States
Florida minimum car insurance: 10/20/10
At least $10,000 per person, $20,000 per accident and $10,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Florida minimum: 10/20/10 · No-fault
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$125,000
- Total damages: $155,000
- Injury paid by the policy: $20,000 (per-person cap reached)
- Property paid by the policy: $10,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Florida's financial responsibility statute, section 324.021, gives the lowest injury figures we read: $10,000 for one person and $20,000 per crash, with $10,000 for property. Section 627.733 requires owners of registered vehicles to keep security in effect throughout the registration period, and a nonresident's car needs it once it has been in the state for more than 90 of the past 365 days. Section 627.736 sets personal injury protection at a limit of $10,000 in medical and disability benefits and $5,000 in death benefits. After certain DUI convictions, section 324.023 lifts the requirement to $100,000 per person, $300,000 per crash and $50,000 for property. People often call that an FR-44, but the section we read does not use that name. The state's motor vehicle agency was not read here, so nothing on this page rests on its site.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Florida
Florida sits at the low end of what we read: 37 states ask for more per person. A policy bought here at the floor can fall short the day its owner moves away.
$10,000 is the most the policy pays for one injured person. $20,000 is the most it pays for everyone hurt in the crash. $10,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $10,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $20,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $10,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Florida.
What else we read for Florida
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Personal injury protection up to $10,000 in medical and disability benefits and $5,000 in death benefits (F.S. 627.736). | official text |
| Other required or offered cover | Not verified | None read |
| Penalties | Not verified | None read |
| SR-22 or similar filing | After certain DUI convictions, the amount rises to $100,000 per person, $300,000 per crash and $50,000 for property (F.S. 324.023). The section does not use the name FR-44. | official text |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.