What are the minimum state requirements for car insurance in Florida?

If you reside in the Sunshine State, you'll need coverage limits of at least:

  • Personal injury protection (PIP): $10,000
  • Property damage liability (PDL): $10,000

PIP covers your medical costs, as well as lost wages and death benefits, and pays out even if you're at fault. PDL covers damage you cause to another person's vehicle or property.

Uninsured/underinsured bodily injury coverage (UM/UIM BI) is also recommended, with the following minimum limits:

  • UM/UIM BI: $10,000 per person, $20,000 per accident

Note: This coverage can be rejected.

UM/UIM BI covers medical expenses for you and your passengers if you're hit by a driver with no insurance or not enough coverage.

To ensure all of your assets are protected in case you’re liable in an auto accident, you can increase your limits beyond your state's requirements to cover your total net worth.

Progressive's Snapshot® discount program personalizes your rate based on your driving. The safer you drive, the more you could save. See more on Snapshot.

Consider carrying comprehensive and collision coverage

When you lease or finance a vehicle, lenders will usually require you to carry comprehensive and collision. Comprehensive covers damage to your car from incidents out of your control, such as theft and hitting an animal. Collision covers damage to your vehicle if you hit another object, including another vehicle, guardrail, or tree.

More coverages to consider:

Medical payments

Medical payments cover the cost of injuries to you or your passengers after a covered accident. Learn more about medical payments coverage.

Loan/lease payoff

If your vehicle is damaged in a covered accident and you owe more on your car than what it’s worth, loan lease payoff coverage, also known as gap insurance, can cover the difference.

How much is car insurance in Florida?

The cost of a Florida auto insurance policy may vary based on a number of factors, like your driving history, the vehicles you drive, ZIP code, plus the limits and coverages you choose. Learn more about the factors behind car insurance rates.

What discounts are available with Florida auto insurance?

Progressive customers could earn a variety of discounts, such as:

  • Multi-car
  • Multi-policy
  • Smart technology
  • Paid in full
  • Three-year safe driving
  • Online quote
  • Five-year accident-free
  • Teen driver
  • Good student

See all auto insurance discounts.

Fast facts about Florida auto insurance

  1. In 2017, Florida ranked second for states with the most distracted driver accidents. If you're a safe driver, you could save more with Progressive's Snapshot program.

  2. According to the Insurance Information Institute, Florida ranked third in the nation for most motor vehicle thefts in 2018. Carry comprehensive coverage to help protect your vehicle against theft.

  3. An estimated 26.7% of Florida drivers were uninsured as of 2015. With uninsured motorist coverage, you're protected, up to the limits of your policy, if the other driver can't pay.

How to get car insurance in Florida


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