Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Florida apart
No-fault + $10k PIP but NO bodily-injury liability required; highest rates in US.
Minimum vs. full coverage in Florida
What each coverage level costs on the Florida average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $960 | $80 |
| Liability Only | $1,560 | $130 |
| Full | $2,840 | $237 |
| Full Low Deductible | $3,460 | $288 |
Minimum coverage saves about $1,875/yr vs full — but caps protection at 10/20/10. One at-fault crash above those limits and the gap is yours.
Florida car insurance FAQ
- What's the minimum car insurance required in Florida?
- Florida's state minimum is 10/20/10 — $10k bodily injury per person, $20k per accident, $10k property damage. Minimum-only runs about $960/yr but leaves you exposed above those caps.
- How much is full coverage in Florida?
- Representative full coverage averages $2,835/yr (about $236/mo), ranking Florida #43 of 51 states for cost.
- Why is Florida car insurance priced the way it is?
- No-fault + $10k PIP but NO bodily-injury liability required; highest rates in US.