Florida Auto Insurance Guide for First-Time Buyers
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
Free to compare
Florida at a Glance
$10,000
Minimum property damage liability
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
15
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Florida operates under a no-fault insurance system, meaning your own insurance pays for your medical expenses after an accident regardless of who was at fault. The state requires all drivers to carry Personal Injury Protection (PIP) and Property Damage Liability (PD) as minimum coverage. Notably, Florida does not require bodily injury liability coverage unless you've been convicted of certain violations, making it one of only two states without a universal bodily injury mandate. The Florida Department of Highway Safety and Motor Vehicles enforces these requirements through electronic verification.
Personal Injury Protection (PIP)
Property Damage Liability (PD)
Bodily Injury Liability (BI)
Cost Overview
$398/mo
Typical monthly rate in Florida, new drivers
Rate data: Insurify, 2026
Start Your First Policy on the Right Foot
Get Your First Auto QuoteRules for new drivers
Night driving
age 16: 11pm-6am; age 17: 1am-5am
Passengers
none
Source: IIHS and state DMV records, verified July 2026
Frequently Asked Questions
Can I get car insurance without bodily injury coverage in Florida?
Yes — Florida allows you to carry only PIP and PD without bodily injury liability unless you've been convicted of specific violations like DUI, caused an at-fault accident without insurance, or accumulated excessive license points. However, skipping bodily injury liability is financially risky because if you seriously injure someone in an at-fault accident, you can be sued personally for their medical bills, lost income, and pain and suffering, which can reach hundreds of thousands of dollars. Most insurance advisors recommend at least 50/100 bodily injury limits even though the state doesn't require it.
Coverage Types
Liability Insurance
Liability insurance is the foundation of any policy — it pays for injuries and property damage you cause to others. In Florida, this splits into PIP (your own medical bills), PD (others' property damage), and optional BI (others' injuries), with PIP and PD being mandatory.
Full Coverage
Full coverage is an industry term meaning you carry liability plus comprehensive and collision, so your insurer pays to repair or replace your own vehicle after accidents, theft, weather events, or vandalism. This is required by lenders if you finance or lease your vehicle.
Comprehensive Coverage
Comprehensive covers damage to your vehicle from events other than collisions — theft, vandalism, fire, falling objects, flooding, hail, and animal strikes. You choose a deductible (typically $500 or $1,000), which is what you pay out of pocket before insurance covers the rest.
Collision Coverage
Collision pays to repair or replace your vehicle when it's damaged in an accident with another vehicle or object, regardless of who was at fault. If you total your car and only have minimum PIP/PD, you get nothing — collision ensures you can afford to replace your vehicle.
Uninsured Motorist Coverage
Uninsured/underinsured motorist coverage (UM/UIM) pays for your injuries and vehicle damage when you're hit by a driver with no insurance or insufficient coverage to pay for the harm they caused. This functions as liability insurance that protects you from others' lack of coverage.