Car insurance · Florida
Car insurance requirements in Florida
PIP $10,000 and property damage $10,000. Claims system: no-fault.
Verified summaryAll Florida insurance topics
Requirements
Minimum car insurance requirements in Florida
| Coverage | Requirement in Florida |
|---|---|
| Bodily injury liability | Not required to register. After certain crashes or violations: $10,000 per person / $20,000 per crash |
| Property damage liability | $10,000 per crash |
| Injury protection | Personal injury protection (PIP): $10,000 required |
| Uninsured / underinsured motorist | Not listed as required |
What the law requires you to carry
- Personal injury protection (PIP): at least $10,000
- Property damage liability (PDL): at least $10,000
Uninsured drivers
Uninsured motorist coverage in Florida
Not listed as required.
Optional coverage
Coverage you can add in Florida
- Bodily injury liability
- Uninsured/underinsured motorist
- Collision
- Comprehensive
- Medical payments
Penalties
Penalties for driving without insurance in Florida
The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) states that failing to maintain the required coverage may result in suspension of the driver license and registration and a reinstatement fee.
Good to know
Other things to know in Florida
- Florida's no-fault law requires $10,000 of PIP and $10,000 of property damage liability for registered vehicles. Bodily injury liability is not required to register, but FLHSMV requires $10,000/$20,000 bodily injury limits after certain crashes or violations.
- A policy without bodily injury liability does not pay for injuries you cause to other people.
- Lawmakers have introduced bills to repeal PIP in several sessions. As of our October 2026 review we found no enacted repeal, and the 2026 bills died in committee. Check FLHSMV for the current rule before you rely on this page.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Florida
- Florida insurance regulators
- NAIC directory of state insurance departments
Sources
Where this summary comes from
Reviewed 2026-10. Check each source for the current rule.
- FLHSMV: Insurance requirementsflhsmv.gov
- FLHSMV: Involved in a crash?flhsmv.gov
- NAIC: State insurance department directorycontent.naic.org
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Florida.
Home insurance resources and the health marketplace for Florida are on its overview page.