What Car Insurance Is Required in Florida?

After a car accident, questions regarding your car insurance may arise – such as if your policy is active and whether you have enough coverage for damages. Every state imposes minimum coverage requirements for car insurance policies to protect drivers. Driving underinsured or uninsured in Florida can put you at risk of personal liability in the event of an at-fault crash. Learn what Florida expects from its drivers, the type of insurance you have to carry, and how an insurance claim works to protect yourself and others on the roadway.

Minimum Coverage Amounts and Types

In Florida, drivers must purchase the minimum amounts for property damage liability (PDL) and personal injury protection (PIP) insurance. Florida is a no-fault car insurance state, meaning your car insurance will cover your medical costs as much as your limit allows, regardless of who is at fault for the accident. This rule can significantly help at-fault drivers in accidents who may otherwise have to pay for their medical bills out of pocket.

The car insurance coverage minimums in Florida are $10,000 of personal injury protection (or “no-fault”) insurance and $10,000 of property damage liability insurance. PIP insurance will cover part or all of your medical expenses and lost income that result from a crash, depending on the coverage limit you purchase. On top of this coverage, PIP will also pay for:

  • Injuries to your child and other household members in a car accident.
  • Your child’s injuries if he or she is on a school bus.
  • Your injuries as a pedestrian or bicyclist in a car accident.
  • Injuries of passengers in your vehicle at the time of the accident who do not have their own vehicle or PIP insurance policy.

If someone in your car during the accident does have PIP insurance, his or her own policy will cover injuries and lost wages. Similarly, you PIP insurance will cover your injuries if you’re in someone else’s car in a crash. Property damage liability insurance pays to repair any damages you cause in an accident, including to vehicles, buildings, and other properties.

Additional (Optional) Coverage in Florida

Florida’s minimum car insurance coverage amounts may not be enough to fully protect you and reimburse you after an accident. The DHSMV encourages drivers to purchase additional insurance coverage, even though this is optional. You can purchase bodily injury liability insurance to pay for others’ serious injuries or death in an at-fault crash, comprehensive insurance to pay for vehicle damage not related to an accident, collision coverage to repair damages to your own vehicle in an at-fault crash, towing and labor insurance, and uninsured/underinsured motorist coverage.

Do Your Part as a Responsible Florida Driver

Every driver in Florida must show proof of insurance to register a vehicle. You must also show proof of insurance during traffic stops. You must notify your insurance company if you cancel your insurance policy.

If the Florida Department of Highway Safety and Motor Vehicles (DHSMV) doesn’t have record of a current car insurance policy for your vehicle, it will suspend your driver’s license, license plates, and registration. The DHSMV will continue your suspension until you show proof of Florida car insurance and pay the reinstatement fees. Show proof of insurance to the DHSMV before the deadline to avoid suspensions and fees.

Florida minimum insurance requirements are in place to protect you and other drivers in the event of a car accident. Think of car insurance payments as a requirement to drive in Florida. Car insurance minimum requirement compliance will ultimately benefit you in an accident, covering injuries and damages you cause to other people’s vehicles and property. Car insurance can help you avoid personal injury lawsuits. Do your duty as a responsible driver in Florida. Make sure you always have active, adequate car insurance.

Brandon Stein

Chief Executive Officer

Brandon Stein, the owner and founder of SteinLaw, is a Florida-based trial attorney who focuses on personal injury cases such as wrongful death, car accident, slip and fall, and a variety of other civil litigation areas. Being a former associate at a prominent Florida Defense Law Firm, Brandon Stein understands the strategy and tactics...[READ BIO]