What is Personal Injury Protection (PIP) Insurance in Florida?

Florida is a “no fault” state. Florida is one of a handful of states that operates under a no-fault auto insurance system. This means that after a car accident, your own insurance policy is primarily responsible for covering your medical bills and certain other losses—regardless of who caused the crash. The system is designed to speed up payments for medical care, reduce court backlogs from minor injury lawsuits, and get you back on your feet faster.

The key component of Florida’s no-fault system is Personal Injury Protection (PIP) insurance, which every driver must carry (minimum $10,000 coverage). This system is a key component in the no-fault system. Basically, it means that your insurance company is required to spring into action after an accident and start paying for repairs and treatment right away. It’s then up to them to recover costs from the other driver’s insurance company if they caused the accident.

If you have ever been in an accident in Florida as well as a no-fault state, you understand how great it feels to have action taken on your behalf immediately. You can get medical treatment, vehicle repairs and a rental car with PIP.

What PIP Does NOT Cover

PIP has limitations:

• Pain and suffering, emotional distress, or other non-economic damages
• Property damage (that’s covered by PDL)
• Intentional injuries or those from illegal activities
• Motorcycle or scooter injuries (PIP doesn’t apply to these)
• Cosmetic or elective procedures
• Injuries from out-of-state accidents (coverage is limited)

How Much Does PIP Insurance Cost in Florida?

Personal Injury Protection (PIP) is a required part of auto insurance in Florida, but it doesn’t have a standalone “monthly payment”—it’s bundled into your overall car insurance premium. The cost of PIP itself varies widely depending on your insurer, driving record, age, location (like Melbourne or other Brevard County areas), vehicle type, and whether you choose a deductible or exclude certain benefits.

Average Costs for Minimum Coverage (Including PIP)

Florida’s minimum required coverage includes $10,000 in PIP and $10,000 in property damage liability. As of late 2025, recent data shows: Minimum coverage premiums average around $88–$131 per month (about $1,006–$1,569 annually) for a typical driver with a clean record. This includes the cost of PIP, which often makes up 15–20% of the total premium—roughly $15–$30 per month for the PIP portion alone.

These are averages—your quote could be lower or higher.