Car-insurance requirements in Florida (2026)
Florida is the clearest case in the country of a state that does not fit the familiar three-number shorthand: it mandates no bodily-injury cover at all.
- Minimum liability limits
- no mandate
- Fault system
- No-fault
- Tort threshold
- verbal
- Restricted rating factors
- none found
What the statute requires
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | no minimum set by statute | required | Fla. Stat. §§324.022, 627.736 |
| Bodily injury liability, per accident | no minimum set by statute | required | Fla. Stat. §§324.022, 627.736 |
| Property damage liability | $10,000 | required | Fla. Stat. §§324.022, 627.736 |
| Combined single limit (alternative to split limits) | $30,000 | alternative to the split limits above | Fla. Stat. §§324.022, 627.736 |
Source of record: the legislature’s own statute text, corroborated against the state insurance department or motor-vehicle agency. Verification status: primary text confirmed.
The part most published tables get wrong
The statute requires property-damage liability and personal-injury protection. Bodily-injury liability becomes required only after a triggering event such as certain at-fault crashes or serious convictions. A table that prints a bodily-injury figure for Florida is stating a requirement that does not exist, and a table that prints zero is stating a requirement of zero cover, which is a different and equally false claim. Florida has also not repealed personal-injury protection: the repeal bill filed in the most recent session died in committee, and the section remains unamended.
How old is this minimum?
Our committed statutory record for Florida does not carry the date its current limits took effect, so no real-terms restatement is shown. We will not deflate from a year we have not read in the statute or its enacting bill. The limits themselves are confirmed against primary text; only the commencement date is missing.
What the property-damage minimum leaves exposed
A $42,000 property-damage claim against Florida’s minimum of $10,000 leaves $32,000 above the limit. That difference is the at-fault driver’s own exposure. The claim figure is an illustration; the limit is the statute.
Florida allows a combined single limit of $30,000 as an alternative to the split limits. A combined single limit applies to the whole accident, not per coverage type.
Rating rules in Florida
| Factor | Status | Authority |
|---|---|---|
| Credit information | No restriction found | — |
| Gender | No restriction found | — |
| ZIP code | No restriction found | — |
| Rating territory | No restriction found | — |
| Age | No restriction found | — |
| Marital status | No restriction found | — |
| Occupation | No restriction found | — |
| Education | No restriction found | — |
The same factor across every jurisdiction: credit-based rating by state, gender rating by state, age rating by state, marital-status rating by state, occupation and education rating by state, zip code and territory rating by state.
Premium data for Florida
Florida Office of Insurance Regulation publishes filed sample rates for 6 driver profiles across 33 counties, quoted as annual premiums. We compute the distribution of those filed rates — 4,092 of them — and publish the count, the lowest, the quartiles, the median and the highest for every published combination.
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
Florida — no universal purchase mandate
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | no minimum set by statute | required | Fla. Stat. §§324.022, 627.736 |
| Bodily injury liability, per accident | no minimum set by statute | required | Fla. Stat. §§324.022, 627.736 |
| Property damage liability | $10,000 | required | Fla. Stat. §§324.022, 627.736 |
| Combined single limit (alternative to split limits) | $30,000 | alternative to the split limits above | Fla. Stat. §§324.022, 627.736 |
Fault system: No-fault — verbal threshold (Fla. Stat. §627.737(2)).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
Questions about Florida
- What is the minimum car insurance required in Florida?
- Florida does not require drivers to buy liability insurance. Its published limits apply only once a financial-responsibility requirement is triggered.
- Is Florida a no-fault state?
- Florida operates no-fault with a verbal tort threshold.
- Where can I see what drivers in Florida actually pay?
- Florida Office of Insurance Regulation publishes filed sample rates for the driver profiles it defines. We compute the distribution of those filed rates and publish it, with the count behind every figure.
Statutory records for Florida last verified against primary sources on 10 August 2026. Price level for the real-terms restatement: June 2026, all-items index 333.952. Every figure on this page is recomputed from committed data at build time.