Florida
- ~$85–$110
- ~$210–$250
- $10K PIP / $10K PDL
Florida drivers face some of the highest insurance costs in the country, thanks to a combination of traffic volume, natural disasters, fraud, and uninsured drivers. The state's no-fault insurance system, combined with minimal liability requirements and dense metro traffic, makes full coverage with PIP and uninsured motorist protection a strong recommendation.
Find a local Auto Insurance agents in your town:
Florida Auto Insurance Facts *
Drivers
- ~15.3–15.8 million licensed drivers as of 2023.
- High population density in Miami, Tampa, Orlando, and Jacksonville.
- ~91% of households own at least one vehicle.
- High vehicle dependency due to limited transit coverage outside metros.
- Large elderly driving population, especially in retirement-heavy counties.
- ~20.4% uninsured driver rate.
- Rapid growth of rideshare use and SUV ownership.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~402,000 | ~166,000 | 3,135 |
| 2019 | ~401,000 | ~165,000 | 3,183 |
| 2020 | ~341,000 | ~140,000 | 3,332 |
| 2021 | ~394,000 | ~160,000 | 3,738 |
| 2022 | ~394,300 | ~160,300 | 3,571 |
Laws & Regulations
- No-Fault state.
- Bodily Injury Liability not required, but recommended.
