Auto Insurance Minimum Requirements
Florida does not impose compulsory minimum liability insurance requirements, making it one of the few states where drivers are not legally required to carry auto insurance. However, drivers remain financially responsible for any damages they cause. Florida is a no-fault state. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is required at a minimum of $10,000.
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.
Fine
Reinstatement fees $150–$500
License / Registration
Suspension: Yes
SR-22 Required After
No
What is the minimum car insurance required in Florida?
Florida does not require minimum liability insurance by law, but drivers remain financially responsible for damages they cause. It is strongly recommended to carry coverage.
Is Florida a no-fault state?
Yes, Florida is a no-fault state. Drivers file injury claims with their own insurance regardless of who caused the accident. PIP coverage pays for medical expenses up to policy limits.
Is uninsured motorist coverage required in Florida?
Uninsured motorist coverage is not required in Florida, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Florida?
Driving without insurance in Florida can result in fines of Reinstatement fees $150–$500 and license/registration suspension.
Do I need an SR-22 in Florida?
SR-22 filings are used in Florida for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. SR-22 is used for basic infractions. An FR-44 filing (requiring 100/300/50 liability limits) is mandatory for DUI convictions.
What does 10000 PIP / 10000 PDL mean in Florida?
Florida does not mandate specific liability limits. If you carry liability coverage, the limits represent dollars per person for bodily injury, dollars per accident for bodily injury, and dollars for property damage.
Official Source
Florida Department of Highway Safety and Motor Vehicles
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.