Let's drop your rate in FL today!
Compare Florida car insurance rates from top carriers
Discover quotes from top providers including:
How It Works
1. Answer a Few Questions
Tell us a bit about yourself and your vehicle to start comparing auto insurance quotes. It only takes a couple of minutes to get your personalized auto insurance options.
2. Compare Auto Quotes
We'll match you with top auto insurance providers so you can compare auto insurance quotes side by side and find the best value for your coverage needs.
3. Get Your Quote & Get Covered
Review your offers, get a quote, and choose the auto insurance policy that fits you best. It's fast, easy, and completely free.
Car Insurance in Florida: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Florida is the most expensive state in the country for car insurance, with full-coverage premiums averaging about $4,247 a year — roughly 57% above the national average. It's also unusual in not requiring bodily-injury liability: the legal minimum is property damage plus personal injury protection. Here's exactly what you must carry, what Floridians pay, and how to cut the cost.
Avg. full coverage
$4,247/yr
Highest in the U.S.
Avg. minimum coverage
$1,056/yr
≈26% above U.S. avg.
State minimum
$10k PD + $10k PIP
No BI liability required
Fault system
No-fault
PIP pays your injuries first
vs. U.S. average
+57%
Most expensive state
Compare Florida car insurance quotes from top carriersEnter your ZIP — it takes under 2 minutes
Minimum coverage required in Florida
| Coverage | Required limit | Notes |
|---|---|---|
| Property damage liability | $10,000 | Required |
| Personal injury protection | $10,000 | Required — Florida is no-fault |
| Bodily injury liability | Not required* | *$10k/$20k if you choose to carry it |
| Uninsured motorist | Optional | Offered but not mandatory |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Florida premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $4,247/yr | 57% above U.S. | Highest in the nation |
| Minimum coverage | $1,056/yr | 26% above U.S. | PD + PIP only |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
See your real Florida rate — not just averagesFree — no spam, no obligation
Florida estimated rates by driver profile (2026)
Estimates anchor each profile to Florida's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$4,247/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$6,073/yr | +43% | 4,247 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$5,266/yr | +24% | 4,247 × 1.24 (Bankrate avg) |
| DUI on record | ~$7,984/yr | +88% | 4,247 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$8,494/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$7,220/yr | +70% | 4,247 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Florida: what helps and what hurts your rate
In your favor
- ✓No-fault PIP means your own medical costs are covered quickly after a crash
- ✓Low legal minimum (PD + PIP) keeps a bare-bones policy technically inexpensive
- ✓Large, competitive market with many national and regional carriers
- ✓Discounts for bundling, telematics, and clean records are widely available
Works against you
- ✗Most expensive state in the country — about 57% above the national average
- ✗Minimum coverage offers no bodily-injury liability, leaving big at-fault gaps
- ✗High rate of uninsured drivers raises costs for everyone
- ✗Hurricane and flood exposure pushes comprehensive premiums up
Ready to compare Florida carriers in your area?Free — no spam, no obligation
A closer look at car insurance in Florida
Florida's headline problem is cost: at about $4,247 a year for full coverage, it leads the nation, and even minimum coverage runs above the national average. The legal minimum is also deceptively thin — carrying only PD and PIP means a single serious at-fault injury claim could expose your personal assets, so many Floridians buy bodily-injury liability voluntarily. Because Florida allows credit-based pricing and rates swing widely by carrier, region, and risk profile, the difference between the cheapest and most expensive quote for the same driver is often well over a thousand dollars a year.
Bottom line
Florida is the costliest state for car insurance, and its bare legal minimum leaves dangerous coverage gaps. Most drivers should add bodily-injury liability and compare several carriers — given the size of the price spread, shopping around is the most reliable way to bring a Florida premium down.
Ready to get quoted? Enter your ZIP to get startedWe'll connect you with carriers serving Florida
Frequently asked questions about Florida car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
AB Test AA Control: B