Florida requires drivers to carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in property damage liability coverage. Florida is a no-fault state and does not require bodily injury liability coverage for most drivers.
| Coverage Type | Minimum Required |
|---|---|
| Property Damage Liability | $10,000 |
| PIP | $10,000 |
| Bodily Injury Liability | Not required for most drivers |
Looking for Auto Insurance Quotes in Florida? Auto Quote Hotline helps Florida drivers compare coverage options by phone or online and connect with agents who fit their needs, budget, and location. Call today to speak with an agent.
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Auto Insurance Quotes in Florida: Coverage Requirements
Florida requires drivers to carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in property damage liability coverage. Unlike most states, Florida is a no-fault state, meaning your own PIP coverage pays for your injuries regardless of who caused the accident, up to your policy limits.
Florida does not require bodily injury liability coverage for most drivers, though it’s strongly recommended for additional protection. Drivers who don’t maintain proper coverage may face fines, license suspension, or be required to file an SR22 form to reinstate their driving privileges.
Florida’s mix of dense urban traffic in Miami, growing metro areas like Tampa and Orlando, and tourist-heavy roadways throughout the state means different risk factors depending on where you live, which is why comparing quotes from multiple providers is especially useful for finding the right balance of coverage and cost.
We Help All Florida Drivers — Insured, Uninsured, or SR22
Whether you currently have coverage, have a lapse in insurance, or need an SR22 filing, we can help connect you with the right agent in Florida. This can make a real difference when comparing coverage across different regions of the state.
- Insured drivers looking to compare rates and find better coverage
- Uninsured drivers starting fresh and needing a policy fast
- SR22 drivers who need a filing to reinstate or maintain their license
No matter your driving history, call now and speak with an agent who can walk you through your options in minutes. Our network connects you with agents familiar with Florida’s specific coverage requirements, so you can get accurate quotes without the runaround.
Top Cities in Florida
Looking for auto insurance quotes closer to home? Explore quote options in Florida’s largest cities:
- Jacksonville
- Miami
- Tampa
- Orlando
Whether you’re near Miami, commuting through Tampa, or driving in Jacksonville, local coverage options and rates can vary — so it pays to compare. Our team is ready to help you find the right fit quickly.
Frequently Asked Questions
Have questions about auto insurance quotes in Florida? Here’s what drivers ask us most.
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