Minimum Auto Insurance Coverage Requirements in Florida

Florida's Statutory Minimums

Florida law mandates that every driver carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). No minimum for bodily injury liability (BIL) is required, but most insurers include a $10,000 BIL limit as part of a standard policy.

Personal Injury Protection (PIP)

PIP covers medical expenses, lost wages, and death benefits for you and your passengers, regardless of fault. The $10,000 limit applies per person per accident and is the only mandatory coverage in the state.

Property Damage Liability (PDL)

PDL pays for damage your vehicle causes to another person's property, typically another car. The required $10,000 limit is per accident and does not cover your own vehicle.

Optional but Common Add‑Ons

While not required, many Floridians add Bodily Injury Liability (BIL) to protect against lawsuits for injuries to others. Typical minimums offered are $10,000/$20,000 or $25,000/$50,000. Uninsured/Underinsured Motorist coverage, collision, and comprehensive are also popular for broader protection.

Choosing Adequate Coverage

Consider your driving habits, assets, and risk tolerance. If you own a home or have significant assets, higher BIL limits can shield you from costly judgments. For low‑risk drivers, the statutory $10k PIP and $10k PDL may suffice, but insurers often recommend at least $20k PIP to cover typical medical costs.

Summary Table