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Florida Minimum Car Insurance and Penalties for Driving Without It
The short answer
Florida does not require bodily injury liability for ordinary private vehicles. It requires at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability.
Florida at a glance
| Minimum liability | Florida does not require bodily injury liability for ordinary private vehicles. It requires at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability. |
|---|---|
| Other required coverage | Personal injury protection (PIP) is required, with $10,000 in medical and disability benefits and $5,000 in death benefits. |
| First offense for driving uninsured | A lapse is handled administratively, not with a criminal fine: the state suspends your driver license and registration after notice and a chance to be heard. The FLHSMV says your driving privilege and license plate can be suspended for up to three years, with no hardship license for insurance suspensions. The reinstatement fee is $150 for the first reinstatement. |
| Repeat offense | The same suspension applies. The reinstatement fee is $250 for the second reinstatement and $500 for each later reinstatement within 3 years of the first. |
| Fee to restore after a lapse | $150 for the first reinstatement, $250 for the second, and $500 for each later reinstatement within 3 years of the first. You must also show proof of the required coverage and keep it for 2 years. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Florida?
Florida does not require bodily injury liability for ordinary private vehicles. It requires at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability.
What happens if you drive without insurance in Florida?
A lapse is handled administratively, not with a criminal fine: the state suspends your driver license and registration after notice and a chance to be heard. The FLHSMV says your driving privilege and license plate can be suspended for up to three years, with no hardship license for insurance suspensions. The reinstatement fee is $150 for the first reinstatement.