What are Florida's minimum car insurance requirements?

I am about to get my first car in Florida and I know the car insurance rates are really high here. What kind of insurance do I need to drive legally?

Answer provided by
Shannon Martin
Answered on May 05, 2021
Each state has its own limits for minimum acceptable coverage. While bodily injury coverage is not required, Florida requires each person to carry a minimum of $10,000 in personal injury protection (PIP) and a minimum of $10,000 in property damage liability (PDL) coverage.
PIP is a form of no-fault coverage that ensures the driver’s medical payments will be covered in an accident, and PDL covers the other person’s vehicle or property (like trees, buildings, etc.). These limits are, in part, based on the average amount required to pay for a claim.
That being said, one of the reasons that the premium rates in Florida are so high is because of lawsuits arising from accidents and drivers not carrying enough coverage, even though they are carrying what is required.
It is best to carry higher limits than these minimum requirements in order to avoid exhausting your coverage in the event of a loss, incurring significant out-of-pocket expenses, or facing possible legal action.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies