The minimum car insurance required in Florida includes two types of coverage:
- Personal Injury Protection (PIP) with a minimum of $10,000 coverage. This covers 80% of necessary and reasonable medical expenses up to $10,000 regardless of who caused the accident and also pays for lost wages and related expenses.
- Property Damage Liability (PDL) with a minimum of $10,000 coverage. This covers damages you cause to other people's property, such as vehicles, fences, or buildings.
Florida is a no-fault state, so the PIP coverage ensures medical expenses are covered regardless of fault. Both PIP and PDL insurance must be maintained continuously to register and legally drive a vehicle in Florida. While these are the minimum legal requirements, experts recommend having higher coverage limits to better protect yourself financially in case of an accident. Additionally, starting July 1, 2026, new laws will increase the minimum bodily injury liability coverage requirements to $25,000 per person and $50,000 per accident, but the minimum PDL coverage will remain $10,000. In summary, for 2025 the minimum car insurance in Florida is:
- $10,000 Personal Injury Protection (PIP)
- $10,000 Property Damage Liability (PDL)
With recommended higher coverage to ensure adequate protection beyond the minimums. This applies to all vehicles registered in Florida and must be maintained continuously even if the vehicle is not driven.
