Reviewed by Mike Redondo, Founding Attorney, Redondo Law, P.A. • Updated November 2026
Florida’s insurance rules change a lot depending on the vehicle. A private car needs very little. A rideshare car with a passenger needs $1 million. A motorcycle needs nothing to register.
If you were hurt in a crash, these minimums tell you how much insurance money may be there. Pick a vehicle type in the checker below. Redondo Law helps injured people across Florida find every policy that applies.
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Florida Insurance Requirements Checker
Pick the vehicle that hit you (or that you drive) to see Florida’s minimum required coverage.
General information on Florida’s minimum coverage rules. Call (305) 908-6778 for a free review of your case.
Quick answer
A private car in Florida must carry $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Bodily injury liability (BI), which pays people the driver hurts, is not required to register a car. Motorcycles need no insurance to register. Uber and Lyft drivers need $50,000/$100,000/$25,000 while waiting for a ride and $1 million during a ride. Taxis need $125,000/$250,000/$50,000. Commercial trucks need $50,000 to $300,000 by weight, and interstate carriers must meet federal minimums.
Private passenger cars
Every private car, SUV, pickup or van registered in Florida must carry at least:
- $10,000 in PIP, which pays 80% of your medical bills and 60% of lost income, no matter who caused the crash
- $10,000 in PDL, which pays for damage you cause to other people’s property
Coverage must stay in place the whole time the car is registered. Florida does not require BI to register a car. That means the driver who hit you may have no coverage for your injuries. Our Florida auto insurance guide explains each type of coverage.
When BI becomes required: financial responsibility rules
Florida’s financial responsibility law requires BI in some cases:
- After an at-fault injury crash. If a driver is charged with a moving violation in a crash with injuries and had no BI, the driver must buy $10,000 per person and $20,000 per crash in BI, plus $10,000 PDL and $10,000 PIP, and keep an SR-22 on file for 3 years. The driver must also get releases from the other people or post a deposit, or lose their license and registration.
- After a DUI conviction. The driver must carry $100,000 per person and $300,000 per crash in BI and $50,000 in PDL, or a $350,000 combined single limit, with an FR-44 on file for 3 years from reinstatement.
These rules apply after the fact. They do not add coverage for the crash that already happened. If a drunk driver hit you, see our drunk driver accident page.
Motorcycles
Florida does not require insurance to register a motorcycle, and motorcycles are not part of the PIP system. If a rider is charged in a crash with injuries and has no liability coverage, the rider must buy BI and PDL and keep it for 3 years, or face suspension. Read our full guide to Florida motorcycle insurance requirements.
Uber, Lyft and other rideshare drivers
Florida’s rideshare law sets coverage by what the driver is doing:
| Driver status | Minimum coverage |
|---|---|
| App off | Driver’s own policy: $10,000 PIP and $10,000 PDL |
| App on, waiting for a ride request | $50,000 BI per person, $100,000 per crash, $25,000 property damage, plus PIP; UM coverage must be included unless the policyholder rejects it in writing |
| Heading to a rider or carrying a rider | $1 million for death, bodily injury and property damage, plus PIP; UM coverage must be included unless the policyholder rejects it in writing |
Coverage can come from the driver, the company, or both. If the driver’s coverage lapses or falls short, the company’s insurance must cover the claim from the first dollar. Learn more on our Uber and Lyft accident page.
Taxis
Taxi owners follow a separate rule. They must carry at least $125,000 in BI per person, $250,000 per crash, and $50,000 in property damage liability.
Commercial trucks
Florida sets minimum combined BI and property damage coverage for commercial vehicles by gross vehicle weight. These amounts are in addition to other required insurance:
| Truck type | Minimum coverage per crash |
|---|---|
| 26,000 to under 35,000 lbs | $50,000 |
| 35,000 to under 44,000 lbs | $100,000 |
| 44,000 lbs or more | $300,000 |
| Interstate for-hire carrier, 10,001 lbs or more, general freight (federal) | $750,000 |
| Oil and many hazardous materials (federal) | $1,000,000 |
| Certain bulk hazardous materials, explosives and poison gas (federal) | $5,000,000 |
Trucks covered by federal rules must carry at least the federal minimums set by the Federal Motor Carrier Safety Administration (FMCSA). Truck cases often involve several policies. See our truck accident page.
Low-speed vehicles and golf carts
A low-speed vehicle (LSV) is a four-wheeled vehicle with a maximum speed over 20 mph and up to 25 mph. LSVs must be titled and registered and must carry $10,000 PIP and $10,000 PDL. They may only use streets posted at 35 mph or less.
Golf carts used under Florida’s golf cart law do not need to be registered, so the state’s PIP and PDL rule for registered cars does not reach them. If a golf cart crash hurt you, see our golf cart accident page.
What this means if you were hurt
Florida’s minimums are low. The driver who hit you may have no BI, or only $10,000. That rarely covers a serious injury. Your strongest protection is your own coverage:
- PIP pays first for your medical bills and lost income, up to $10,000.
- Uninsured/underinsured motorist (UM) coverage pays when the at-fault driver has no BI or not enough. Insurers must include it with any policy that has BI unless you reject it in writing. Read more about uninsured motorist claims.
- Commercial and rideshare policies may add much more money when a truck, taxi, Uber or Lyft is involved.
Our team looks for every policy: the driver’s, the vehicle owner’s, the employer’s, and your own. Most Florida injury claims from crashes after March 24, 2023 must be filed within 2 years, so start early.
Talk to Redondo Law
Redondo Law takes injury cases statewide. Before founding Redondo Law in 2019, Mike Redondo spent six years at Holland & Knight defending major corporations in catastrophic injury and wrongful death cases. Mike and his team give every case personal attention, and our team keeps you updated. We meet by phone or video, and if your injuries keep you from traveling, we come to you.
Frequently asked questions
What is the minimum car insurance in Florida?
$10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Bodily injury liability is not required to register a private car.
Do Florida drivers have to carry bodily injury coverage?
Not to register a car. BI becomes required after certain events, such as causing an injury crash without coverage or a DUI conviction.
How much insurance does an Uber or Lyft driver need in Florida?
With the app on and waiting for a ride, $50,000 per person, $100,000 per crash and $25,000 property damage. On the way to a rider or with a rider, $1 million. PIP is also required, and UM coverage must be included unless the policyholder rejects it in writing.
Is motorcycle insurance required in Florida?
Not to register. A rider who causes an injury crash without coverage must then buy liability coverage and keep it for 3 years.
How much insurance must a semi-truck carry?
In Florida, a commercial vehicle of 44,000 lbs or more needs at least $300,000. Interstate for-hire carriers hauling general freight need at least $750,000 under federal rules, and more for hazardous materials.
What if the driver who hit me had no insurance?
Your PIP pays first. Then your uninsured motorist coverage, if you have it, can pay for the rest of your losses. We also look for other policies that may apply.
Hurt by an uninsured driver, a truck, a rideshare car or a motorcycle anywhere in Florida? Call Redondo Law at (305) 908-6778, 24 hours a day, 7 days a week. The consultation is free, our team speaks English and Spanish, and there is no fee unless we win.
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