Florida Auto Insurance Guide
Having reliable car insurance in Florida is essential, whether you're navigating the bustling streets of Miami or enjoying scenic drives to destinations like Key West and St. Pete. The right Florida car insurance can help protect your finances if you’re in an accident, your vehicle is damaged or you need coverage that goes beyond the state minimums.
When comparing Florida auto insurance options, understand what the state requires, what Florida's no-fault system means and where optional coverages may provide stronger protection.
What auto insurance is required?
Because Florida’s minimum requirements are limited, many drivers choose higher limits and additional protection to help cover more serious losses.
Florida minimum liability coverage limits
| Coverage type | Minimum limit in Florida | What it helps cover |
|---|---|---|
| Bodily injury liability | Florida requires bodily injury liability coverage of $30,000 combined single limit, or $10,000 per person, $20,000 per accident under split limits. | Injuries you cause to others when you’re at fault |
| Personal injury protection (PIP) | $10,000 per person | Certain medical expenses, lost wages and related costs for you and eligible passengers, regardless of fault |
| Property damage liability | $10,000 per accident | Damage you cause to another person’s vehicle or other property |
Additional coverages to consider
Many Florida drivers choose optional coverages to help protect against expensive repairs, severe weather losses and out-of-pocket costs after a crash.
| Coverage | Required in Florida? | Why it matters |
|---|---|---|
| Collision coverage | No | May help pay to repair your car after an accident, regardless of fault |
| Comprehensive coverage (other than collision) | No | May help with non-collision damage such as theft, vandalism, falling objects, hail or certain storm-related losses |
| Uninsured/underinsured motorist bodily injury coverage | Yes (unless rejected in writing) | May help if you’re injured by a driver who has no insurance or not enough coverage |
| Rental reimbursement | No | May help pay for transportation while your vehicle is being repaired after a covered loss |
| Roadside assistance | No | May help with towing, lockouts, jump starts and flat tires |
| Auto glass coverage | No | May be useful in a state where road debris and storm conditions can increase windshield damage risk |
If you want a broader look at standard protection options, the main car insurance and car insurance coverages pages can help explain common choices.
What affects car insurance rates in Florida?
Florida car insurance rates can vary based on your personal risk profile and the broader conditions in your area.
- Driving history: Accidents, tickets and prior claims can increase premiums.
- Coverage choices: Higher limits and broader coverages generally cost more than state minimum protection.
- Vehicle type: Safety features, repair costs, theft rates and model value all matter.
- Location: Urban density, theft patterns and local claim frequency can affect rates.
- Weather and catastrophe risk: Florida storms, flooding and related claims can affect the cost of comprehensive coverage.
To explore broader rate drivers, see what an insurance score is and why car insurance rates may go up.
Save more with discounts
Amica offers various auto insurance discounts1 that may help lower premiums for eligible Florida drivers.
- Family-related discounts: Young driver training and good student discounts may be available for qualifying households.
- Driving-related discounts: Claim-free history and approved defensive driver training may help some drivers save.
- Vehicle equipment discounts: Certain safety systems like forward-collision warning or adaptive headlights may qualify.
- Payment-related discounts: AutoPay, paperless delivery and paying in full may also help eligible policyholders reduce costs.
To explore your options, find out about auto insurance discounts and bundling opportunities.
Driving facts to keep in mind
- Florida has fitting stations where parents and caregivers can go to learn how to use child safety seats, booster seats and seat belts correctly.2
- Many Floridians can access DMV services like registration renewal, parking permit requests and license plate replacement through the MyDMV Portal.2
- Floridians with a valid driver’s license or identification card can register up to two emergency contacts in Florida’s Emergency Contact Information (ECI) system. The system is securely managed and may be accessed solely by law enforcement authorities in case of an emergency.2
How to get auto insurance in Florida
If you’re ready to compare options, here’s a simple way to approach the process:
- Review your coverage needs: Start with Florida’s required liability limits, then think about whether you want higher limits or optional protections for your vehicle, medical costs or roadside issues.
- Look for savings opportunities: Eligible discounts, bundling and payment options may all affect your final premium.
Get an auto insurance quote today
FAQs about car insurance in Florida
Yes. Florida is a no-fault state, which means your own personal injury protection coverage generally helps pay certain medical expenses and related costs after an accident, regardless of who caused it.
Florida requires at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage. For bodily injury liability, Florida requires either $30,000 combined single limit per accident or $10,000 per person / $20,000 per accident. Many drivers choose higher limits and added coverages for stronger protection.
The average cost of car insurance in Florida varies based on your location, vehicle, driving history, coverage limits and claim trends in your area. Coastal exposure, urban density and weather-related risk can all affect premiums.
How much Florida car insurance you need depends on your assets, vehicle value, budget and risk tolerance. The state minimum may satisfy legal requirements, but higher liability limits and optional coverages may provide more meaningful protection.
1Discounts not available in all states and may vary.
2Florida Highway Safety and Motor Vehicles
Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.
This inclusion of non-Amica companies, products, services or statement herein (“Third-Party Content”) is for general informational purposes only and does not constitute a recommendation or endorsement by Amica Insurance. Policies, views, opinions or positions of Third-Party Content expressed herein are those of the authors and do not necessarily reflect the policies, views, opinions or positions of Amica Insurance. Amica Insurance makes no warranties, expressed or implied, as to the accuracy and reliability of Third-Party Content.
This content may contain helpful tips, explanation and advice. Your use of this information is voluntary and may not be effective in every circumstance. Amica encourages you to use good judgment and put safety first.
For more information on our editorial process and content standards, take a look at our editorial guidelines.
AMIC-01-071727