What car insurance is required in Florida?

Florida is a no-fault state, which means that drivers get coverage for car accident injuries from their own insurer without the need to determine who caused the accident. Policies in no-fault states must include personal injury protection (PIP).

Drivers in Florida are required to carry at least $10,000 in bodily injury liability insurance per person, up to $20,000 per accident, and $10,000 in property damage liability insurance. When an insured driver is responsible for an accident, liability insurance covers...

Car insurance in Florida is expensive because it is a no-fault state with the highest percentage of uninsured drivers in the country. In Florida, you can expect to pay around $6,685 per year for full coverage car insurance, compared to the national average of $4,211 per year. Car insurance in Florida is more expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.

The cost of car insurance is steadily increasing, too,...

The penalty for driving without insurance in Florida is the suspension of your license, registration and vehicle tags for up to 3 years or until you purchase a new policy, whichever comes first. During this suspension, you won’t be able to get a temporary or restricted license, even to commute to work. After the first offense, you’ll pay a $150 reinstatement fee to get your license and registration back. A second lapse in your policy...