What are the auto insurance requirements and laws in Florida?

Florida requires every driver to carry a minimum of $10,000 in Personal Injury Protection (PIP) coverage and $10,000 in Property Damage Liability (PDL) coverage. PIP covers your medical bills and lost wages regardless of who caused an accident; PDL covers damage you cause to someone else's vehicle or property. These are the state minimums, but many insurance companies and lenders recommend higher limits because $10,000 doesn't go far in a serious accident. Florida is a no-fault state, meaning your own insurance pays your medical costs first, even if the other driver was at fault. Beyond the legal minimum, you'll typically want Collision and Comprehensive coverage if you're financing a car, since lenders require it to protect their investment. Collision covers accidents; Comprehensive covers theft, weather, vandalism, and other non-collision damage. Uninsured/Underinsured Motorist coverage is optional but smart in Florida, where many drivers carry only the minimum or none at all. When you buy a car through Elite Edge, we handle the dealer side of things, but you'll need active insurance before you drive off the lot. Many buyers ask about getting insurance quotes before finalizing their purchase—that's smart planning. If you're unsure about coverage levels or have gaps in your driving history that might affect your rates, our team can walk you through what lenders typically require. Start with our 60-second Pre-Qualify at eliteedgeautobroker.com/PreQualify or text (954) 907-2386 to discuss your situation and next steps.

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