Florida Car Insurance: PIP Rules, Average Cost and Comparing Quotes by ZIP Code
Enter the ZIP code where your car is parked overnight to compare Florida auto insurance quotes with the same limits and deductibles.
By the AutoQuotesByZip editorial team. Last reviewed: October 4, 2026. Data: NAIC, IRC, IIHS, NICB and official state sources listed below.
Florida is the most expensive state for auto insurance in the NAIC data: drivers spent an average of $2,018 per insured vehicle in 2024, about 41% more than the national average. Yet Florida's legal minimum is one of the thinnest in the country — $10,000 of personal injury protection and $10,000 of property damage liability, with no bodily injury liability required at all.
That combination shapes how Floridians should shop. The high average is driven by the liability side of the bill ($1,391, the highest in the U.S.), while collision and comprehensive premiums sit near the middle of the national pack. And with an estimated 20.6% of drivers uninsured, the coverages the state does not require are often the ones that protect you.
Enter the ZIP code where your car is parked overnight to compare Florida auto insurance quotes with the same limits and deductibles.
Florida car insurance at a glance
| Fact | Florida | Source |
|---|---|---|
| Required coverage | $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) | Florida HSMV |
| Bodily injury liability | Not required for most drivers to register a vehicle | Florida HSMV |
| What PIP pays | 80% of necessary medical expenses up to the $10,000 limit, regardless of who caused the crash | Florida HSMV |
| Average annual spending on auto insurance (2024) | $2,017.97 — 1st highest of 51 (US: $1,431.63) | NAIC |
| Change in average spending | +7.4% vs 2023; +45.3% vs 2020 (US: +11.7% and +36.6%) | NAIC |
| Average liability / collision / comprehensive premium | $1,391 / $506 / $278 | NAIC |
| Estimated uninsured drivers (2023) | 20.6% — 7th highest (US: 15.4%) | IRC via III |
| Traffic deaths (2024) | 3,138 — 13.4 per 100,000 people; 1.26 per 100 million miles (US: 11.5 and 1.19) | IIHS |
| Vehicle thefts (2025) | 27,142 — 4th-most of any state, but down 29%, one of the largest declines in the country | NICB |
| No-fault system | Florida is one of 12 no-fault states, with a verbal threshold for lawsuits | Insurance Information Institute |
| Coverage lapse | Coverage must be continuous; a lapse can lead to suspension of your license and registration for up to 3 years and a reinstatement fee of up to $500 | Florida HSMV |
Compare Florida quotes for your ZIP code. Ask each insurer to price the same PIP, PDL, bodily injury and UM limits.
How Florida’s no-fault minimum works
Under Florida’s no-fault law, your own PIP coverage pays first after a crash, no matter who caused it. The Florida Department of Highway Safety and Motor Vehicles explains that PIP covers 80% of necessary medical care up to $10,000, while property damage liability pays up to $10,000 for damage you cause to someone else’s property. Florida law (§324.022, Florida Statutes) sets the property damage requirement.
What is missing is bodily injury liability. If you seriously injure another person, a minimum policy leaves you personally exposed beyond PIP. Most comparison shoppers in Florida therefore quote bodily injury liability at limits they could defend in a lawsuit, and add uninsured motorist coverage to protect themselves. Read more in our guide to no-fault states.
Where Florida’s high average comes from
NAIC’s breakdown shows the cost concentrated in liability: Florida’s average liability premium of $1,391 is about 71% above the U.S. average and ranks 1st of 51. Collision ($506, 15th) and comprehensive ($278, 25th) are close to the national averages of $516 and $283.
| 2024 NAIC measure | Florida | United States | Rank (1 = most expensive) |
|---|---|---|---|
| Average expenditure (all coverages actually bought) | $2,017.97 | $1,431.63 | 1st of 51 |
| Liability premium | $1,391.15 | $813.27 | 1st |
| Collision premium | $505.81 | $516.39 | 15th |
| Comprehensive premium | $277.58 | $283.15 | 25th |
| Liability + collision + comprehensive combined | $2,174.55 | $1,612.81 | 1st |
Florida’s average rose 7.4% between 2023 and 2024 — one of the smallest one-year increases in the country — after rising sharply earlier. Over 2020–2024 the increase was 45%, second only to Texas. Compare all states in our average cost table.
Uninsured drivers and theft in Florida
The Insurance Research Council estimates that 20.6% of Florida drivers were uninsured in 2023, the 7th-highest share in the U.S. Because Florida does not require bodily injury liability, even an insured at-fault driver may carry nothing that pays for your injuries beyond your own PIP. Uninsured motorist coverage fills that gap; our state-by-state uninsured motorist page explains how it works.
Theft is moving the other way. NICB reports 27,142 vehicle thefts in Florida in 2025, still the fourth-highest total, but 29% fewer than the year before.
Comparing Florida quotes by ZIP code
Florida policies are rated on the address where the vehicle is garaged, so a move from one county to another — or even across a city — can change your premium. When you compare, keep these inputs identical across insurers: PIP deductible, property damage limit, bodily injury limits, uninsured motorist limits (stacked or non-stacked), and collision and comprehensive deductibles. Change one item at a time to see what it really costs. Our ZIP comparison checklist walks through the process.
Frequently asked questions
What car insurance is required in Florida?
Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property damage liability on vehicles registered in the state. Bodily injury liability is not required for most drivers, but it is widely recommended.
Why is Florida car insurance so expensive?
NAIC data show Florida’s cost is concentrated in liability coverage, where the average premium of $1,391 is the highest in the country. Florida also has a high share of uninsured drivers (20.6%).
Is Florida a no-fault state?
Yes. Florida is a no-fault state: your own PIP pays the first $10,000 of covered injury costs (at 80% of medical bills) regardless of fault. Lawsuits for pain and suffering are limited to serious injuries.
What happens if my Florida insurance lapses?
Florida requires continuous coverage on a registered vehicle. According to FLHSMV, a lapse can lead to suspension of your driver license and registration for up to three years and a reinstatement fee of up to $500.
Sources
- Florida HSMV — Insurance requirements
- Florida Statutes §324.022
- NAIC, 2024 Auto Insurance Database Average Premium Supplement
- Insurance Information Institute, Facts + Statistics: Uninsured motorists (Insurance Research Council estimates for 2023)
- NICB, U.S. vehicle thefts experience historic decline (2025 data)
- IIHS-HLDI, Fatality facts 2024: State by state
- Insurance Information Institute, Background on: No-fault auto insurance
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