Florida car insurance

Florida drivers face some of the highest car insurance costs in the country, despite having some of the lowest coverage requirements. But rates are beginning to stabilize thanks to recent reforms that have helped lower claim frequency and costs. Comparing quotes is especially important in Florida, where driver profile and insurance company can dramatically affect pricing.

Florida drivers pay an average of $125 per month for state-minimum coverage, or about $1,505 annually. Full coverage, which includes liability, comprehensive, and collision coverage, averages $259 per month, or $3,114 per year.

Your actual rate can differ based on factors including your age, driving history, vehicle, ZIP code, and insurance company.

Florida Highway Safety and Motor Vehicles (FLHSMV) requires drivers to maintain property damage liability (PDL) and personal injury protection (PIP) coverage. Florida also requires you to carry proof of insurance while driving, either in paper or electronic form. Failure to carry minimum coverage or higher can result in a citation, fines, and suspension of your license and vehicle registration.¹

Unlike most states, Florida doesn’t require drivers to carry bodily injury liability coverage to meet its minimum car insurance requirement.²

What is PIP insurance and how does Florida's no-fault system work?

A standard Florida car insurance policy provides up to $10,000 in no-fault PIP coverage. Some insurers offer up to $20,000 in PIP benefits. 

In Florida, PIP can cover you, your household relatives, passengers, and pedestrians or bicyclists you injure with your vehicle. PIP may pay up to:

• 80% of medical expenses ($2,500 for non-emergency treatment)

• 60% of lost wages

• 100% for essential home services the injured person cannot perform, such as childcare and home care

• $5,000 in death benefits³

Florida’s no-fault system is designed to provide relatively quick access to benefits without requiring drivers to first establish fault. However, that doesn’t mean a driver can never be held responsible for another person’s injuries. 

If you cause death or permanent or disfiguring injuries to someone in an accident, the injured party or their beneficiary can sue you for any expenses that exceed their PIP benefits, plus noneconomic damages such as pain and suffering.⁴

When is bodily injury liability mandatory?

Bodily injury liability (BIL) isn’t a mandatory requirement to drive in Florida. But it can help cover legal fees and settlements if you get sued for causing substantial injuries or death. Drivers with certain serious violations may be required to carry BIL under the Florida Financial Responsibility Law. 

Florida drivers who have caused accidents or had their licenses suspended or revoked for being a Habitual Traffic Offender or another serious offense must carry BIL. Minimum liability limits for these offenses are $10,000 per person and $20,000 per accident for bodily injury liability, plus $10,000 for property damage liability.¹

Your insurer must complete an SR-22 form and submit it to the FLHSMV each time your policy renews for three years.⁵

If you’re convicted of a DUI, you’ll be required to carry even higher BIL limits of $100,000 per person, $300,000 per accident, and higher PDL limits of $50,000 per accident for three years. 

The following table highlights the cheapest car insurance companies in Florida. These figures are averages, so the cheapest insurer may differ by driving profile.

Insurers consider multiple factors when calculating Florida car insurance premiums. Key factors include your:

• Age: Drivers under 25 and over 65 may pay higher rates due to higher accident risk.

• Credit score: Insurers may consider your credit history, including your debt load and payment history, when setting rates.

• Gender: Males often pay higher rates than females as they are considered riskier drivers and have a higher fatality rate.⁶

• Driving record: Insurers look at your past moving violations and accidents to determine your likelihood of filing future claims. The more likely you are to file a claim, the more you’ll pay.

• Vehicle make and model: Vehicles that cost more to repair or replace, or have a higher risk of being stolen or vandalized, typically cost more to insure.

• Vehicle usage: Your commute to work or school factors into your rates, with longer commutes raising premiums because of higher claim risk.

• ZIP code: Insurers consider local factors such as population density, crash rates, road conditions, and the cost of vehicle repairs and medical care.

How your driving record affects Florida rates

Driving violations and at-fault accidents can significantly increase Florida car insurance costs. Check out the table below to see how rates differ by driving record in Florida.

An FR-44 is a form insurers must complete and provide to the FLHSMV, proving a Florida driver carries the higher insurance limits required after certain offenses. It’s not a separate type of insurance policy. 

You may need FR-44 insurance in Florida if you’re convicted of:

• Driving under the influence (DUI)

• Insurance fraud

• Manslaughter

• Vehicular homicide

• Failure to stop and render aid after a crash with injuries

• Committing a felony using a motor vehicle⁷

These offenses typically require liability limits of 100/300/50 and FR-44 insurance for three years. That’s considerably more liability coverage than Florida’s standard minimum requirement of $10,000 PDL. Higher limits — and underlying offense — can make insurance substantially more expensive.

According to Luva’s research, Florida ranks in the middle of the pack for driver risk, based on violation rates across all states.⁸ But Florida’s car insurance costs have historically reflected a combination of severe weather exposure, heavy traffic, vehicle thefts, uninsured drivers, insurance fraud, litigation, and repair costs. 

Severe weather, traffic, and theft

Florida is the third most populated state⁹ and ranks 8th for population density, according to U.S. Census Bureau data.¹⁰ That means more people are on the roads, which contributes to a higher accident rate. 

As the southeastern tip of the U.S., Florida faces a wide range of natural disasters, including hurricanes, flooding, tornadoes, and wildfires. It’s also a hotspot for vehicle thefts, ranking 4th in the country with 27,142 thefts in 2025, according to the National Insurance Crime Bureau (NICB).¹¹

Weather and car thefts can increase comprehensive losses, while crashes and vehicle damage contribute to PDL and collision costs. Insurers consider past loss trends when setting rates, including claim frequency and severity.  

Litigation, insurance fraud, and legal reforms

Litigation and staged accidents have driven rate increases in Florida for years. Recent reforms targeting legal system abuse, assignment-of-benefits practices, and claim fraud have helped reduce insurance losses. 

The Insurance Information Institute (III) reports that Florida’s personal auto liability loss ratio reached its lowest level in 15 years in 2025. The physical damage loss ratio also fell to under 50%, down from 112% in 2022.¹²

Those improvements are beginning to reach consumers. Florida’s five largest auto insurance groups, representing about 78% of the state’s market, exceeded rate reductions of 6% through mid-2025.¹²

High rate of uninsured motorists

Florida also has a particularly large uninsured driver problem. The FLHSMV states the uninsured motorist rate is 5.13% as of August 2026.¹³ But a 2025 analysis by the University of Alabama estimates that nearly 20% of Florida drivers are uninsured. That means that, effectively, 80% of Florida drivers are shouldering the costs of crashes.¹⁴

Florida drivers have several ways to potentially reduce their premiums:

1. Compare multiple insurers. Rates can vary dramatically between companies for the same driver and vehicle. 

2. Evaluate your coverage needs. State-minimum may satisfy the FLHMSV, but are rarely enough to protect you financially if you cause an accident. It also doesn’t provide coverage for your vehicle like full coverage does.

3. Raise your deductible. A higher comprehensive or collision deductible can reduce your premium if you can afford the higher cost if you file a claim. III estimates a savings of up to 30% if you increase your deductibles from $200 to $500.¹⁵

4. Ask about discounts. Insurers may offer savings for bundling policies, maintaining a clean record, paying in full, or completing a state-approved driver training course.

5. Review your mileage. Drivers who commute less may qualify for lower rates with some insurers.

6. Improve your driving record. Tickets, accidents, and DUI convictions can substantially increase premiums.

7. Consider pay-per-mile or usage-based insurance. Low-mileage drivers may save with insurers who offer pay-per-mile policies that charge a per-mile rate. Safe drivers may get cheaper rates by allowing their insurer to track their driving habits.

8. Shop before renewal. Don’t assume your current insurer is still the cheapest option, even if your renewal rate is cheaper than your current term premium.

Since 2025, 42 auto insurers have filed for rate reductions in Florida in response to improved loss results (spending less on claims than previously expected) and legal reforms.¹² If you haven’t shopped around recently, you could be paying too much for Florida car insurance.

Ready to compare your options? Luva can help you compare multiple quotes side by side so you can easily see which insurer offers the best rate for the coverage you need. Still unsure what coverage level is best? Ask Lu, your personal insurance guide, for help.