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Florida car insurance without the guesswork
Florida auto coverage starts with state minimums. Here's what's verified, and what to ask about the rest.
A licensed Bright Coast agent quotes you directly
Last checked 2026-11-01 against Florida OIR, OpenFEMA and official Florida sources.
How do I get cheap car insurance in Florida?
Start by knowing the legal floor, then compare quotes for the same coverage. Florida requires $10,000 PIP and $10,000 PDL on every vehicle with a current Florida registration.
The cheapest policy isn't always the right one. Ask whether the minimums alone fit your situation.
Keep coverage continuous. Florida requires it even if the vehicle isn't driven.
Source: FLHSMV: Florida insurance requirements — Checked: 2026-11-01
FLHSMV
Florida minimum auto insurance at a glance
| Coverage | Minimum | What it pays |
|---|---|---|
| Personal Injury Protection (PIP) | $10,000 | 80% of necessary, reasonable medical expenses up to $10,000, no matter who caused the crash |
| Property Damage Liability (PDL) | $10,000 | Damage to another person's property caused by you or someone driving your car |
Source: FLHSMV: Insurance Requirements — Checked: 2026-11-01. Applies to every vehicle with a current Florida registration.
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Quick answers
What is the cheapest legal car insurance in Florida?
The legal minimum is $10,000 Personal Injury Protection plus $10,000 Property Damage Liability for every vehicle with a current Florida registration. That's the floor, not a recommendation. What it costs you varies, and we don't publish auto rates, so compare quotes for the same coverage.
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