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Cheapest Car Insurance in Florida for 2026

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What Happens to Car Insurance After a DUI Conviction

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Florida is a no-fault state: most drivers need only $10,000 PIP and $10,000 property damage liability, with no bodily injury coverage. A 51% fault bar applies.

Minimum liability0/0/10
Fault systemNo-fault — your own PIP pays the first $10,000 of injury costs; you can sue for pain and suffering only for permanent injury, significant scarring or death
PIP requiredYes — $10,000 (pays 80% of medical bills and 60% of lost income) plus a $5,000 death benefit (Fla. Stat. § 627.736)
Uninsured motorist requiredNo — if you buy bodily injury liability, insurers must offer UM at the same limits; you can reject or lower it in writing

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