What is the minimum car insurance required in Florida?

Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property-damage liability. Notably, it does not mandate bodily-injury liability coverage at all.

Is Florida a no-fault state?

Yes. Florida is a no-fault state, which means your own personal injury protection (PIP) pays your medical bills after a crash regardless of who caused it, and your ability to sue the at-fault driver is limited except for serious injuries.

Is the Florida minimum enough coverage?

For most drivers, no. State minimums are a legal floor, not a safe amount. A single serious injury claim or a totaled late-model vehicle can run well past $10,000 PIP + $10,000 property damage limits, and anything above your policy limit comes out of your own pocket, including your wages and savings. The right number is one that covers what you could actually lose, which is what the coverage calculator helps you size.

Car insurance · Florida

Car insurance requirements in Florida

Here are Florida's mandatory minimum limits, whether it runs on a no-fault or at-fault system, and (the part sales sites skip) why that legal minimum is usually far less coverage than you actually need.

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Florida at a glance

Minimum liability: $10,000 PIP + $10,000 property damage
Fault system: No-fault (PIP required)
Uninsured-motorist coverage: Not required

Florida is unusual: it mandates $10k PIP and $10k property damage but does NOT require bodily-injury liability, leaving most minimum-covered drivers badly underinsured for injuries they cause.

Why the minimum is rarely enough

The state minimum keeps you legal, not protected. Liability coverage only pays for the otherparty’s injuries and property, and it stops at your limit. Once a hospital bill or a new-car repair runs past that limit, the rest is legally yours to pay, which can mean a lien on your wages or your savings.

Match your bodily-injury limit to what you could lose in a lawsuit: for most people that means far more than the state floor.
Liability does nothing for your own car. If yours is worth insuring, that is what collision and comprehensive are for.
Uninsured/underinsured-motorist coverage is the one that protects you when the at-fault driver has the same thin minimum you’re looking at here.

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Common questions

What is the minimum car insurance required in Florida?: Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property-damage liability. Notably, it does not mandate bodily-injury liability coverage at all.
Is Florida a no-fault state?: Yes. Florida is a no-fault state, which means your own personal injury protection (PIP) pays your medical bills after a crash regardless of who caused it, and your ability to sue the at-fault driver is limited except for serious injuries.
Is the Florida minimum enough coverage?: For most drivers, no. State minimums are a legal floor, not a safe amount. A single serious injury claim or a totaled late-model vehicle can run well past $10,000 PIP + $10,000 property damage limits, and anything above your policy limit comes out of your own pocket, including your wages and savings. The right number is one that covers what you could actually lose, which is what the coverage calculator helps you size.

Auto-insurance laws change and limits are occasionally raised. Confirm current requirements with the Florida DMV or department of insurance before you rely on them. This page is educational and is not legal or insurance advice.

Size your own coverage

Start from your assets, not the state floor. The free coverage calculator shows how much liability, collision, and comprehensive actually make sense for you. No email, nothing stored.

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Car insurance requirements in Florida

Florida at a glance

Why the minimum is rarely enough

Common questions

Size your own coverage

Requirements in other states