Florida Auto Insurance Guide for First-Time Buyers
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
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Florida at a Glance
$10,000
Minimum property damage liability
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
15
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Florida
Florida operates under a no-fault insurance system, meaning your own Personal Injury Protection (PIP) coverage pays for your medical bills after an accident regardless of who caused it. The state requires all drivers to carry proof of insurance and file it electronically with the Florida Department of Highway Safety and Motor Vehicles. Unlike most states, Florida does not require bodily injury liability coverage unless you've been convicted of certain violations, making it one of the few states where you can legally drive without coverage for injuries you cause to others.
Personal Injury Protection (PIP)
Property Damage Liability (PDL)
Bodily Injury Liability (BIL)
Uninsured Motorist Coverage
What Drivers Pay in Florida
$398/mo
Typical monthly rate in Florida, new drivers
Rate data: Insurify, 2026
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Night driving
age 16: 11pm-6am; age 17: 1am-5am
Passengers
none
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Liability insurance is split into bodily injury liability (BIL) and property damage liability (PDL). BIL pays for injuries you cause to others; PDL pays for damage to their property. Even though Florida only requires PDL, adding BIL protects you from being personally sued for medical bills, lost wages, and pain and suffering if you cause a serious accident.
Full Coverage
Full coverage combines liability, comprehensive, and collision into one package. Comprehensive covers non-accident damage like theft, vandalism, flooding, and hurricanes. Collision covers damage to your car in an accident regardless of fault. Together they protect your vehicle's value and are required by lenders if you finance or lease.
Comprehensive Coverage
Comprehensive pays to repair or replace your vehicle after non-collision events: theft, vandalism, hail, falling objects, animal strikes, floods, and hurricanes. Your deductible is the amount you pay out-of-pocket before coverage kicks in—choosing a higher deductible lowers your monthly premium but increases what you'll pay if you file a claim.
Uninsured Motorist Coverage
Uninsured motorist (UM) coverage pays for your injuries and vehicle damage when you're hit by a driver with no insurance or who flees the scene. It also covers you if the at-fault driver's limits are too low to pay for your injuries, called underinsured motorist coverage.
Collision Coverage
Collision coverage repairs or replaces your vehicle after an accident with another car or object, regardless of who was at fault. You choose a deductible—typically $250, $500, or $1,000—and your insurer pays the rest up to your car's actual cash value.
Personal Injury Protection (PIP)
PIP is Florida's no-fault coverage—it pays your medical bills and lost wages after an accident regardless of who caused it, up to your policy limit. It covers 80% of medical expenses and 60% of lost wages, and extends to passengers in your car and family members in your household.