Who regulates auto insurance in Florida?

The Florida Office of Insurance Regulation (OIR) licenses carriers and agents. Visit floir.com to verify a carrier's license or file a complaint.

What minimum auto insurance is required in Florida?

Florida requires minimum PIP (personal injury protection) and PDL (property damage liability) coverage. Florida does not require bodily injury liability as a minimum. Verify current limits at floir.com — Florida's insurance laws have been subject to legislative changes.

Is Florida a no-fault state?

Yes — Florida is a no-fault state. PIP coverage pays your medical expenses and lost wages regardless of fault up to the policy limit. You can sue for pain and suffering only if injuries meet a threshold of severity.

Why is car insurance so expensive in Florida?

Florida has high PIP fraud rates, above-average litigation, hurricane and flood exposure, a large uninsured driver population (among the highest nationally), and high traffic density in Miami, Tampa, and Orlando.

Should I carry bodily injury liability in Florida even though it's not required?

Yes — despite not being required, bodily injury liability is strongly advisable in Florida's litigation-heavy environment. Without it, you are personally liable for bodily injury costs you cause above your PIP limits.

Car Insurance in Florida

Florida is one of the most expensive auto insurance markets in the US due to high PIP fraud rates, hurricane and flood risks, a large uninsured driver population, and dense metro traffic in Miami, Tampa, and Orlando.

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