Yes, driving naked in Florida is a crime. Under Florida Statute 316.085(1), it is unlawful to operate a vehicle while "knowingly and intentionally exposing his or her sexual organs." The statute applies on both public and private roads, regardless of whether anyone else is present.
Penalties escalate with repeat offenses. A first conviction carries up to 60 days in jail and a $500 fine. A second conviction within five years can result in up to one year in prison and a $1,000 fine. So while the Sunshine State lives up to its name in many ways, staying clothed behind the wheel is a legal requirement.