Florida Insurance › Requirements
Florida minimum liability: 0/0/10, plus $10,000 personal injury protection; no bodily injury liability required. Florida requires PIP and property damage liability only.
Florida requires liability coverage of at least $10,000 for property damage, plus $10,000 personal injury protection; no bodily injury liability required. Florida requires PIP and property damage liability only. A licensed agent confirms the current requirement when you buy.
The first is the most the policy pays for one person you injure, the second the most for everyone injured in one accident, and the third the most for damage to other people's property — each in thousands of dollars. The minimum protects other people, not your own car.
It is the least the law allows. A serious accident costs more than the minimum pays, and the difference comes from you. Most drivers with a car worth protecting choose standard or full coverage, which also covers their own vehicle.
ZIP code, vehicle year, make and model, the driver's date of birth and the coverage level. No name, phone or email is needed to see a price.
Five facts, no phone number to see a price, and up to 4 licensed agents only if you say yes. Start on the home page.
Minimums from https://www.carinsurance.com/Articles/minimum-liability-car-insurance-requirements-by-state.aspx, checked 2026-04-15. Laws change; a licensed agent confirms the current requirement.
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