Guides
Plain-English answers to Florida car insurance questions, checked against the statutes, with sources.
What is the minimum car insurance in Florida in 2026?
Florida requires every registered car to carry $10,000 of Personal Injury Protection (PIP) and $10,000 of Property Damage Liability (PDL). That's it: Florida does not require bodily injury liability to register a car, which is why so many drivers here carry only the minimum.
Coverage explainedFlorida PIP explained: the 14-day rule, the $2,500 cap and what it really pays
Florida PIP pays 80% of your medical bills and 60% of lost income, up to $10,000, no matter who caused the crash. But you must get medical care within 14 days of the accident, and the full $10,000 is only available if a doctor diagnoses an emergency medical condition. Without that diagnosis, PIP medical is capped at $2,500.
Coverage explainedUninsured motorist coverage in Florida: do you need it?
Yes, for most Florida drivers. Because Florida doesn't require bodily injury liability, many drivers on the road have no insurance money to pay for your injuries. Uninsured motorist (UM) coverage pays you when they can't, including in hit-and-runs.
Life eventsMoving to Florida: how to switch your car insurance and register your car
Once you become a Florida resident (start a job, enroll a child in school, or move in), you have 10 days to register your car, and you need a Florida insurance policy before the tax collector will register it. Get the Florida policy first, register second, cancel the old policy last.
Save moneyHow to lower your car insurance in Florida in 2026
Florida auto rates are finally dropping: the state's top five auto insurance groups filed average decreases of about 8% for 2026, after about 7.4% for 2025. But your renewal won't always show it. The fastest way to capture it is to compare carriers at renewal, then adjust deductibles and discounts. Cutting coverage is the last lever, not the first.
Life eventsInsurance for a leased or financed car in Florida
If you lease or finance, Florida's minimum isn't enough: your lender requires collision and comprehensive, usually with deductibles of $1,000 or less, and many leases also require higher liability limits such as 100/300/50. The dealer won't release the car until your insurance is in place, so get the quote before you go to sign.
High-risk driversSR-22 vs FR-44 in Florida: what they are and how long you need one
Both are forms your insurance company files with the state to prove you carry liability coverage. An SR-22 proves at least 10/20/10 and usually follows a serious violation or an uninsured crash. An FR-44 proves at least 100/300/50 and follows a DUI conviction. Neither is a type of insurance by itself; it's a filing attached to your policy.
Save moneyWhat you need for a car insurance quote (and what you can skip)
For a real quote you need each driver's name and date of birth, your address, the cars (VIN or year, make and model), and your current coverage. Scan the barcode on your license (it fills your name, birth date and address) or link your current insurance, and you're done in about two minutes. You can start with less; the quote just gets more exact as you add details.