Florida Auto Insurance — Minimum Coverage & Rates
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
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Florida at a Glance
$10,000
Minimum property damage liability
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Florida operates as a no-fault state, meaning your own PIP coverage pays for your medical bills regardless of who caused the accident. The state requires all registered vehicles to carry continuous proof of insurance — failure to maintain coverage triggers automatic license suspension under Florida's Financial Responsibility Law. Unlike most states, Florida does not require bodily injury liability coverage unless you've been convicted of certain violations, though driving without it leaves you personally liable for at-fault injuries.
Personal Injury Protection (PIP)
Property Damage Liability (PDL)
Bodily Injury Liability
Uninsured Motorist Coverage
Cost Overview
$81–$139/mo
Typical monthly rate in Florida, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
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Find Your Lowest RateFrequently Asked Questions
Do I need bodily injury liability in Florida?
Bodily injury liability is not required for most Florida drivers, but you are personally liable for all medical bills, lost wages, and legal fees if you injure someone in an at-fault accident. If you cause an accident with injuries or are convicted of DUI or certain violations, Florida mandates bodily injury coverage (typically 100/300 for FR-44 filers). Without it, your wages and assets can be garnished to pay injury claims.
Coverage Types
Liability Insurance (PIP + PDL)
Florida's required minimum — $10,000 PIP covers your medical bills regardless of fault, $10,000 PDL covers property you damage. This is the absolute floor to legally drive in Florida, but both limits are exhausted quickly in moderate crashes.
Full Coverage (Collision + Comprehensive)
Adds collision (repairs your car after an accident) and comprehensive (covers theft, weather, vandalism). Only cost-effective if your vehicle is worth more than $5,000–$7,000 — otherwise you're paying more in premiums than you'd recover in a claim.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Florida insurers must offer this coverage, and you must sign a waiver to decline it.
Bodily Injury Liability
Covers medical bills, lost wages, and legal costs for people you injure in an at-fault accident. Not required in Florida unless you've been in a prior at-fault crash or convicted of certain violations, but without it you are personally liable for all injury costs.
SR-22 Insurance
Not a coverage type, but a certificate proving you carry state-required insurance after a DUI, license suspension, or at-fault accident without insurance. The FR-44 form is Florida's version and requires higher liability limits than a standard SR-22.