What Does Florida Car Insurance Really Cover in 2025?
Florida’s car insurance laws are unlike any other state — and they may not stay this way for long. While most Florida drivers are familiar with the state’s “no-fault” system and $10,000 PIP requirement, very few understand what it actually covers — or how exposed they really are after an accident. This in-depth guide breaks down the current laws, what Florida car insurance includes (and what it leaves out), and why lawmakers keep trying to change it.
Table of Contents
Florida’s Current Minimum Coverage
To legally register and drive a vehicle in Florida, you must carry at least:
- $10,000 in Personal Injury Protection (PIP)
- $10,000 in Property Damage Liability (PDL)
This basic policy satisfies Florida’s “no-fault” insurance law, but it doesn’t guarantee you’re protected — especially in a serious accident.
How Florida PIP Insurance Works
Personal Injury Protection (PIP) is designed to pay for your medical expenses and lost wages after a crash, regardless of who caused it. However, PIP only pays:
- 80% of necessary medical expenses
- 60% of lost wages
- Only up to $10,000 total
And if your injuries are not classified as an “emergency medical condition,” your coverage may be limited to just $2,500.
Many drivers mistakenly believe this protects them in full. In reality, you’re on the hook for the remaining 20% of medical bills, 40% of lost wages, and anything beyond the $10,000 cap.
What the State Minimum Leaves Out
Florida’s required coverage does not include:
- No coverage for injuring someone else (Bodily Injury Liability is not required)
- No coverage for your own car damage (Collision not included)
- No protection if an uninsured driver hits you
- No rental, towing, or legal defense coverage
And because Florida does not require Bodily Injury Liability for most drivers, you could be sued personally for tens or even hundreds of thousands of dollars after a serious crash.
Visit our Florida Car Insurance Requirements page for a full breakdown of what’s currently required by law.
Why Florida Keeps Trying to Repeal No-Fault
Florida is one of only a few states that still use a no-fault insurance system, and it has become a target of repeated reform attempts. Lawmakers have filed bills to repeal PIP in nearly every legislative session for over a decade.
What Would Replace PIP?
Most proposed bills would eliminate PIP and instead require drivers to carry Bodily Injury Liability coverage — usually at least $25,000 per person and $50,000 per accident. This system would shift financial responsibility to the at-fault driver, as is the case in most other states.
Why Hasn’t It Passed?
Despite bipartisan support, efforts to repeal no-fault have failed due to disagreements over:
- How to set the new minimum liability limits
- Whether to keep PIP as optional coverage
- Lobbying pressure from insurers and medical providers
The most recent effort, Senate Bill 54 (vetoed in 2021), would have eliminated PIP and required $25,000 in bodily injury coverage. The governor cited concerns over rate increases. As of 2025, Florida’s no-fault system remains in place — but the push for change is far from over.
For updates on legislative efforts, visit the Florida Senate website.
Optional Coverage That Actually Protects You
If you’re relying only on the state minimum, consider these add-ons:
- Bodily Injury Liability (BIL): Covers medical costs for others if you cause a crash
- Uninsured Motorist (UM): Protects you if you’re hit by an uninsured or hit-and-run driver
- Collision: Pays to repair your own vehicle after an accident
- Comprehensive: Covers theft, weather damage, vandalism, and more
- Rental Reimbursement & Towing: Helps keep you moving if your car is out of service
Want to compare Florida’s rules to other states? See our page: Car Insurance Requirements by State.
Florida Car Insurance FAQs
Is Florida a no-fault state in 2025?
Yes. As of 2025, Florida still requires PIP under its no-fault system, though there is ongoing discussion about reform.
What happens if PIP is repealed?
If PIP is eliminated, drivers would likely need to carry Bodily Injury Liability instead. This could change how claims are filed and who pays after an accident.
Does Florida require Bodily Injury Liability?
Not currently, unless you’ve been involved in certain serious violations or crashes. Most drivers still don’t carry it — even though they should.
Where can I check my insurance status or get official information?
You can visit the official state site: flhsmv.gov/insurance
Did You Know? Florida has one of the highest rates of uninsured drivers in the country. Adding uninsured motorist coverage can protect you from paying out-of-pocket after a hit-and-run or uninsured accident.
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