# Florida minimum auto liability insurance

For Florida minimum auto liability insurance, state is Florida; issuing authority is Florida Department of Highway Safety and Motor Vehicles; notes is Florida does not require a standard bodily-injury liability minimum for private passenger vehicles; instead it requires a minimum of $10,000 in Personal Injury Protection (PIP), a no-fault coverage, and a minimum of $10,000 in Property Damage Liability (PDL). Taxis must additionally carry bodily injury liability (BIL) of $125,000 per person, $250,000 per occurrence and $50,000 for PDL, recorded from its source on 2026-08-10.

- **State:** Florida _(our reading, not quoted from the source)_
- **Issuing authority:** Florida Department of Highway Safety and Motor Vehicles _(verified: appears in the quote below)_
- **Notes:** Florida does not require a standard bodily-injury liability minimum for private passenger vehicles; instead it requires a minimum of $10,000 in Personal Injury Protection (PIP), a no-fault coverage, and a minimum of $10,000 in Property Damage Liability (PDL). Taxis must additionally carry bodily injury liability (BIL) of $125,000 per person, $250,000 per occurrence and $50,000 for PDL.

## What the source says

> have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL. Vehicles registered as taxis must carry bodily injury liability (BIL) coverage of $125,000 per person, $250,000 per occurrence and $50,000 for (PDL) coverage.

## Source

- https://www.flhsmv.gov/insurance/

Last verified: 2026-08-10. Review by: 2027-02-06.
Part of [Minimum auto liability insurance limits by state](https://referencesource.org/auto-insurance-minimums/).