Florida
Florida guides

Average Cost of Car Insurance in Florida: What Drivers Pay Per Month, in Miami and Orlando and Across the State, and Why Florida Rates Run High
Florida drivers spent $2,017.97 per insured vehicle in 2024, about $168 a month, per the NAIC. See full coverage averages, city pricing and what moves a quote.
Home and RentersCitizens Property Insurance in Florida: Who Qualifies, What It Covers, How the Clearinghouse and Takeout Offers Work and the Flood Requirement
Citizens insures Florida homes when no comparable private offer comes within 20% of its premium. See who qualifies, the forms, takeouts and the flood rule.
AutoFlorida Car Insurance Requirements: PIP and Property Damage Minimums, When Bodily Injury Liability Is Required, Proof of Insurance and What Full Coverage Means
Florida requires $10,000 PIP and $10,000 property damage liability on registered cars. See when bodily injury liability applies, proof rules and lapse fees.
More Florida guides

Florida Condo Insurance: HO-6 Requirements, What the Association Policy Covers, Loss Assessment Coverage and the Condo Law Changes After Surfside
Florida requires $2,000 of loss assessment coverage on condo unit-owner policies, not a full HO-6. See what the master policy covers and the post-Surfside rules.

Florida Driving Without Insurance: The Lapse Penalty, License and Registration Suspension, the Reinstatement Fee and What to Do Tonight
A Florida insurance lapse can suspend your license and registration; reinstating costs $150, $250 or $500 plus proof. See what the notice means and what to do.

Florida Flood Insurance: What It Costs by Zone, the 30-Day Wait, NFIP vs Private Policies and the Citizens Flood Requirement
Florida law doesn't require flood insurance, but lenders and Citizens can. See NFIP limits of $250,000 and $100,000, the 30-day wait and the Citizens schedule.

Florida FR-44 Insurance: What It Is, How It Differs From an SR-22, the 100/300/50 Limits, How Long It Lasts and How to Get It
A Florida FR-44 proves 100/300/50 liability after a DUI conviction or plea, kept 3 years from reinstatement. See who needs it and how it differs from SR-22.

Florida Golf Cart Insurance: Whether It Is Required, Street Rules, The Villages and Other Communities and What a Policy Covers
Florida golf carts capped at 20 mph skip registration and PIP, but low-speed vehicles need both. See street rules, The Villages, homeowners limits and policies.

Florida Homeowners Insurance: Why Rates Are High, What the 2022 and 2023 Reforms Changed, What Drives Your Price and What to Do at Renewal or Non-Renewal
Florida had the highest average HO-3 premium in 2022, at $2,677. See why rates are high, what the 2021 to 2023 reforms changed and what to do at renewal.

Florida Hurricane Deductible: How the Percentage Works, When It Applies, the Once-a-Season Rule and What the Options Cost You at Claim Time
Florida insurers must offer $500, 2%, 5% and 10% hurricane deductibles, figured on your dwelling limit. See when the deductible applies and the yearly rule.