Florida car insurance laws

Florida requires that drivers carry at least 0/0/10.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Florida drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Florida car insurance requirements

Florida requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Florida liability minimums are 0/0/10.

Personal injury protection (PIP). Personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. pays medical costs, such as doctor visits, childcare expenses, and lost wages, for you or your passengers injured in an accident. PIP may be required for drivers who live in at-fault states.

Florida PIP requirements are $10,000.

The average cost of a minimum coverage policy is $993. However, Geico has the lowest minimum car insurance rates, averaging $561.

The table below shows the top insurers' average rates for minimum coverage in Florida.

CompanyAverage annual premiumAverage monthly premium
Geico$561$47
State Farm$647$54
Travelers$715$60
Nationwide$841$70
Farmers$925$77
Mercury Insurance$1,020$85
Allstate$1,084$90
National General$1,166$97
Progressive$1,383$115
UAIC$1,702$142
Read our methodology

Florida car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $993. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Florida.

The cheapest company for minimum coverage in Florida is Geico at an average rate of $561 annually.

State minimum coverage limit10/20/10
Average annual premium$993
Average monthly premium$83
Read our methodology

Are the Florida minimum coverage requirements changing in 2025?

Florida car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Florida?

Florida requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Florida drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

Florida is a no-fault state, meaning your insurer pays for your injuries and damages regardless of who caused the accident. The law requires you to carry personal injury protection (PIP) to pay medical costs, such as doctor visits and prescriptions.

PEOPLE ASK:

Is Florida minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 0/0/10, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Florida?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Florida penalties for driving without car insurance

Since Florida requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Florida car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines$500
Other penaltiesLicense and registration suspension
Jail timeNo
Read our methodology

Florida minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Geico has the best rates for teens with minimum coverage averaging $1,547. Geico offers the cheapest coverage for adults at $569.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $1,033, and the average rate for a 40-year-old male is $955, a difference of $78.

Male
AgeCompanyMale annual premiumMale monthly premium
16Geico$1,657$138
16State Farm$2,425$202
16National General$2,993$249
16Nationwide$3,503$292
16Progressive$3,674$306
16Travelers$3,678$307
16Farmers$4,797$400
16Mercury Insurance$6,447$537
16UAIC$6,455$538
16Allstate$7,015$585
17Geico$1,587$132
17State Farm$2,122$177
17Travelers$2,682$224
17National General$2,880$240
17Progressive$3,458$288
17Nationwide$3,503$292
17Farmers$3,738$312
17Mercury Insurance$5,039$420
17Allstate$5,379$448
17UAIC$5,814$485
18Geico$1,485$124
18State Farm$1,852$154
18Travelers$2,083$174
18National General$2,819$235
18Progressive$3,089$257
18Farmers$3,142$262
18Nationwide$3,503$292
18Allstate$3,853$321
18Mercury Insurance$4,280$357
18UAIC$4,675$390
19Geico$1,389$116
19State Farm$1,601$133
19Travelers$1,644$137
19Nationwide$1,930$161
19Farmers$2,221$185
19National General$2,346$196
19Allstate$2,426$202
19Progressive$2,452$204
19Mercury Insurance$2,824$235
19UAIC$3,426$286
20Geico$1,289$107
20Travelers$1,384$115
20State Farm$1,390$116
20Nationwide$1,618$135
20Farmers$2,001$167
20National General$2,181$182
20Allstate$2,185$182
20Progressive$2,190$183
20Mercury Insurance$2,330$194
20UAIC$3,354$280
21Geico$967$81
21Travelers$1,117$93
21State Farm$1,191$99
21Nationwide$1,245$104
21Allstate$1,537$128
21Farmers$1,649$137
21National General$1,676$140
21Mercury Insurance$1,991$166
21Progressive$1,997$166
21UAIC$2,547$212
22Geico$878$73
22Travelers$1,005$84
22State Farm$1,051$88
22Nationwide$1,122$94
22Allstate$1,376$115
22Farmers$1,406$117
22National General$1,579$132
22Mercury Insurance$1,858$155
22Progressive$1,893$158
22UAIC$2,493$208
23Geico$812$68
23Travelers$909$76
23State Farm$946$79
23Nationwide$1,030$86
23Farmers$1,279$107
23Allstate$1,286$107
23Mercury Insurance$1,400$117
23National General$1,492$124
23Progressive$1,737$145
23UAIC$2,300$192
24Geico$752$63
24Travelers$850$71
24State Farm$873$73
24Nationwide$955$80
24Farmers$1,215$101
24Allstate$1,237$103
24Mercury Insurance$1,283$107
24National General$1,440$120
24Progressive$1,650$138
24UAIC$2,221$185
25Geico$688$57
25State Farm$741$62
25Travelers$750$63
25Nationwide$924$77
25Farmers$1,018$85
25Allstate$1,087$91
25Mercury Insurance$1,191$99
25National General$1,360$113
25Progressive$1,453$121
25UAIC$1,908$159
30Geico$586$49
30State Farm$658$55
30Travelers$728$61
30Nationwide$817$68
30Farmers$924$77
30Mercury Insurance$1,020$85
30Allstate$1,074$90
30National General$1,230$103
30Progressive$1,369$114
30UAIC$1,796$150
35Geico$527$44
35State Farm$651$54
35Travelers$744$62
35Nationwide$815$68
35Farmers$895$75
35Mercury Insurance$990$83
35Allstate$1,070$89
35National General$1,190$99
35Progressive$1,341$112
35UAIC$1,723$144
40Geico$525$44
40State Farm$647$54
40Travelers$702$59
40Nationwide$808$67
40Farmers$866$72
40Mercury Insurance$911$76
40Allstate$1,054$88
40National General$1,120$93
40Progressive$1,309$109
40UAIC$1,663$139
45Geico$520$43
45State Farm$636$53
45Travelers$690$58
45Nationwide$800$67
45Farmers$872$73
45Mercury Insurance$913$76
45Allstate$1,043$87
45National General$1,091$91
45Progressive$1,308$109
45UAIC$1,648$137
50Geico$513$43
50State Farm$624$52
50Travelers$662$55
50Nationwide$772$64
50Farmers$836$70
50Mercury Insurance$856$71
50Allstate$1,029$86
50National General$1,075$90
50Progressive$1,263$105
50UAIC$1,602$134
55Geico$496$41
55State Farm$610$51
55Travelers$618$52
55Nationwide$716$60
55Mercury Insurance$796$66
55Farmers$817$68
55Allstate$1,006$84
55National General$1,065$89
55Progressive$1,266$106
55UAIC$1,568$131
60Geico$485$40
60State Farm$601$50
60Travelers$631$53
60Nationwide$707$59
60Mercury Insurance$792$66
60Farmers$810$68
60Allstate$990$83
60National General$1,058$88
60Progressive$1,261$105
60UAIC$1,542$129
65Geico$483$40
65State Farm$601$50
65Travelers$664$55
65Nationwide$766$64
65Farmers$814$68
65Mercury Insurance$842$70
65Allstate$1,008$84
65National General$1,072$89
65Progressive$1,292$108
65UAIC$1,567$131
70Geico$501$42
70State Farm$616$51
70Travelers$718$60
70Nationwide$854$71
70Farmers$902$75
70Mercury Insurance$943$79
70Allstate$1,063$89
70National General$1,142$95
70Progressive$1,380$115
70UAIC$1,679$140
75Geico$556$46
75State Farm$688$57
75Travelers$807$67
75Nationwide$949$79
75Farmers$1,028$86
75Mercury Insurance$1,203$100
75Allstate$1,206$101
75National General$1,240$103
75Progressive$1,585$132
75UAIC$1,793$149
Read our methodology
AgeCompanyFemale annual premiumFemale monthly premium
16Geico$1,659$138
16State Farm$1,950$163
16National General$2,852$238
16Nationwide$2,912$243
16Progressive$3,686$307
16Travelers$2,986$249
16Farmers$4,994$416
16Mercury Insurance$6,432$536
16UAIC$5,582$465
16Allstate$6,533$544
17Geico$1,600$133
17State Farm$1,717$143
17Travelers$2,241$187
17National General$2,745$229
17Progressive$3,459$288
17Nationwide$2,912$243
17Farmers$3,712$309
17Mercury Insurance$5,188$432
17Allstate$4,803$400
17UAIC$5,036$420
18Geico$1,545$129
18State Farm$1,509$126
18Travelers$1,778$148
18National General$2,634$220
18Progressive$3,027$252
18Farmers$2,985$249
18Nationwide$2,912$243
18Allstate$3,622$302
18Mercury Insurance$4,013$334
18UAIC$4,046$337
19Geico$1,456$121
19State Farm$1,311$109
19Travelers$1,446$121
19Nationwide$1,624$135
19Farmers$1,986$166
19National General$2,234$186
19Allstate$2,432$203
19Progressive$2,456$205
19Mercury Insurance$2,568$214
19UAIC$3,045$254
20Geico$1,310$109
20Travelers$1,254$105
20State Farm$1,144$95
20Nationwide$1,400$117
20Farmers$1,758$147
20National General$2,059$172
20Allstate$2,075$173
20Progressive$2,256$188
20Mercury Insurance$2,187$182
20UAIC$3,032$253
21Geico$998$83
21Travelers$1,035$86
21State Farm$1,035$86
21Nationwide$1,102$92
21Allstate$1,542$129
21Farmers$1,594$133
21National General$1,607$134
21Mercury Insurance$1,909$159
21Progressive$2,040$170
21UAIC$2,338$195
22Geico$918$77
22Travelers$950$79
22State Farm$939$78
22Nationwide$1,019$85
22Allstate$1,490$124
22Farmers$1,399$117
22National General$1,566$131
22Mercury Insurance$1,736$145
22Progressive$1,970$164
22UAIC$2,318$193
23Geico$861$72
23Travelers$894$75
23State Farm$847$71
23Nationwide$970$81
23Farmers$1,304$109
23Allstate$1,338$112
23Mercury Insurance$1,464$122
23National General$1,501$125
23Progressive$1,805$150
23UAIC$2,291$191
24Geico$800$67
24Travelers$872$73
24State Farm$794$66
24Nationwide$925$77
24Farmers$1,265$105
24Allstate$1,256$105
24Mercury Insurance$1,384$115
24National General$1,455$121
24Progressive$1,732$144
24UAIC$2,221$185
25Geico$743$62
25State Farm$730$61
25Travelers$783$65
25Nationwide$926$77
25Farmers$1,186$99
25Allstate$1,123$94
25Mercury Insurance$1,321$110
25National General$1,386$116
25Progressive$1,575$131
25UAIC$2,070$173
30Geico$660$55
30State Farm$658$55
30Travelers$766$64
30Nationwide$874$73
30Farmers$1,074$90
30Mercury Insurance$1,240$103
30Allstate$1,141$95
30National General$1,314$110
30Progressive$1,514$126
30UAIC$1,887$157
35Geico$605$50
35State Farm$651$54
35Travelers$784$65
35Nationwide$874$73
35Farmers$1,021$85
35Mercury Insurance$1,200$100
35Allstate$1,132$94
35National General$1,261$105
35Progressive$1,497$125
35UAIC$1,811$151
40Geico$598$50
40State Farm$647$54
40Travelers$727$61
40Nationwide$874$73
40Farmers$983$82
40Mercury Insurance$1,132$94
40Allstate$1,114$93
40National General$1,212$101
40Progressive$1,458$122
40UAIC$1,747$146
45Geico$580$48
45State Farm$636$53
45Travelers$712$59
45Nationwide$859$72
45Farmers$974$81
45Mercury Insurance$1,137$95
45Allstate$1,105$92
45National General$1,171$98
45Progressive$1,456$121
45UAIC$1,735$145
50Geico$554$46
50State Farm$624$52
50Travelers$693$58
50Nationwide$841$70
50Farmers$912$76
50Mercury Insurance$972$81
50Allstate$1,041$87
50National General$1,135$95
50Progressive$1,363$114
50UAIC$1,645$137
55Geico$526$44
55State Farm$610$51
55Travelers$644$54
55Nationwide$784$65
55Mercury Insurance$936$78
55Farmers$872$73
55Allstate$1,006$84
55National General$1,111$93
55Progressive$1,307$109
55UAIC$1,596$133
60Geico$504$42
60State Farm$601$50
60Travelers$640$53
60Nationwide$776$65
60Mercury Insurance$887$74
60Farmers$877$73
60Allstate$993$83
60National General$1,091$91
60Progressive$1,299$108
60UAIC$1,546$129
65Geico$497$41
65State Farm$601$50
65Travelers$657$55
65Nationwide$800$67
65Farmers$922$77
65Mercury Insurance$954$80
65Allstate$1,015$85
65National General$1,079$90
65Progressive$1,305$109
65UAIC$1,537$128
70Geico$515$43
70State Farm$616$51
70Travelers$697$58
70Nationwide$830$69
70Farmers$989$82
70Mercury Insurance$995$83
70Allstate$1,048$87
70National General$1,089$91
70Progressive$1,316$110
70UAIC$1,544$129
75Geico$559$47
75State Farm$688$57
75Travelers$761$63
75Nationwide$888$74
75Farmers$1,112$93
75Mercury Insurance$1,060$88
75Allstate$1,156$96
75National General$1,161$97
75Progressive$1,421$118
75UAIC$1,679$140
Read our methodology

Florida minimum coverage cost by city

Tallahassee drivers pay the least for minimum coverage in Florida at $857. However, Hialeah pay the most at $1,275.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Florida.

CityAverage annual premiumAverage monthly premium
Tallahassee$857$71
Cape Coral$948$79
Jacksonville$1,029$86
Port St. Lucie$1,055$88
Orlando$1,096$91
St. Petersburg$1,168$97
Tampa$1,192$99
Fort Lauderdale$1,230$102
Miami$1,244$104
Hialeah$1,275$106
Read our methodology

Optional car insurance coverage in Florida

Florida requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

  • Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
  • Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
  • Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
  • Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
  • Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Florida car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Florida?

Yes, Florida requires that you carry at least the minimum mandatory coverage. Necessary coverage includes PIP $10,000.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Florida?

If you're caught driving without car insurance in Florida, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.

Compare state minimum requirements with other states

Alabama
$433/year
Alaska
$398/year
Arizona
$516/year
Arkansas
$397/year
California
$551/year
Colorado
$437/year
Connecticut
$704/year
Delaware
$788/year
Georgia
$577/year
Hawaii
$396/year
Idaho
$357/year
Illinois
$421/year
Indiana
$417/year
Iowa
$260/year
Kansas
$434/year
Kentucky
$606/year
Louisiana
$722/year
Maine
$335/year
Maryland
$727/year
Massachusetts
$511/year
Michigan
$654/year
Minnesota
$475/year
Mississippi
$463/year
Missouri
$488/year
Montana
$350/year
Nebraska
$331/year
Nevada
$720/year
New Hampshire
$397/year
New Jersey
$853/year
New Mexico
$421/year
New York
$731/year
North Carolina
$476/year
North Dakota
$349/year
Ohio
$362/year
Oklahoma
$408/year
Oregon
$641/year
Pennsylvania
$375/year
Rhode Island
$646/year
South Carolina
$720/year
South Dakota
$307/year
Tennessee
$442/year
Texas
$572/year
Washington, D.C.
$558/year
Show more
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