Minimum Car Insurance Required in Florida
The minimum car insurance required in Florida, penalties for driving uninsured, and whether the state minimum is enough coverage.
- Cited from NAIC & the Florida DOI
- Free — no obligation
- Licensed partners
Updated August 2026
Florida is a no-fault state: it requires $10,000 property-damage liability plus Personal Injury Protection, but does not mandate bodily-injury liability.
These limits exist to cover damage you cause to other people — they do not repair your own car or cover your own injuries. Florida is a no-fault state, so your own PIP pays your medical bills regardless of fault.
Driving without at least the required coverage in Florida can mean fines, license/registration suspension, reinstatement fees and SR-22 filing — and if you cause a crash while uninsured you are personally liable for the damage.
Because the minimum is only a floor, many Florida drivers step up to 100/300/100 and add collision/comprehensive if their car has value. The average Florida driver pays about $1,864/yr (NAIC, 2023). Verify the current limits directly with the Florida Department of Insurance before relying on them — laws change. Florida Dept. of Insurance →
Florida minimum car insurance FAQ
What is the minimum car insurance required in Florida?
As a no-fault state, Florida requires property-damage liability plus PIP; bodily-injury liability is not mandated. Minimums are the legal floor, not necessarily enough coverage.
What happens if I drive without insurance in Florida?
Penalties can include fines, suspension of your license and registration, reinstatement fees and an SR-22 requirement — plus personal liability for any crash you cause.
Is the state minimum enough coverage in Florida?
It is the legal minimum, not a recommendation. A single serious accident can exceed these limits, leaving you to pay the difference, so many drivers carry higher liability and add collision/comprehensive.