What car insurance is required in Florida?
To register a vehicle with four or more wheels, Florida requires proof of:
- $10,000 in personal injury protection (PIP). Pays toward your own medical bills and lost income after a crash, no matter who caused it.
- $10,000 in property damage liability. Pays for damage you cause to someone else’s car or property.
The coverage must come from a company licensed in Florida, and it has to stay in place the whole time the car is registered, even if you aren’t driving it.
What does no fault mean?
Florida is a no fault state. After a crash, your own PIP coverage pays first for your injuries, whoever caused the accident. Bills to repeal PIP have been proposed in Florida, but PIP is still required today.
Why consider more than the minimum?
The state minimum is a starting point, not a safety net. It doesn’t include:
- Bodily injury liability. Pays for injuries you cause to other people. Without it, you could be personally responsible for their medical bills.
- Uninsured motorist coverage. Protects you if the other driver has little or no insurance.
- Collision and comprehensive. Pay to repair or replace your own car after a crash, theft, storm or flood.
Your agent can show how much each option adds, so you can choose the protection that fits your budget.
What else can you insure?
Beyond everyday cars, Marshall Insurance Group insures:
- Classic and collector cars
- Motorcycles
- RVs
- Commercial vehicles, see commercial insurance
Why compare auto insurance with an independent agent?
Auto rates in Florida vary widely from one company to the next. An independent agent compares multiple carriers for you, so you see real options instead of a single price.
Common questions
What car insurance is required in Florida?
Florida requires at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability to register a vehicle with four or more wheels, from an insurer licensed in Florida. PIP pays toward your own medical bills and lost income after a crash, and property damage liability pays for damage you cause to someone else's property. These are minimums only and don't include bodily injury liability, uninsured motorist, collision or comprehensive coverage.
Did Florida get rid of PIP?
No. Florida is still a no fault state, and personal injury protection (PIP) is still required. Bills to repeal it have been proposed, but none have become law. Under no fault, your own PIP pays first for your injuries after a crash, no matter who caused it.
Do I need insurance if my car isn't being driven?
Yes. Florida requires coverage to stay in place the whole time a vehicle is registered, even if it isn't being driven or doesn't run. If you're storing a car, talk with your agent before changing your coverage.
Is bodily injury liability required in Florida?
It isn't part of Florida's standard minimum for most drivers, but it pays for injuries you cause to other people in a crash. Without it, you could be personally responsible for their medical bills. It's also usually required at certain limits before you can add an umbrella policy for extra liability protection.
Can you insure classic cars, motorcycles and RVs?
Yes. Marshall Insurance Group insures classic and collector cars, motorcycles, RVs and commercial vehicles as well as everyday cars. We can quote them alongside your other policies, so your coverage and liability limits line up.