Florida Car Insurance Minimum Requirements

Questions & answers

Terms used in this guide

Personal injury protection (PIP)

Florida's required no-fault coverage. Pays 80% of your medical expenses and 60% of lost wages after a crash, regardless of fault, up to $10,000.

Property damage liability (PDL)

Required Florida coverage that pays for damage you cause to other people's property. The state minimum is $10,000 per accident.

Bodily injury liability (BI)

Coverage that pays for injuries you cause to others. Not required for most Florida drivers, but required after a DUI (100/300) and strongly recommended for everyone.

No-fault insurance

A system in which each driver's own insurer pays for their initial injury costs regardless of who caused the crash. Florida is one of about a dozen no-fault states.

Sources and references

Legal figures on this page (minimum limits, filing periods, statutory benefits) are checked against the primary law or the state insurance regulator listed below. Links and figures last verified Nov 2026.

1. Fla. Stat. § 627.736 — required personal injury protection benefits — Florida Legislature (Online Sunshine), Fla. Stat. § 627.736Primary lawPIP: $10,000 medical and disability benefits, $5,000 death benefit; 80% of reasonable medical expenses, 60% of lost income; initial care within 14 days; $2,500 cap without an emergency medical condition.
2. Fla. Stat. § 324.022 — property damage liability requirement — Florida Legislature (Online Sunshine), Fla. Stat. § 324.022Primary lawEvery owner must maintain at least $10,000 property damage liability (or a $30,000 combined single limit with PIP).
3. Fla. Stat. § 627.737 — tort exemption and permanency threshold — Florida Legislature (Online Sunshine), Fla. Stat. § 627.737Primary lawNon-economic damages may be recovered only for permanent injury, significant scarring or death; defines the no-fault tort threshold.
4. Background on: No-fault auto insurance — Insurance Information InstituteIndependent researchWhich states use personal injury protection (PIP), how no-fault thresholds work, and reform history including Michigan and Florida.
5. Facts + Statistics: Uninsured motorists — Insurance Information Institute (2024)Statistical dataInsurance Research Council estimates of uninsured drivers by state (2022: e.g. Michigan 19.6%, California 17.0%, Florida 15.9%, Texas 13.8%).
6. Automobile financial responsibility limits by state — Insurance Information Institute (2023)Statistical dataCompulsory coverages and minimum liability limits by state (table dated December 2023 — several states have raised limits since; see statute entries).
7. What is covered by a basic auto insurance policy? — Insurance Information InstituteConsumer guidanceDefines bodily injury and property damage liability, MedPay, PIP, uninsured/underinsured motorist, collision, comprehensive and glass coverage.
8. Consumer insurance information — National Association of Insurance CommissionersConsumer guidancePlain-language guides from the body of state insurance regulators; links to every state's insurance department and complaint process.

Practical guidance on this page is original editorial work. Cited sources support factual statements and do not endorse this site. Dollar ranges described as typical or illustrative are editorial estimates, not figures from these sources.