Since Florida is a “no-fault” state they require drivers to carry Personal Injury Protection or (PIP) insurance. PIP insurance is going to cover the costs of doctor bills or the loss of wages from not being able to work. As with other states there are exceptions to the rule for PIP insurance.
If the amount of damages or medical costs are exorbitant then the other party is able to bring the “at-fault” driver to court for the financial loss.
Even though Florida is a no-fault state their minimum requirements are lower than average which are as follows:
Car Insurance Minimums in Florida
Table of Contents
- 1 Car Insurance Minimums in Florida
- 2 Bodily Injury Liability:
- 3 Property Damage Liability:
- 4 Average Premium Rate Hike for a DUI
- 5 Local Car Insurance Agents in Florida
|Coverage||Florida Minimum Liability Coverage||Recommended Auto Insurance Coverage|
|Bodily Injury Protection||$10,000 / $20,000||$100,000 / $200,000|
|Personal Injury Protection||$10,000||$100,000 / $200,000|
|Uninsured Motorist||N/A||$100,000 / $200,000|
|Comprehensive Coverage||N/A||$250 deductible|
|Collision Coverage||N/A||$500 deductible|
Bodily Injury Liability:
Bodily injury liability minimum for a single person is $10,0000 and up to $20,000 dollar if the passenger in the other vehicle are injured.
Property Damage Liability:
$10,000 of property damage liability is required to cover any physical damages to the other automobile, and other private and non-private property that’s damaged.
Florida would be listed as 10/20/10 minimum cover plus PIP insurance to be legal to drive.
Most Affordable Insurance Companies in Florida
|Rank||Auto Insurance Company||Annual Premium|
|1||Florida Farm Bureau Insurance||$421|
Chart 1 – Comparison of Cheapest Car Insurance Companies
Chart 2 – Secondary Comparison of Insurance Companies
Uninsured Motorist Protection
Florida has a high uninsured motorist rate therefore it would be a good idea to consider uninsured motorist cover in the unlikely event you are in an accident with a driver who does not have insurance or adequate amount to cover the expenses.
Florida is another state with an extremely high amount of drivers in cities with high population such as Miami, Jacksonville, Tampa, Orlando, and Pensacola. Not only state residents, but also those who travel to the state.
Comprehensive and collision cover is recommended by the state particularly if you have a newer vehicle. Comprehensive is going to protect your vehicle in all “non-collision” type of accidents.
Comprehensive is also known as “non-collision” coverage. Collision coverage will protect the vehicle is you have an accident with a road sign or another non-vehicular object.
Average Premium Rate Hike for a DUI
|Annual DUI Arrests||DUI Legal Limit||Average DUI Cost||Average Premium Rate Hike|
If you are traveling to Florida you would want to tell your insurance company since many drivers go to the state via their own car. You may want to consult with your insurance broker to be sure you are adequately protected while visiting the sunny state.
Local Car Insurance Agents in Florida
Click on any link to find local agents
|City||Avg Premium||City||Avg Premium|
|Boynton Beach||$1,964||Miami Beach||$2,983|
|Cape Coral||$1,679||Miami Gardens||$3,113|
|Coral Springs||$2,344||North Miami City||$2,757|
|Delray Beach||$1,943||Palm Bay||$1,768|
|Fort Lauderdale||$2,425||Pembroke Pines||$2,476|
|Hollywood||$2,378||Port St. Lucie||$1,955|
|Melbourne||$998||West Palm Beach||$2,652|
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