Insurance requirement guides for Florida.
No single statutory minimum
Requires $10,000 personal injury protection and $10,000 property damage liability, and no bodily injury liability for most drivers, so there is no bodily-injury/property-damage triple to list.
How the dataset handles thisInsurance regulation
Registration and insurance verification
Florida's legal minimum has no bodily injury liability, yet leases ask for $100K/$300K/$50K. A Florida statute protects the leasing company only at those limits.
Florida has no state law requiring boat insurance, but marinas commonly require liability cover and lenders require hull coverage. With 900,000+ registered vessels and high accident rates, coverage is essential.
Florida requires $10,000 PIP and $10,000 PDL for LSV-classified golf carts on public roads. Standard golf carts under 20 mph have no state insurance mandate — but HOA rules and accident liability make coverage essential.
NPs are required to carry professional liability insurance by virtually all employers and credentialing organizations. Standard minimum is $1M/$3M — but employer coverage alone won't protect your license.
FR-44 is required in Florida and Virginia after DUI convictions. Learn what coverage is required, how it differs from SR-22, how long you must maintain it, and what it costs.
Florida does not legally require motorcycle insurance, but riders face full financial liability for at-fault accidents. Learn what coverage Florida motorcyclists should carry and when it becomes required.
Most states attach no insurance rule to small unlicensed jobs, but Utah requires liability insurance above $3,000. Unlicensed limits by state: $1,000 in CA, AZ, NV and OR, $2,500 in FL, $7,000 in UT.
Interstate for-hire freight needs $750,000 federally. A truck that never leaves its state follows that state's rule instead: $50,000 in Florida, $500,000 in Texas, $1,500,000 in New Jersey.
Most bakeries are legally required to carry only workers' comp. Liability cover comes from leases and markets, and home bakers answer to cottage food caps: $250,000 in Florida, $75,000–$150,000 in California.
Texas, Ohio and Florida make liability insurance an HVAC license condition; California requires a $25,000 bond instead; Georgia's cities may not impose insurance at all. The state-by-state rules.
Texas requires $300,000 per occurrence of licensed daycares, but lets uninsured providers operate after telling parents. California homes can use parent affidavits instead of insurance.
Florida requires PIP and property damage liability—but no bodily injury coverage. Learn the state's no-fault rules, FR-44 requirements, and why minimums leave dangerous gaps.
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Every guide on this page covers a Florida requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each Florida guide on this site is checked against that same figure. The regulators linked above are where Florida publishes the rules, so they are the place to confirm anything before you rely on it.
