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Auto Insurance 7:58
Florida's Auto Insurance Requirements Explained
Florida's no-fault PIP system, minimum liability limits, and why the state minimum often isn't enough — plus how to shop for better coverage without overpaying.
Key Takeaways
- Florida requires $10,000 PIP (Personal Injury Protection) and $10,000 PDL (Property Damage Liability).
- Florida is a no-fault state — your own PIP pays your medical bills regardless of who caused the accident.
- The state minimum does NOT include bodily injury liability — leaving you personally exposed.
- Uninsured/underinsured motorist coverage is critical in Florida, which has one of the highest uninsured driver rates.
Auto InsuranceFloridaPIPNo-FaultLiability
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