Almost every state requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

You are required to show proof of the minimum insurance coverage to a police officer when you are stopped for a moving traffic violation or involved in a traffic accident—and you may receive a citation if you are not able to show proof of insurance. And in some states you are required to show proof of insurance to register your car. In those states, the failure to register your car may result in an additional citation.

In Florida, drivers are legally required to carry auto insurance to cover potential damages or injuries they may cause in an accident. The minimum insurance coverage required includes Personal Injury Protection (PIP) and Property Damage Liability (PDL). As of the knowledge cutoff in 2023, Florida law mandates that drivers have at least $10,000 in PIP and $10,000 in PDL coverage. Florida is a no-fault state, which means that PIP coverage is designed to cover the policyholder's own injuries regardless of who caused the accident. Drivers must provide proof of insurance when they are stopped for a traffic violation, involved in an accident, or when they are registering their vehicle. Failure to provide proof of insurance can result in penalties such as fines, license suspension, and vehicle impoundment. Additionally, driving without the required insurance or failing to register a vehicle due to lack of insurance can lead to citations and further legal consequences.