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Florida Car Insurance


Florida auto insurance has some unique qualities compared with insurance in other states, and we’ll help you understand it all. Here we provide Florida auto insurance requirements, our recommendations for the coverage you should buy, and insurance laws that are specific to Florida. Also, you can see average car insurance rates for every ZIP code, gender and age in Florida to help inform you as you shop for auto insurance in the Sunshine State.

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Coverage recommendations


Florida auto insurance requirements

To register a car, you must have a car insurance policy covering $10,000 in property damage liability and $10,000 in personal injury protection (PIP).

Here we explain the types of car insurance you must have:

  • Personal injury protection (PIP): Covers you, your passengers and other authorized drivers of your car who are injured while in your insured vehicle. PIP coverage in Florida also covers you and your family members if you are injured while riding in someone else's car or if struck by another vehicle while on foot. PIP is sometimes called “no-fault insurance” because it kicks in regardless of who is at fault. You must have $10,000 PIP coverage.
  • Property damage liability: Covers, up to your limits, damage you cause to other cars or property. You must have a minimum of $10,000 property damage liability coverage.

Florida car insurance quotes comparison

If you want to compare car insurance quotes, find out average car insurance rates for your city or town using our tool. It shows rates by ZIP code. Enter a ZIP code to see the average premium for the location. You will also see the highest and lowest rates from the six major carriers surveyed. This way you can see if your quote is coming in too high and if you should keep shopping or not.

Car insurance companies use different formulas and weigh risks differently for each driver. This means rates can vary significantly by insurer. Here is how much the highest and lowest quote among six carriers differed for the same driver in the same car in the following neighborhoods. These ZIP codes are the most expensive for car insurance in their respective metro areas. The rate difference is how much you can overpay if you don’t compare quotes:


ZIP code

Highest rate

Lowest rate

Amount you may overpay
















St. Petersburg










*Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.  The rate includes Florida’s mandatory personal injury protection and uninsured motorist coverage. Data for CarInsurance.com provided by Quadrant Information Services.

Coverage recommendations

Why you should also buy bodily injury liability

You certainly can drive with just the minimum coverage mandated by the state. But we strongly recommend that you also purchase bodily injury liability coverage. This pays, up to your policy limits, for injuries others receive in an accident caused by you or other drivers listed on your policy. 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. This is 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.

Cheapest Florida car insurance coverage rates

If you buy the cheapest car insurance possible (the minimum liability insurance required under Florida law, plus bodily injury as required by most insurers), here is what it will cost you, on average, broken down by age and gender:

               Average Florida car insurance rates for state minimum coverage plus bodily injury


Rate for women

Rate for men











































*The table shows the average annual rate of 10 ZIP codes in the state from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers.  Data was provided for CarInsurance.com by Quadrant Information Services.

Why full coverage offers the most protection

If you don’t drive much, have an old car or few assets to protect, minimum coverage may be sufficient. But if you have a home and savings, you should consider buying more insurance.

Here’s why: A minor accident could easily exceed minimum liability coverage limits, leaving you responsible to pay for damages not covered by insurance. For example, if you have $10,000 in liability insurance and you cause an accident that costs $50,000, you have to pay $40,000 out-of-pocket. If you don’t have the money on hand, your assets may be at risk, and your license and registration may be suspended until you pay off the bills.

The Insurance Information Institute (III) recommends liability coverage levels of 100/300/100 for sufficient protection.

In addition to higher liability limits, here are other common optional coverages:

  • Collision coverage: Pays for damage to your car from an accident. The average annual cost for collision coverage in Florida is $265, according to the III.
  • Comprehensive coverage: Pays to replace stolen cars and for damages to your car from theft, fire, flooding, hail, animal strikes, falling objects and vandalism. The average annual cost for comprehensive coverage in Florida is $235, according to the III.

If you choose to buy comprehensive or collision coverage, you will have to choose a deductible. A deductible is the amount you pay when you file a claim before your insurance benefits kick in. For example, if you set your deductible at $1,000 and your car sustains damages totaling $1,800, you will pay $1,000 and your insurance company will pay $800. The higher your deductible is, the lower your rate will be. If you choose to go that route, be sure you have the money saved to pay the deductible should you have to file a claim to get your car fixed.

Buying the recommended liability coverage with comprehensive and collision will cost more, but generally won’t break the bank. Here are how rates compare for bare-bones coverage and full coverage:



Minimum liability with bodily injury

Full coverage with $1,000 deductible

Annual extra cost for full coverage

Monthly extra cost for full coverage











*Florida minimum liability and bodily injury coverage compared to comprehensive and collision with 100/300/100 liability coverage with a $1,000 deductible.

Factors that affect your car insurance rate

In addition to traffic violations, your credit, gaps in coverage, accidents and who you add to your policy can impact your rates. Here is how average car insurance rates in Florida compare to those for common mishaps, as well as for adding a young driver:


Clean driver rate

Rate after incident

$ difference

1 Bodily injury accident




1 Property damage accident over $1,000




Coverage lapse of 15 days




Add 16-year-old female teen




Add 16-year-old male teen




Poor credit




*The table shows the average annual rate of 10 ZIP codes in the state from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. In some cases, insurers declined coverage. Data was provided for CarInsurance.com by Quadrant Information Services.

Florida car insurance laws

Florida mature driver discount

Florida law says that drivers age 55 and older get a 10 percent discount on their rates if they pass a state-approved driving course. The discounted rate applies to the liability (bodily injury and property damage), personal injury protection, and collision portions of your policy. You will get the discounted rates for three years if you don’t cause an accident and have no moving violations on your record.

How much will a speeding ticket raise my car insurance rates?

Typically insurers review your driving record upon renewal, and will raise your rates if you have a speeding ticket. This higher rate typically lasts for three years. A speeding ticket in Florida will raise your rates, on average, by 15 percent, according to our analysis of rates based on Quadrant Information Services data.

Hurricane warning

Hurricanes and tropical storms threaten Florida each year. Comprehensive coverage will repair the damage to your vehicle for hail and flooding -- but you can't wait too long to buy it. Make sure to get the coverage in effect before a storm warning is issued. Otherwise you may be out of luck. Most insurers will not allow you to buy extra insurance once a tropical storm or hurricane watch/warning is issued. You’ll have to wait 48 to 72 hours after it’s lifted to buy more coverage.

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 windshield damage.


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 personal injury protection and property damage liability limits. You must get at least the state minimum limits. See "Car insurance for snowbirds" for more information.

Uninsured motorist coverage and penalties for driving in Florida without insurance

Florida is second in the nation for the percent of uninsured drivers on the road – 24 percent. (Oklahoma is No. 1 with 26 percent.) That’s why it’s wise to carry uninsured motorist coverage. It helps pays for damages when you’re in an accident with an uninsured driver.

If you’re the one driving without coverage and you’re busted, 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 

point on your record; however, if the ticket is for a child restraint offense, it comes with three points. The fine is $30 per adult and $60 per child, 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 43 states that allow drivers to show electronic proof of insurance during a traffic stop.

Florida senior driver law

Drivers over age 80 must renew their license every six years, compared with every eight years for younger people. Additionally, people 80 and older must pass an eye exam with every renewal.

Florida also allows confidential reporting of a possibly unsafe driver by anyone – doctor, law enforcement, relative or bystander. Officials may ask those drivers to submit medical reports from their doctor or to undergo testing at a driver license office.

Florida DUI insurance 

Here are the penalties and fines for a DUI in Florida:

First offense: Jail for up to six months; Fine $500-1,000; License suspended 180 days to one year; Hardship reinstatement - complete DUI school prior or hardship application; Community service sine $10 for each hour of community service required; Community service 50 hours; Treatment program may be allowed in lieu of imprisonment; Vehicle impound 10 days.

Second offense: Jail for up to nine months (mandatory 10 days if within five years of previous DUI); Fine $1,000-2,000; License suspended 180 days to one year (License suspended five years if within five years of previous), eligible for hardship reinstatement after one year; Hardship reinstatement - complete DUI school; Ignition interlock device required for one year; Vehicle impound 30 days (if within five years of previous).

If you’ve had a DUI, read our DUI insurance guide to learn how to minimize its effects on your insurance rates and driving record.

Florida FR-44

In order to have your Florida driver’s license reinstated after a DUI, you must bump up your coverage and submit proof that you did so. You must submit verification that you are carrying increased liability insurance ( 300/100/50). Proof of this increased insurance coverage must be provided by filing a form. It is called the Florida Uniform Financial Responsibility Certificate. It is commonly known as the “FR-44 form.” You will have to keep FR-44 coverage in place for three years.

Your insurer will file the form with your state motor vehicle department for you. Be aware, however, that not all insurers will process FR-44 forms. Contact our call center toll-free at 1-855-430-7753. Our agents will help you obtain a quote for the coverage you need. Most companies we work with can provide immediate proof of insurance via e-mail or fax.

Your rates will increase following a DUI conviction, typically for five years. While you will pay more, you can still save by shopping for the insurer with the lowest rate.

Florida DUI car insurance rates by company


Clean driver rate

DUI rate

Dollar increase

% increase

Company 1





Company 2





Company 3





Company 4





Company 5





*The table shows the average annual rate of 10 ZIP codes in the state from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. In some cases, insurers declined coverage. Data was provided for CarInsurance.com by Quadrant Information Services.


Florida DMV and Office of Insurance Regulation resources

For information on how to reinstate your license and registration after a suspension, get the details at the Florida Department of Highway Safety and Motor Vehicles suspensions website.

If you need to get the insurance details for another driver after an accident, mail a request along with a copy of the crash report to:

Bureau of Motorist Compliance
2900 Apalachee Parkway, Room B260F, MS-87
Tallahassee, FL 32399-0585.

To file an insurance-related complaint with the state use the following contact information:

  • Consumer helpline: 1-877-693-5236
  • Out-of-state callers: (850) 413-3089
  • Email address: Consumer.Services@myfloridacfo.com

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.

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