What Coverage for Car Insurance Is Required for Florida?

What Coverage for Car Insurance Is Required for Florida?
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Floridians pay the 25th highest car insurance premiums in the nation, or $1,453.20 per vehicle, per year, according to the website Insure.com. Florida state regulations mandate that drivers carry car insurance in their vehicle at all times.

Minimum Liability

Florida is a 10/20/10 state, which means that drivers must have purchase at least $10,000 in liability to cover the damages if they injure one person, $20,000 to cover injuries to multiple persons and $10,000 to cover any property damage the policy-holder causes while driving.

Uninsured Motorist Coverage

In Florida, uninsured motorist coverage, which covers the policy holder against any damages to his own vehicle caused by an uninsured or under-insured drivers, is not required in the state. However, the website CarInsurance.com recommends purchasing this coverage.


Personal Injury Protection Coverage

Personal Injury Protection Coverage, or PIP, is a type of car insurance policy that is required in Florida in the amount of $10,000 per policy. PIP insurance will pay for any damages or injuries to the policy holder and his passengers, including hospital bills and even funeral expenses.