Florida car insurance requirements
Every driver in Florida must carry at least this coverage. It’s a no-fault state: your own personal injury protection pays first for your injuries, whoever caused the crash.
| Coverage | Minimum required |
|---|---|
| Personal injury protection (PIP) | $10,000 |
| Property damage liability | $10,000 |
| Bodily injury liability | Not required for most drivers (can be required after certain crashes or violations) |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Florida drivers should know
- Florida is a no-fault state: your own PIP pays the first $10,000 of your injury costs, no matter who caused the crash.
- Lawmakers have proposed repealing no-fault and requiring bodily injury liability, but as of the 2026 legislative session no repeal has passed — the PIP requirement still applies.
- Because bodily injury liability isn’t required for most drivers, many people on the road carry little coverage. Bodily injury and uninsured motorist coverage protect you financially if you’re sued or hit by an underinsured driver.
Home insurance in Florida
- Hurricane risk shapes Florida home insurance. Policies usually carry a separate hurricane deductible, often a percentage of your home’s insured value.
- Florida law requires insurers to give discounts for qualifying wind-mitigation features such as roof straps, impact windows and shutters — a wind mitigation inspection can lower your premium.
- Citizens Property Insurance Corporation is the state-backed insurer for homeowners who can’t find private coverage. Flood insurance is always separate from home insurance.
Ways to save in Florida
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.