Florida: car insurance by state
Minimum car insurance each state requires, whether the state is no-fault, and how shared fault affects an injury claim.
| Minimum liability (bodily injury per person / per accident / property damage) | No bodily injury requirement; $10,000 property damage |
|---|---|
| Other coverage you must carry | Personal injury protection (PIP) $10,000 |
| Fault system | No-fault (PIP pays first; lawsuits limited) |
| Shared-fault rule | Modified comparative: barred at 51% fault or more |
| Shared-fault law | Fla. Stat. § 768.81 |
Bodily injury liability is not generally required. Repeal bills in 2025 and 2026 died, so PIP is still mandatory; reports of a July 1, 2026 repeal are wrong. Since March 24, 2023 a person more than 50% at fault recovers nothing (medical malpractice excepted).
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in Florida.
How we checked this
Liability limits were compared across two independent 50-state tables built from state insurance department filings; they agreed for every state. The shared-fault rule comes from a law-firm survey updated June 2026, with 2026 changes in Louisiana and New York confirmed separately. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.
Cross-checked sources agree Checked on official source confirmed on a government, court or legislature site From a statute-cited table one detailed source Under review sources disagree; read the note and the law.