Mark Friedlander, director of communications for the Insurance Information Institute, did not soften his assessment of what Florida’s uninsured driver data shows: “One out of every five Florida drivers has no insurance at all. That is pretty alarming.” The Insurance Research Council puts Florida’s uninsured motorist rate at 20.6% — seventh highest in the country — a figure that has been climbing since 2022, when it stood at 16%.
For most of Florida, that statistic lives in the background. For Miami-Dade County, it shows up on the road every day. In 2025, Miami-Dade recorded 13,122 hit-and-run crashes — roughly 36 every single day. The county already accounts for approximately 15% of all Florida traffic crashes, and Miami has been ranked the worst city to drive in the United States based on accident frequency and fatality rates.
Hit-and-run accidents and uninsured drivers are closely connected. Drivers who flee a crash scene are disproportionately likely to be uninsured, unlicensed, or both. In Miami-Dade, the highest-premium auto insurance market in Florida, the bill for that pattern falls on the drivers who stayed.
The Rule Florida Never Updated — and What It Costs Insured Drivers
Florida is among the only states in the country that does not require drivers to carry bodily injury liability coverage. The state minimum — $10,000 in Personal Injury Protection and $10,000 in property damage coverage — has not been updated since the 1970s…