in Indiana, Illinois and Florida
Vehicles
Ordinary registration rules differ significantly by state. Legal minimums are not necessarily recommended coverage levels, and higher limits may be appropriate based on the assets and risks a driver needs to protect. See our Personal Auto Insurance options.
The ordinary liability minimum is 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage. Newly written policies include uninsured and underinsured motorist coverage unless it is properly rejected in writing.
The ordinary liability minimum is 25/50/20: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $20,000 property damage. Uninsured motorist bodily injury coverage must be at least 25/50.
The ordinary registration requirement is $10,000 in Personal Injury Protection and $10,000 in Property Damage Liability. Bodily Injury Liability is not universally part of that basic minimum. Financial-responsibility requirements can arise after certain crashes or violations, and DUI rules are higher.
Indiana standard motorcycles use the ordinary 25/50/25 motor-vehicle baseline; that should not be generalized to every small motor-driven cycle. Illinois motorcycles use 25/50/20. Florida does not impose a universal ordinary motorcycle liability or PIP registration minimum, and PIP is not available on motorcycle policies. Florida riders age 21 or older who ride without a helmet must have at least $10,000 in qualifying medical insurance or medical-payments protection. Explore Motorcycle Insurance.
Indiana self-propelled motorhomes use the ordinary 25/50/25 baseline. Illinois RVs use 25/50/20. Florida self-propelled registered four-wheel motor vehicles generally use $10,000 in PIP and $10,000 in Property Damage Liability. These vehicle rules are separate from insurance for a mobile or manufactured home. Explore RV and Motorhome Insurance.
Homes and property
Indiana, Illinois, and Florida do not impose a universal state-law purchase minimum for ordinary homeowners, although lenders commonly require Home Insurance. Indiana and Illinois guidance often references carrying coverage equal to at least 80% of replacement value to avoid adverse claim settlement; this is guidance, not a statutory purchase minimum.
Florida law does not generally require homeowners insurance, though lenders usually do. Florida-regulated homeowners policies must include Ordinance and Law coverage of at least 25% of dwelling coverage and offer 50%. This is a required policy provision, not a statement that every homeowner must buy “25% more insurance.”
Florida unit-owner policies must include at least $2,000 in Loss Assessment Coverage with a deductible no greater than $250 for that coverage. Responsibilities also depend on the association master policy and governing documents. Illinois requires condominium associations—not individual unit owners—to carry full insurable replacement-cost property coverage and at least $1 million in general liability coverage. A board may separately require unit-owner coverage. Indiana does not impose a universal statewide dollar minimum for unit-owner policies. Review Condo Insurance.
There is no general statewide statutory purchase minimum for Renters Insurance in Indiana, Illinois, or Florida, although a lease or landlord may require it. There is also no universal statewide purchase minimum for Mobile and Manufactured Home Insurance; requirements commonly come from a lender, community or park, insurer underwriting, or flood-zone factors.
The three states do not impose a general statewide insurance mandate for every ordinary private recreational boat. Boat Insurance may still be required by a lender, marina, lease, or commercial operation.
Nationwide, flood insurance can be required for certain properties in a Special Flood Hazard Area when the mortgage is federally regulated, insured, or backed. A lender may also require flood coverage for property outside those areas. Standard homeowners and other property policies generally do not cover flooding.
Commercial coverage
Commercial Auto Insurance cannot be reduced to one universal table. Indiana’s ordinary baseline is 25/50/25, and Illinois’s ordinary baseline is 25/50/20, but higher or special rules may apply. Requirements can depend on vehicle weight, cargo or passenger use, contracts, where vehicles operate, and federal motor-carrier rules.
Florida includes these examples for heavier commercial vehicles:
Federally regulated carriers may need much higher limits depending on their operation and cargo.
There is no universal statewide Commercial Property Insurance or General Liability Insurance minimum for every business. Requirements may arise from the industry or profession, a license, contract, landlord, lender, customer, or government rule.
There is no universal surety-bond minimum. A bond’s form and amount depend on the obligee, license, permit, contract, public work, court obligation, or profession. If a bond is required, the exact form and amount supplied by the requesting party are important. Learn about Surety Bonds.
Individual coverage
Indiana, Illinois, and Florida do not impose a general state-law minimum amount of Life Insurance that an individual must purchase. The amount selected should reflect the people, income, debts, and future obligations the policy is intended to protect.
Medicare Supplement Insurance, also known as Medigap, is not mandatory. Standardized plan structures and benefits are regulated; that standardization does not create a required purchase amount.
An agent can help identify which state, policy, vehicle, property, or contractual requirements apply to your situation.
