Florida Auto Insurance Requirements: What You Must Carry

Florida's Minimum Coverage Rules

Florida is a no‑fault state, so drivers must carry a minimum of Personal Injury Protection (PIP) and Property Damage Liability (PDL). PIP covers medical expenses, lost wages, and other costs for anyone injured in an accident, regardless of fault. The required limits are $10,000 for medical payments, $10,000 for lost wages, and $10,000 for other medical expenses. PDL limits are $10,000 per person and $20,000 per accident for property damage caused to others.

Why No‑Fault Matters

Under no‑fault, you file a claim with your own insurer, not the other driver's. This speeds payment but still requires you to maintain the minimum limits to protect yourself from out‑of‑pocket costs.

Optional but Strongly Recommended Coverages

• Collision – pays for repairs to your vehicle after a collision.
• Comprehensive – covers non‑collision damage like theft, fire, or vandalism.
• Uninsured/Underinsured Motorist (UM/UIM) – protects you if the at‑fault driver lacks sufficient coverage.

UM/UIM Limits

Florida law allows up to $1,000,000 for bodily injury and $1,000,000 for property damage, but many insurers offer lower default limits. Choosing higher limits can reduce out‑of‑pocket expenses if a claim arises.

Additional State‑Specific Requirements

Florida mandates a $1,000 deductible for PIP claims. Drivers must also provide proof of insurance when requested by law enforcement. Failure to comply can result in a $500 fine, a suspended license, or a $1,000 civil penalty.

Vehicle Registration and Insurance

When registering a vehicle, the Department of Highway Safety and Motor Vehicles (DHSMV) requires proof of Florida‑approved insurance. If you move into Florida from another state, you have 30 days to provide this proof or face penalties.

How to Verify Your Policy Meets Florida Standards

Check that your policy lists the required PIP and PDL limits and that the insurer is authorized to do business in Florida. Review the policy document for a "Florida Minimum Coverage" clause. If you're unsure, call your insurer's customer service or consult the DHSMV website.

Tips for New Residents

1. Bring your out‑of‑state policy; it may transfer if it meets Florida minimums.2. If it doesn't, purchase a Florida‑approved policy within 30 days.3. Keep a printed or digital copy of the insurance card in your vehicle at all times.

Staying Compliant and Protecting Your Bottom Line

Regularly review your coverage limits, especially after major life events like buying a new car or changing employment status. Adjusting your policy to match your risk profile can save money and prevent surprises if an accident occurs.