What are Florida SR22 liability minimums?
Florida requires minimum liability coverage of $10,000 per person / $20,000 per accident bodily injury + $10,000 property damage (plus $10,000 PIP and $10,000 PDL) for an SR22 filing.
Florida Minimum Coverage
To satisfy Florida’s SR22 requirement, your auto insurance policy must carry at least:
- Bodily Injury: $10,000 per person / $20,000 per accident
- Property Damage: $10,000 per accident
Florida is a no-fault state with mandatory PIP coverage.
Are Minimums Enough?
State minimums represent the legal floor — the least amount of coverage the state will accept for your SR22 filing. You can carry higher limits if you choose, and your carrier may recommend higher coverage based on your situation.
Keep in mind: if you cause an accident and the damages exceed your coverage limits, you’re personally responsible for the difference. Minimum coverage satisfies the SR22 requirement, but higher limits provide better protection.
Florida SR22 Duration
Florida’s SR22 filing requirement lasts 3 years from suspension date. Your coverage must remain continuous for the entire period — any lapse triggers a license suspension.
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