What Florida requires
- Personal injury protection (PIP): $10,000. Under Florida's no-fault system, PIP helps pay your own medical bills and lost income after a crash, no matter who caused it — generally 80% of reasonable medical expenses and 60% of lost income, up to the limit. To use PIP, you generally must get medical care within 14 days of the accident.
- Property damage liability (PDL): $10,000. Pays for damage you cause to someone else's car or property.
The legal minimum is a starting point, not a recommendation. A serious crash can easily cost more than $10,000.
Coverage worth considering
- Bodily injury liability — pays for injuries you cause to others and helps protect your savings and assets.
- Uninsured/underinsured motorist — protects you and your passengers if the other driver has little or no insurance. Florida insurers must offer it; you can only decline it in writing.
- Collision — repairs your car after an accident, regardless of fault (minus your deductible).
- Comprehensive — theft, vandalism, fire, falling objects and flood damage to your car.
- Medical payments, rental reimbursement and roadside assistance — extras that fill common gaps.
If you finance or lease your vehicle, your lender will usually require collision and comprehensive.
What affects your price
Your driving record, where the car is garaged, the vehicle itself, how much you drive, who's on the policy and the coverage and deductibles you choose. Discounts may be available for bundling policies, safe driving, good students and safety features — we'll look for every one you qualify for.
Questions
What auto insurance is required in Florida?
Florida requires most drivers who own a registered vehicle with four or more wheels to carry at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL). Florida's no-fault (PIP) system was still in effect as of 2026.
Is bodily injury liability required?
Not for most drivers, but it is strongly recommended. Without it, you could be personally responsible if you injure someone in a crash. Drivers with certain violations, such as a DUI, may be required to carry it and file proof with the state.
Does my car insurance cover hurricane or flood damage?
Flood, falling trees and wind damage to your car are generally covered only if you have comprehensive coverage. Insurers commonly stop writing new policies or changes once a hurricane watch or warning is issued, so review your coverage before storm season.
I was told I need an SR-22 or FR-44. Can you help?
Call us. These are certificates that some drivers must file with the state after certain violations. We'll explain what's required and check options for your situation.
General information about Florida auto insurance as of 2026. Coverage depends on your policy's terms, limits, deductibles and exclusions.