Car insurance in Florida
Florida drivers carry personal injury protection, which pays for their own injuries after a crash regardless of who caused it.
- Insurance regulator
- Florida Office of Insurance Regulation
- Licenses insurers and handles consumer complaints.
- Liability system
- No-fault
- Each driver's own policy pays for their injuries after a crash, whoever caused it. Property damage is still handled by fault.
- Insura model tier
- Higher-cost tier
- A model assumption, not an official ranking. The calculator adjusts the baseline by +22% for Florida.
- Average premium
- Not yet published
- Insura will add this when it can cite a source.
- ZIP-level costs
- Not yet published
- The calculator currently adjusts by state only.
Insurance rules change. Confirm current requirements with the Florida Office of Insurance Regulation before you buy or change a policy.