Florida Car Insurance Requirements: Complete 2025 Guide
Table of Contents
Did you know Florida has some of the most unique car insurance laws in the U.S.? Unlike most states, Florida doesn’t require bodily injury liability coverage. Instead, drivers must carry Personal Injury Protection (PIP) under the state’s no-fault insurance system. This creates major confusion—and serious financial risks—for drivers who only carry the minimum coverage. Many think they’re protected, only to find themselves personally responsible for hundreds of thousands of dollars in damages after a crash.
This guide explains Florida’s car insurance requirements, optional coverages, and how to avoid costly mistakes. You’ll also see how digital marketplaces can help you compare quotes faster and find better coverage.
Florida’s Unique Car Insurance Landscape
Florida is one of only two states (the other is New Hampshire) that does not require bodily injury liability insurance. Instead, it requires $10,000 in PIP coverage to pay medical bills and lost wages after an accident—no matter who was at fault.
In 2024, lawmakers updated PIP rules to reduce fraud and clarify what services are covered. At the same time, Florida faces high accident rates and 20% uninsured drivers, making proper coverage even more critical.
Mandatory Car Insurance Coverage in Florida
1. Personal Injury Protection (PIP) – $10,000
- Covers 80% of medical bills
- Covers 60% of lost wages
- Provides up to $5,000 in death benefits
⚠️ Limitations: Does not cover all costs, pain and suffering, or damage to your car.
2. Property Damage Liability (PDL) – $10,000
- Covers damage you cause to others’ property
- Does not cover your own car or injuries
Mandatory Coverage Table
The Coverage Gap: No Bodily Injury Liability
Florida doesn’t require Bodily Injury Liability (BI), leaving drivers at risk. If you cause a crash that injures someone, you could be personally responsible for six-figure medical bills and lawsuits.
Example:
- Medical bills: $125,000
- Lost wages: $80,000
- Pain & suffering: $150,000
- Total exposure: $355,000
Without BI coverage, you pay this out of pocket.
Optional Car Insurance Coverage in Florida
Smart drivers add optional coverage to fill gaps:
Understanding Florida’s No-Fault System
- PIP pays first, regardless of fault
- You can only sue if injuries are severe or permanent
- Property damage still works on a fault basis
Average Florida Car Insurance Premiums
- Miami-Dade: $2,800–$3,200
- Broward: $2,600–$3,000
- Orlando: $2,200–$2,600
- Tampa: $2,000–$2,400
- Rural North FL: $1,600–$2,000
Expert Coverage Recommendations
- Basic Protection: BI $50k/$100k, PDL $25k, UM $50k/$100k
- Enhanced: BI $100k/$300k, PDL $50k, UM $100k/$300k, Comp & Collision
FAQs
1. What car insurance is required in Florida?
Florida requires $10k PIP and $10k PDL—but not bodily injury liability.
2. Is Florida’s no-fault system still in effect?
Yes, but you can sue if injuries are severe (permanent disability, disfigurement, or death).
3. Should I buy more than the minimum?
Yes. Experts recommend at least $100k/$300k BI liability and UM coverage.
4. What’s the biggest risk of minimum coverage?
If you injure someone else, you could face unlimited personal liability.
Driving in Florida comes with a specific set of legal requirements and coverage options, from personal injury protection to uninsured motorist coverage. Whether you're new to the state or just reviewing your current policy, our guide to Florida car insurance will help you make an informed decision.
Get a
Florida Home Insurance
Quote
To see how Worth can reduce your risk.
Get a Free Quote
