Affordable Florida car insurance that puts you first
Root rewards Florida drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Florida auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Florida auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Sunshine State
Driving in Florida might mean sitting on I-4 near Orlando, crossing Tampa Bay, or heading south toward Miami. From the Panhandle to the Keys, Florida drivers cover a lot more than one coastline.
Central and South Florida: I-4 connects Tampa, Orlando, and Daytona Beach, while I-95 and Florida’s Turnpike carry drivers through South Florida.
Beyond the biggest metros: Jacksonville, Tallahassee, Fort Myers, Naples, and Pensacola each bring their own roads, traffic, and destinations to the Florida driving experience.
Check before you go: FL511 provides real-time traffic, incident, and road information from the Florida Department of Transportation.
From Tampa to Tallahassee and beyond: Explore Florida car insurance from Root.
Florida's minimum auto insurance requirements
To legally operate a vehicle in Florida, you must carry Personal Injury Protection (no-fault insurance) and property damage coverage. If you are found driving without these coverages, you may face fines and suspension of your vehicle registration.
The minimum coverage amounts for car insurance required for drivers in Florida are [1]:
Personal injury protection
$10,000 per person
Property damage liability
$10,000 per accident
Types of Florida auto insurance we offer
Explore our Florida car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
Personal Injury Protection (PIP) coverage
Required in Florida, PIP covers eligible medical expenses and/or lost wages for you and your family members after an accident, regardless of fault.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Florida?
The average Florida driver pays $3,916 per year for full coverage car insurance [2].
Root customers looking to purchase Florida car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Florida Auto Insurance FAQs
What is the minimum car insurance required in Florida?
To legally operate a vehicle in Florida, you must carry Personal Injury Protection (PIP) and property damage liability insurance.
Florida requires PIP to help pay eligible medical expenses and other covered costs after an accident, regardless of who caused it. To avoid serious expenses in the event of a major accident, you should also consider coverage that protects your vehicle, such as collision and comprehensive.
PIP and property damage liability are the coverages you are legally required to carry when purchasing auto insurance in Florida.
Is it legal to drive without insurance in Florida?
No, you cannot legally drive without auto insurance in Florida. State law requires every driver and vehicle owner to maintain continuous Personal Injury Protection (PIP) and property damage liability insurance and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Florida?
Yes. Florida requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Florida?
The easiest ways to save on your Florida car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Sunshine State.
Is Florida a no-fault car insurance state?
Yes, Florida is a no-fault state. Your own Personal Injury Protection (PIP) coverage pays for eligible medical expenses after a crash, regardless of who caused it. You can generally only sue the at-fault driver for injuries in limited situations, such as when injuries are serious enough to meet the state’s threshold.
Is auto collision insurance required in Florida?
Florida law does not require drivers to carry collision coverage. The state only requires minimum Personal Injury Protection (PIP) and property damage liability insurance. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Florida?
No, Florida drivers are not required to carry uninsured/underinsured motorist coverage. Root offers optional UM/UIM coverage in Florida to help pay for eligible injuries when the at-fault driver has no insurance or not enough coverage. Insurers in Florida must offer this coverage, so if you don’t want it, you’ll need to reject it in writing. We make it easy to choose your coverage in our app.
Does Root offer full coverage car insurance in Florida?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), Personal Injury Protection (PIP), collision, and comprehensive. Root offers all of these coverages in Florida.
Who needs SR-22 insurance in Florida?
High-risk Florida drivers may be ordered by a court or the Florida Department of Highway Safety and Motor Vehicles to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance. Florida drivers convicted of DUI may instead be required to file an FR-44, which certifies higher liability limits than a standard SR-22.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
How did Florida's 2023 tort reform change car accident claims?
Florida's 2023 tort reform law made two big changes for drivers. First, Florida switched to a modified comparative negligence rule, so you can't recover damages if you're found more than 50% at fault for an accident. Second, the deadline to file a negligence lawsuit was cut from four years to two, so it's important not to wait after a crash.
Do I have to pay a deductible for windshield replacement in Florida?
No, as long as you have comprehensive coverage. Florida law waives the deductible for windshield repair or replacement, so a windshield cracked by road debris or a storm typically won't cost you out of pocket.
Helpful resources for Florida drivers
Florida Department of Highway Safety and Motor Vehicles
FLHSMV issues driver's licenses and ID cards, manages vehicle titles and registrations, and oversees the Florida Highway Patrol.
Florida Department of Transportation
FDOT maintains the state highway system and provides traveler services like FL511 and SunPass.
Florida Traffic Laws
Review traffic laws in the state of Florida in Chapter 316 of the Florida Statutes.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
Florida Department of Highway Safety and Motor Vehicles. Insurance Requirements.
Insure.com. Annual average rates were compiled in 2026.