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In Florida, the minimum car insurance is 10/20/10: $10,000 per person and $20,000 per crash for injuries you cause, plus $10,000 for property damage. Required coverage: PD Liability, PIP. That's the legal floor; many drivers buy more because a serious crash can cost far more than the minimum pays.
Florida requires $10,000 property damage liability and $10,000 PIP (FLHSMV); bodily injury liability is required only in some cases. Florida requires property damage liability and personal injury protection (PIP), not bodily injury liability, for most drivers.
BI = bodily injury liability, PD = property damage liability, PIP = personal injury protection, UM/UIM = uninsured/underinsured motorist, MED = medical payments. Source: Florida Highway Safety and Motor Vehicles. Confirmed against the official source 2026-10-12. Confirm with Florida's DMV or insurance department.
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10/20/10 (PD Liability, PIP): $10,000 per person and $20,000 per crash for injuries you cause, plus $10,000 for property damage.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.