Vehicle Ownership in Florida — Car Alpha

Complete guide to vehicle ownership in Florida: insurance requirements (10/20/10 (PIP required)), lemon law protections, emissions testing, registration fees, and EV incentives.

Florida Overview

Southeast · Capital: Tallahassee

Florida is a no-fault insurance state, meaning your own insurance covers your injuries regardless of who caused the accident. The state does not require emissions testing or safety inspections.

Insurance Requirements

Minimum Coverage

10/20/10 (PIP required)

Average Annual Cost

$2,560

$10,000 personal injury protection (PIP) / $10,000 property damage liability. Bodily injury liability is only required if the driver has had license or registration suspended.

Full insurance guide Compare Florida rates

Florida Lemon Law

Florida's Lemon Law covers new or demonstrator vehicles within 24 months of delivery. After three repair attempts for the same defect or 15+ cumulative days out of service, the buyer can seek arbitration for a full refund or replacement.

Full lemon law guide Talk to a lemon law attorney

Registration & Title

Registration Fee

$14.50 - $32.50 based on weight

Title Fee

$77.25

Plate Fee

$28

Florida registration fees are based on vehicle weight. An initial registration fee applies, plus a $225 new wheels fee for first-time registrations. Title fee is $77.25 including lien recording.

Full registration guide