Car insurance in Miami and South Florida

Florida requires owners of registered vehicles to carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability. PIP pays 80% of reasonable medical bills and 60% of lost income, up to $10,000. PIP has not been repealed: the 2026 repeal bills (SB 522 and HB 769) died in committee on March 13, 2026. Coverages such as bodily injury liability are not part of this base minimum.

According to the NAIC, Floridians spent an average of about $1,865 per insured vehicle on auto insurance in 2023, compared with about $1,281 nationwide (report adopted December 2025). Your price depends on who is driving, the vehicle, the coverages and amounts you choose, your deductibles and where you live. A licensed agent can compare quotes from multiple companies.

Several costs add up, and Florida's average is above the national average ($1,865 versus $1,281 per vehicle in 2023, per the NAIC). The NAIC lists weather, traffic density, accident rates, repair costs, and medical and legal costs among the factors that make state prices differ. It adds that high-premium states tend to be highly urban; 91.5% of Floridians live in urban areas (2020 Census).

It depends on the insurance company, since each sets its own rules for accepting foreign or out-of-state licenses. Separately, Florida law lets nonresidents 16 or older drive on a valid license from their home state or country, but someone who takes a job here or enrolls children in a Florida public school must get a Florida license within 30 days. A licensed agent can check which companies accept yours.

An SR-22 is a certificate your insurer files with the state to show you carry the required liability insurance; an FR-44 is a similar filing after certain DUI convictions, with higher limits of $100,000/$300,000 for bodily injury and $50,000 for property damage. Florida generally requires the proof for three years. Details depend on why it was required, so a licensed agent can help.

It can. Insurers consider your driving record, including traffic tickets and crashes, and your claims history when pricing a policy, so either may raise your premium at renewal or with a new company. How much varies by insurer and by violation. The NAIC notes that discounts, such as for completing a defensive driving course, may be available, so it is worth asking.