Florida Car Insurance | USAA

Florida Coverage Requirements and Minimums

Florida is a no-fault state, which means no matter who caused the accident, your personal injury protection insurance will provide initial coverage for covered medical costs up to your policy limits.

Florida law requires drivers to have a minimum of:

  • $10,000 of Personal Injury Protection (PIP)

    This helps pay for your medical costs, no matter who’s at fault in the accident.

  • $10,000 of Property Damage Liability (PDL)

    This coverage helps pay for damages to other people’s property, including vehicles, homes and other buildings in accidents in which you’re found at fault.

Some drivers choose to have higher limits and carry additional coverages for more protection. If you’re responsible for injuries and damage totaling more than your policy limits, you may have to pay out of pocket.

A popular coverage option is roadside assistance,See note2 which can help if you’re broken down and need a tow. Many drivers also add rental reimbursement,See note3 which helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you’re making payments to a leasing company or a lender, they may also require you to carry collision coverage and comprehensive coverage.