What Are the Minimum Car Insurance Requirements in Florida?

Florida requires every registered vehicle to carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). These two coverages form the bare legal minimum to drive in Florida, but they provide very limited financial protection.

What the minimums include

• PIP — $10,000: Pays 80% of your medical expenses and 60% of lost wages after an accident, regardless of fault, up to $10,000. You must seek treatment within 14 days.
• PDL — $10,000: Pays for property damage you cause to others in an accident, up to $10,000. This covers their vehicle, structures, and other property.

What the minimums do not include

Florida's minimums do not require bodily injury liability (BIL), collision coverage, comprehensive coverage, or uninsured motorist coverage. This means that with minimum coverage, if you seriously injure another driver, you have no insurance to pay their medical bills. If your car is damaged, you have no coverage for your own repairs. And if an uninsured driver hits you, you have no protection beyond your $10,000 PIP limit.

Why minimums are risky

• Medical costs outpace PIP quickly: A single emergency room visit can exceed $10,000. Serious injuries from a car accident can cost $50,000 to $500,000 in medical treatment. PIP runs out fast.
• Vehicle values exceed PDL: The average vehicle on the road today is worth far more than $10,000. One at-fault accident can leave you owing tens of thousands out of pocket.
• No protection for injuries you cause: Without bodily injury liability, you are personally liable for every dollar of medical expenses and lost wages you cause to others. A lawsuit from an injured party could devastate your finances.
• No defense against uninsured drivers: Florida has one of the highest uninsured driver rates in the nation. Without UM coverage, you are relying on PIP alone — which may not be enough.

What a better Florida auto policy looks like

A properly protective Florida auto policy includes bodily injury liability (at least 100/300), property damage liability (at least $50,000), PIP at the required $10,000, uninsured motorist coverage matching your BI limits, and collision and comprehensive if your vehicle has significant value.

What Truscott recommends

Meeting the minimum keeps you legal. It does not keep you protected. At Truscott, we build Florida auto policies that protect your health, your vehicle, and your financial future — not just check a box. Request a Truscott coverage review and we will show you what proper Florida auto coverage looks like and what it costs.