How much car insurance do I need in Florida?

This question is about Cheap Car Insurance in Florida

Anamarie Waite, Car Insurance Writer

@anamarie.waite 12/03/20 First posted on 04/21/20
Last reviewed on 12/03/20

In Florida, drivers need $10,000 of property damage liability insurance and $10,000 of personal injury protection. Florida does not require uninsured motorist protection, which replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits. Coverage like MedPay or personal injury protection pays for medical expenses for you and your passengers, and PIP is required in Florida.

Here’s How Much Car Insurance Drivers Need in Florida:

Coverage Type	Minimum Coverage Limit
Bodily Injury Liability Coverage (per person)	Not Required
Bodily Injury Liability Coverage (per accident)	Not Required
Property Damage Liability	$10,000
Uninsured Motorist	Not Required
Personal Injury Protection	$10,000
MedPay	Not Required

If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Florida law. Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. You might also have to get gap insurance, which covers the difference between what you owe on your loan and what the vehicle is worth at the time of a total loss.

Even if you’re not required to carry these optional coverage types, you may still need them. You can learn more about when to drop optional coverage and the penalties for driving without insurance in Florida to make sure you’re paying for the coverage you need.

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In addition to the population and number of uninsured drivers, other factors that affect car insurance costs include state laws, crime rates, and special weather hazards. State laws govern how much insurance coverage drivers are required to carry, and no-fault laws impact insurers' risks. Crime rates mainly impact comprehensive coverage, which covers losses due to theft or violence. Weather hazards - like hurricanes, hail or snowstorms - cause more breakdowns and accidents.

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When should you drop full coverage on your car?

In my personal opinion, I look at the value of the vehicle and if I can afford that loss in the event of an accident. I also look at the miles driven daily. I take the premium into consideration as well. Example, doesn't make sense to pay $100/mo for a vehicle that is only worth $1500 or may sit around and be driven 1,000 miles / year.… read full answer

Comprehensive coverage is usually inexpensive compared to collision and it's something I myself personally, would keep on a vehicle.

Comprehensive coverage protects you in the case of:

Theft

Vandalism

Fire

Natural disasters (like a hurricane or a tornado)

Falling objects

Damage done to your car by animals

A civil disturbance (like a riot that results in damage or destruction of your car)

Please remember that this answer is based on my own personal opinion. You should speak to your agent to help you weigh your options and understand a little more. Hope that helps!

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What states are PIP states?

The thirteen states that require PIP insurance, also known as personal injury protection, are Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah. All 13 of these PIP states are “no-fault states.” PIP coverage is also available, but optional, in 6 additional states, plus Washington, D.C.… read full answer

PIP States

State	PIP Policy	No-Fault State?	Minimum PIP Coverage
Arkansas	Optional	No	$5,000
Delaware	Required	No	$15,000 per person, $30,000 per accident (plus $5,000 for funeral services)
Florida	Required	Yes	$10,000 per person
Hawaii	Required	Yes	$10,00 per person
Kansas	Required	Yes	$4,500 per person (plus a $2,000 burial benefit or up to $10,000+ for care/lost wages)
Kentucky	Required	Yes	$10,000 per person, per accident
Maine	MedPay Required	No	$2,000 per person*
Maryland	Optional	No	$2,500
Massachusetts	Required	Yes	$8,000 per person, per accident
Michigan	Required (drivers who receive Medicaid can opt out as of July 2020)	Yes	Unlimited ($50,000 per person starting July 2020)
Minnesota	Required	Yes	$40,000 per person, per accident
New Hampshire	MedPay Optional	No	$1,000*
New Jersey	Required	Yes	$15,000 per person, per accident (up to $250,000 for certain life-altering injuries)
New York	Required	Yes	$50,000 per person (plus a $2,000 death benefit)
North Dakota	Required	Yes	$30,000 per person
Oregon	Required	No	$15,000 per person
Pennsylvania	Medical Benefits Required	Yes	$5,000 per person, per accident*
Texas	Optional	No	$2,500 per person
Utah	Required	Yes	$3,000
Virginia	Optional	No	$2,000 (plus up to $100/week for lost wages for up to 12 months, in some cases)
Washington	Optional	No	$10,000 per accident
Washington D.C.	Optional	No	$50,000 per person (plus $12,000 per person for lost wages and $4,000 for funeral expenses)

*Reflects this state’s minimum coverage required for medical benefits, not PIP specifically. In New Hampshire, this minimum only applies to drivers who decide to purchase coverage.

PIP insurance covers medical expenses for you and your passengers after an accident, no matter who is at fault. These expenses include ambulance fees, medical and surgical treatments, and prescriptions. PIP can also reimburse you for lost wages, home care expenses, and even funeral expenses.

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