Florida Auto Insurance Requirements

Apr 23 - 9 min

Navigating the complexities of insurance can seem daunting. However, understanding the specific requirements for auto, truck, motorcycle, and rideshare insurance is crucial for compliance and protection. Senft Injury Advocates is here to explain Florida auto insurance requirements in a simple and informative way.

Comprehensive Overview of Florida’s Auto Insurance Requirements

Vehicle TypeInsurance TypeRequired?Minimum Amount
AutoBodily Injury (1 person)Yes$10,000
Bodily Injury (2+ persons)Yes$20,000
Property DamageYes$10,000
*includes bicycles and pedestriansPersonal Injury Protection (PIP)Yes$10,000
Uninsured Motorist (per person)No
Uninsured Motorist (per crash)No
Trucks26,000lbs – 25,000lbsYes$50,000
35,000lbs – 44,000lbsYes$100,000
44,000lbs +Yes$300,000
Nonpublic Sector BusesBodily Injury (1 person)Yes$100,000
Bodily Injury (2+ persons)Yes$300,000
Property DamageYes$50,000
MotorcycleBodily Injury and Property DamageNo
Uninsured Motorist CoverageNo
Rideshare (TNC)Not Engaged in Ride (per person)Yes$50,000
Not Engaged in Ride (per incident)Yes$100,000
Property Damage (not engaged)Yes$25,000
Personal Injury Protection (medical)Yes$10,000
Personal Injury Protection (disability)Yes$5,000
Uninsured Motorist Coverage (not engaged; per person)Yes$50,000
Uninsured Motorist Coverage (not engaged; per incident)Yes$100,000
Engaged in Ride (all coverage)Yes$1,000,000

Required Auto Coverages and Limits

In Florida, the law is clear about the insurance motorists must carry. Here’s a breakdown of the mandatory coverage and minimum amounts:

  • Bodily Injury or Death (1 person): The state requires a minimum coverage of $10,000 for bodily injury or death to one person in an accident caused by the driver of the insured vehicle.
  • Bodily Injury (2 persons or more): For accidents involving two or more people, the minimum coverage amount doubles to $20,000.
  • Property Damage: To cover damages to another person’s property in the event of an accident, a minimum of $10,000 in coverage is required.
  • Personal Injury Protection (PIP): Florida’s no-fault insurance requires a minimum of $10,000 in PIP coverage. This insurance covers the driver, no matter who is at fault, and also includes protection for accidents involving bicycles and pedestrians.

Uninsured Motorist Coverage For Florida Drivers

While not mandated by state law, uninsured motorist coverage is an important consideration for Florida drivers. This insurance covers the driver regardless of fault and includes protection for accidents with bicycles and pedestrians.

Florida Commercial Auto Insurance Requirements

These requirements vary based on the vehicle’s use and weight, offering a tailored approach to ensure adequate coverage. Here is a breakdown of commercial auto insurance requirements in Florida:

Commercial Trucks

Recognizing the potential for significant damage in accidents involving commercial trucks, Florida law sets forth graduated liability insurance requirements based on the truck’s weight:

  • Trucks weighing between 26,000 to 35,000 lbs. are required to carry a minimum of $50,000 in liability insurance.
  • For trucks between 35,000 lbs. to 44,000 lbs., the insurance requirement increases to $100,000.
  • Heavier trucks over 44,000 lbs. must maintain at least $300,000 in coverage.

Nonpublic Sector Buses

Florida also addresses the unique risks associated with transporting passengers in nonpublic sector buses. Florida’s minimum insurance requirements for these vehicles are designed to ensure comprehensive protection:

  • A minimum of $100,000 in coverage is mandated for bodily injury or death to one person in an accident.
  • In situations involving bodily injury to two or more persons, the coverage requirement extends to $300,000.
  • Additionally, at least $50,000 in coverage is needed for property damage per accident, safeguarding against the financial implications of damages to third-party property.

Alternative Options For Auto Insurance in Florida

Instead of maintaining separate coverage amounts for bodily injury liability and property damage liability, operators have the option to carry a single policy. This policy must provide a combined sum of no less than $300,000 for bodily injury liability and property damage liability. This alternative insurance policy offers wider coverage, and is a more suitable choice for businesses that manage a fleet of vehicles or prefer streamlined insurance management solutions.

Florida Motorcycle Insurance

Interestingly, Florida does not require motorcycle owners to carry PIP insurance. However, carrying bodily injury liability insurance is highly recommended to protect against claims if you’re involved in an accident that results in injury to another person.

Rideshare Insurance Requirements in Florida

Florida rideshare insurance requirements change based on whether the driver is waiting for a ride request, en route to pick up a passenger, or during trips.

  • Personal Injury Protection (PIP): Florida mandates that rideshare drivers carry PIP coverage, which includes $10,000 for medical expenses and $5,000 for disability benefits. This coverage is crucial as it provides immediate medical coverage for drivers regardless of fault, ensuring that rideshare drivers are protected from the financial impact of injuries sustained while on the job. Florida also requires rideshare drivers to have uninsured motorist coverage.
  • While waiting for a ride request: Drivers need to have at least $50,000 for bodily injury per person, $100,000 per accident, and $25,000 for property damage.
  • During trips: The coverage requirement significantly increases to $1,000,000 for death, bodily injury, and property damage.

Senft Injury Advocates: Your Partner in Legal and Insurance Matters

Understanding these requirements is the first step towards ensuring you’re adequately protected, whether you’re on the road daily, operating a commercial vehicle, enjoying the freedom of motorcycle riding, or driving for a rideshare service. At Senft Injury Advocates, we’re dedicated to providing the clarity and support you need to navigate the legal landscape of auto insurance requirements in Florida.
For more detailed advice or assistance with insurance claims and personal injury cases in Florida, turn to Senft Injury Advocates. Our expertise and commitment to our clients’ well-being ensure that you’re not just meeting legal requirements but are also positioned for protection and peace of mind on the road. Contact us today and schedule your free consultation!

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Florida Auto Insurance Requirements