How Much Auto Insurance Do I Need in Florida?

Florida sets some of the lowest minimum auto insurance requirements in the country, yet Floridians pay some of the highest premiums. The gap between the legal floor and the coverage you actually need is where the expensive mistakes happen, so here is the full 2026 picture.

What Florida law requires in 2026

To register a vehicle, Florida law requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Florida remains a no-fault state in 2026, meaning your own PIP pays 80% of your medical bills up to the limit, no matter who caused the crash.

Bodily injury (BI) liability is still not required for most drivers. Exceptions exist: a DUI conviction triggers an FR-44 filing with 100/300/50 limits, and certain other violations require an SR-22 filing with 10/20/10 limits, both typically for three years.

Why the state minimum is rarely enough

Roughly one in five Florida drivers carries no insurance at all, among the highest uninsured rates in the nation. Without uninsured motorist (UM) coverage, a crash with one of them leaves your medical bills and lost wages largely on you.

PIP runs out fast, too. A single ambulance ride and emergency room visit can consume most of the $10,000 limit before imaging, specialists, or physical therapy even begin.

There is also the lawsuit side. If you seriously injure someone while carrying no BI coverage, your wages, savings, and future earnings are exposed to a judgment that Florida courts can enforce for 20 years.

Coverage levels we recommend for 2026

• Bodily injury liability: 100/300 limits ($100,000 per person, $300,000 per accident) are the baseline for anyone with assets or income.
• Uninsured/underinsured motorist: match your BI limits; this is the single highest-value coverage in Florida.
• Collision and comprehensive: required by lenders on financed or leased vehicles; comprehensive covers Florida flood, animal, and windstorm claims.
• Medical payments (MedPay): $5,000 picks up the 20% of medical bills PIP does not pay.

2026 changes Florida drivers should watch

Insurers issued more than $1 billion in refunds and rate reductions to Florida drivers across 2025 and 2026 as litigation reforms worked through the market. Average filed rates dropped for the first time in a decade, which makes 2026 the best shopping year Florida drivers have had in a long time.

If you have not re-quoted your policy since rates began falling, you are likely leaving savings on the table. Loyalty rarely beats a fresh market comparison in a falling-rate environment.

What the right coverage costs

Full coverage in Florida averages roughly $3,200 per year in 2026, while state-minimum policies average near $1,100. The difference between bare-minimum and genuinely protective coverage is often $60 to $90 per month, and comparing quotes across carriers regularly cuts that gap further.

An independent agent can run your profile against 30+ carriers in one sitting instead of one quote at a time. Start with our Florida auto insurance overview, or find a local GreatFlorida agent for a same-day comparison.

Frequently Asked Questions

What is the minimum car insurance required in Florida?

Florida requires $10,000 of Personal Injury Protection and $10,000 of Property Damage Liability to register a vehicle. Bodily injury liability is only mandated after a DUI (FR-44) or certain violations (SR-22).

Is Florida still a no-fault state in 2026?

Yes. Repeal bills have been filed repeatedly in Tallahassee, but none has become law, so PIP remains the foundation of every Florida auto policy in 2026.

How much bodily injury coverage should I carry in Florida?

Most agents recommend at least 100/300 limits. Florida’s high share of uninsured drivers and rising medical costs make state minimums risky for anyone with assets to protect.