group 1,671,344 11.83
5 USAA Group 894,943 6.33
6 Liberty Mutual Insurance Companies 530,038 3.75
7 Farmers Insurance Group 466,711 3.30
8 Infinity P&C Group 433,577 3.07
9 Travelers Group 316,545 2.24
10 Nationwide Group 248,865 1.76
Source: A.M. Best market share rankings are based on direct premiums written in 2013.

Car Insurance in Florida Cities