Florida Insurance Requirements

yes

Source: Florida Driver License Handbook (rev. 08/2023), Chapter 3: Your Driving Privilege, p. 23 (Insurance Laws, No-Fault Law) · Verified Aug 2026

Not required for basic policy (Florida is a no-fault state)

Source: Florida Driver License Handbook (rev. 08/2023), Chapter 3: Your Driving Privilege, pp. 23-24 (No-Fault Law, Financial Responsibility Law) · Verified Aug 2026

Not required for basic policy (Florida is a no-fault state)

Source: Florida Driver License Handbook (rev. 08/2023), Chapter 3: Your Driving Privilege, pp. 23-24 (No-Fault Law, Financial Responsibility Law) · Verified Aug 2026

$10,000

Source: Florida Driver License Handbook (rev. 08/2023), Chapter 3: Your Driving Privilege, p. 23 (No-Fault Law) · Verified Aug 2026

Florida is a no-fault state: before registering a car you must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage, with a minimum of $10,000 in PIP and a minimum of $10,000 in PDL. Bodily-injury liability is not part of the basic required policy.

Source: Florida Driver License Handbook, Insurance Laws (No-Fault Law) · Verified Aug 2026

no

Source: s. 627.727(1), Florida Statutes, requires uninsured motorist coverage to be included in a policy that provides bodily injury liability coverage, but expressly allows the named insured to reject it in writing. Florida also does not require bodily injury liability coverage of an ordinary driver at registration, which requires PIP and property damage liability only. So UM coverage is offered, not required. · Verified Aug 2026

Florida uses two filings, and the one most people have heard of is not the one a DUI triggers. After a DUI conviction Florida requires the higher FR-44 limits: $100,000 for bodily injury to one person, $300,000 for bodily injury in one crash, and $50,000 for property damage, well above the ordinary $10,000 PIP and $10,000 property damage a registration needs. That proof must be kept in force for three years. The SR-22 filing covers the other cases: a license or registration suspended for failing to satisfy a judgment, for driving uninsured, or under the department’s other financial-responsibility grounds. Either way the filing is your insurer certifying coverage to FLHSMV, and letting it lapse suspends you again.

Source: s. 324.023, Florida Statutes: anyone found guilty of, or pleading guilty or nolo contendere to, DUI under s. 316.193 after October 1, 2007 must maintain $100,000/$300,000 bodily injury and $50,000 property damage. s. 324.131 sets the duration: proof "to be maintained for 3 years", and adds the s. 627.7275(2) coverage duty for a suspension under s. 316.193 or s. 322.26(2). The general proof requirement and its methods are ss. 324.031 and 324.072. The Florida Driver License Handbook (rev. 08/2023), Chapter 3, p. 24, describes the higher coverage requirement but does not name either form. · Verified Aug 2026