Minimum Car Insurance Florida

Minimum Car Insurance Florida: What the Law Requires

If you’re a driver in the Sunshine State, knowing the minimum car insurance Florida requires is a must. Florida is unique compared to many other states, and not carrying the right coverage could land you in legal and financial trouble.

Florida’s Minimum Insurance Requirements

- Personal Injury Protection (PIP): $10,000 – Pays for your injuries, no matter who caused the accident.
- Property Damage Liability (PDL): $10,000 – Pays for damage you cause to someone else’s car or property.

That’s it—no bodily injury liability required for most drivers. However, if you’ve been convicted of certain violations, you may be required to carry it.

Why Minimum Coverage Isn’t Always Enough

While minimum coverage keeps you legal, it may not be enough:
- Serious accidents often cost more than $10,000.
- PIP only covers up to 80% of medical bills and 60% of lost wages.
- If damages exceed your limit, you’ll be responsible for the rest.

When to Stick with Minimum Coverage

Minimum coverage might be enough if:
- You drive an older car with low value.
- You don’t drive often.
- You need the cheapest possible option to stay legal.

When to Go Beyond Minimum Coverage

Consider full coverage if:
- You drive a newer or financed car.
- You commute daily in high-traffic areas.
- You want peace of mind against hurricanes, floods, or theft.

Final Thoughts

Minimum car insurance Florida may be the cheapest option, but it won’t fully protect you in every situation. Think carefully about your lifestyle and driving habits before choosing.

Learn Florida’s minimum car insurance requirements, what they cover, and whether basic coverage is enough for your needs.