What are the minimum car insurance requirements 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 own medical bills and lost wages regardless of who caused the accident; PDL covers damage you cause to someone else's property. These are the legal floor—you cannot register or legally drive without them. Many drivers carry higher limits, especially Bodily Injury Liability coverage, because the state minimums are quite low and a serious accident can result in a judgment far exceeding $10,000. Florida is a no-fault state, meaning your own PIP coverage pays your medical expenses first, regardless of fault. This is why PIP is mandatory. If you finance or lease a vehicle, your lender will typically require additional coverage like Collision and Comprehensive to protect their asset, so your actual insurance costs will be higher than just the state minimum. When you buy a car through Elite Edge, you'll need proof of insurance before taking delivery. Our team can guide you on what your lender will require and connect you with resources, but we recommend getting a quote from an insurance agent before finalizing your purchase so you know the true monthly cost of ownership. Call or text us at (954) 907-2386 to discuss your full financing picture, including insurance expectations.

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