Florida Car Insurance
Florida law requires residents of FL to have car insurance. You must purchase the minimum coverage amounts for both personal injury protection (PIP) insurance and property damage liability (PDL) car insurance.
Luckily, Florida offsets this coverage requirement by offering some of the lowest car insurance coverage minimums in the country.
Learn more about Florida’s car insurance requirements, the effects of traffic violations on premium costs, and how to get the best quotes on car insurance available.
FL Auto Insurance Requirements
Florida is a
no-fault insurance state. If you are injured in an accident, your car insurance will pay your medical costs up to your policy’s limits, regardless of who caused the accident.
minimum limits for Florida car insurance coverage are:
- $10,000 of no-fault or personal injury protection (PIP) insurance.
- $10,000 of property damage liability (PDL) insurance.
Personal Injury Protection
In addition to covering your part of any medical expenses and income loss that result from a car accident, your
Personal Injury Protection, or PIP, insurance will also cover:
- Your child and other members of your household.
- Your child (when he or she is riding on a school bus).
- You (when you are a pedestrian or bicyclist involved in a car accident.)
- Passengers in your car who do not have their own PIP insurance and do not own a car.
Anyone in your car who has PIP car insurance will be covered by his or her own policy if you get in a car accident. Likewise, your PIP car insurance will cover you while you are a passenger in someone else’s car.
Property Damage Liability
Property Damage Liability (PDL) auto insurance in Florida will cover you for damages you cause in a car accident to someone else’s property, such as homes or buildings.
Violation Penalties and Fines
Department of Highway Safety and Motor Vehicles (DHSMV) requires your insurance company to electronically notify them if there is a cancellation of your insurance policy.
If the DHSMV has
no record of your current car insurance policy, you will be notified by mail. The notification will give you a date of suspension. If you are not able to provide the DHSMV a proof of insurance before the suspension date, your driver’s license, plates, and registration will all be suspended.
reinstate these, you will have to provide proof of Florida insurance and pay a fee of:
- $150 for your first offense.
- $250 for your second offense.
- $500 for each offense after.
If you are able to provide proof of insurance to the DHSMV
before the date of suspension, you will not face any penalties.
You can provide your proof of insurance:
If you no longer own the car, surrender your plates and registration to the Florida DHSMV to avoid suspension of your FL