Florida car insurance: minimums, SR-22 rules and costs

Last updated: November 12, 2026

Florida drivers must carry at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability. In 2023, insured drivers in Florida spent an average of $1,863.82 on car insurance, 45% above the national average of $1,281.60, according to the National Association of Insurance Commissioners (NAIC). That makes Florida the most expensive of the 50 states and D.C. by that measure.

Minimum car insurance required in Florida

Coverage	Minimum
Personal injury protection (PIP)	$10,000
Property damage liability	$10,000
Bodily injury liability	Not required to register (see below)

Florida doesn't require bodily injury liability to register a car. Instead, every registered vehicle must carry at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL). PIP pays 80% of necessary medical expenses up to $10,000, no matter who caused the crash.

Is Florida a no-fault state?

Yes. Florida is one of 12 states with a no-fault auto insurance law, according to the Insurance Information Institute. Your own personal injury protection pays your medical bills after a crash, whoever caused it. You can only sue the other driver for pain and suffering once your injuries pass a verbal (descriptive) threshold.

SR-22 rules in Florida

Florida uses the FR-44 after a DUI conviction. It requires much higher liability limits than a normal policy: $100,000 per person and $300,000 per crash for bodily injury, plus $50,000 for property damage (or a $350,000 combined single limit). Florida's Department of Highway Safety and Motor Vehicles requires the FR-44 to reinstate and says it must be kept for three years. Other suspensions may call for an SR-22 instead, so ask the department which form applies to you.

What drives car insurance costs in Florida

Average spending in Florida rose 25% from 2019 to 2023, compared with 19% nationwide. Here's average annual spending per insured vehicle, from the NAIC:

Year	Florida average	U.S. average
2019	$1,488.73	$1,075.08
2020	$1,389.08	$1,047.76
2021	$1,423.68	$1,060.23
2022	$1,567.88	$1,124.45
2023	$1,863.82	$1,281.60

The NAIC's "average expenditure" is total written premium divided by insured vehicles. It isn't a quote, and your own price depends on your driver profile and the coverage you choose.

Uninsured drivers. An estimated 20.6% of drivers in Florida were uninsured in 2023, higher than the national estimate of 15.4%. That's the 7th highest rate among the 50 states and D.C. When more drivers are uninsured, insured drivers' own uninsured motorist coverage pays more claims, which pushes up its price. (The Insurance Research Council notes that Florida's compulsory insurance law covers PIP and property damage but not bodily injury liability.)
Crash deaths. Florida recorded 3,138 motor vehicle crash deaths in 2024, or 1.26 per 100 million miles driven, higher than the U.S. rate of 1.19 (the 20th highest of the 50 states and D.C.). Severe crashes drive up bodily injury claim costs.
Where and how crashes happen. In 2024, 21% of Florida's crash deaths happened in rural areas (U.S.: 41%), 11% involved speeding (U.S.: 29%), and 21% of those killed were pedestrians (U.S.: 18%).
No-fault rules. Mandatory PIP means every policy pays for its own driver's medical costs, which shapes what you pay for that part of the policy.

Ways to save on car insurance in Florida

Compare at least three quotes. Insurers weigh the same facts differently, so prices for the same driver in Florida can vary widely. More ways to lower your bill.
Don't drop uninsured motorist coverage to save money. With roughly 1 in 5 drivers in Florida uninsured, it's what pays your injury bills if one of them hits you. How UM coverage works.
Shop at every renewal. Prices in Florida rose faster than the national average from 2019 to 2023, so a renewal increase is a good reason to compare.
Review your PIP options. In a no-fault state, PIP is a big part of the bill. Ask how different PIP limits, deductibles or coordination with your health insurance change the price.
Pick a deductible you can actually pay. Raising it lowers your premium, but only if you could cover it after a claim. How deductibles work.
Ask about discounts. Common ones include safe driver, multi-car, bundling, paying in full, good student and usage-based programs. They're not always applied automatically.

See other states in our car insurance guides by state.

Sources

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DriveCheaper may be paid by companies shown on this site. How we make money. This page is general information, not insurance or legal advice. Laws and prices change, so confirm details with your insurer or your state's insurance department or DMV.