Florida's Minimum Coverage Limits
Florida requires every driver to carry liability insurance that covers bodily injury and property damage. The state's minimum limits are 10/20/5: $10,000 for bodily injury per person, $20,000 for bodily injury per accident, and $5,000 for property damage.
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Why Florida Sets These Specific Limits
These limits reflect the state's high traffic volumes, large vehicle fleet, and the cost of medical care in the region. They are designed to provide a baseline financial protection for victims while keeping premiums affordable for the average driver.
How Florida's Minimum Differs From Other States
Compared to states like California (15/30/5) or Texas (25/50/25), Florida's limits are lower for bodily injury but similar for property damage. States that require higher limits often have higher average claim costs or more stringent consumer protection laws.
Coverage Gaps and Why You Might Need More
Minimum limits may not cover the full cost of a serious accident. If you're injured or your vehicle is totaled, the $10/20/5 coverage can leave you with significant out‑of‑pocket expenses. Adding higher limits, uninsured motorist protection, and collision or comprehensive coverage reduces this risk.
How to Verify Your Coverage Meets the Minimum
Check your insurance card or policy document. Look for the liability section and confirm the numbers match or exceed 10/20/5. If unsure, contact your insurer or visit the Florida Department of Highway Safety and Motor Vehicles website for a list of approved carriers.
Penalties for Driving Without Minimum Coverage
Driving without the required coverage can result in a suspended license, fines up to $2,500, and mandatory insurance if you're found at fault. Insurance companies may also refuse to renew policies for uninsured drivers.