Florida is a no-fault state with famously low minimums. Here is what the law actually requires, and where those minimums leave you exposed.
What Florida requires
Two coverages: $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL). PIP pays your own medical costs regardless of fault, up to the limit; PDL pays for damage you cause to others' property. Notably, Florida does not require Bodily Injury Liability for most drivers.
Why the minimums aren't enough
$10,000 in PIP barely covers a real emergency-room visit. And without Bodily Injury Liability, if you cause a serious-injury crash, you can be personally on the hook — putting your license and assets at risk. Most drivers should carry Bodily Injury Liability.
Coverage worth adding
- Bodily Injury Liability — protects you if you injure someone.
- Uninsured/Underinsured Motorist — important given how many Florida drivers are uninsured.
- Collision & Comprehensive — for your own car; required if it's financed.
- A personal umbrella — liability above your auto limits.
The no-fault basics
After most crashes, your own PIP pays first regardless of fault. You can step outside no-fault to sue the other driver only if the injuries meet a serious-injury threshold.
Frequently asked questions
What's the minimum car insurance in Florida?
$10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Bodily Injury Liability is not required for most drivers.
Is bodily injury liability required in Florida?
Not for most drivers, but it's strongly recommended. Without it, you can be personally responsible for injuries you cause in a crash.
Do I need uninsured motorist coverage?
It's optional but wise in Florida, where many drivers are uninsured or underinsured. It pays for your injuries when the at-fault driver can't.
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