Minimum Car Insurance in Florida

To register a vehicle with at least four wheels in Florida, the owner must carry at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL) from an insurer licensed in Florida (or hold a FLHSMV self-insurance certificate), and keep it continuously for the whole registration period even if the vehicle is not driven. PIP pays 80% of necessary and reasonable medical expenses up to $10,000 regardless of who caused the crash. Bodily injury liability is not required to register a private passenger vehicle, but under the Financial Responsibility Law an at-fault driver in a crash with injuries must have had bodily injury liability of $10,000 per person / $20,000 per crash (plus $10,000 PDL and $10,000 PIP); otherwise the driver must buy that coverage with an SR-22 filing for three years. Taxis must carry $125,000/$250,000 bodily injury and $50,000 property damage.

Florida is a no-fault state. Each owner's required PIP coverage ($10,000) pays the insured's own injury costs regardless of fault. A person covered by Florida's no-fault security may sue another driver for pain, suffering, mental anguish and inconvenience only if the injury involves significant and permanent loss of an important bodily function; permanent injury within a reasonable degree of medical probability (other than scarring or disfigurement); significant and permanent scarring or disfigurement; or death.

A policy that includes bodily injury liability coverage on a Florida vehicle must include uninsured motorist coverage unless a named insured rejects it in writing, on behalf of all insureds, on a form approved by the Office of Insurance Regulation; the coverage equals the bodily injury liability limits unless lower limits are selected in writing. After a rejection or lower selection, it need not be added at renewal unless requested in writing. Insurers must notify the named insured at least annually of the UM options. The requirement applies to policies that provide bodily injury liability coverage.