Florida Car Insurance Minimum Requirements

Florida has no 25/50/25-style bodily injury requirement. A policy carrying at least $30,000 for combined property damage and bodily injury liability also satisfies the property damage rule.

Ordinary Florida drivers are not required to carry bodily injury liability coverage. It becomes mandatory only after a DUI conviction (§ 324.023) or as future proof of financial responsibility after a crash or an unsatisfied judgment under chapter 324.

§ 324.022(1) requires the ability to respond in damages for $10,000 of property damage in any one crash.

A policy that provides bodily injury liability coverage must include uninsured motorist coverage unless the named insured rejects it in writing on a form approved by the Office of Insurance Regulation (§ 627.727(1)).

Florida is a no-fault state. Every owner or registrant of a vehicle registered here must keep personal injury protection security in force continuously throughout the registration period (§ 627.733(1)).

$10,000 in medical and disability benefits plus $5,000 in death benefits. Medical benefits are limited to $2,500 if a qualified provider determines there was no emergency medical condition (§ 627.736(1)).