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What are Florida's minimum car insurance requirements?
What car insurance required by law in Florida? I’m new to the state and looking into purchasing car insurance. I know car insurance rates are really high here and there are so many different types. I’m clueless about where to start.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Each state has its own limits for minimum acceptable coverage. While
bodily injury coverage
is not required, Florida does require each person to carry a minimum of $10,000 in personal injury protection (PIP) and a minimum of $10,000 in property damage liability (PDL).- PIP is a form of no-fault coverage that ensures the driver’s medical payments will be covered in an accident.
- PDL covers the other person’s vehicle or property (like trees, buildings, etc.). These limits are, in part, based on the average amount required to pay for a claim.
That being said, one of the reasons that the premium rates in Florida are so high is due to lawsuits arising from accidents where drivers are not carrying enough coverage to pay for damages incurred, even though they are carrying what is required.
It is best to carry higher limits than these minimum requirements in order to avoid:
- Exhausting your coverage in the event of an accident
- Incurring significant out-of-pocket expenses
- Facing possible legal action
By shopping around with the
Jerry
app, you can access better coverage at an affordable rate. Jerry will provide you with competitive quotes in under a minute—and swapping is just as effortless. Jerry takes care of all the paperwork and phone calls and can even assist you in canceling your old policy!”View full answer
- Gregory R.
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