Florida’s minimum auto coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida license plate. However, you should explain to your agent why you want the minimum as many other financial aspects of your life could be at risk if you’re involved in a major accident. If you have a family, the risks are even greater. Make sure you and your loved ones are adequately protected . . .