Florida Car Insurance Laws

June 20, 2022 - 5:57 pm - 4 min read

Minimum Car Insurance Coverage in Florida

As one of the many states in the United States, Florida has specific requirements for car insurance coverage that drivers must have to operate any motor vehicle on the road. A car insurance policy is a contract between you, the driver, and your insurance company. It provides you with financial protection in the event of an accident, theft, or any damage caused to your vehicle. In Florida, drivers must have at least the minimum required insurance coverage, including Property Damage Liability (PDL) and Personal Injury Protection (PIP). PIP is also known as Florida No-Fault Insurance.

In Florida, the minimum PDL insurance coverage is $10,000, while the minimum PIP insurance coverage is $10,000. Personal Injury Protection covers up to 80% of medical bills, along with 60% of any wages lost during recovery. The minimum requirements for car insurance in Florida are some of the lowest in the country. As a driver in Florida, it is essential to carry comprehensive insurance coverage that meets these requirements.

Penalties for Driving without Car Insurance in Florida

Driving without car insurance in Florida is illegal. In case of an accident, if you are found driving without car insurance, you may face penalties such as suspension of your license, hefty fines, and jail time. The police may also impound your vehicle.

The first offense for driving without insurance in Florida can result in a fine of $150-$500 and a possible suspension of your driver’s license, registration, and plates. If you have been caught driving without insurance in Florida three or more times, the state may revoke your license and registration. In Florida, drivers must carry their proof of insurance with them at all times; failure to produce proof of insurance on request can result in penalties.

Optional Car Insurance Coverage in Florida

While Florida state law only requires minimum PIP and PDL coverage, additional insurance coverage may be necessary for some drivers. Optional car insurance coverage in Florida includes:

It is also worth considering higher-than-minimum policy limits, as medical bills and damages from accidents can exceed the minimum requirements.

Factors that Affect Car Insurance Rates in Florida

Various factors such as age, gender, credit score, driving record, and location can affect car insurance rates in Florida. Florida has one of the highest average insurance rates in the United States, with an average of $2,329 per year. The following factors are the most significant contributors to this rate:


As a driver in Florida, it is essential to have at least the minimum required insurance coverage. In case of an accident, lack of insurance coverage can result in hefty fines, suspension of driver’s license, and possible imprisonment. While Florida law only requires minimum coverage, drivers should consider additional coverage depending on specific circumstances. Insurance premiums in Florida can be high, but it is possible to find affordable rates by shopping around and taking other steps to improve one’s driving history and credit score. It is always best to consult a licensed insurance agent to understand the coverage options and the most reasonable rates that best suit your needs.


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