What are Florida's minimum car insurance requirements?

Answered by Home Insurance, Car Insurance Expert Shannon on February 24, 2021

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?

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Home Insurance, Car Insurance Expert

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.

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