What car insurance does Florida law require?

State law requires at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL), from an insurance company authorized in Florida, according to Florida HSMV.

What is an FR-44 in Florida?

A filing that shows higher liability limits after a DUI conviction: $100,000 per person and $300,000 per crash for bodily injury, plus $50,000 for property damage. It must be kept for three years from reinstatement.

What happens if my car insurance lapses in Florida?

FLHSMV can suspend your driver license and license plate for up to three years. Reinstatement fees run up to $500.

Florida · Car insurance

Florida car insurance requirements

Florida requires vehicle owners to carry at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL). The coverage must come from an insurance company authorized in Florida and stay in force with no break while the vehicle is registered.

This page is general information, not legal or insurance advice. InsuranceFinder doesn’t sell insurance, give quotes or take applications.

Official page: Florida HSMV: Insurance requirements

Minimum coverage

Florida minimum coverage

Personal injury protection (PIP)

Minimum: $10,000

Property damage liability (PDL)

Minimum: $10,000

Florida minimum coverage
Coverage	Minimum
Personal injury protection (PIP)	$10,000
Property damage liability (PDL)	$10,000

PIP pays 80% of necessary and reasonable medical expenses from a covered injury, up to $10,000, no matter who caused the crash.

Taxis must carry $125,000 per person and $250,000 per incident of bodily injury liability, plus $50,000 of property damage liability.

Official page: Florida HSMV: Insurance requirements

Who must carry it

Owners of vehicles registered in Florida, with no break in coverage.
Non-residents who work in Florida, or who have children in Florida public schools, must register their vehicles in Florida within 10 days.
FLHSMV says to surrender your license plate before you cancel your coverage.

Official page: Florida HSMV: Insurance requirements

FR-44 and SR22 filings

After a DUI conviction (after Oct 1, 2007), Florida requires bodily injury liability of $100,000 per person and $300,000 per crash, plus $50,000 of property damage liability.
The insurance company files form FR-44 to show those limits. You must keep it for three years from the date your license is reinstated.
An SR22 is a filing that shows bodily injury and property damage liability coverage.

Official pages: Florida HSMV: DUI questions; Florida Statutes section 324.023; Florida HSMV: Insurance requirements

Penalties for a lapse in coverage

FLHSMV can suspend your driver license and license plate for up to three years.
A hardship license is not available for these suspensions.
Reinstatement fees run up to $500.

Official page: Florida HSMV: Insurance requirements

Questions about this page

What car insurance does Florida law require?: State law requires at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL), from an insurance company authorized in Florida, according to Florida HSMV.
What is an FR-44 in Florida?: A filing that shows higher liability limits after a DUI conviction: $100,000 per person and $300,000 per crash for bodily injury, plus $50,000 for property damage. It must be kept for three years from reinstatement.
What happens if my car insurance lapses in Florida?: FLHSMV can suspend your driver license and license plate for up to three years. Reinstatement fees run up to $500.