Florida · Personal auto insurance
Every driver in Florida must meet the state’s legal minimum. Below are the Florida requirements and what most drivers add for real protection.
$10,000 property damage (bodily injury liability not required for most drivers). Florida also requires: Personal injury protection $10,000. A serious crash can easily cost more than the minimum, and you are personally responsible for the difference.
The state minimum does not repair your own car. Collision pays for crash damage to your vehicle and comprehensive pays for theft, hail, flood, fire and animal strikes. If your car is financed or leased, the lender almost always requires both.
If Florida suspends your license, it may require proof of future financial responsibility, usually an SR-22 filed by your insurer or, for certain DUI cases, an FR-44 with higher limits. Your state notice says which form and for how long.
InsurixPro is an independent agency based in Atlanta, Georgia. Send a request with your drivers and vehicles. Whether we can quote a policy in Florida depends on licensing and carrier availability there, and we confirm that after reviewing your request.
Last updated 2026-10-27. Written by the InsurixPro Editorial Team. Laws change; confirm current requirements with the official regulator before you buy. This page is general information, not legal advice.
Helpful answers before you begin
$10,000 property damage (bodily injury liability not required for most drivers), plus personal injury protection $10,000.
No-fault: your own PIP pays first for injuries.
It meets the law, but it rarely covers a serious crash or your own car. Most drivers choose higher liability limits plus comprehensive and collision.
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