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Florida Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Florida mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times. Furthermore, drivers must submit proof of insurance before they can register their vehicle.

Florida Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Florida they are as follows:

  • Bodily Injury for One Person: $10,000
  • Bodily Injury for All Injuries: $20,000
  • Property Damage: $10,000

Florida Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Florida does not require it but does mandate all insurance companies offer policy-holders a written offer of Uninsured/Underinsured (UM/UIM) motorist coverage. They must also provide a declaration page, which indicates a driver has elected not to carry such coverage.

No Fault Insurance
Florida is not a no-fault state. Citizens are not required to carry Personal Injury Protection or comprehensive or collision coverage.