Car insurance in Florida
- Minimum car insuranceTo register a car, Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property damage liability. Bodily injury liability is not required to register, but after certain crashes involving injuries a driver must show bodily injury liability of $10,000 per person and $20,000 per crash. Uninsured motorist coverage is optional. Source
- Fault systemFlorida is a no-fault state: your own PIP pays 80 percent of reasonable medical costs up to $10,000 no matter who caused the crash, and you can sue the other driver only for serious injuries. Bills to repeal PIP died in the 2025 and 2026 sessions, so the no-fault law remains in effect. Source
Business insurance rules in Florida
- Workers’ compensationFlorida construction employers need workers' comp once they have one employee, and other employers once they have four or more. Corporate officers and LLC members who own the business count toward those numbers. The state is not monopolistic. Source
- Contractor licensingThe Construction Industry Licensing Board, part of the Department of Business and Professional Regulation, certifies and registers contractors. To get or renew a license, a contractor must swear that it carries workers' comp, public liability and property damage insurance in the amounts the board sets. Source
Home insurance in Florida
- Home insurer of last resortCitizens Property Insurance Corporation is Florida's state-created insurer of last resort for homeowners. Hurricane wind is the main catastrophe exposure, and insurers must offer hurricane deductibles of $500, 2 percent, 5 percent and 10 percent of the dwelling limit. Source
Disasters, floods, hail, tornadoes and earthquakes in Florida
| Measure | Florida | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 41 | #13 (tied) of 51 | Most often for hurricane (23), severe storm (14), coastal storm (1). Jefferson County has been in 20 of them. |
| National Flood Insurance Program claims, 2005–2025 | 258,204 | #2 of 51 | $16.5 billion paid; 13% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Homes in high-risk flood zones with a federal flood policy | 57% | #4 of 50 | 566,635 policies for 997,127 homes in the counties FEMA can measure; US: 40%. |
| Hail reports, 2016–2025 | 900 | #29 of 51 | 42 of them 2 inches or larger. Largest stone 3 inches, St. Johns County, April 2018. |
| Tornadoes, 2016–2025 | 527 | #9 of 51 | 44 rated EF2 or stronger; 3,762 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 1 | #28 of 51 | Largest: magnitude 4, 171 km E of Cape Canaveral, Florida, February 8, 2024. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Florida.
Worth knowing in Florida
Florida doesn't require bodily injury liability to register a car; drivers must carry $10,000 in PIP and $10,000 in property damage liability instead. Homeowners choose a percentage hurricane deductible separate from the regular deductible.
Florida’s insurance regulator
Insurance in Florida is regulated by the Florida Office of Insurance Regulation, which handles consumer complaints and licenses insurers and agents.
Common questions
What is the minimum car insurance in Florida?
To register a car, Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property damage liability. Bodily injury liability is not required to register, but after certain crashes involving injuries a driver must show bodily injury liability of $10,000 per person and $20,000 per crash. Uninsured motorist coverage is optional.
Is Florida a no-fault state?
Florida is a no-fault state: your own PIP pays 80 percent of reasonable medical costs up to $10,000 no matter who caused the crash, and you can sue the other driver only for serious injuries. Bills to repeal PIP died in the 2025 and 2026 sessions, so the no-fault law remains in effect.
Do employers in Florida need workers’ comp?
Florida construction employers need workers' comp once they have one employee, and other employers once they have four or more. Corporate officers and LLC members who own the business count toward those numbers. The state is not monopolistic.
What can a Florida homeowner do if no insurer will write the house?
Citizens Property Insurance Corporation is Florida's state-created insurer of last resort for homeowners. Hurricane wind is the main catastrophe exposure, and insurers must offer hurricane deductibles of $500, 2 percent, 5 percent and 10 percent of the dwelling limit.
Sources
- Florida: Minimum car insurance
- Florida: Fault system
- Florida: Workers’ compensation
- Florida: Home insurer of last resort
- Florida: Contractor licensing
- Florida: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.