Florida requires $10,000 of personal injury protection and $10,000 of property damage liability. Bodily injury liability isn't required for most drivers, but 10/20 is required after certain at-fault crashes or a DUI.
Is Florida a no-fault state?
Yes. After an accident in Florida, your own personal injury protection (PIP) pays your medical bills first, no matter who caused the crash; the required minimum is $10,000. Lawsuits against the other driver are limited to more serious injuries.
Is the state minimum enough?
For most drivers, no. Hospital bills from a single serious crash can pass $50,000 quickly, and anything above your limits can come out of your own pocket. A common recommendation is 100/300/100 liability, plus:
- Collision: repairs your own car after an accident, whoever is at fault.
- Comprehensive: theft, hail, flooding, fire and hitting an animal.
- Uninsured/underinsured motorist: protects you when the other driver has little or no insurance.
- Roadside assistance and rental reimbursement: inexpensive extras that help when your car is in the shop.
Insurance doesn't cover mechanical breakdowns. For engine, transmission or electrical failures, see what common repairs cost and how a vehicle service contract can help.
How to lower your car insurance in Florida
- Compare quotes from several companies. Prices for the same driver can vary by hundreds of dollars a year.
- Raise your collision and comprehensive deductibles if you have savings to cover them.
- Ask about discounts: bundling home and auto, safe driver, good student, paying in full and paperless billing.
- Keep continuous coverage. A gap, even a short one, usually raises your price.
- Review your coverage every year, especially after paying off a car loan.