How much is car insurance in Florida?
Full-coverage car insurance in Florida averaged $1,994 a year in 2023 (NAIC)—39% above the $1,439 US average and highest in the US—which works out to about $2,360 a year in Florida today (about $195 a month, brought to August 2026 with the federal price index). In Florida, the law asks for $10,000 of personal injury protection and $10,000 of property damage liability, and Florida's 2023 liability-only average—the closest NAIC figure to a minimum policy—was $1,295 (about $1,530 today).
Florida has the highest full-coverage average in the US: $1,994 in 2023
Typical Florida full-coverage price today
about $2,360 a year in Florida (about $195 a month)
Florida's 2023 NAIC full-coverage average ($1,994) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Florida rate depends on your car, driving history, and coverage limits.
That $1,994 2023 full-coverage figure makes Florida the most expensive of the 50 states and DC (against $1,439 nationally), with 65% going to liability ($1,295, highest in the US) and 35% covering physical damage to your own vehicle. Across all insured vehicles in Florida (including policies without collision or comprehensive), NAIC's 2023 average expenditure was $1,865 (highest in the US, about $2,210 today)—only 6% ($129) below Florida's $1,994 full-coverage benchmark.
Florida costs more to insure than Alabama and Georgia
A typical full-coverage policy in Florida ($1,994 in 2023) costs more than in both bordering states (Alabama and Georgia). Among Florida's neighbors, Alabama had the lowest 2023 average ($1,269, moving to Florida is about $970 more a year) and Georgia had the highest ($1,746, moving to Florida is about $330 more a year).
| State | 2023 average | Moving to Florida from there |
|---|---|---|
| Florida | $1,994 | Current state (Florida) |
| Alabama | $1,269 | About $970 more a year |
| Georgia | $1,746 | About $330 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Louisiana ($1,983 in 2023, about $2,350 today), New York ($1,896 in 2023, about $2,250 today), District of Columbia ($1,818 in 2023, about $2,150 today), and Texas ($1,727 in 2023, about $2,050 today).
Florida: $10,000 PIP and $10,000 property damage minimum (no-fault)
- Florida liability (per person / per crash / property)
- none / none / $10,000
- Personal injury protection (PIP) in Florida
- Required
- Medical payments in Florida
- Not required
- No-fault system in Florida
- Yes
- Uninsured motorist in Florida
- Not required
- Underinsured motorist in Florida
- Not required
Under Fla. Stat. s. 324.022 (property damage requirement), Florida requires $10,000 of personal injury protection and $10,000 of property damage liability and does not set a general bodily-injury liability minimum for most drivers, nor does a Florida minimum policy pay to repair your own vehicle.
Florida is a no-fault state: after a crash, your own Florida policy pays for your medical bills first through personal injury protection (PIP), regardless of who caused the crash.
Liability-only coverage in Florida—the closest NAIC figure to what a Florida minimum policy costs—averaged $1,295 in 2023 (about $1,530 in Florida today), the highest of the 50 states and DC. That makes liability 65% of Florida's full-coverage average ($1,994), while the remaining 35% goes toward collision and comprehensive coverage for 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.
- History and recent checks
- Property damage $10,000 (s. 324.022) and PIP $10,000 (s. 627.736) are current. Repeal bills in the 2026 session (SB 522 / HB 769) would have ended no-fault and required 25/50 bodily injury. SB 522 'Died in Banking and Insurance'. No change enacted.
- Checked
- September 22, 2026
- Sources
- Fla. Stat. s. 324.022 (property damage requirement)
Every owner or operator of a motor vehicle required to be registered in this state shall establish and maintain the ability to respond in damages ... in the amount of $10,000 because of damage to ... property
- Fla. Stat. s. 627.736 (required PIP benefits)
must provide personal injury protection ... to a limit of $10,000 in medical and disability benefits and $5,000 in death benefits
- Fla. Stat. s. 627.737 (tort exemption / threshold)
is hereby exempted from tort liability for damages ... (a) Significant and permanent loss of an important bodily function.
- Fla. Stat. s. 627.727 (UM/UIM)
No motor vehicle liability insurance policy which provides bodily injury liability coverage shall be delivered ... unless uninsured motor vehicle coverage is provided ... not applicable when ... an insured named in the policy makes a written rejection
- FLHSMV - Insurance Requirements
have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL. ... PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000
- Fla. Stat. s. 324.021(7) (BI proof only after crash / FR events)
In the amount of $10,000 because of bodily injury to, or death of, one person in any one crash;
- Florida Senate - SB 522 (2026) status
Last Action: Died in Banking and Insurance
- Fla. Stat. s. 324.022 (property damage requirement)
Adding a 16-year-old driver in Florida: about $1,560 more a year
Adding a 16-year-old to a Florida policy
about $1,560 more a year
About $130 a month (+66% over a typical Florida adult policy of $2,360), bringing the combined Florida family policy to roughly $2,900–$5,200 a year.
On a separate Florida policy of their own with the same car, a 16-year-old in Florida would pay about $6,780 a year (roughly $5,150–$9,650), so sharing a parent's Florida policy saves about $5,220 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Florida's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Florida
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 on a Florida policy, compared with about $2,350 more a year for the 2022 Tesla Model 3 in Florida.
| 2022 model | Added to a Florida policy | Own Florida policy |
|---|---|---|
| 2022 Subaru Forester | +$1,390 in Florida | $6,050 in Florida |
| 2022 Subaru Outback | +$1,400 in Florida | $6,070 in Florida |
| 2022 Subaru Crosstrek | +$1,400 in Florida | $6,090 in Florida |
| 2022 Honda CR-V | +$1,500 in Florida | $6,510 in Florida |
| 2022 Toyota RAV4 | +$1,520 in Florida | $6,620 in Florida |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Florida
In Florida, a 45-year-old with full coverage pays from about $2,210 a year for a 2024 GMC Acadia to about $2,900 for a 2024 Chevrolet Suburban on these Florida sample models.
| Car | 45-year-old in Florida | Adding a teen in Florida |
|---|---|---|
| 2024 Chevrolet Tahoe | about $2,540 a year | +$1,670 a year |
| 2024 Chevrolet Suburban | about $2,900 a year | +$1,910 a year |
| 2024 Ford Explorer | about $2,480 a year | +$1,640 a year |
| 2024 Ford Bronco | about $2,540 a year | +$1,680 a year |
| 2024 Ford Bronco Sport | about $2,530 a year | +$1,670 a year |
| 2024 Ford Expedition | about $2,400 a year | +$1,590 a year |
| 2024 GMC Terrain | about $2,500 a year | +$1,650 a year |
| 2024 GMC Acadia | about $2,210 a year | +$1,460 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Florida
- How much is car insurance in Florida?
- In Florida, full-coverage car insurance averaged $1,994 a year in 2023 (the most expensive of the 50 states and DC per NAIC), or about $2,360 a year ($195 a month) in Florida as of August 2026. Florida liability-only coverage averaged $1,295 in 2023 (65% of Florida's full-coverage figure, or about $1,530 today), and Florida drivers spent $1,865 per insured car across all policies.
- What are the minimum car insurance limits in Florida?
- Under Fla. Stat. s. 324.022 (property damage requirement), Florida requires $10,000 of personal injury protection and $10,000 of property damage liability. Property damage $10,000 (s. 324.022) and PIP $10,000 (s. 627.736) are current. Repeal bills in the 2026 session (SB 522 / HB 769) would have ended no-fault and required 25/50 bodily injury. SB 522 'Died in Banking and Insurance'. No change enacted.
- How much does adding a 16-year-old teen driver cost in Florida?
- Adding a 16-year-old to a parent's full-coverage policy in Florida adds about $1,560 more a year ($130 a month), bringing the Florida household policy to roughly $2,900–$5,200 a year versus about $6,780 a year (roughly $5,150–$9,650) on a standalone Florida teen policy.
- Is Florida a no-fault car insurance state?
- Yes—Florida uses no-fault auto insurance rules, so your own Florida personal injury protection (PIP) pays your medical bills first after a crash regardless of fault. $10,000 for medical and disability benefits (it pays 80% of reasonable medical bills), plus a $5,000 death benefit.
- How does Florida's car insurance cost compare with Alabama?
- Florida averaged $1,994 for full coverage in 2023 (NAIC) against $1,269 in Alabama (57% more than Alabama), and moving a sample policy from Alabama to Florida today is about $970 more a year. Other bordering states averaged $1,746 in Georgia in 2023.
Sources for Florida
- Florida average premiums ($1,994 full coverage, $1,295 liability-only, $1,865 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Florida minimum coverage statutes (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), checked September 22, 2026. Page updated for Florida. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.