Minimum Car Insurance Requirements in Florida (2026)

Legal
2026-03-18

Minimum Car Insurance Requirements Florida PIP PDL Florida law requires drivers to carry minimum insurance coverage.

Here’s what you need to know.

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Minimum Coverage in Florida

  • $10,000 Personal Injury Protection (PIP)
  • $10,000 Property Damage Liability (PDL)

What Is Not Required?

Florida does NOT require:

  • Bodily injury liability (in most cases)

Why Minimum Coverage Is Not Enough

Minimum coverage may leave you exposed financially.

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Recommended Coverage

Experts suggest:

  • $100K liability coverage
  • Comprehensive insurance

Final Advice

Always compare plans before choosing your policy.

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