What Auto Insurance Is Required in Florida?
If you own a vehicle in Florida, understanding the state's minimum auto insurance requirements is an important part of protecting yourself and keeping your vehicle properly insured.
Florida law generally requires owners of registered private passenger vehicles to maintain at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL).
Florida's Minimum Auto Insurance Requirements
For most Florida drivers, the two primary required coverages are:
Personal Injury Protection (PIP) — $10,000
Personal Injury Protection is commonly associated with Florida's no-fault auto insurance system. PIP can provide benefits for certain medical expenses, disability benefits, and death benefits following an auto accident, subject to the terms, limitations, and requirements of the policy and Florida law.
PIP generally applies regardless of who caused the accident.
Property Damage Liability (PDL) — $10,000
Property Damage Liability helps pay for damage you are legally responsible for causing to another person's property with your vehicle. This can include another vehicle as well as other types of property damaged in an accident.
Is Bodily Injury Liability Required in Florida?
Bodily Injury Liability is not generally part of Florida's minimum insurance requirement for registering a standard private passenger vehicle. However, Florida's financial responsibility laws can require bodily injury liability coverage under certain circumstances.
Even when it is not legally required, bodily injury liability is an important coverage to consider because it can help protect you financially if you are legally responsible for injuries to another person in an accident.
Are Florida's Minimum Limits Enough?
Meeting Florida's minimum insurance requirements and having enough insurance to protect your finances are two different things.
For example, $10,000 in Property Damage Liability may not go very far if an accident involves a newer or higher-value vehicle or causes significant property damage.
Depending on your situation, you may want to consider higher liability limits and additional coverages such as:
- Bodily Injury Liability
- Uninsured/Underinsured Motorist Coverage
- Collision Coverage
- Comprehensive Coverage
- Medical Payments Coverage
- Rental Reimbursement
- Roadside Assistance
- Umbrella Liability Insurance
What About a Financed or Leased Vehicle?
Florida's legal minimum requirements are not necessarily the only insurance requirements you may have. If your vehicle is financed or leased, your lender or leasing company may require additional physical damage coverage, such as comprehensive and collision coverage, as part of your financing or lease agreement.
Why Florida Drivers Should Review More Than the Minimum
The right auto insurance policy should reflect more than the minimum amount required to register a vehicle. Your vehicles, household drivers, assets, driving habits, liability exposure, deductibles, and financial situation can all affect the amount and type of coverage that may be appropriate.
Insurance Scout Partners is an independent Florida insurance agency. We help Florida drivers compare auto insurance options from multiple insurance companies and understand the coverage available to them.
Need Help Comparing Florida Auto Insurance?
If you are reviewing your current auto insurance or shopping for a new policy, Insurance Scout Partners can help you compare available coverage options and insurance companies.
Start a Florida auto insurance quote or contact our team to discuss your coverage options.
Insurance requirements and policy terms can change, and individual circumstances may result in additional requirements. This information is intended for general educational purposes and is not legal advice. Coverage is subject to the terms, conditions, exclusions, limits, and underwriting requirements of the applicable insurance policy.