Florida's minimum auto insurance requirement is $10,000 of PIP and $10,000 of property damage liability. That's it. No bodily injury liability, no uninsured motorist coverage, nothing for your own vehicle.
A policy at those limits is legal and almost always inadequate. The question worth answering isn't "what's required" — it's "what happens to me financially in a bad crash?"
Key takeaways
- Florida's minimum includes no bodily injury liability at all — buy it anyway.
- 100/300 bodily injury is a reasonable floor for households with assets.
- Match uninsured motorist limits to your liability limits.
- Raise property damage liability above $10,000; it's inexpensive.
Start with bodily injury liability
Bodily injury liability pays for injuries you cause to other people. It is the coverage standing between an at-fault crash and your savings, your home equity, and in some cases your wages.
Limits are written as two numbers — for example 100/300, meaning $100,000 per injured person and $300,000 per accident. For most Southwest Florida households with a home and some savings, 100/300 is a sensible floor, and stepping up from 50/100 to 100/300 usually costs far less than people expect.
Then add uninsured/underinsured motorist
Because Florida doesn't require bodily injury liability, a meaningful share of the drivers around you have nothing to pay your injury claim with. Uninsured/underinsured motorist coverage (UM/UIM) steps into that gap and covers your injuries when the at-fault driver can't.
It is optional in Florida, and it's the coverage we most often see missing from policies people bring us. As a rule of thumb, match your UM limits to your bodily injury limits — the exposure is the same size.
Property damage liability: $10,000 doesn't go far
Ten thousand dollars is roughly a bumper, a quarter panel and a sensor package on a late-model vehicle. If you rear-end a new SUV, you can exceed the state minimum without anyone being injured.
Moving property damage liability to $50,000 or $100,000 is one of the cheapest upgrades on the policy.
Comprehensive and collision: about your car, not your liability
Collision pays to repair your vehicle after an impact. Comprehensive covers the non-collision events Florida specializes in — hail, falling limbs, flooding, theft, and animal strikes on unlit roads.
If your vehicle is financed or leased, your lender requires both. If it's paid off, the decision is economic: compare the annual premium against what the car is actually worth and what you could absorb.
Pick a deductible you can produce today
A $1,000 deductible lowers your premium, but only helps if you can hand over $1,000 on the day of a claim without borrowing. Choose the deductible against your emergency fund, not against the quote.
Get limits priced side by side
We'll show you what each step up actually costs before you decide.
Frequently asked questions
This guide is general information for Florida consumers, not a policy or legal advice. Coverage terms vary by carrier and policy form — your declarations page controls. Last reviewed July 26, 2026.