Short answer: car insurance in Florida depends on your ZIP code, coverage level and driver/home profile. Florida requires $10k property damage plus PIP (no bodily-injury liability mandated). Compare free quotes from licensed partners in ~2 minutes. The average annual car insurance premium in Florida is about $1,864 (NAIC, 2023); your exact rate depends on coverage and profile.
Updated August 2026
Florida car insurance basicsFlorida is a
no-fault state for auto insurance. Florida does not mandate bodily-injury liability; the minimum is
$10k property damage plus PIP (no-fault).
(No BI liability required; needs $10k PIP + $10k PDL (no-fault)) Statewide average premium:
~$1,864/yr (NAIC, 2023).
Verify with the state insurance department →
Cities in Florida
Florida car insurance FAQ
How much is car insurance in Florida?
The average annual car insurance premium in Florida is about $1,864 (NAIC, 2023); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap car insurance in Florida?
Compare multiple carriers, bundle policies, and check local Florida discounts. Get free quotes in a couple of minutes.
Also compare home insurance in Florida →