Florida minimum car insurance
| Property damage | $10,000 property damage liability |
|---|---|
| Also note | $10,000 personal injury protection (PIP) is required. |
| Also note | Bodily injury liability is not part of the basic requirement for most drivers, but it can be required after certain crashes or violations. |
Checked on October 31, 2026. Requirements can change, so confirm current rules with the Florida Department of Highway Safety and Motor Vehicles. Minimum coverage is the legal floor, not a recommendation; many drivers choose higher limits.
What to check before comparing FL quotes
- Decide whether you want bodily injury liability even though the basic minimum does not require it.
- Compare PIP deductibles across quotes; they change the price and what you pay after a claim.
- Ask how each quote handles uninsured motorist coverage.
How to compare quotes fairly
Ask every company to quote the same liability limits, deductibles, drivers and vehicles. Then compare what is included, not only the monthly price.
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