Florida Auto Insurance Guide
Get affordable Florida auto insurance quote rates for free.
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Get affordable Florida auto insurance quote rates for free.
Call Now: (866) 845-3808
From Pensacola to Jacksonville, Tallahassee to the Keys, Florida has thousands of miles of roadways. They’ll take you from Orlando to the Everglades, from Panama City to Daytona Beach. They’re used by more than 14 million licensed drivers, who each put in an average of 10,000 miles a year. Along the way, those drivers are involved in thousands of traffic accidents every year, including many that result in serious injury or death. Wherever you live and drive in the Sunshine State, carrying adequate car insurance is both a legal requirement and commonsense protection. This is your guide to Florida’s basic vehicle insurance requirements and laws.
Florida state law requires you to carry a minimum amount of car insurance. Failure to do so can result in severe penalties that may include monetary fines and jail time. Florida is a no-fault state. That means your insurance will pay your injury claims up to a specified limit, regardless of who caused the accident. Under a no-fault system, you lose some of your rights to sue for damages.
The bare minimum car insurance requirement for Florida drivers is:
Florida does not require you to carry additional coverage such as Uninsured/Underinsured Motorist or Collision and Comprehensive. However, If you own property or other valuable assets, supplementing the minimum requirements can help you protect yourself from monetary loss.
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You are required by law to carry proof of Florida car insurance in your car and show it if a law enforcement officer asks to see it. Failure to do so can result in fines of $150 to $500 and a suspension of your driver’s license of up to three years. If you are involved in an accident without insurance and found to be at fault, you can be held liable for all costs associated with the other driver’s bodily and property injuries. Your driving privileges can be suspended until those damages are paid.
Vehicle insurance premiums are regulated by the Florida Office of Insurance Regulation. Insurance companies are allowed to charge premiums and award discounts based on a number of factors that can include:
Florida also allows insurers to consider your credit rating to determine your premium.
You may be able to lower the cost of your premiums in the following ways:
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Laws regarding driving and car insurance can change frequently. It is your responsibility to stay current about the legal requirements in Florida. The following laws have recently been enacted in Florida and may affect your insurance coverage decisions.
Florida Office of Insurance Regulation
Florida Department of Highway Safety and Motor Vehicles