Many states require their drivers to have auto insurance, and Florida is one of those states. What is the state minimum car insurance you need in Florida? Let’s find out!

Florida’s State Minimum Car Insurance

Insurance coverage for your rental carThe minimum car insurance required in Florida consists of two different types of protection. These are Property Damage Liability (PDL) and Personal Injury Protection (PIP).


When you get the minimum in PDL insurance, you get up to $10,000 of property damage per car accident. This type of coverage pays the other party for their property damage when you are at fault. However, if you are not at fault, their PDL insurance should pay for your vehicle repairs.


Moving on to PIP coverage. This coverage is for your medical expenses regardless of who is at fault for the accident. That is why this coverage is also known as the Florida no-fault coverage. The basic PIP insurance will pay 80% of your medical expenses up to a cap of $10,000 per car crash. The PIP coverage also includes disability benefits for lost income and death benefits if an insured person dies in an accident.

As you can see, the minimum state car insurance in Florida is relatively easy to understand. There are only two requirements if you are a responsible driver and you haven’t been asked to carry extra coverage. The PDL and PIP insurance will cover your minimum requirement to help you stay legal as you drive in Florida.

Additional Car Insurance Coverage in Florida

Now that we have discussed the minimum car insurance, we can also tell you about other coverage options. These options are not required in Florida, but they might be something you want to consider for yourself or your family. Extra car insurance coverage can include:

  • Additional PIP – Remember from above, the minimum car insurance coverage includes $10,000 in personal injury protection. However, if you want extra coverage, you can get additional PIP insurance.
  • Bodily Injury Liability (BIL) – This insurance pays for the other party’s medical expenses if you are at-fault for an accident. If you are looking into the Bodily Injury Liability insurance, you can choose from the option of $10,000 per injured person or $20,000 for two or more injured people. You also may be able to higher limits if you are interested.
  • Medical Payments – This form of additional insurance is separate from the PIP and Additional PIP insurance. It covers medical bills for yourself and your relatives that live with you. If you were to have significant medical expenses that the PIP would not fully cover, the medical payments would be able to help out you and your family.
  • Uninsured Motorist Bodily Injury – The last form of additional insurance is Uninsured Motorist Bodily Injury. As you know, car insurance is required in Florida, but some drivers drive illegally without insurance. This insurance keeps you protected if you were to be hit by an uninsured driver. It would cover your bodily injury as well as any lost income you may incur.

Do You Need More than the Minimum State Car Insurance?

Florida state minimum car insuranceAbove we have discussed both the minimum car insurance requirements for the state of Florida and the additional benefits you may want to add for car insurance. Now, you may be wondering how much car insurance you want to have. How do you know if you want to add some of the additional insurance options? When does it make sense to get more than the minimum coverage? Let’s talk through some of this.

The minimum car insurance will keep you legal to be driving in Florida because it is required to be insured. However, you may decide you want more than just the minimum coverage. If you are involved in a vehicle accident, and it costs more than your insurance covers, you have to pay for that out of your pocket. Whether it is medical bills or car repairs that exceeded the minimum coverage, you will be paying. If you want to protect yourself from that, you may want extra insurance coverage.

For many people, they already have health insurance and disability insurance through their employer, so they do not need a lot of additional PIP insurance. However, if your healthcare options are not that great, this is something you may want to add.

Another thing to think about with additional insurance is the Uninsured Motorist protection. This is often something people add to their car insurance because it covers them if someone doesn’t have insurance. It is not usually too costly to add, but it can save you from paying costs that your insurance won’t want to cover otherwise.

We know that car insurance and the requirements can sometimes seem overwhelming, but we hope this explanation helped. For more information, give us a call. We can help you get the car insurance coverage you need right away! Learn more here.