What are the car insurance requirements and rules 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 the accident, while PDL covers damage you cause to someone else's vehicle or property. You must carry proof of insurance at all times while driving—your insurance card, policy declaration, or digital proof on your phone all count. Driving without insurance is illegal and can result in license suspension, fines, and other penalties. Beyond the legal minimums, most lenders require additional coverage if you're financing or leasing a vehicle. They typically mandate Collision and Comprehensive coverage to protect their interest in the car. Collision covers damage from accidents; Comprehensive covers theft, weather, vandalism, and other non-collision events. Many drivers also add Uninsured/Underinsured Motorist coverage since Florida has a high number of uninsured drivers. Your rates depend on age, driving record, vehicle type, coverage limits, and deductible choices. When you buy a car through Elite Edge, you'll need insurance before you drive off the lot—lenders won't fund without proof. Our team can guide you through what your specific lender requires, and we work with buyers across South Florida (Broward, Miami-Dade, Palm Beach) to make sure everything aligns. Start with a quick conversation at (954) 907-2386 or text us on WhatsApp to discuss your purchase timeline and insurance needs.

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