Anamarie Waite, Car Insurance Writer
@anamarie.waite
Drivers in Florida need $10,000 of property damage liability insurance. Florida also requires personal injury protection (PIP) insurance. PIP covers medical expenses for you and your passengers after an accident.
Here’s How Much Car Insurance Drivers Need in Florida:
| Coverage Type | Minimum Coverage Limit |
| Property Damage Liability | $10,000 |
| Personal Injury Protection | $10,000 |
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. Lenders may also require gap insurance, which covers the difference between what you owe on your loan or lease and what the vehicle was worth if it gets stolen or totaled.
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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