Florida at a glance
| Bodily injury liability (per person) | Not required for private passenger vehicles |
|---|---|
| Bodily injury liability (per accident) | — |
| Property damage liability | $10,000 |
| Personal injury protection (PIP) | Required |
| Uninsured motorist coverage | Not required (usually offered) |
| USDOT number for intrastate commercial vehicles | Generally required (thresholds vary) |
| Interstate for-hire trucking | Federal minimums apply: $750,000+ for general freight in trucks 10,001+ lbs |
Florida requires $10,000 PIP and $10,000 property damage but no bodily-injury liability for private passenger cars. Commercial vehicles are different: heavier trucks must carry combined liability limits that rise with gross weight (roughly $50,000 for 26,000–35,000 lbs and $100,000 above that), and intrastate for-hire carriers have their own filings.
State minimums vs. what businesses actually carry
Florida's minimum limitsare a legal floor for every registered vehicle. A single serious accident involving a work truck can exceed them many times over, and the business — not just the driver — can be sued for the difference. That's why contractors, delivery companies and trucking operations in Florida typically carry a $1,000,000 combined single limit, and why most commercial contracts require it.
Trucking in Florida
- Crossing state lines for hire? You need USDOT registration, MC operating authority, and a federal insurance filing (BMC-91X) — see the FMCSA requirement finder.
- Staying inside Florida? Florida generally requires intrastate commercial vehicles above certain weight or use thresholds to have a USDOT number, and may have its own authority and insurance filing rules. Check with the state's motor carrier office before you haul.
- Already have authority? Verify your filing with the DOT/MC insurance lookup.
Frequently asked questions
What is the minimum car insurance in Florida?
Florida requires $10,000 in property damage liability and personal injury protection, but no bodily-injury liability for private passenger cars. Commercial vehicles face higher requirements.
Do commercial vehicles in Florida need more than the state minimum?
Often, yes. Heavier trucks, for-hire carriers and passenger vehicles commonly face higher state or federal requirements, and most clients, brokers and lenders require $1,000,000 in liability regardless.
How much is commercial auto insurance in Florida?
It depends heavily on vehicle type and use — from roughly $1,500 a year for a business pickup to well over $10,000 for a for-hire truck. Try our cost estimator for a planning range, or request quotes for real numbers.
State requirements summarized October 2026 for general information. Laws and thresholds change; confirm with the Florida DMV or insurance department and a licensed agent.
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