Commercial Auto Insurance in Florida
Commercial auto insurance in Florida starts with the same $10,000 of PIP and property damage every car needs, then goes up by vehicle weight and use. The minimum is not the same as enough coverage for a business. A lawsuit after a bad crash can cost far more.
Facts checked Oct. 20, 2026 against Florida law, FLHSMV and FMCSA.
What every Florida vehicle needs
Every vehicle with 4 or more wheels registered in Florida needs at least $10,000 of personal injury protection, or PIP. It also needs at least $10,000 of property damage liability. You need proof before you register. Keep the coverage in force the whole time the vehicle is registered.
Source: FLHSMV, Florida Insurance Requirements; Florida Statutes, s. 627.733(1)(a) , checked Oct. 20, 2026.
PIP of $10,000 is required on every commercial vehicle, whatever it weighs. It comes on top of any other coverage the law requires.
Source: FLHSMV procedure RS-33, revised Dec. 12, 2019 , checked Oct. 20, 2026.
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Minimums by vehicle weight
| Gross vehicle weight | Minimum bodily injury and property damage liability, combined |
|---|---|
| Under 26,000 pounds | None set by this law. The base PIP and property damage still apply. |
| 26,000 to under 35,000 pounds | $50,000 per accident |
| 35,000 to under 44,000 pounds | $100,000 per accident |
| 44,000 pounds or more | $300,000 per accident |
Source: Florida Statutes, s. 627.7415 , checked Oct. 20, 2026.
Split limits count when you register only if each limit meets or beats the combined amount.
Source: FLHSMV procedure RS-33, revised Dec. 12, 2019 , checked Oct. 20, 2026.
Florida law also sets basic amounts for proof that you can pay for a crash. They are $10,000 for injury to one person, $20,000 for 2 or more people and $10,000 for property damage in one crash. Commercial motor vehicles and nonpublic sector buses have higher amounts in other laws.
Source: Florida Statutes, s. 324.021(7) , checked Oct. 20, 2026.
Minimums by how you use the vehicle
| How it is used | Minimum liability |
|---|---|
| Taxi, limo, jitney or other for hire passenger vehicle | $125,000 per person, $250,000 per accident and $50,000 for property damage |
| Rideshare driver logged on and waiting for a ride | $50,000 per person, $100,000 per incident and $25,000 for property damage, plus PIP and uninsured motorist |
| Rideshare driver on a ride | $1 million |
| Nonpublic sector bus | $100,000 per person, $300,000 per accident and $50,000 for property damage, or one limit of at least $300,000 |
Source: Florida Statutes, s. 324.032(1); s. 627.748(7); s. 627.742; FLHSMV, Florida Insurance Requirements , checked Oct. 20, 2026.
For rideshare, the driver can provide the coverage. So can the rideshare company. Or both can share it.
Source: Florida Statutes, s. 627.748(7) , checked Oct. 20, 2026.
The bus law does not apply to school buses.
Source: Florida Statutes, s. 627.742 , checked Oct. 20, 2026.
Trucks and buses that cross state lines
Florida law says a vehicle under the federal motor carrier rules must carry at least the federal amounts. Those rules are 49 CFR part 387.
Source: Florida Statutes, s. 627.7415(4) , checked Oct. 20, 2026.
For trucks that haul across state lines, the federal amounts are:
- $750,000 for a for hire truck hauling general freight at 10,001 pounds or more
- $300,000 for a for hire truck hauling general freight under 10,001 pounds
- $1,000,000 for oil and some hazardous materials
- $5,000,000 for some hazardous materials, for hire or private
Source: 49 CFR 387.9; FMCSA, Insurance Filing Requirements , checked Oct. 20, 2026.
For hire passenger carriers that cross state lines need $1,500,000 for a vehicle that seats 15 or fewer. They need $5,000,000 for one that seats 16 or more. The count includes the driver.
Source: 49 CFR 387.33 , checked Oct. 20, 2026.
When a filing is needed
If you need federal operating authority, FMCSA says your insurer files the proof for you. The forms are:
- Form BMC 91, 91X or 82 for liability, for trucks and passenger carriers
- BMC 34 or 83 for household goods cargo
- BMC 84 or 85, a $75,000 bond or trust, for brokers and freight forwarders
Source: FMCSA, Insurance Filing Requirements (last updated March 26, 2026) , checked Oct. 20, 2026.
For hire and interstate motor carriers need the MCS 90 endorsement on their policy. With a surety bond, it is the MCS 82.
Source: FMCSA, Insurance Filing Requirements (49 CFR 387.15) , checked Oct. 20, 2026.
Want to register a commercial vehicle in Florida? Your proof must show the policy number. It must also show the coverage, including PIP. FLHSMV takes a certificate of liability insurance. They also take an ACORD form, the policy, a binder or a Form E.
Source: FLHSMV procedure RS-33, revised Dec. 12, 2019 , checked Oct. 20, 2026.
FLHSMV does not take an insurance affidavit. They also do not take a policy marked scheduled auto that leaves out the VIN.
Source: FLHSMV procedure RS-33, revised Dec. 12, 2019 , checked Oct. 20, 2026.
Proof of insurance in the vehicle
Florida law says drivers must have proof of insurance with them and show it to an officer who asks. A policy, binder, certificate of insurance, or proof on a phone counts. Showing your phone does not let the officer look at anything else on it.
Source: Florida Statutes, s. 316.646 , checked Oct. 20, 2026.
If your PIP and property damage coverage lapses, FLHSMV says your license and plate can be suspended for up to 3 years. Getting them back can cost up to $500.
Source: FLHSMV, Florida Insurance Requirements , checked Oct. 20, 2026.
Florida commercial auto carriers
We are still checking which of our companies sell commercial auto.
See all of the ones we track on our list of Florida commercial insurance companies.
Shopping for your own car? See our list of Florida auto insurance companies.
Questions people ask about commercial auto insurance in Florida
What is the minimum commercial auto insurance in Florida?Every vehicle needs at least $10,000 of PIP and $10,000 of property damage liability.
A commercial motor vehicle of 26,000 pounds or more needs more: $50,000, $100,000 or $300,000 per accident, by weight. The minimum is not the same as enough coverage for a business.
Source: FLHSMV, Florida Insurance Requirements; Florida Statutes, s. 627.7415, checked Oct. 20, 2026.
How much insurance does a 26,000 pound truck need in Florida?Florida law says a commercial motor vehicle of 26,000 pounds or more, but under 35,000, needs at least $50,000 per accident.
That is bodily injury and property damage liability combined. It also needs $10,000 of PIP.
Source: Florida Statutes, s. 627.7415; FLHSMV procedure RS-33, revised Dec. 12, 2019, checked Oct. 20, 2026.
Do I need PIP on a commercial vehicle in Florida?Yes.
PIP of $10,000 is required on every commercial vehicle, whatever it weighs. It comes on top of any other coverage the law requires.
Source: FLHSMV procedure RS-33, revised Dec. 12, 2019, checked Oct. 20, 2026.
How much insurance does a Florida taxi or limo need?Florida law says at least $125,000 per person, $250,000 per accident and $50,000 for property damage.
Source: Florida Statutes, s. 324.032(1), checked Oct. 20, 2026.
What insurance do rideshare drivers need in Florida?While logged on and waiting for a ride, at least $50,000 per person, $100,000 per incident and $25,000 for property damage, plus PIP and uninsured motorist.
During a ride, at least $1 million. The driver, the rideshare company, or both can provide it.
Source: Florida Statutes, s. 627.748(7), checked Oct. 20, 2026.
Who files my BMC 91 or MCS 90 with FMCSA?Your insurance company files the BMC 91 (or 91X or 82) with FMCSA for you, when you need federal operating authority.
The MCS 90 is an endorsement on the policy itself. For hire and interstate motor carriers need it.
Source: FMCSA, Insurance Filing Requirements, checked Oct. 20, 2026.
Can I show proof of insurance on my phone in Florida?Yes.
Florida law lets you show proof on a phone or other device. Showing it does not let the officer look at anything else on your phone.
Source: Florida Statutes, s. 316.646, checked Oct. 20, 2026.
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