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Is carrying only state-minimum liability car insurance a good idea in Florida?
I'm a frugal person. I prefer to buy used cars in cash and buy only the minimum amount of liability coverage necessary. Do I need better coverage, or is it okay to stick with the lowest-possible coverage limits in Florida?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Florida
’s minimum coverage limits are extremely low, and there’s a fairly good chance they won’t be high enough to offer you significant financial protection.Florida is a
no-fault state
, meaning you claim damages from your own insurance provider whether or not you caused the accident. In the Sunshine State, the minimum liability coverage required is as follows:
These limits make for cheap coverage, but it’s far too low for most car accidents. Medical expenses and car repair bills can quickly add up, leaving you to pay them out of pocket. Worse yet, you could be sued by any injured parties after an at-fault accident.
We recommend adding the following to your car insurance policy:
- $100,000 of PIP coverage
- $50,000-$100,000 of property damage liability coverage
- $100,000-$200,000 ofuninsured motorist coverage
This may seem like overkill, but in a major accident, you’ll be glad to have it.
View full answer
- Gregory R.
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