Auto insurance requirements in Florida
Here's the minimum coverage Florida requires to drive legally — and what those numbers actually mean.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | Not required for most drivers |
| Property damage | $10,000 |
| Personal injury protection | Required |
No bodily injury liability is required for most drivers — Florida requires only $10,000 in property damage liability plus $10,000 in PIP.
Verified July 2026.
Requirements change. Confirm with your state's insurance department before making decisions.
What these numbers mean
Liability minimums are usually written as three numbers, like 25/50/25. The first is the most your insurer pays for one person's injuries, the second is the total it pays for everyone's injuries in a single accident, and the third covers damage you cause to other people's property.
Is the minimum enough?
The minimum keeps you legal, and for some drivers — an older car, few assets to protect, a tight budget — it can be a reasonable starting point.
That said, a serious accident can cost more than these limits, and anything above them comes out of your own pocket. Higher liability limits often cost less than people expect, so it's worth comparing a minimum policy against one with more room.
Florida uses a no-fault system: after an accident, your own personal injury protection (PIP) pays your medical bills first, no matter who caused it. Lawsuits over injuries are limited to more serious cases, which is why PIP is part of the required coverage here.