Florida Car Insurance Requirements: PIP, PDL and the 14-Day Rule
Florida is still a no-fault state. You need $10,000 PIP and $10,000 property damage liability. What PIP pays, the 14-day rule, FR-44 and lapse penalties.
Updated October 7, 2026 · 7 min read
Key takeaways
- Florida requires $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL). Bodily injury liability isn't required for most drivers.
- Florida is still a no-fault state. Bills to repeal PIP in 2026 died in committee.
- PIP medical benefits only apply if you get initial treatment within 14 days of the crash.
- Coverage must stay active even when you're not driving the car. A lapse can suspend your license and registration for up to three years.
Florida's minimum car insurance
Any vehicle with a Florida registration must carry:
| Coverage | Required minimum |
|---|---|
| Personal injury protection (PIP) | $10,000 |
| Property damage liability (PDL) | $10,000 |
| Bodily injury liability | Not required for most drivers |
Florida is a no-fault state: your own PIP pays your initial injury costs regardless of who caused the crash. Taxis must carry higher bodily injury limits.
Many online articles say Florida repealed PIP. It hasn't. The 2026 repeal bills died in committee, so PIP and the no-fault system remain in effect.
What PIP pays, and the 14-day rule
- 80% of reasonable medical expenses, up to your $10,000 limit, but only if you get initial medical care within 14 days of the crash.
- Medical benefits are capped at $2,500 if a provider doesn't determine you had an emergency medical condition.
- 60% of lost income.
- A $5,000 death benefit.
Because $10,000 doesn't go far after a serious crash, and because bodily injury liability isn't required, many Florida drivers add bodily injury liability to protect their savings and uninsured motorist coverage to protect themselves.
Uninsured motorist coverage
Insurers must include uninsured motorist coverage at limits matching your bodily injury liability unless you reject it, or choose lower limits, in writing on a state-approved form.
Free, no obligation, about two minutes. Or call: Insured 1-888-773-7558 · Uninsured 1-844-900-2302
Keep coverage active, even when you're not driving
Florida requires continuous PIP and PDL coverage on any vehicle with a current registration, whether or not you drive it. Insurers must report new policies and cancellations to the state within 10 days, and coverage must come from an insurer licensed in Florida. If you stop driving a car, surrender the plate before canceling the insurance.
Penalties for a lapse
- Your driver's license and registration can be suspended for up to three years, and Florida doesn't issue hardship licenses for insurance suspensions.
- Reinstatement fees are $150 for a first suspension, $250 for a second and $500 for each one after that within three years.
FR-44 after a DUI
Florida uses an FR-44 filing, mainly after DUI convictions, instead of a standard SR-22. It requires much higher liability limits: $100,000 per person and $300,000 per accident for bodily injury and $50,000 for property damage, kept for at least three years. Read more in our SR-22 and FR-44 guide.
New to Florida?
New residents must title and register their vehicle within 10 days of establishing residency, with proof of insurance from a Florida-licensed insurer.
Is Florida's minimum enough?
Florida's required coverage doesn't pay for injuries you cause to other people. If you're found at fault in a serious crash, you can be sued for those costs. Adding bodily injury liability, uninsured motorist coverage and, for financed or leased cars, collision and comprehensive gives you real protection. Comparing quotes for the same coverage across several insurers is the best way to keep the cost down.
Frequently asked questions
Did Florida get rid of PIP?
No. As of October 2026, Florida still requires $10,000 of PIP. The 2026 bills to repeal it died in committee.
Is bodily injury liability required in Florida?
Not for most drivers. Florida requires PIP and property damage liability. Bodily injury liability can be required after certain crashes or violations, and with an FR-44.
What is the 14-day rule?
To use PIP medical benefits, you must get initial medical treatment within 14 days of the crash.
Sources
- Florida HSMV: Insurance requirements
- Florida Statutes §627.736 (PIP)
- Florida Statutes §324.022 (property damage liability)
- Florida Statutes §627.727 (uninsured motorist)
- Florida Statutes §324.0221 (reporting and reinstatement fees)
- Florida Statutes §324.023 (FR-44 limits)
- Florida Senate: SB 522 (2026) bill history
- Florida HSMV: New residents
How this guide was made: researched and drafted with AI assistance (Wren AI), and checked against the government and industry sources listed above. Wren AI is an AI tool, not a person or a licensed insurance agent.
This guide is general information, not insurance, legal or tax advice. Coverage, rules and prices vary by state, insurer and policy. Confirm details with a licensed agent before you buy. Read our editorial policy.