Auto Insurance · Florida
Car Insurance in Florida: 2026 Rates & Requirements
Khari Lewis
Updated July 9, 2026
Full coverage
$3,730/yr
Full coverage
$311/mo
State minimum
$1,220/yr
Min. liability
0/0/10
Drivers in Florida pay an average of $3,730 per year ($311/month) for full-coverage car insurance in 2026 — about 56% above the national average of $2,392. That makes Florida the #50 cheapest of the 51 U.S. jurisdictions we track. A state-minimum policy averages $1,220 per year, versus a $895 national average.
Averages hide a wide spread: your own quote depends on your ZIP code, driving record, age, and vehicle — and the gap between the cheapest and most expensive carrier for the same Florida driver is routinely over $1,000 a year. The only way to know where you land is to check your own rate.
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Minimum car insurance requirements in Florida
Florida requires drivers to carry at least 0/0/10 liability coverage, plus PIP. Here's what those numbers mean:
| Coverage | Required minimum | What it pays for |
|---|---|---|
| Bodily injury (per person) | Not required | Injuries you cause to one person in an accident |
| Bodily injury (per accident) | Not required | Total injuries you cause in one accident |
| Property damage | $10,000 | Damage you cause to vehicles and property |
| Also required | PIP | Additional coverage Florida mandates on every policy |
Note: No-fault state — most drivers must carry $10k PIP and $10k property damage; bodily-injury liability isn't mandated for most drivers.
Keep in mind that state minimums are the legal floor, not a recommendation — a serious accident can exceed minimal in injuries quickly, leaving you personally liable for the rest. Most Florida drivers are better served comparing the cost of higher limits, which is often smaller than expected.
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How Florida drivers pay less
- Compare at every renewal. Carrier pricing in Florida shifts constantly; the insurer that was cheapest for you two years ago frequently isn't today.
- Bundle home or renters insurance — multi-policy discounts commonly run 10–25%.
- Raise your deductible if you have savings to cover it; going from $500 to $1,000 typically cuts the collision/comprehensive portion 10–20%.
- Ask about usage-based programs if you drive less than ~10,000 miles a year — low-mileage pricing is one of the fastest-growing discounts in 2026.
- Special situations have their own playbook: see our guides for teen drivers, coverage after a DUI, and getting insured after a lapse.
Guides for specific situations
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Car insurance costs in other states
Rate data: 2026 state averages compiled from published figures at NerdWallet, Insurify, and ValuePenguin (July 2026); requirements from state statutes as of July 2026. Averages are for comparison only — your rate will differ based on your profile.