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Florida's required coverage is the reverse of most states. Instead of liability for injuries you cause, the state requires $10,000 in personal injury protection and $10,000 in property damage liability. PIP pays your own medical costs and part of lost income regardless of fault, but bodily injury liability is not required for most drivers, so a bare-minimum policy typically would not pay if you injure someone else. Bills to change this have been introduced but, as of 2026, have not become law.
The consequences of a lapse come through the licensing system. FLHSMV can suspend the license and registration of a driver without the required coverage, with a reinstatement fee of $150, $250 or $500 depending on the case. Drivers convicted of DUI face a much stricter standard: an FR-44 certificate showing $100,000/$300,000 bodily injury and $50,000 property damage liability for three years. Hurricanes, flooding and heavy tourist traffic make comprehensive and collision coverage a practical concern, particularly for financed vehicles, even though neither is required by the state. Insurers' use of credit is regulated by Florida Statute 626.9741.
| Minimum liability | No BI required; $10,000 PD |
|---|---|
| Other required coverage | Personal injury protection (PIP): $10,000; Property damage liability (PDL): $10,000 |
| Fault system | No-fault |
| Credit-based insurance scores | Restricted |
| SR-22 / proof of financial responsibility | Florida uses an FR-44 after a DUI conviction: bodily injury liability of $100,000 per person and $300,000 per accident plus $50,000 property damage (or $350,000 combined), kept for three years from reinstatement. |
Florida minimum liability limits
To register and drive a car in Florida you need at least this much liability coverage:
The legal minimum in Florida is No BI required; $10,000 PD.
Florida does not require bodily injury liability for most drivers, so a minimum policy generally would not pay for injuries you cause to other people. DUI convictions require much higher limits through an FR-44.
Tip: The minimum is a legal floor, not a recommendation. If a serious crash costs more than your limits, you could be personally responsible for the rest. See how much liability coverage you may need.
Other required and offered coverage
Besides liability, Florida requires:
- Personal injury protection (PIP): $10,000
- Property damage liability (PDL): $10,000
Learn more about uninsured motorist coverage and personal injury protection.
Is Florida a no-fault state?
Florida is a no-fault state. After most crashes, your own personal injury protection (PIP) pays your medical bills and some lost income first, whoever caused the accident. You can usually step outside the no-fault system and claim against the other driver only if injuries pass a legal threshold.
Florida's no-fault law has your own PIP pay a first share of your medical costs regardless of fault. For negligence lawsuits, Florida uses modified comparative negligence, under which a plaintiff more than 50 percent at fault cannot recover.
Read more: at-fault vs. no-fault states explained.
Can insurers use your credit in Florida?
Status: Restricted. Florida Statute 626.9741 regulates insurers' use of credit: no adverse decision based solely on credit, specific reasons for adverse actions, protections for divorce or job loss, and periodic re-review at least every two years or on request.
See how credit affects car insurance for the bigger picture.
Penalties for driving uninsured in Florida
Failing to maintain the required PIP and PDL coverage can lead to suspension of the driver license and registration and a reinstatement fee of $150 to $500. You can clear a case by providing proof of current coverage or a non-owner affidavit and paying the applicable fee.
Florida uses an FR-44 after a DUI conviction: bodily injury liability of $100,000 per person and $300,000 per accident plus $50,000 property damage (or $350,000 combined), kept for three years from reinstatement.
If you are ordered to file proof of insurance, see what SR-22 insurance is.
Tips for Florida drivers
- Consider whether a policy with only PIP and PDL meets your needs. It would not pay for injuries you cause to others, so a serious crash could leave you personally responsible.
- If you are asked for proof of coverage after a crash, the department requires PIP and PDL. Without them, an owner may have to surrender the plate and registration or post security.
- Ask about bodily injury liability even though it is optional for most drivers. It is the coverage that responds to injury claims against you.
- Hurricane season matters for comprehensive coverage. Ask about any separate hurricane or windstorm deductible and keep records before storms.
- If you need an FR-44 after a DUI, ask insurers whether they file one before shopping, and plan to keep it for the full three years from reinstatement.
- After a suspension for no insurance, you can clear the case with proof of current coverage or a non-owner affidavit and a reinstatement fee, which varies by case.
When you shop, compare quotes from several insurers using the same limits and deductibles, so the prices are like-for-like.
Official resources
- Insurance regulator: Florida Office of Insurance Regulation
- Motor vehicle agency: Florida Highway Safety and Motor Vehicles
Your state insurance department can answer questions about your rights and handle complaints about insurers.
Frequently asked questions
What insurance is required in Florida?
Florida's No-Fault Law requires registered vehicles to carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL) throughout the registration period. Bodily injury liability is not required for most drivers. That means a minimum policy generally would not pay for injuries you cause to someone else.
What is an FR-44 in Florida?
An FR-44 is a certificate of financial responsibility required after a DUI conviction. It must show bodily injury liability of $100,000 per person and $300,000 per accident and property damage liability of $50,000, or $350,000 combined. The driver must maintain it for three years from the date driving privileges are reinstated.
What happens if I let my insurance lapse in Florida?
Failure to keep the required insurance can result in suspension of your driver license and registration. FLHSMV lists a reinstatement fee of $150 to $500 depending on the circumstances. You can clear the case by providing proof of current PIP and PDL coverage, or a non-owner affidavit, and paying the applicable reinstatement fee.
Is Florida a no-fault state?
Yes. Florida is a no-fault state, so your own PIP coverage pays a first share of your medical costs regardless of who caused the crash. Negligence claims for serious injuries are still possible. Florida also uses modified comparative negligence for lawsuits, so a plaintiff found more than 50 percent at fault cannot recover damages.
Can Florida insurers use my credit for auto insurance?
Yes, but Florida Statute 626.9741 limits how. Insurers must disclose that they are requesting credit information, may not make an adverse decision based solely on credit, must give specific reasons for adverse actions, and must review credit affected by events such as divorce or job loss on request. Credit reviews cannot be used to cancel existing policyholders.
Sources
- FLHSMV – Uninsured Motorist Rate
- FLHSMV – Procedures Manual for Implementation of the Florida Motor Vehicle No-Fault Law
- FLHSMV – Involved in a Crash?
- Florida Legislature – Florida Statutes 626.9741
- NAIC – Use of Credit Reports/Scoring in Underwriting (state chart, Summer 2025)
General information only. State rules change. Confirm current requirements with the Florida Office of Insurance Regulation or your insurer before you buy. This page is not insurance or legal advice.