In Florida, all drivers are required to have two types of auto insurance coverage:

  • Personal Injury Protection (PIP): Florida is a “no-fault” state, which means your own insurance company will cover your medical expenses and lost wages regardless of who is at fault in an accident. The minimum PIP coverage required in Florida is $10,000.
  • Property Damage Liability (PDL): You must have a minimum of $10,000 in Property Damage Liability coverage, which covers damage to someone else’s property (e.g., their vehicle, a building, or a fence) if you are at fault in an accident.

These are the minimum auto insurance requirements to legally operate a vehicle in Florida. However, it’s important to note that these minimums may not provide adequate protection in the event of a severe accident.

Many drivers opt for higher coverage limits or additional types of coverage, such as Bodily Injury Liability (BIL), Uninsured/Underinsured Motorist coverage (UM/UIM), and Comprehensive/Collision coverage, to ensure they are adequately protected.

Before purchasing auto insurance in Florida, it’s a good idea to consider your individual needs and consult with an insurance agent to determine the best coverage for your situation. 

Additionally, it’s important to stay updated on any changes in Florida’s insurance requirements, as these regulations may evolve over time.

Current requirements may be verified through us or the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).

We would love the opportunity to discuss your insurance needs, please give our team a call at 941.205.0191 in Charlotte County or 239.552.4111 in Lee County.