Car insurance in Florida
Drivers in Florida paid $1,994 a year for full coverage in 2023, 39% above the national average. With prices up since, figure on about $2,360 today. In Florida, the law asks for $10,000 of personal injury protection and $10,000 of property damage liability.
What people pay in Florida
A typical yearly price today
about $2,360 a year (about $195 a month)
Florida's average full-coverage cost in 2023 was $1,994, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $2,360.
That makes Florida the most expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Florida next to its neighbors
A typical policy costs more in Florida than in both of its neighbors.
| State | Typical price, 2023 | Moving to Florida from there |
|---|---|---|
| Florida | $1,994 | Not a move |
| Alabama | $1,269 | About $990 more a year |
| Georgia | $1,746 | About $340 more a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Florida's law asks for
- Liability (per person / per crash / property)
- none / none / $10,000
- Personal injury protection (PIP)
- Required
- Medical payments
- Not required
- No-fault
- Yes
- Uninsured motorist
- Not required
- Underinsured motorist
- Not required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Florida is a no-fault state: after a crash, your own policy pays for your own injuries first (through personal injury protection), whoever caused it.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $1,295 in Florida in 2023 (about $1,530 today, brought up the same rough way), the highest of the 50 states and DC. That's about 65% of the full-coverage price; the rest pays to fix or replace your own car.
Florida doesn't make most drivers carry bodily-injury liability. You need $10,000 of personal injury protection (PIP), which pays your own medical bills no matter who caused the crash, plus $10,000 of property damage liability. If you add bodily-injury coverage, uninsured-motorist coverage comes with it unless you turn it down in writing.
Good to know: Florida doesn't make most drivers carry injury liability, so those cells are blank. It becomes required ($10,000/$20,000) after certain crashes or violations, and a DUI conviction requires more. Uninsured motorist coverage comes only with policies that include injury liability, so a minimum Florida policy (PIP plus property damage) doesn't have it.
What we couldn’t confirm: We didn't re-read the higher amounts required after a DUI.
- Personal injury protection
- $10,000 for medical and disability benefits (it pays 80% of reasonable medical bills), plus a $5,000 death benefit.
- Uninsured and underinsured motorist
- Only applies if your policy includes injury liability. Then uninsured motorist coverage matches your injury limits unless you pick lower limits or turn it down in writing. In Florida it also covers drivers who have too little insurance.
- Checked
- September 22, 2026
- Sources
- Fla. Stat. s. 324.022 (property damage requirement)
- Fla. Stat. s. 627.736 (required PIP benefits)
- Fla. Stat. s. 627.737 (tort exemption / threshold)
- Fla. Stat. s. 627.727 (UM/UIM)
- FLHSMV - Insurance Requirements
- Fla. Stat. s. 324.021(7) (BI proof only after crash / FR events)
- Florida Senate - SB 522 (2026) status
A new teen driver in Florida
Adding a 16-year-old to a typical policy
about $1,560 more a year
About $130 a month, on one average car with full coverage. The whole policy with the teen: roughly $2,900–$5,200 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $6,780 a year in Florida (roughly $5,150–$9,650).
What adding a teen costs comes from California's published prices, so the range is wide, and Florida may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In Florida, the 2022 Subaru Forester is the cheapest of the 33 cars on the site's popular lists to add a teen with: about $1,390 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $2,350 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$1,390 a year | $6,050 a year |
| 2022 Subaru Outback | +$1,400 a year | $6,070 a year |
| 2022 Subaru Crosstrek | +$1,400 a year | $6,090 a year |
| 2022 Honda CR-V | +$1,500 a year | $6,510 a year |
| 2022 Toyota RAV4 | +$1,520 a year | $6,620 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Florida (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Florida's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.