Florida guide · 6 min read
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Florida coverage checker
Answer the two questions. The result is the coverage Florida publishes for that situation. It is not a quote and it is not a price.
General information, not legal or insurance advice.
Coverage checker
What Florida publishes for that answer
Registration floor for a typical personal vehicle
- Personal injury protection (PIP): at least $10,000.
- Property damage liability (PDL): at least $10,000.
- These are coverage limits for a vehicle with at least four wheels, from the FLHSMV insurance page. They are not a price.
Ask about, if you want them
- Uninsured motorist coverage. It is not the registration pair.
- Comprehensive. The Florida CFO auto claim guide says flood damage to your own car still needs comprehensive, and only if the policy does not exclude flood.
- Collision, for crash damage to your own car. A lender can require comprehensive and collision. That requirement is the loan, not the state floor.
- Bodily injury liability on a typical personal car, when an FR-44 or a taxi rule does not already require it.
These amounts are coverage limits, not a price and not a quote.
General information, not a decision that your file meets Florida law.
Choose taxi or other for-hire if that is the vehicle. The personal-car pair above is the FLHSMV registration floor for a typical four-wheel vehicle.
Bodily injury liability is not part of the standard registration pair. A lender, a taxi registration, or an FR-44 can require it.
Sources
The personal-car pair
Before you register a vehicle with at least four wheels, Florida Highway Safety and Motor Vehicles, Insurance Requirements says you show Personal Injury Protection and Property Damage Liability. The page states a minimum of $10,000 of PIP and a minimum of $10,000 of PDL. Those are coverage limits, not a premium. Checked October 24, 2026.
The longer table, including what the $10,000 of PIP can pay, is on What Florida requires to register a car. Florida PIP and PDL is the plain-English version.
FR-44 limits
Florida Statutes section 324.023 (2026) requires $100,000 because of bodily injury to or death of one person in one crash, $300,000 for two or more people in one crash, and $50,000 of property damage in one crash. The higher limits must be carried for at least 3 years. They apply to an owner or operator found guilty of, or who pleaded guilty or no contest to, a DUI under section 316.193 after October 1, 2007, even if adjudication was withheld.
FLHSMV, DUI frequently asked questions calls that certificate form FR-44 and says you maintain it for three years from reinstatement. The FAQ also says the form can show combined single limits of $350,000. The statute says a certificate of deposit used instead of a policy must be at least $350,000.
The DUI FAQ prints the first figure as "$100,00". That is a missing zero on the page. The statute says $100,000, and so does the FLHSMV sanction verification criteria. This checker uses $100,000.
FLHSMV, verification criteria for financial responsibility sanctions describes the FR-44 proof as 100/300/50 bodily injury and property damage plus PIP. It also says those verification requests are about the person, not a VIN. Read Florida FR-44 insurance before you request the quote if a letter used those words.
Taxi and other for-hire limits
Florida Highway Safety and Motor Vehicles, Insurance Requirements says vehicles registered as taxis must carry bodily injury liability of $125,000 per person, $250,000 per occurrence, and $50,000 of property damage liability. That sentence does not say the $10,000 PIP rule is dropped.
Florida Statutes section 324.032 (2026) is the for-hire statute. Subsection (1)(a) uses the same $125,000/$250,000/$50,000 minimum for an owner or lessee who must maintain insurance under section 627.733(1)(b) and who operates taxicabs, limousines, jitneys, or other for-hire passenger transportation vehicles. Subsection (1)(b) is a different proof path for some limousines, jitneys, and other for-hire vehicles that are not taxicabs. The checker does not pick the subsection for you.
Optional coverages to ask about
None of those optional names is a price. The quote form is how a provider sees your own file.
- Bodily injury liability, when you are not already in an FR-44 or taxi filing.
- Uninsured motorist. Florida uninsured motorist explains it. It is not the registration pair.
- Comprehensive, if you want flood, theft, or other damage to your own car reviewed. Hurricane and flood damage cites the CFO rule.
- Collision. A lender can require comprehensive and collision. That is the loan, not the state floor.
Questions drivers ask
What does Florida require to register a typical car?
At least $10,000 of PIP and $10,000 of property damage liability for a vehicle with at least four wheels, from an insurer licensed in Florida or an FLHSMV self-insurance certificate. That pair is on the FLHSMV insurance page.
What limits does an FR-44 use?
Section 324.023 requires $100,000 and $300,000 of bodily injury liability and $50,000 of property damage, for at least 3 years, after a DUI after October 1, 2007. FLHSMV calls the certificate an FR-44.
Are taxi limits the same as a personal car?
No. The FLHSMV insurance page lists $125,000 per person, $250,000 per occurrence, and $50,000 property damage for vehicles registered as taxis. Other for-hire vehicles are in section 324.032, which is not one number for every vehicle.
Does this checker show a price?
No. Every dollar figure on this page is a coverage limit from FLHSMV or a statute. Request a quote if you want a provider to review your file.
Use your ZIP on the form. The request is tagged from this checker so the follow-up knows where you started.
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Submitting information is a request for a quote, not an application for or guarantee of coverage.