What auto insurance does Florida require, and what changes after a DUI?

What this assumes

• The vehicle is required to be registered and licensed in Florida, which is what the security requirement attaches to [1].

• The vehicle is not a school bus, limousine or taxicab, each of which the statute treats separately [1].

• You are asking what is required rather than what is advisable, which are different questions.

What changes the answer

• Whether the vehicle is a school bus, limousine or taxicab, since each is carved out or governed separately [1].

• Whether there has been a DUI conviction, which raises the required amounts and imposes a three-year period [4].

• Whether a crash has been reported, since suspension follows thirty days after notice absent proof of compliance [5].

• Whether security is provided by a policy or by another method authorised under section 324.031 and approved by the Department [1].

• Whether the policy provides PIP, in which case property damage liability must accompany it [6].

Where it varies by state, form, carrier, or fact

• These are Florida requirements and describe nothing about another state. Minimum limits, and whether bodily injury liability is required at all, vary considerably.

• These are statutory minimums rather than adequate amounts. Whether they are enough for a given household is a separate question this record does not answer.

• Commercial motor vehicles and nonpublic sector buses are governed by different sections, which section 324.021(7)(d) points to [2].

Next actions

1. Compare your declarations page against both sets of figures, since sections 324.021 and 324.022 state the requirement differently [2][3].

2. If there has been a DUI conviction, confirm the higher limits are in force and diary the three-year period [4].

3. After any crash, deal with the notice promptly, because suspension follows thirty days after receipt absent proof of compliance [5].

4. Do not treat the minimum as a target. It is the floor at which a vehicle may be registered, not a measure of the exposure.

Source ledger

6 sources. Every citation number above resolves to a record below. Nothing here sits behind an account.

1. [1]

   Florida Statutes Section 627.733 (2026) - Required security(opens the original record on The Florida Senate (flsenate.gov))

   The Florida Senate (flsenate.gov)Primary lawPrimaryJurisdiction FLLast checked August 31, 2026Updates: Re-verify each Florida legislative session.ID fl-stat-627-733

   What this source supports (4)

   • Section 627.733(1) provides that every owner or registrant of a motor vehicle, other than a motor vehicle used as a school bus or limousine, required to be registered and licensed in Florida shall maintain security as required by subsection (3) in effect continuously throughout the registration or licensing period.
   • Section 627.733(1) provides that owners of taxicabs are governed by the requirements of section 324.032(1) instead.
   • Section 627.733(3) provides that the required security may be provided by an insurance policy delivered or issued for delivery in Florida by an authorized or eligible motor vehicle liability insurer which provides the benefits and exemptions contained in sections 627.730 through 627.7405.
   • Section 627.733(3) also provides that the security may be provided by any other method authorized by section 324.031(2) or (3) and approved by the Department of Highway Safety and Motor Vehicles as affording security equivalent to that afforded by a policy of insurance, or by self-insuring.

   Active
2. [2]

   Florida Statutes Section 324.021 (2026) - Definitions; minimum insurance required(opens the original record on The Florida Senate (flsenate.gov))

   The Florida Senate (flsenate.gov)Primary lawPrimaryJurisdiction FLLast checked August 31, 2026Updates: Re-verify each Florida legislative session.ID fl-stat-324-021

   What this source supports (2)

   • Section 324.021(7) defines proof of financial responsibility as ability to respond in damages in the amount of $10,000 because of bodily injury to, or death of, one person in any one crash; subject to that limit for one person, $20,000 because of bodily injury to, or death of, two or more persons in any one crash; and $10,000 because of injury to, or destruction of, property of others in any one crash.
   • Section 324.021(7)(d) provides that with respect to commercial motor vehicles and nonpublic sector buses, proof of financial responsibility is in the amounts specified in sections 627.7415 and 627.742 respectively.

   Active
3. [3]

   Florida Statutes Section 324.022 (2026) - Financial responsibility for property damage(opens the original record on The Florida Senate (flsenate.gov))

   The Florida Senate (flsenate.gov)Primary lawPrimaryJurisdiction FLLast checked August 31, 2026Updates: Re-verify each Florida legislative session.ID fl-stat-324-022

   What this source supports (3)

   • Section 324.022(1) applies to every owner or operator of a motor vehicle required to be registered in Florida.
   • Section 324.022(1) sets the amount at $10,000 because of damage to, or destruction of, property of others in any one crash, or $30,000 for combined property damage liability and bodily injury liability for any one crash arising out of the use of the motor vehicle.
   • Section 324.022(1) provides that the requirement may be met by one of the methods established in section 324.031, by self-insuring as authorized by section 768.28(16), or by maintaining an insurance policy providing the specified coverage.

   Active
4. [4]

   Florida Statutes Section 324.023 (2026) - Financial responsibility for bodily injury or death after a DUI conviction(opens the original record on The Florida Senate (flsenate.gov))

   The Florida Senate (flsenate.gov)Primary lawPrimaryJurisdiction FLLast checked August 31, 2026Updates: Re-verify each Florida legislative session.ID fl-stat-324-023

   What this source supports (2)

   • After a DUI conviction Florida requires ability to respond in damages of $100,000 because of bodily injury to, or death of, one person in any one crash; subject to that limit for one person, $300,000 because of bodily injury to, or death of, two or more persons in any one crash; and $50,000 because of property damage in any one crash.
   • The higher post-DUI limits must be carried for a minimum period of 3 years, with the exemption conditioned on no further DUI or felony traffic conviction for 3 years from reinstatement of driving privileges.

   Active
5. [5]

   Florida Statutes Section 324.051 (2026) - Reports of crashes; suspensions of licenses and registrations(opens the original record on The Florida Senate (flsenate.gov))

   The Florida Senate (flsenate.gov)Primary lawPrimaryJurisdiction FLLast checked August 31, 2026Updates: Re-verify each Florida legislative session.ID fl-stat-324-051

   What this source supports (1)

   • Section 324.051 provides for suspension of licenses and registrations thirty days after receipt of notice of a crash unless the operator or owner shows compliance with the financial responsibility provisions of the chapter, and lists exceptions including that automobile liability insurance was in effect at the time of the crash, that the vehicle was legally parked, that the vehicle was government owned, that a written release from all injured parties exists together with compliance under section 324.031, and that security has been deposited with the department under section 324.061.

   Active
6. [6]

   Florida Statutes Section 627.7275 (2026) - Motor vehicle liability(opens the original record on The Florida Senate (flsenate.gov))

   The Florida Senate (flsenate.gov)Primary lawPrimaryJurisdiction FLLast checked August 31, 2026Updates: Re-verify each Florida legislative session.ID fl-stat-627-7275

   What this source supports (1)

   • Section 627.7275 provides that a motor vehicle insurance policy providing personal injury protection as set forth in section 627.736 may not be delivered or issued for delivery in Florida unless the policy also provides coverage for property damage liability as required by section 324.022.

   Active

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