Florida Car Insurance Requirements (Updated for 2025)
In Florida, all drivers are legally required to carry a minimum amount of car insurance to register and operate a vehicle. As a no-fault state, Florida mandates Personal Injury Protection (PIP) coverage, which pays for your own medical expenses regardless of fault. Below are the updated requirements for 2025 and optional coverages to consider.
Looking for a different state’s insurance laws?
View all state requirements →
Minimum Car Insurance Coverage in Florida
As of 2025, the required minimum car insurance coverages in Florida are:
- Personal Injury Protection (PIP): $10,000
- Property Damage Liability (PDL): $10,000
Florida does not require Bodily Injury Liability coverage for all drivers, but it may be required after certain violations.
Optional Coverages to Consider
- Bodily Injury Liability
- Uninsured/Underinsured Motorist Coverage
- Comprehensive Coverage
- Collision Coverage
- Rental Car Reimbursement
- Roadside Assistance
If your vehicle is leased or financed, your lender will typically require full coverage.
Penalties for Driving Without Insurance
- License and registration suspension
- Reinstatement fees up to $500
- Possible impoundment of your vehicle
- Requirement to maintain proof of insurance (SR-22 or FR-44)
Proof of Insurance Requirements
Florida drivers must carry proof of insurance at all times and present it during traffic stops or accidents. Acceptable forms include:
- Printed insurance ID card
- Digital proof (e.g., via a mobile app)
- Electronic verification through Florida’s DMV system
Compare Auto Insurance Quotes in Florida
Insurance premiums in Florida can vary significantly based on your ZIP code, driving history, age, and vehicle. Use the quote tool below to compare offers from top-rated Florida insurance providers:
FAQs
Is Florida a no-fault state?
Yes. Florida is a no-fault state, meaning your PIP insurance covers your medical costs regardless of who causes the accident.
Is Bodily Injury Liability required in Florida?
Not for most drivers. However, it is required if you’ve been convicted of a DUI or are involved in serious accidents.
What is an FR-44 or SR-22 in Florida?
These are certificates of financial responsibility. Florida may require an SR-22 or the stricter FR-44 after certain violations to prove you carry the mandated insurance coverage.