--- description: If you are a driver in Florida, be aware of the car insurance laws. Not having the proper coverage can result in fines and other penalties. title: Florida Car Insurance Laws | Fran Haasch Law Group --- Florida Car Insurance Laws | Fran Haasch Law Group [Home](https://www.lawfran.com/) » [Car Accident Lawyers](https://www.lawfran.com/car-accident-lawyers/) » Florida Car Insurance Laws # Florida Car Insurance Laws Last Updated: October 16, 2025 Reading Time: 5 minutes trusted Content Legally Reviewed by: Fran Haasch Updated 9 months ago Table of Contents Our Case results $1,800,000 Car Accidents $1,800,000 Car Accidents $1,550,000 Car Accidents $1,350,000 Car Accidents $1,345,750 Car Accidents $1,300,000 Car Accidents $1,300,000 Car Accidents $1,025,000 Car Accidents $1,025,000 Car Accidents $1,000,000 Car Accidents $1,000,000 Car Accidents $1,000,000 Car Accidents $1,000,000 Car Accidents $895,000 Car Accidents $800,000 Car Accidents $750,000 Car Accidents $750,000 Car Accidents $750,000 Car Accidents $700,000 Car Accidents $700,000 Car Accidents View All Results Our Practice Areas Testimonials Extremely attentive and considerate. 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Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out. Δ If you are a driver in Florida, it is important to be aware of car insurance laws. Failure to have the proper coverage can result in fines and other penalties. In this blog post, we will discuss the car insurance laws in Florida and what you need to know to stay compliant. Contact The Fran Haasch Law Group today for a [free consultation](https://www.lawfran.com/contact-us/) if you feel you have been the [victim of a car accident](https://www.lawfran.com/car-accident-lawyers/) through no fault of your own and have questions about what is covered under your policy and what additional damages you may need to seek compensation for. ## Florida Auto Insurance Coverage Requirements Florida drivers must have two types of [minimum coverage](https://www.lawfran.com/car-accident-lawyers/minimum-car-insurance-in-florida/) car insurance options: ### Personal Injury Protection Insurance All drivers in Florida must have [personal injury protection](https://www.lawfran.com/car-accident-lawyers/what-is-personal-injury-protection-insurance/) (PIP) insurance. This type of coverage will pay for your medical expenses and lost wages if you are injured in a motor vehicle accident, regardless of who is at fault. You must have a minimum of $10,000 in PIP coverage. ### Property Damage Liability Insurance [Property damage liability coverage](https://www.lawfran.com/car-accident-lawyers/property-damage-liability-insurance/) is also required in Florida. This coverage will pay for damages to another person’s property if you are at fault in an accident. The minimum amount of coverage you must have is $10,000. Be sure to have the proper coverage before driving on Florida roads. If you are caught [driving without insurance](https://www.lawfran.com/car-accident-lawyers/can-you-drive-a-car-without-insurance-in-florida/), you could face fines and other penalties. ## Optional Auto Insurance Coverage These insurance options are not required in Florida, but it is good to have this coverage if you can afford it. - [Bodily Injury Liability Coverage](https://www.lawfran.com/car-accident-lawyers/what-is-bodily-injury-liability-coverage/): This insurance will pay for medical bills and lost wages if you are at fault in an accident and someone is injured. - [Uninsured Motorist Coverage](https://www.lawfran.com/car-accident-lawyers/underinsured-uninsured-motorists/): This insurance will pay for your medical bills and lost wages if you are in an accident with a driver who does not have insurance. - [Collision Coverage](https://www.lawfran.com/car-accident-lawyers/collision-insurance/): This insurance will pay for damages to your car if you are in an accident. - [Comprehensive Coverage](https://www.lawfran.com/car-accident-lawyers/what-is-comprehensive-insurance/): This insurance will pay for damages to your car if it is damaged by something other than a collision, such as fire, theft, or vandalism. - [Medpay](https://www.lawfran.com/car-accident-lawyers/medical-payments-coverage-medpay/): Medpay or Medical Payment Coverage is an additional elective provision insurance policy. This coverage ensures that 100% of your medical bills are paid up to a specific coverage limit. Any additional coverage will increase your auto insurance rates, but it is better to have peace of mind if you are ever in an accident. ## Penalties for Driving Without Car Insurance in Florida Driving without the proper insurance coverage in Florida can [result in several penalties](https://www.lawfran.com/blog/2024/01/the-costs-of-not-having-car-insurance/). These include: - A fine of $150 for the first offense - A fine of $250 for the second offense - A fine of $500 for subsequent offenses If you do not provide proof of insurance to your local Department of Highway Safety and Motor Vehicles within the deadline, you could also face: - A suspension of your driver’s license for three months - A suspension of your [vehicle registration](https://www.lawfran.com/car-accident-lawyers/do-you-need-insurance-to-register-a-car-in-florida/) for three months If you are caught driving without insurance, it is important to take action immediately to avoid further penalties. Contact an experienced car accident lawyer who can help you understand your options and protect your rights. ## How Much Does the Minimum Car Insurance Cost in Florida? According to a[ recent study](https://quotewizard.com/auto-insurance/florida), the average cost of the minimum car insurance in Florida is [$219 per month](https://www.lawfran.com/car-accident-lawyers/why-is-car-insurance-so-expensive/), while the average cost of [full insurance](https://www.lawfran.com/car-accident-lawyers/what-is-full-coverage-auto-insurance-in-florida/) is $347 per month. However, your actual rate will depend on many factors, including your age, driving record, and the type of vehicle you drive. ## What Should I Do After a Car Accident in Florida? [If you are involved in a car accident](https://www.lawfran.com/car-accident-lawyers/what-to-do-after-accident/) in Florida, you should first call the police. Once the police arrive, they will create a report of the accident. You should get a copy of this report for your records. Then, you should exchange information with the other driver, including your name, contact information, insurance information, and license plate number. You should also take photos of the accident scene, if possible. Once you have gathered all the necessary information, it is important to [contact an experienced car accident lawyer](https://www.lawfran.com/car-accident-lawyers/should-i-get-a-lawyer/) who can help you [file a claim](https://www.lawfran.com/blog/2018/12/what-happens-when-you-make-a-claim-after-a-car-accident/) with your insurance company. **The Fran Haasch Law Group lawyers **have experience handling car accident cases in Florida and can help you get the [compensation you deserve](https://www.lawfran.com/car-accident-lawyers/car-accident-compensation-in-florida/). Our lawyers will help you navigate the [claims process](https://www.lawfran.com/personal-injury-claim-process-in-florida/) and protect your rights. ## How Do I File a PIP Claim in Florida? If you have been involved in a car accident in Florida, you may be able to file a Personal Injury Protection (PIP) claim. PIP is a type of [no-fault insurance](https://www.lawfran.com/car-accident-lawyers/is-florida-a-no-fault-state/) that can help pay for your medical bills and lost wages after an accident. To file a PIP claim, you must submit several documents to your insurance company, including a copy of the police report, medical bills, and proof of lost wages. It is important to note that you have a very[ brief period of 14 days](https://www.lawfran.com/blog/2022/05/florida-pip-insurance-limits-making-a-claim-to-only-14-days/) to receive medical treatment. ## Can I Sue For Damages After a Car Accident? [In Florida, you can only sue](https://www.lawfran.com/car-accident-lawyers/suing-after-a-car-accident-in-florida/) the other driver if you have suffered serious injuries in a car accident or your damages exceed your PIP limits. Serious injuries are defined as permanent disability, significant and permanent scarring, or death. If you have not suffered one of these injuries, you will likely not be able to file a lawsuit against the other driver. Should you decide to [file a lawsuit](https://www.lawfran.com/motorcycle-accident-lawyers/how-to-file-an-insurance-claim/), you must prove that the other driver was at fault for the accident. This can be done by showing that the other driver was speeding, [driving under the influence](https://www.lawfran.com/car-accident-lawyers/drunk-driving-accidents/), or engaging in reckless behavior. ## Hire a Car Accident Attorney For Your Claim At The Fran Haasch Law Group, we focus on helping you and your family recover. We pursue personal injury lawsuits and [wrongful death](https://www.lawfran.com/wrongful-death-attorneys/) claims to obtain full compensation for damages such as pain and suffering, medical expenses, lost earnings, property damage, and more. With over 25 years of experience, we draw on constant medical research to help clients recover after being injured in auto accidents in Tampa Bay and the surrounding areas. Founding personal injury attorney, Fran Haasch, is a lifetime member of the Multimillion Dollar Advocates Forum and a member of the American Association for Justice, the Florida Justice Association, and the Tampa Bay Trial Lawyers Association. Our attorneys are skilled and experienced litigators. We are not afraid to take your lawsuit to trial if necessary. No matter how complicated your case, our firm is here to help you navigate the legal process from start to finish. ## Contact a Car Accident Attorney After being in a car accident, one of the first things you should do is call a car accident lawyer. With their guidance, you will better understand your rights and remedies. In case two weeks have already passed since your accident, your lawyer will be able to help you figure out the best next step. The Fran Haasch Law Group and our [personal injury attorneys](https://www.lawfran.com/) are standing by to help car accident victims in Clearwater, Florida, and the Greater Tampa Bay region. We offer free case evaluations to inquiring clients. Our[ case results](https://www.lawfran.com/case-results/) speak for themselves, but if you would like to know more about our legal services, please feel free to call **(727) 784-8191 **or[ contact us online](https://www.lawfran.com/contact-us/) to get started on receiving maximum compensation for your personal injury case. INJURED IN FLORIDA? The Fran Haasch Law Group Is Here for You. Whether you’ve been hurt in a [motorcycle crash](https://www.lawfran.com/motorcycle-accident-lawyers/), [car accident](https://www.lawfran.com/car-accident-lawyers/), [truck collision](https://www.lawfran.com/truck-accident-lawyers/), or another serious incident, you deserve strong legal representation. Our experienced Florida [personal injury attorneys](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) will fight to protect your rights and help you recover the compensation you need. Schedule Your Free Consultation Share this page Find an Office Near You Our Car Accident Locations At Fran Haasch Law Group Accident & Injury Lawyers, we’re proud to serve clients throughout the greater Tampa Bay area and beyond. With multiple offices across the region, our team is dedicated to making it easy for you to access experienced legal help close to home. Select a location below to learn more about the services available near you. Meet Our Attorneys ## Francoise M. Haasch Founding Attorney Over 20 Years Experience Personal Injury Car Accidents Motorcycle Accidents Lifetime Member Known for extensive trial experience and consistent client advocacy across complex injury cases. Meet Francoise M. Haasch ## Joshua R. Lipton Managing Attorney Over 20 Years Experience Personal Injury Car Accidents Motorcycle Accidents Recognized for consistent results and strong client advocacy in complex accident cases. Meet Joshua R. Lipton ## David R. Fuller Attorney Over 30 Years Experience Personal Injury Litigation Secured more than a dozen seven-figure settlements for clients. Meet David R. Fuller ## Allen J. Pipkins II Attorney Over 10 Years Experiece Personal Injury Wrongful Death Motorcycle Accidents Combines experience from both plaintiff-side injury firms and large insurance companies. Meet Allen J. Pipkins II ## Laura Smith Davies Attorney (Of Counsel) Almost 20 Years Experiece Personal Injury Wrongful Death Motorcycle Accidents Known for her versatile trial experience and leadership roles across multiple legal disciplines. Meet Laura Smith Davies Related Content Want to learn more about car accidents? 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May 8, 2022 According to the Governors Highway Safety Association, 43.6 percent of fatally injured drivers in 2016 tested positive for drugs, and over half of those drivers Read Full Post » ## Contact Us Today (727) 784-8191 Our experienced attorneys are here to help you navigate your legal rights with confidence. PhoneThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email Phone(Required)Are You a New Client?Are You a New Client?Yes, I am a potential new client.No, I am a current existing client.I'm neither.Case Details(Required)Communication Consent I consent to receive calls and emails from Fran Haasch Law Group Accident & Injury Lawyers, including via automated technology, AI-assisted systems, and prerecorded messages, regarding my inquiry and related legal services. Consent is not a condition of services. 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