Florida Auto Insurance Requirements in 2023

Florida’s auto insurance requirements are among the most minimal in the country. Yet nearly 1 in 5 Florida drivers were uninsured in 2019, according to a 2021 study by the Insurance Research Council[0].

Here’s what you need to know about auto insurance requirements in Florida, and why you may want more than just the bare minimum.

What are Florida’s auto insurance requirements?

If you’re a Florida resident, you must meet these minimum auto insurance requirements to drive:

$10,000 in property damage liability insurance.

$10,000 in personal injury protection, or PIP, insurance.

Let’s break down what each of these mean.

Florida’s property damage liability insurance

Property damage liability insurance pays to repair or replace other people’s property in a car accident you cause, whether that’s another person’s car, a guardrail or your neighbor’s prized mango tree.

In Florida, the minimum property damage liability coverage needed to drive is $10,000. This means that your…

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This article was written by Ryan Brady and originally published on www.nerdwallet.com