Florida Car Insurance Quotes — Compare & Save | Squeeze

Compare Florida car insurance quotes from carriers built for FL's no-fault market, including high-risk and SR-22 options. See your rate in minutes.

Palm tree-lined street with cars parked along the curb in Florida

Florida drivers face some of the highest auto insurance costs in the country, driven by hurricane exposure, a dense claims environment, and a no-fault system that requires coverage most other states don't. Squeeze shops Florida's insurance market — including carriers built specifically for higher-risk and non-standard drivers — to help you find a policy that fits.

FAQs

Is Florida a no-fault state?

Yes. Florida requires PIP coverage so your own insurer pays your medical costs after an accident, regardless of fault, up to your policy limit.

Do I need bodily injury liability in Florida?

It's not legally required, but it's strongly recommended — without it, you're personally responsible for another driver's injury costs if you're at fault.

Can I get car insurance in Florida with a DUI or SR-22 requirement?

Yes — Florida has a deep non-standard insurance market, and Squeeze works with carriers that write SR-22 and high-risk policies.

Minimum Coverage Summary

Florida doesn't require bodily injury liability coverage by default — an unusual setup among large states. Drivers must instead carry:

$10,000 in property damage liability (PD) per accident
$10,000 in personal injury protection (PIP), since Florida is a no-fault state

Note for compliance: Florida lawmakers have discussed adding a bodily injury liability mandate in recent sessions — confirm current status before publishing this as settled fact. Because PIP-only coverage leaves a significant gap if you're at fault in a serious accident, most agents — including Squeeze's licensed team — recommend carrying bodily injury liability voluntarily even though it isn't legally required.

Rate Factors

Hurricane and severe weather exposure, which drives up comprehensive claims statewide
High uninsured motorist rates — Florida has one of the highest shares of uninsured drivers in the U.S.
No-fault claims environment, which historically carried higher fraud and litigation costs than at-fault states (though 2022–2023 state tort reforms reduced some of this)
County-level variation — South Florida (Miami-Dade, Broward) runs meaningfully higher than the Panhandle or North Florida

Carrier Note

Squeeze shops a wide bench of Florida-licensed carriers, including several non-standard insurers that specialize in higher-risk profiles — drivers with recent tickets, accidents, lapses in coverage, or SR-22 requirements. If you've been turned down or quoted a high rate elsewhere, Florida is one of the deepest markets Squeeze shops.