Car insurance requirements in Florida
What the law actually requires, and why it usually isn’t enough.
Every figure on this page is sourced and dated. Requirements change when legislatures amend them, so we say where ours came from and when we last checked.
What Florida compels you to carry
- Property damage liability
- Personal injury protection (PIP)
Your own personal injury protection pays your medical costs regardless of who caused the crash, and your right to sue for pain and suffering is limited unless injuries meet a threshold.
What’s specific to Florida
Florida is unusual: it does NOT compel bodily injury liability coverage for most drivers. The requirement is $10,000 PIP and $10,000 property damage liability.
That means a driver meeting the legal minimum may carry nothing that pays for injuries they cause to someone else. It is one of the strongest arguments in the country for buying above the minimum.
Why the minimum is a floor, not a recommendation
State minimums are set by legislation. They reflect what lawmakers judged to be the least a driver should carry — often decided years ago and rarely revisited. Florida’s figures say nothing about your circumstances.
The consequence is concrete: if you cause an accident and the claim exceeds your limits, the remainder can come from you. Liability coverage is the part of the policy protecting everything you own, which is why the sensible question is what you’d have at risk — not what the statute permits.
This matters more in Florida than almost anywhere else. A driver carrying only the legal minimum here may hold nothing that pays for injuries they cause to another person.
Checking this yourself
You should not have to take our word for it. The Florida Office of Insurance Regulation publishes the current requirements, handles complaints, and maintains a licence lookup so you can verify anyone selling you a policy.
Find the Florida insurance department via the NAIC directoryFlorida car insurance questions
Florida requires $10,000 of property damage liability and personal injury protection. Unusually, it does not compel bodily injury liability coverage for most drivers. Verified 2026-08-17.
Florida operates an no-fault system. Your own personal injury protection pays your medical costs regardless of who caused the crash, and your right to sue for pain and suffering is limited unless injuries meet a threshold.
Minimums are a legal floor set by legislation, not an assessment of what you'd need. If a claim exceeds your limits the difference can come from you, so the honest test is what you'd have at risk in a serious at-fault accident — not what the statute permits.
The Florida Office of Insurance Regulation publishes the current requirements and a licence lookup. We list our source and the date we last verified these figures on this page, and requirements do change — legislatures amend them.
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Requirements verified 2026-08-17 against Insurance Information Institute / APCIA, rev. 7/2024. State insurance law changes — confirm current requirements with the Florida Office of Insurance Regulation before relying on any figure here. General information only, not legal or insurance advice. Quote My Policy LLC is a licensed insurance producer.