State coverage guide
Florida Auto Insurance Requirements
Florida is a no-fault state built around personal injury protection (PIP). Notably, it does not require bodily injury liability for most drivers.
Written by
Marcus Reyes
Coverage Analyst · CPCU
Reviewed by
Priya Nadkarni
Managing Editor · Licensed P&C Agent
What Florida requires
Florida requires $10,000 in PIP and $10,000 in property damage liability. Uniquely, it does not require bodily injury liability for most drivers — which is exactly why carrying it anyway is strongly advised.
The FR-44 difference
After a DUI, Florida may require an FR-44 rather than an SR-22. The FR-44 demands substantially higher liability limits, so reinstatement can be more expensive than in other states.
Sources
Florida rates
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