Florida Car Insurance

Florida car insurance requirements are much lower than in other states. Drivers only need to carry $10,000 in personal injury protection and property damage liability coverage. We recommended driving with more coverage otherwise may be stuck paying out of pocket for any accident you are in. Enter your ZIP code below and start comparing free insurance quotes from multiple Florida auto insurance companies to get better coverage at affordable rates.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Searching for the best car insurance in Florida begins with knowing the basic principles. Our site offers state-by-state resources to inform our users on the rules and regulations and improve their insurance shopping experience.

You can also get multiple car insurance rates by using our free car insurance quotes form.

Interested in home insurance? Read our Florida Homeowner’s Insurance

Florida Car Insurance Coverage

Minimum Florida Car Insurance Requirements
Personal Injury Protection $10,000 Limit
Property Damage Liability $10,000 Limit

Florida doesn’t require its drivers to maintain bodily injury coverage but many insurance companies will not sell a policy without minimum bodily injury limits. Under the Financial Responsibility Law, if a driver is held to be at fault in an accident that results in bodily injury or property damage must have full liability coverage. Specifically, the law requires that any person have liability coverage at the time of the following:

  • A crash where you are at fault and injuries have occurred.
  • A suspension for too many points against your driver license.
  • A citation for DUI, which results in a revocation.
  • A revocation for Habitual Traffic Offender.
  • A revocation for any serious offense where this department is required to revoke your license.

Below are Florida’s minimum requirements under the Financial Responsibility Law:

Minimum Florida Bodily Injury Requirements
Bodily injury liability for one person $10,000
Bodily injury liability for two or more people $20,000
Property damage liability $10,000
Combined single limits $30,000

Florida Car Insurance Regulations & Required Coverage

Most Stolen Vehicles in Florida (2008)
Source: NICB
1. 2000 Honda Civic
2. 1996 Honda Accord
3. 1990 Toyota Camry
4. 2006 Ford F150 Pickup
5. 2004 Dodge Ram Pickup
6. 2008 Nissan Altima
7. 2000 Dodge Caravan
8. 2007 Toyota Corolla
9. 1995 Nissan Maxima
10. 1996 Jeep Cherokee/Grand Cherokee

View the most stolen vehicles in Florida for other years or view the
most stolen vehicles in the U.S.

Important Contact Information

Florida Department of Insurance
200 East Gaines Street
Tallahassee, FL 32399-4288
Phone: (877) 693-5236

Florida DMV
Neil Kirkman Building
2900 Apalachee Parkway
Tallahassee, FL 32399-0500
Phone: (850) 617-2000

Interested in health insurance? Read our Florida Health Insurance

Insurance Guides for Nearby States

Florida Insurance Agents

Jacksonville Car Insurance | Miami Car Insurance | Tampa Car Insurance | Orlando Car Insurance | Hialeah Car Insurance | Tallahassee Car Insurance | Port St. Lucie Car Insurance | Fort Lauderdale Car Insurance | Cape Coral Car Insurance | Pembroke Pines Car Insurance | Hollywood Car Insurance | Miramar Car Insurance | Gainesville Car Insurance | Coral Springs Car Insurance | Miami Gardens Car Insurance | Clearwater Car Insurance | Palm Bay Car Insurance | Pompano Beach Car Insurance

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