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Better rates for better drivers in Florida

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Fair car insurance in Florida

From Tallahassee to Jacksonville, Orlando to Tampa, and all the way to Miami—Floridians can get fair and affordable car insurance with Root. Simply download the app, complete the test drive, and then see what you’ll save on your Florida car insurance quote. If you’re a good driver, you could save hundreds on auto insurance in FL. 

How it works

Auto insurance rates are traditionally based on your demographics—think age, marital status, and ZIP code. But Root is a different kind of insurance company. We base rates primarily on how you drive, not who you are. It’s the fair way to price car insurance.

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Visit the App Store or Google Play. Sign up in less than a minute.

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Drive around

We use your smartphone to measure your driving behavior. Better driving = more savings.

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Get your quote

You can customize and purchase your policy, all in the Root app.

State requirements in Florida

What are the minimum requirements in Florida?

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.

Property Damage

Property Damage covers damage to other vehicles or property when you cause an accident. It does not cover your vehicle (but Collision and Comprehensive coverages do).

Minimum Property Damage coverage Florida drivers must carry:

  • $10,000 for property damage (per accident)

You can select higher limits if you’d like more coverage.

Personal Injury Protection (PIP)

No-fault car insurance—also called Personal Injury Protection (PIP)—covers your household family members and your medical costs after an accident, regardless of who is at fault for the accident. Claims against the at-fault driver can be filed after the PIP benefits are exhausted. 

Minimum PIP coverage Florida drivers must carry: 

  • $10,000 limit per insured

What is the average cost of Florida car insurance?

The average Floridian pays $2,082¹ per year for their auto insurance, but many people are paying much more. Root doesn’t insure high-risk drivers, so our customers are saving up to $900 a year on their car insurance.

What other coverages does Root offer in Florida?

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Rental Car coverage

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Personal Injury Protection

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Medical Payments


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(including glass coverage)

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Roadside Assistance

(included with every Root policy)

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Start saving on car insurance

Get a car insurance quote based primarily on how you drive. You could save hundreds.

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  1. Annual average rates were compiled in August 2021

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Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.