How Much Auto Insurance Do I Need in Florida?

Florida is a no-fault state. You must carry Personal Injury Protection (PIP) and property damage liability. Bodily injury liability is not always required the same way as in other states - but driving without it is a serious financial gamble.

What Florida requires

Typical minimums include $10,000 in PIP and $10,000 in property damage liability. Confirm current figures with FLHSMV. PIP pays your medical bills (and some lost wages) after a crash regardless of fault, up to the limit - which is easy to exhaust in an ER visit.

More local context: Florida auto insurance guide.

What we recommend adding

• Bodily injury liability: 100/300 if possible. Florida has high uninsured-motorist rates; if you injure someone, PIP on their side will not pay your legal bill.
• Uninsured motorist: stacked vs non-stacked is a Florida-specific choice - ask the agent to explain both quotes.
• Collision/comprehensive: needed for financed cars and for hurricanes/flood/theft exposure.

Storms and comprehensive

Hail, flood, and wind claims are comprehensive (not collision). A higher comprehensive deductible can cut the premium, but only if you can pay it after a storm. Flooded cars are often total losses.