--- description: If you're a driver in the Sunshine State, it's important to be aware of the state's minimum car insurance coverage requirements. title: Minimum Car Insurance in Florida | Fran Haasch Law Group canonical: https://www.lawfran.com/car-accident-lawyers/minimum-car-insurance-in-florida/ date_modified: 2025-10-16T16:00:47+00:00 practice_area: car-accident --- - Minimum Car Insurance in Florida | Fran Haasch Law Group [Home](https://www.lawfran.com/) » [Car Accident Lawyers](https://www.lawfran.com/car-accident-lawyers/) » Minimum Car Insurance in Florida # Minimum Car Insurance in Florida Last Updated: October 16, 2025 - Reading Time: 4 minutes trusted Content Legally Reviewed by: Fran Haasch Updated 10 months ago [![Tampa Bay Trial Lawyers Association](https://www.lawfran.com/wp-content/uploads/2023/12/tbtla-1.webp)](https://www.tbtla.us) [![10 Best Attorney Client Satisfaction American Institute of Personal Injury Attorneys](https://www.lawfran.com/wp-content/uploads/2022/01/logo-4.png)](https://www.aiopia.org) [![Avvo Rating 10.0 Superb](https://www.lawfran.com/wp-content/uploads/2022/01/avvo.png)](https://www.avvo.com) [![Florida Justice Association Logo](https://www.lawfran.com/wp-content/uploads/2022/01/logo-5.png)](https://www.myfja.org) [![elite Lawyers of America ELA](https://www.lawfran.com/wp-content/uploads/2022/01/logo-3.png)](https://www.elitelawyer.com) [![National Alliance of Attorneys Distinguished Member logo](https://www.lawfran.com/wp-content/uploads/2022/01/distinguished-member-2020-1-300x256.png)](https://naoatty.org) [![American Academy of Attorneys Top 100 2020](https://www.lawfran.com/wp-content/uploads/2022/01/AAOA-Top-100-2020-1-1-300x212.png)](https://aaoaus.com/directory/categories/florida-top-100) [![American Association of Justice logo](https://www.lawfran.com/wp-content/uploads/2022/01/logo-2.png)](https://www.justice.org) [![Multi-Million Dollar Advocates Forum](https://www.lawfran.com/wp-content/uploads/2022/01/logo-1.png)](https://www.milliondollaradvocates.com) Table of Contents Our Case results [$1,800,000 Car Accidents](https://www.lawfran.com/blog/case-results/1800000-2/) [$1,800,000 Car Accidents](https://www.lawfran.com/blog/case-results/1800000/) [$1,550,000 Car Accidents](https://www.lawfran.com/blog/case-results/1550000/) [$1,350,000 Car Accidents](https://www.lawfran.com/blog/case-results/1350000/) [$1,345,750 Car Accidents](https://www.lawfran.com/blog/case-results/1345750/) [$1,300,000 Car Accidents](https://www.lawfran.com/blog/case-results/1300000-2/) [$1,300,000 Car Accidents](https://www.lawfran.com/blog/case-results/1300000/) [$1,025,000 Car Accidents](https://www.lawfran.com/blog/case-results/1025000-2/) [$1,025,000 Car Accidents](https://www.lawfran.com/blog/case-results/1025000/) [$1,000,000 Car Accidents](https://www.lawfran.com/blog/case-results/1000000-4/) [$1,000,000 Car Accidents](https://www.lawfran.com/blog/case-results/1000000-3/) [$1,000,000 Car Accidents](https://www.lawfran.com/blog/case-results/1000000-2/) [$1,000,000 Car Accidents](https://www.lawfran.com/blog/case-results/1000000/) [$895,000 Car Accidents](https://www.lawfran.com/blog/case-results/895000/) [$800,000 Car Accidents](https://www.lawfran.com/blog/case-results/800000/) [$750,000 Car Accidents](https://www.lawfran.com/blog/case-results/750000-3/) [$750,000 Car Accidents](https://www.lawfran.com/blog/case-results/750000-2/) [$750,000 Car Accidents](https://www.lawfran.com/blog/case-results/750000/) [$700,000 Car Accidents](https://www.lawfran.com/blog/case-results/700000-2/) [$700,000 Car Accidents](https://www.lawfran.com/blog/case-results/700000/) [View All Results](https://www.lawfran.com/case-results/) Our Practice Areas Testimonials Extremely attentive and considerate. Highly recommend them. When I got in my car accident they kept me up to date with everything didn’t have to be on top of them. Very professional. Thank you guys for all you help me with. Julie Rodriguez I was in a car accident a few years ago, they helped me through the process .Very professional and very generous toward the different charities that they help. I've gotten to know a lot of good people throughout the years that are affiliated with them. Thomas Scharf Attorney Fran Haasch was great in helping me with my medical bills and settling my case! They really cared about me and my family. I recommend them, if you have injuries from an automobile accident. Sofia Beshara Contact Us Today Free Consultation Call us Anytime 24/7 (727) 784-8191 LinkedInThis 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. [Disclaimer](https://www.lawfran.com/disclaimer-and-terms-of-use/) | [Privacy Policy](https://www.lawfran.com/privacy-policy/)SMS/Text Message Consent I consent to receive text messages from Fran Haasch Law Group Accident & Injury Lawyers at the phone number provided, including messages regarding my inquiry, case updates, and appointment reminders. Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out. Submit Δ Florida car insurance laws require all drivers to carry a minimum amount of liability insurance coverage. This type of coverage protects you if you are found at fault in an accident. If you’re a driver in the Sunshine State, it’s important to be aware of the state’s minimum car insurance requirements. At The Fran Haasch Law Group, we focus on helping you and your family recover. Our [car accident attorneys](https://www.lawfran.com/car-accident-lawyers/) are skilled and experienced litigators, and we are here to help you through the [claims process](https://www.lawfran.com/personal-injury-claim-process-in-florida/) and obtain the maximum amount of compensation available to you. ## Minimum Car Insurance Coverage Requirements in Florida In Florida, [drivers must carry](https://www.lawfran.com/car-accident-lawyers/florida-auto-insurance-requirements/) personal injury protection (PIP), and property damage liability coverage (PDL). [PIP coverage](https://www.lawfran.com/blog/2022/05/florida-pip-insurance-limits-making-a-claim-to-only-14-days/) covers you and your [passengers](https://www.lawfran.com/car-accident-lawyers/passenger-in-car-accident-in-florida/)’ medical expenses after a car accident, regardless of who is at fault. A Florida licensed insurance company must issue proof of PIP/PDL coverage. - **[Personal Injury Protection Insurance Coverage](https://www.lawfran.com/car-accident-lawyers/what-is-personal-injury-protection-insurance/) (PIP)** covers 60% of your medical expenses and lost wages up to $10,000 regardless of who was at fault for the accident. - **[Property Damage Liability Insurance Coverage](https://www.lawfran.com/car-accident-lawyers/property-damage-liability-insurance/) (PDL)** pays for the damage to another driver’s vehicle up to your policy limit. While these are the only two types of insurance [required by law](https://www.lawfran.com/car-accident-lawyers/florida-car-insurance-laws/), they may not be enough to completely cover you financially if you’re involved in an accident. Many Floridians choose to purchase additional types of insurance, such as comprehensive and collision insurance and/or bodily injury liability coverage. ## What Is the Penalty for Driving Without Car Insurance in Florida? [Driving without the minimum insurance](https://www.lawfran.com/car-accident-lawyers/can-you-drive-a-car-without-insurance-in-florida/) coverage in Florida can result in a fine of $150 for a first offense. It’s important to note that this is only a fine, and it will not cover any damages that you may cause in an accident. You could also lose your driver’s license and vehicle license plate suspended for up to three years. ## Do Florida’s Minimum Requirements Provide Enough Coverage? Florida’s minimum car insurance requirements might not be enough to protect you fully. If you’re in an accident and found at fault, you could be liable for the other driver’s medical expenses, lost wages, and property damage. Optional auto insurance coverages include: ### Bodily Injury Liability Coverage [Bodily Injury (BI) coverage](https://www.lawfran.com/car-accident-lawyers/bodily-injury-liability-coverage/) is not required in Florida. It is designed to compensate an injured party for damages the negligent party may have caused. If you are injured in an accident, there is a high chance **the at-fault driver **[isn’t covered](https://www.lawfran.com/car-accident-lawyers/what-happens-if-someone-hits-you-without-insurance-in-florida/) to pay for your medical expenses and other injury-related costs. ### Uninsured/Underinsured Motorist Coverage [UM/UIM](https://www.lawfran.com/car-accident-lawyers/underinsured-uninsured-motorists/) protects you if you’re in an accident caused by a driver who doesn’t have enough insurance to cover your damages. UM/UIM covers your medical expenses and lost wages. ### Collision Coverage in Florida [Collision coverage](https://www.lawfran.com/car-accident-lawyers/collision-insurance/) covers the damage to your vehicle caused by an accident, regardless of who is at fault. Collision covers repairs or replacement up to your vehicle’s actual cash value (ACV), minus the deductible. ### Comprehensive Coverage [Comprehensive coverage](https://www.lawfran.com/car-accident-lawyers/what-is-comprehensive-insurance/) covers the damage to your vehicle caused by anything other than an accident, such as theft, vandalism, or natural disasters. Comprehensive covers repairs or replacement up to your vehicle’s actual cash value (ACV), minus the deductible. ### Rental Car Reimbursement Coverage in Florida [Rental car reimbursement](https://www.lawfran.com/blog/2022/05/what-about-my-rental-car/) coverage covers the cost of a rental car while your vehicle is being repaired after an accident. ### Towing and Labor Coverage in Florida [Towing and labor coverage](https://www.lawfran.com/car-accident-lawyers/roadside-assistance-insurance/) cover the cost of towing your vehicle to a repair shop after an accident. ### Medical Payments Coverage [Medical payments coverage](https://www.lawfran.com/car-accident-lawyers/medical-payments-coverage-medpay/) fills the coverage gaps between auto and health insurance to make sure your medical bills get paid for quickly. It will cover accident-related medical expenses that your PIP and health insurance do not, regardless of who is at fault. ## What Should I Do After a Car Accident? If you’re [involved in a car accident](https://www.lawfran.com/car-accident-lawyers/what-to-do-after-accident/), you should first call the police. Even if the accident is minor, it’s important to have an [official accident report](https://www.lawfran.com/car-accident-lawyers/how-do-i-look-up-an-accident-report-in-florida/) to record what happened. The next step is to exchange information with the other driver. You will need their name, address, phone number, and insurance information. It’s also a good idea to take pictures of the damage to both vehicles. Once you have all this information, you should call your insurance company and [file a claim](https://www.lawfran.com/filing-a-personal-injury-claim/). Your insurance company will then send an adjuster to assess the damage and determine how much they will pay for repairs. ## Need a Car Accident Attorney? At [The Fran Haasch Law Group](https://www.lawfran.com/), we are committed to fighting for your fair recovery. We strive to help injured individuals and the loved ones of those wrongfully killed secure the full, fair recovery they are owed. We offer dedicated legal representation for car accident victims and bicycle, [Uber](https://www.lawfran.com/car-accident-lawyers/uber-accident-lawyer/) and [Lyft](https://www.lawfran.com/car-accident-lawyers/lyft-accident-lawyer/), and semi-truck accident victims. If you feel you have been the victim of a car accident through no fault of your own. Our attorneys are prepared to help you navigate the legal process and work toward securing the maximum compensation you are owed. Call (727) 784-8191 or[contact us online](https://www.lawfran.com/contact-us/) to get started on receiving [maximum compensation](https://www.lawfran.com/car-accident-lawyers/car-accident-compensation-in-florida/) 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](https://www.lawfran.com/contact-us/) 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 ![fran-haasch.jpg](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/fran-haasch-r9krkvoso3sdv1wow979xtqj4n68cn5nlpd31reujw.webp) ## Francoise M. Haasch Founding Attorney Over 20 Years Experience - [Personal Injury](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) - [Car Accidents](https://www.lawfran.com/car-accident-lawyers/) - [Motorcycle Accidents](https://www.lawfran.com/motorcycle-accident-lawyers/) [![Multi Million Dollar Advocates Forum](https://www.lawfran.com/wp-content/uploads/2023/12/logo-1-2.png)](https://nwtla.org/members/francoise-haasch-esq/) Lifetime Member [![Avvo Rating 10.0 Superb](https://www.lawfran.com/wp-content/uploads/2023/12/avvo-2.png)](https://www.justice.org/) [![National Women Trial Lawyers Top 25](https://www.lawfran.com/wp-content/uploads/2023/12/66659356429853-e1760028480574.webp)](https://nwtla.org/members/francoise-haasch-esq/) [![Best of the Best Attorneys Top 10 Personal Injury Attorney 2024](https://www.lawfran.com/wp-content/uploads/2024/04/best-of-the-best.webp)](https://bestofthebestattorneys.org/best-attorneys/2024-best-attorneys/) [![2024 Attorney and Practice Magazine Personal Injury Law Attorney Badge](https://www.lawfran.com/wp-content/uploads/2024/02/award.webp)](https://www.attorneyandpractice.com/) Known for extensive trial experience and consistent client advocacy across complex injury cases. [Meet Francoise M. Haasch](https://www.lawfran.com/attorneys/francoise-m-haasch/) ![joshua-lipton.jpg](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/joshua-lipton-r9krl6yuy47tqdgb2e2srqw299mmx0efn96wt2y4h8.webp) ## Joshua R. Lipton Managing Attorney Over 20 Years Experience - [Personal Injury](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) - [Car Accidents](https://www.lawfran.com/car-accident-lawyers/) - [Motorcycle Accidents](https://www.lawfran.com/motorcycle-accident-lawyers/) Recognized for consistent results and strong client advocacy in complex accident cases. [Meet Joshua R. Lipton](https://www.lawfran.com/attorneys/joshua-r-lipton/) ![david-fuller.jpg](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/david-fuller-r9krlbo1wae9cf9hay3xm7pd86zgzhx3bwgc7gr5m4.webp) ## David R. Fuller Attorney Over 30 Years Experience - [Personal Injury Litigation](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) Secured more than a dozen seven-figure settlements for clients. [Meet David R. Fuller](https://www.lawfran.com/attorneys/david-r-fuller/) ![AllenPipkins](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/AllenPipkins-r9kqgp36i2s3j69yjdwfugs4wn8cagmr2tctgwzqjw.webp) ## Allen J. Pipkins II Attorney Over 10 Years Experiece - [Personal Injury](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) - [Wrongful Death](https://www.lawfran.com/wrongful-death-attorneys/clearwater/) - [Motorcycle Accidents](https://www.lawfran.com/motorcycle-accident-lawyers/) Combines experience from both plaintiff-side injury firms and large insurance companies. [Meet Allen J. Pipkins II](https://www.lawfran.com/attorneys/david-r-fuller/) ![laura-smith.jpg](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/laura-smith-r9krlffenmjemv40ozqfw6r7lqgxuac0of2a4klkx8.webp) ## Laura Smith Davies Attorney (Of Counsel) Almost 20 Years Experiece - [Personal Injury](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) - [Wrongful Death](https://www.lawfran.com/wrongful-death-attorneys/clearwater/) - [Motorcycle Accidents](https://www.lawfran.com/motorcycle-accident-lawyers/) Known for her versatile trial experience and leadership roles across multiple legal disciplines. [Meet Laura Smith Davies](https://www.lawfran.com/attorneys/laura-smith-davies/) Related Content Want to learn more about car accidents? Whether its how to prevent them or what to do once you’ve been in one, [our blog](https://www.lawfran.com/blog/) can help you gather the knowledge and information you need. ### [Medical Payments Coverage (Medpay)](https://www.lawfran.com/car-accident-lawyers/medical-payments-coverage-medpay/) ### [Car Accident Lawyer in Riverview FL](https://www.lawfran.com/car-accident-lawyers/riverview/) ### [Spring Hill Car Accident Lawyer](https://www.lawfran.com/car-accident-lawyers/spring-hill/) ### [Car Accident Lawyers](https://www.lawfran.com/car-accident-lawyers/) ### [Types of Car Accidents](https://www.lawfran.com/car-accident-lawyers/types-of-accidents/) ### [How Medical Bills Are Paid After a Car Accident in Florida](https://www.lawfran.com/car-accident-lawyers/how-medical-bills-are-paid-after-an-accident/) ### [Shoulder Pain After a Car Accident](https://www.lawfran.com/car-accident-lawyers/car-accident-injuries/shoulder-pain/) ### [Chest Pain After a Car Accident](https://www.lawfran.com/car-accident-lawyers/car-accident-injuries/chest-pain/) [![fran fights for you with car that rear ended another red car in background](https://www.lawfran.com/wp-content/uploads/2020/10/FranFights_FullCoverage.jpg)](https://www.lawfran.com/blog/2022/05/how-do-i-get-reimbursed-for-lost-wages-and-medical-expenses-after-an-auto-accident/) ### [How Do I Get Reimbursed for Lost Wages and Medical Expenses After an Auto Accident?](https://www.lawfran.com/blog/2022/05/how-do-i-get-reimbursed-for-lost-wages-and-medical-expenses-after-an-auto-accident/) May 8, 2022 An auto accident can cause you to suffer serious injuries that might require medical treatment, including surgery, rehabilitation, and prescription medication. In some cases, the [Read Full Post »](https://www.lawfran.com/blog/2022/05/how-do-i-get-reimbursed-for-lost-wages-and-medical-expenses-after-an-auto-accident/) ### [What About My Rental Car?](https://www.lawfran.com/blog/2022/05/what-about-my-rental-car/) May 8, 2022 Was your vehicle severely damaged in an auto accident? Are you wondering who is going to pay for your rental car? If you require a [Read Full Post »](https://www.lawfran.com/blog/2022/05/what-about-my-rental-car/) ### [What Happens When Medicine Causes a Car Accident?](https://www.lawfran.com/blog/2022/05/what-happens-when-medicine-causes-a-car-accident/) 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 »](https://www.lawfran.com/blog/2022/05/what-happens-when-medicine-causes-a-car-accident/) ## Contact Us Today [(727) 784-8191](tel:+17277848191) Our experienced attorneys are here to help you navigate your legal rights with confidence. 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