What are the Florida minimum auto insurance coverage requirements?
Florida law requires residents of FL to have car insurance. You must purchase the minimum coverage amounts for both personal injury protection (PIP) insurance and property damage liability (PDL) car insurance.
Luckily, Florida offsets this coverage requirement by offering some of the lowest car insurance coverage minimums in the country.
FL Auto Insurance Requirements
Florida is a no-fault insurance state. If you are injured in an accident, your car insurance will pay your medical costs up to your policy’s limits, regardless of who caused the accident.
The minimum limits for Florida car insurance coverage are:
- $10,000 of no-fault or personal injury protection (PIP) insurance.
- $10,000 of property damage liability (PDL) insurance.
Personal Injury Protection
In addition to covering your part of any medical expenses and income loss that result from a car accident, your Personal Injury Protection, or PIP, insurance will also cover:
- Your child and other members of your household.
- Your child (when he or she is riding on a school bus).
- You (when you are a pedestrian or bicyclist involved in a car accident.)
- Passengers in your car who do not have their own PIP insurance and do not own a car.
Anyone in your car who has PIP car insurance will be covered by his or her own policy if you get in a car accident. Likewise, your PIP car insurance will cover you while you are a passenger in someone else’s car.
Property Damage Liability
Property Damage Liability (PDL) auto insurance in Florida will cover you for damages you cause in a car accident to someone else’s property, such as homes or buildings.
Violation Penalties and Fines
The Florida Department of Highway Safety and Motor Vehicles (DHSMV) requires your insurance company to electronically notify them if there is a cancellation of your insurance policy.
If the DHSMV has no record of your current car insurance policy, you will be notified by mail. The notification will give you a date of suspension. If you are not ableto provide the DHSMV a proof of insurance before the suspension date, your driver’s license, plates, and registration will all be suspended.
To reinstate these, you will have to provide proof of Florida insurance and pay a fee of:
- $150 for your first offense.
- $250 for your second offense.
- $500 for each offense after.
If you are able to provide proof of insurance to the DHSMV before the date of suspension, you will not face any penalties.
You can provide your proof of insurance:
If you no longer own the car, surrender your plates and registration to the Florida DHSMV to avoid suspension of your FL driver’s license.
Optional Car Insurance in Florida
While Florida law mandates the minimum amounts of coverage you must purchase, you always have the option of purchasing higher amounts of coverage on your property injury protection and property damage liability coverage.
Also, for those looking for more comprehensive coverage, most Florida car insurance companies will offer the following types of optional coverage:
- Comprehensive – This coverage will pay for damages to your car that do not result from accidents, e.g., scratches to your car’s paint due to vandalism.
- Collision – This coverage will pay for accident-related damages to your car.
- Towing and labor.
- Uninsured/underinsured motorist – This coverage will pay for damages incurred by incidents with drivers who do not have insurance.
- Rental car coverage.
NOTE: While comprehensive and collision coverage policies are not required by Florida law, your lender will require you to purchase both if you are financing your car.
Bodily Injury Liability
One of the major reasons that Florida requires no-fault car insurance is to protect FL drivers from being sued after an accident. However, if you get into an accident, there’s still a chance the victim(s) will sue you, especially if one or more victims suffers severe injury or if there is a fatality.
To help cover you in these cases, you can get Bodily Injury Liability (BIL) car insurance in Florida. If you have BIL coverage and you are found responsible for an accident, this coverage helps to pay for injuries to the victims of that accident, up to the coverage limits of the policy.
Bodily injury liability coverage will even help pay for the cost of a lawyer if you are sued after an accident.