Florida

Auto Insurance Minimum Requirements

10000 PIP / 10000 PDL

Liability Limits

Yes

No-Fault

$10,000

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)N/A

Bodily Injury (per accident)N/A

Property Damage$10,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredYes — $10,000 minimum

No-Fault StateYes

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2007-10-01

Important Notes

Florida has a highly unique minimum standard: standard registration requires only $10,000 PIP and $10,000 Property Damage Liability (PDL). Bodily injury liability is not broadly required for registration but becomes a mandatory retrofitted obligation (10/20 minimum) under the Financial Responsibility Law after an at-fault injury collision.

Uninsured / Underinsured Motorist

UM bodily injury must be offered if a policyholder elects to buy optional Bodily Injury coverage.

SR-22 Filings

SR-22 is used for basic infractions. An FR-44 filing (requiring 100/300/50 liability limits) is mandatory for DUI convictions.

Alternatives to Insurance

Certificate of self-insurance from the DHSMV or a surety cash deposit under strict financial criteria.

Official Source

Florida Department of Highway Safety and Motor Vehicles

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.