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Liability Insurance — Florida

Liability insurance pays for injuries and property damage you cause to others in an accident — it does not cover your own vehicle or medical bills.

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What Is Liability Insurance Insurance?

Liability insurance is the only auto coverage Florida law requires. It pays when you cause an accident and someone else gets hurt or their property gets damaged. Bodily injury liability covers medical bills, lost wages, and legal fees for people you injure. Property damage liability covers repair costs for vehicles, buildings, or other property you damage. Your own injuries and vehicle damage are not covered — liability only protects others.

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Who Needs Liability Insurance Insurance?

Liability insurance is required for all Florida drivers, including those reinstating after suspension. You must carry it to satisfy SR-22 filing requirements, hardship license conditions, and full reinstatement.

If you are applying for reinstatement or a hardship license, you need liability coverage now — the state will not process your application without proof of insurance or an SR-22 filing. If you do not own a vehicle, get a non-owner policy to satisfy the requirement without paying for vehicle coverage you do not need.

How Much Does Liability Insurance Insurance Cost?

Length of suspension — drivers reinstating after suspensions longer than 12 months face higher rates for the first policy term.

Related Coverage Types

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Hardship License Insurance→

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High-Risk Auto Insurance→

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Non-Owner SR-22→

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