Florida car insurance

When looking for dependable car insurance in Florida, all roads lead to Progressive. Explore Florida's car insurance requirements, optional coverages, and available discounts. We'll help you get a car insurance quote in Florida that best fits you and your budget.

4 min to read

What are Florida's minimum auto insurance requirements?

Florida drivers are required to have personal injury protection (PIP) and property damage (PD) liability at the following minimum car insurance limits, plus the recommended bodily injury (BI) liability and uninsured/underinsured BI coverage:

CoverageWhat it coversMinimum amount
Required: Personal injury protection (PIP)What it coversYour medical bills, lost wages, and death benefits.Minimum amount$10,000
Required: Property damage liabilityWhat it coversDamage you caused to someone else's vehicle or other property.Minimum amount$10,000
Optional: Bodily injury liabilityWhat it coversMedical costs, lost wages, sickness, death, and pain/suffering experienced by Minimum amount$10,000 per person
$20,000 per accident
Optional: UM/UIM bodily injury coverage
Customer must purchase BI liability to qualify for UM/UIM BI. UM/UIM BI coverage can be rejected if desired.
What it coversInjuries to you or your passengers caused by a driver with too little or no insurance.Minimum amount$10,000 per person
$20,000 per accident

You may want to increase your car insurance limits above Florida's minimum required amounts to better protect your family's financial well-being. Find out how much car insurance you may need based on your circumstances and preferences.

Is Florida a no-fault state?

Yes. Florida has been a no-fault state since 1972, according to the Insurance Information Institute. As a no-fault state, Florida requires drivers to carry PIP coverage so that their own insurance covers some or all of their medical expenses after a car accident, even if this other driver was at fault. No-fault car insurance also restricts the right to sue to only lawsuits that involve severe injuries.

How much is car insurance in Florida?

Your car insurance cost will ultimately depend on several factors like where you live, your driving history, and the limits and coverages you select. In 2023, the National Association of Insurance Commissioners cited Florida as one of the top 10 most expensive states for car insurance based on 2020 data, as noted by the Insurance Information Institute.

Progressive offers discounts and incentives to help lower your cost of Florida car insurance.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average. Get an auto insurance quote today.

What is the best car insurance in Florida?

Finding the best car insurance in Florida means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Florida get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**

Looking for the cheapest car insurance in Florida? Here's how much drivers nationwide who save after switching to Progressive save on average, compared to their previous auto insurer:

  • Allstate customers who switch and save with Progressive save $775 on average††
  • GEICO customers who switch and save with Progressive save $740 on average§
  • State Farm customers who switch and save with Progressive save $565 on average

How do I lower my car insurance cost in Florida?

To lower your car insurance cost in Florida, you may qualify for the following discounts through Progressive:

  • Teen driver
  • Good student
  • Distant student
  • Online quote
  • Pay in full

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Florida is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision auto coverage in addition to Florida's state-required coverages. Comprehensive and collision pay to repair or replace your car, regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged as the result of a covered accident. It also makes sense to add these physical damage coverages if you are not sure you could afford a new car or major repairs after an accident.

Explore all our car insurance coverages and use our car insurance calculator to find out which ones are recommended for you.

Resources for Florida drivers

From the Keys to the Panhandle, get to know Florida's driving laws and resources. These resources apply to Miami, Orlando, Jacksonville, and everywhere in between, and local municipalities may have additional laws and resources:

How to get car insurance in Florida

Go online

We ask easy questions, and you customize your coverages.

Quote auto insurance

Call a rep

Talk with a licensed representative who can guide you through the process.

Call 1-866-749-7436

Through an agent

Connect with an independent agent in your area.

Find an agent in Florida

Quote car insurance online or give us a call

Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.