FL
Florida Vehicle Cost Guide 2026
Florida has a 6% state sales tax with an additional 2% discretionary sales surtax in most counties (total up to 8%). The state does not offer a state-level EV tax credit. Florida requires mandatory no-fault PIP insurance with a minimum of $10,000 personal injury protection and $10,000 property damage liability. Vehicle inspections are not required.
State Sales Tax
6.00%
Vehicle purchases
Avg. Annual Insurance
$1,720
Full coverage
EV Tax Credit
Varies
State-level
Registration Fee
$44
Annual
DMV / Registration Fees
| Title Transfer | $75 |
| License Plate Fee | $28 |
| Registration (Base) | $44 |
Insurance Requirements
No-Fault State: Yes
Inspection Required: No
Minimum Coverage:
Bodily Injury: $10,000 per person / $20,000 per accident
Property Damage: $10,000
Uninsured Motorist: $10,000/$20,000
County Tax Rates
Miami-Dade2.00%
Broward2.00%
Palm Beach2.00%
Hillsborough2.00%
Orange2.00%
Total vehicle sales tax = state rate + county rate
Ownership costs for popular models in Florida
Every purchase in Florida carries a 6.00% state sales tax, about $1,720/yr average insurance, and a 6.39% typical new-car loan APR. Open any model below to see its pre-filled 5-year cost of ownership tuned to Florida.
Calculate Your Costs
Use our auto loan calculator with Florida tax rates to estimate your total vehicle costs.
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