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What is the minimum car insurance required by law in Florida?

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What Florida law actually requires

Florida requires two coverages on your car insurance policy: $10,000 in Personal Injury Protection (PIP) and $10,000 in property damage liability (Fla. Stat. 627.733). Bodily injury liability — coverage that pays for injuries you cause to someone else — is not required for most drivers.

• PIP: $10,000
• Property damage liability: $10,000
• Bodily injury liability: optional, but strongly recommended

See Florida's own explanation from the Florida Department of Highway Safety and Motor Vehicles.

Why bodily injury coverage matters even though it's optional

Because Florida does not require bodily injury liability, some drivers drop it to save money. This guide does not recommend that. If you cause an accident that injures someone, you could be personally responsible for costs beyond your PIP coverage. Don't drop bodily injury liability without talking to your agent first.

Discounts Florida law says your insurer must give you

Two discounts are required by Florida law — but insurers won't apply them unless you ask:

• Defensive-driving course discount. If you complete an approved motor vehicle accident prevention course, your insurer must discount your premium. This must be offered to drivers 55 and older, and the discount lasts three years (Fla. Stat. 627.0652).
• Anti-theft and airbag discount. Insurers must discount your premium for approved anti-theft devices and for airbags or other passive restraints (Fla. Stat. 627.0653).

Ask your agent about both, and be ready to send your completion certificate or proof of the device.

Coverage that's optional — and worth a second look

Beyond the required minimums, most policies also include collision and comprehensive coverage, plus optional add-ons.

• If your car is paid off and older, collision and comprehensive may not be worth keeping if the car is worth less than about ten times your deductible.
• If your car is financed, the lender requires you to keep both — you can't drop them.
• Raising your deductible lowers your premium now, but raises what you pay out of pocket after a crash.
• Rental reimbursement and roadside assistance are optional extras, not required by law.

Compare coverage details at the Florida Office of Insurance Regulation.

What this guide doesn't know

This page doesn't know your premium, your car's value, or which discounts you already have. It can't tell you whether you're over-insured or under-insured — only your policy and your agent can. If you have questions, call Florida's insurance consumer helpline at 1-877-693-5236.

What to do next

The free tool reads the numbers straight from your own policy — your premium, coverages, cars and drivers — and shows you which required discounts you may be missing, which common discounts to ask about, and which coverages are worth a second look. Nothing you type is stored. This is not insurance advice; confirm any change with a licensed agent before you make it.

Auto Insurance Cutter FL explains Florida auto-insurance discounts and coverages in plain language; it can be wrong, and it is not insurance or financial advice. It does not recommend any insurer and does not promise savings. Confirm with a licensed agent or the Florida Department of Financial Services. Nothing you paste is stored.