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Florida’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Florida:

Is it mandatory to have car insurance in Florida?


What are the minimum limits for Florida? 

$10,000 Property damage per accident $10,000 Personal Injury Protection

Dairyland® coverage in Florida

At Dairyland, we’re proud to be able to help drivers in Florida meet their insurance needs. Here are some of the parameters of our insurance coverage in Florida:

What is the maximum bodily injury liability and property damage limit Dairyland offers in Florida?

$100,000 bodily injury per person
$300,000 bodily injury per accident 
$50,000 property damage per accident



What liability coverages are required to be offered in Florida? Can a customer reject them?

Property Damage and Personal Injury Protection must be offered and can’t be rejected. Bodily Injury and Uninsured Motorist Bodily Injury must be offered, but they can be rejected.

What are all the coverages Dairyland offers in Florida?

  • Bodily Injury 
  • Property Damage
  • Uninsured Motorist Bodily Injury
  • Uninsured Motorist Bodily Injury (non-Stacked and Stacked)
  • Medical Payments
  • Personal Injury Protection
  • Comprehensive
  • Collision
  • Special Equipment
  • Towing and Labor
  • Rental Reimbursement
  • Lienholder Deductible

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in Florida?

20 years 

How far back does Florida go to look at violation history?

3 years

What additional policy types are offered in Florida? 

Named Non-Owner

Is an insurance score used in my rating in Florida? If so, is it mandatory?

Yes, it’s used in Florida, but is not mandatory.

What policy terms does Dairyland offer in Florida?

6 months. One year for Named Non-Owner

What is Dairyland’s minimum down payment option in Florida?

33% down payment without electronic funds transfer, 16.6% down payment on Named Non-Owner with electronic funds transfer.

Are SR22s and/or FR44s used in Florida?  If so, is there a fee assessed by Dairyland? Is it filed electronically? 

Both SR22s and FR44s are used in Florida. They are filed electronically with no fees. 

What discounts are available from Dairyland in Florida?

  • Prior insurance
  • Homeowners
  • Multi-car
  • Advanced quote
  • Defensive driver
  • Anti-lock brakes
  • Air bag
  • Anti-theft
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