Florida requires at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Bodily injury liability is not required for most drivers, but it is strongly recommended because the minimums leave you personally exposed after a serious crash.
Florida minimum car insurance requirements
| Coverage | Minimum | What it does |
|---|---|---|
| Personal Injury Protection (PIP) | $10,000 | Pays your own medical costs after a crash, regardless of fault (no-fault rule). |
| Property Damage Liability (PDL) | $10,000 | Pays for damage you cause to other people's vehicles and property. |
| Bodily Injury Liability (BIL) | Not required* | Optional for most drivers. Required after certain crashes or a DUI conviction. |
What affects car insurance rates in Florida
- No-fault PIP claims: Florida's PIP system and high rates of claim litigation push premiums up statewide.
- Uninsured drivers: Florida has one of the highest uninsured-driver rates in the U.S., which is why uninsured motorist (UM) coverage is worth pricing.
- Weather and flooding: Hurricanes and flooding mean comprehensive claims are common, especially in coastal counties.
- Where you live: Rates in Miami-Dade, Broward and Orlando run much higher than in North Florida and the Panhandle.
- Your driving record: A clean record for 3 to 5 years is one of the fastest ways to a lower rate anywhere in the state.
How to get cheaper car insurance in Florida
Start by comparing. A GEICO quote through DriveLower takes about two minutes and shows you a real rate for your ZIP code, not an estimate. Then stack the savings: bundle auto with renters, home or condo coverage, choose deductibles you can actually afford, keep your coverage continuous, and ask us to check every discount you may qualify for, including good driver, multi-vehicle, military, federal employee and good student.
If you're carrying only the state minimum, consider raising your liability limits. The minimums above were set years ago and rarely cover a serious crash today. The difference in premium is often smaller than people expect, and we'll show you both options side by side. Read our guide on liability vs. full coverage and 12 ways to lower your car insurance.
Serving drivers across Florida
We quote and write GEICO policies for drivers throughout Florida, including:
- Jacksonville
- Orange Park
- Miami
- Tampa
- Orlando
- St. Petersburg
- Hialeah
- Tallahassee
- Fort Lauderdale
- Port St. Lucie
- Cape Coral
- Pembroke Pines
- Gainesville
- Pensacola
- Daytona Beach
- Ocala
- St. Augustine
- Fernandina Beach
Not listed? Every Florida ZIP code works. Enter yours above to get started.
Coverage available in Florida
- Auto insurance: liability, collision, comprehensive, UM/UIM, medical payments, roadside and rental.
- Motorcycle insurance and boat insurance.
- Homeowners, condo and renters insurance through the GEICO Insurance Agency.
Florida car insurance FAQ
Is bodily injury liability required in Florida?
Not for most drivers. Florida only requires PIP and PDL. But if you cause a crash that injures someone, you are responsible for their losses, so most agents recommend adding bodily injury coverage. The small monthly difference is usually well worth it.
What does no-fault mean for my Florida claim?
After a crash, your own PIP coverage pays your initial medical bills (up to $10,000) no matter who caused it. You can still pursue the at-fault driver for serious injuries that exceed PIP limits.
Why is car insurance so expensive in Florida?
A combination of high claim costs, heavy litigation, frequent severe weather, dense traffic in South Florida, and a high share of uninsured drivers. Shopping your rate and bundling policies are the two biggest levers you control.
Can I get a Florida quote online without calling?
Yes. Enter your ZIP code above and you'll go straight to a secure GEICO quote. If you'd rather talk it through, call (904) 622-1850 and a licensed agent will help.
Do I need uninsured motorist coverage in Florida?
It's optional but highly recommended. With so many uninsured drivers on Florida roads, UM coverage protects you if you're hit by someone who can't pay.