What is the minimum car insurance required in Florida?

Florida requires $10K PIP + $10K PDL (no-fault, through June 30, 2026) — bodily-injury liability NOT currently required by state law. Additional required coverage: $10K PIP (Personal Injury Protection) + $10K PDL — no-fault system through June 30, 2026. Driving without minimum coverage results in license suspension, fines of $500+, and personal liability for any damages. The minimum is the legal floor — most drivers benefit from higher liability limits because state minimums often don't fully cover damages from a serious accident.

What is the average cost of car insurance in Florida?

Florida drivers pay an average of $250/month ($3,000/year) for full coverage and $127/month ($1,529/year) for minimum coverage. Your specific quote depends on your age, driving record, credit (where allowed), vehicle, and ZIP code — averages are useful for comparison but always quote 3+ carriers for your real rate.

Which car insurance company is cheapest in Florida?

For minimum coverage, GEICO is cheapest at $51/month ($611/year average). For full coverage, GEICO averages $200/month ($2,400/year). Florida averages are highest in country — even cheapest carriers run high.

How can I lower my car insurance in Florida?

Five proven tactics: (1) Quote 3+ carriers — switching saves the average driver $300–$500/year. (2) Bundle auto + home for 10–25% off (State Farm leads at 22–23%, ~$1,010/yr avg savings). (3) Increase your deductible from $500 to $1,000 — saves 15–30%. (4) Use telematics — Progressive Snapshot saves safe drivers $322/yr avg, up to 30% off. (5) Stack discounts — multi-vehicle, good driver, paperless, autopay, and pay-annually compound to 30%+ off baseline.

Do I need uninsured motorist coverage in Florida?

Florida doesn't legally require uninsured motorist coverage, but it's strongly recommended. Roughly 12–25% of drivers nationally are uninsured (varies by state). UM coverage pays your medical bills and car repairs if you're hit by an uninsured or underinsured driver. It typically costs $5–$15/month and is one of the highest-ROI coverages you can add.

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Verified May 1, 2026·47,000+ readers·Independent rankings

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Quick Answer — Florida

Minimum coverage required: $10K PIP + $10K PDL (no-fault, through June 30, 2026) — bodily-injury liability NOT currently required by state law
Avg full coverage cost: $250/month ($3,000/year)
Cheapest carrier (minimum): GEICO — $51/mo avg
Cheapest carrier (full coverage): GEICO — $200/mo avg
⚠️ Upcoming change: MAJOR CHANGE: Effective July 1, 2026, Florida abandons no-fault PIP and adopts standard liability. New minimums: 25/50 bodily injury + $5,000 MedPay. Drivers may save ~$349/yr on average under the new system.

What's special about car insurance in Florida

No-fault state (through June 30, 2026) — your own PIP pays your medical bills regardless of fault
Highest average minimum coverage cost in the US ($1,529/yr)
Hurricane risk drives comprehensive coverage cost; coastal areas pay 2–3x inland averages
Many uninsured drivers — uninsured-motorist coverage is highly recommended even when not required

Upcoming change: MAJOR CHANGE: Effective July 1, 2026, Florida abandons no-fault PIP and adopts standard liability. New minimums: 25/50 bodily injury + $5,000 MedPay. Drivers may save ~$349/yr on average under the new system.

Florida car insurance at a glance

Feature	Detail	Monthly	Annual
Minimum coverage required	$10K PIP + $10K PDL (no-fault, through June 30, 2026) — bodily-injury liability NOT currently required by state law	—	—
Avg minimum coverage cost	$127/mo	$1,529/yr	—
Avg full coverage cost	$250/mo	$3,000/yr	—
Cheapest carrier (minimum)	GEICOBest	$51/mo	$611/yr
Cheapest carrier (full coverage)	GEICOBest	$200/mo	$2,400/yr

Which carrier should Florida drivers pick?

Match your situation to the right carrier. Florida-specific pricing varies by carrier, but the patterns below hold for most drivers.

You want the absolute cheapest minimum coverageGEICOCheapest in Florida at $51/mo.
You want full coverage at the lowest priceGEICO$200/mo full coverage in Florida. Florida averages are highest in country — even cheapest carriers run high.
You qualify for USAA (military / veteran / family)USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
You bundle auto + homeState Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
You drive defensively + would let an app monitorProgressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
You have a high-risk record (DUI, accidents, tickets)ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.

Verified by the WalletGrower Editorial Team — current as of July 2026. We update rates, bonuses, fees, and product details regularly against each provider's published disclosures. Vendors can change offers between our update cycles, so we always recommend confirming the current published rate or bonus on the provider's site before signing up or applying.

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Methodology & sources

All Florida data on this page was WebSearch-verified May 2026 against the Florida insurance commissioner / DMV and at least one of the following 2026 carrier analyses:

Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.