Florida Auto Insurance Requirements — What Drivers Need to Know in 2026
Florida’s auto insurance laws are changing, and every driver needs to understand what coverage is required to stay compliant and protected. Whether you’re a full‑time resident, seasonal driver, or business owner with commercial vehicles, these updates affect how you insure your car — and how claims are handled after an accident.
At Island Insurance Specialists, we’re here to make the new rules simple and help you choose the right coverage for your needs.
📝 Florida’s Required Auto Insurance Coverage
Florida drivers must carry:
✔️ Bodily Injury Liability (BIL)
Pays for injuries you cause to others. Many carriers require it even though the state does not.
✔️ Property Damage Liability (PDL) — $10,000 minimum
Covers damage you cause to someone else’s vehicle or property.
✔️ Personal Injury Protection (PIP) — $10,000 minimum
Florida is still a no‑fault state, meaning PIP pays for your medical expenses regardless of who caused the accident.
PIP typically covers:
• 80% of medical bills
• 60% of lost wages
• $5,000 death benefit
