Insurance in Florida
Florida has its own auto insurance rules and a home insurance market shaped by hurricanes. Here are the basics, in plain words, before you request a quote.
Updated: 09/28/2026 · Reviewed by Dylan Fernando Conde, licensed insurance agent (NPN 19086795)
Florida auto insurance: a no-fault state
Florida is a no-fault state. After an accident, your own policy pays part of your medical costs first, no matter who caused it.
To register a vehicle, the law requires at least:
- Personal Injury Protection (PIP): $10,000. It pays 80% of necessary medical expenses, up to $10,000, no matter who caused the crash.
- Property Damage Liability (PDL): $10,000.
Is the minimum enough?
The minimum doesn't include Bodily Injury liability for other people. It isn't required for most drivers but can be required after certain violations. Without it, you could pay out of pocket if you injure someone.
If your car is financed or leased, the lender will usually require full coverage: collision and comprehensive.
Florida home insurance
Florida home insurance prices depend heavily on wind risk and the age and condition of the roof. Older homes are often asked for inspections:
- 4-Point: reviews roof, electrical, plumbing and HVAC.
- Wind Mitigation: documents wind-resistant features and may help with discounts.
- Flood: most home policies don't cover flood; it's bought separately.
Florida health insurance
Florida uses the federal Marketplace (HealthCare.gov). Depending on your income and household, you may qualify for financial help that lowers the monthly premium. Private alternatives also exist and work differently from ACA plans.
Life and business insurance
Life insurance protects your family if you pass away. Florida contractors often need general liability and certificates of insurance for their clients.
How CotizaSeguros works in Florida
You fill out a form in English or Spanish, see an informational estimate when available, and a Florida-licensed insurance agent contacts you to review real options. We're not an insurance company; final prices come from the carrier.
Frequently asked questions
What is the minimum car insurance in Florida?
$10,000 PIP and $10,000 PDL. Bodily Injury liability isn't required for most drivers, but it's worth considering.
Can I get a quote with a foreign license in Florida?
Yes, you can request information. Each carrier decides whether and how it accepts the profile.
Does home insurance cover flood?
Usually not. Flood coverage is typically a separate policy.
Keep reading
General information, not legal advice or an offer of coverage. CotizaSeguros.com is not an insurance company. Prices, eligibility and coverage depend on the carrier and your profile. Services available only in FL, TX, TN, VA, OH, MO and SC.