Florida Car Insurance: PIP Rules, Minimums & Average Cost (2026)

Florida works differently from most states: to register a vehicle, you need $10,000 in Personal Injury Protection (PIP) and $10,000 in property damage liability (PDL) — but basic registration generally does not require bodily injury liability, though it can be required later after certain crashes or suspensions. For how Florida compares to other states, see our car insurance rates by state guide.

Florida's 2026 minimum coverage requirements

A 2026 legislative proposal (SB 522) to repeal Florida's PIP requirement died in committee, so these minimums remain in effect as of this guide's last verification date.

What PIP actually covers

PIP is Florida's no-fault coverage: it pays 80% of your eligible medical expenses and 60% of your lost wages, up to the $10,000 limit, for you and your passengers after an accident — regardless of who caused it. It does not cover the other driver's damage; that's what your property damage liability is for. For the mechanics of no-fault coverage more broadly, see no-fault car insurance states explained.

What minimum coverage actually costs in 2026

The average cost of Florida car insurance runs around $139 a month for state-minimum coverage, though a clean-record driver in a non-urban county can find coverage closer to $82-$110 a month. Florida's average sits above many other states' averages largely because PIP is a mandatory add-on that most at-fault states don't require.

Why Florida rates run high

• Mandatory PIP. Every registered driver pays for no-fault medical coverage regardless of driving record, which raises the average floor.
• Hurricane and flood exposure. Comprehensive coverage claims spike after major storm seasons, and insurers price that risk into every policy statewide, not just coastal ZIP codes.
• High rate of uninsured drivers. Florida has one of the higher uninsured-motorist rates in the country, which increases the value — and cost — of carrying uninsured motorist coverage.

Frequently asked questions

Does Florida require bodily injury liability coverage?+

Not for basic vehicle registration — Florida requires $10,000 PIP and $10,000 property damage liability instead. Bodily injury liability can be required later as proof of financial responsibility after certain at-fault crashes or license suspensions.

What does Florida PIP cover?+

PIP pays 80% of your eligible medical expenses and 60% of lost wages, up to $10,000, for you and your passengers after an accident, regardless of who was at fault.

Is Florida a no-fault state?+

Yes. Florida requires Personal Injury Protection, which pays your own medical costs after an accident regardless of fault, and limits lawsuits to more serious injuries.

Was Florida's PIP requirement repealed in 2026?+

No. A 2026 bill (SB 522) proposing to repeal the PIP requirement died in committee, so the $10,000 PIP minimum remains in effect as of this guide's last verification date.