Florida Minimum Auto Insurance Requirements Explained

State‑Mandated Minimum Coverage

Florida law requires every driver to carry a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). PIP covers medical expenses and lost wages for you and passengers regardless of fault, while PDL pays for damage you cause to another vehicle or property.

What the $10,000 PIP Covers

PIP pays up to $10,000 per person for medical bills, rehabilitation, and 80% of lost earnings after an accident. It also includes a modest death benefit for surviving dependents. The coverage applies whether you were at fault, and it is the primary payer before health insurance.

Understanding the $10,000 PDL Limit

Property Damage Liability is limited to $10,000 per accident. It only covers damage you cause to another driver's vehicle, a fence, a building, or other property. If damages exceed the limit, you are personally liable for the difference.

Optional but Common Add‑Ons

While not required, many Floridians add:

• Bodily Injury Liability (BIL) – typically $10,000/$20,000 or higher to protect against lawsuits.
• Comprehensive and Collision – to cover your own car's damage from non‑collision events or crashes.
• Uninsured/Underinsured Motorist Coverage – useful because many drivers only carry the state minimum.

How to Verify Compliance

Insurance companies must issue an electronic insurance verification (e‑IV) that law enforcement can check instantly. Keep a printed copy of your policy card, but know that the e‑IV is the legal proof of coverage.

Key Differences From Other States

Unlike most states, Florida does not require Bodily Injury Liability for other drivers; it relies on PIP as the primary medical coverage. The $10,000 PDL limit is also lower than the $25,000 or higher limits common elsewhere.

Summary Table of Minimum Requirements