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State Minimum Car Insurance Requirements For Florida

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

CoverageFlorida Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$10,000 / $20,000$100,000 / $200,000
Property Damage$10,000$50,000
Personal Injury Protection$10,000$100,000 / $200,000
Uninsured MotoristN/A$100,000 / $200,000
Comprehensive CoverageN/A$250 deductible
Collision CoverageN/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

RankAuto Insurance CompanyAnnual Premium
1Florida Farm Bureau Insurance$421
4State Farm$632
721st Century$832
12The General$1,250
14Infinity Auto$1,723
15Direct General$1,811
16Ocean Harbor $1975
17United Automobile$2245
18Windhaven Insurance$2316
19Bristol West$2412

Chart 1 – Comparison of Cheapest Car Insurance Companies

This is a graph of the cheapest auto insurance companies in the State of Florida.

Comparison of Florida Auto Insurance Firms

Chart 2 – Secondary Comparison of Insurance Companies

This is a secondary graph of the cheapest auto insurance firms in the State of Florida.

Comparison 2 of auto insurance firms in Florida.

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 ArrestsDUI Legal LimitAverage DUI CostAverage Premium Rate Hike
US Avg22,7160.08%$6,000$4,500

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

CityAvg PremiumCityAvg Premium
Boca Raton$2,287Miami$3,009
Boynton Beach$1,964Miami Beach$2,983
Cape Coral$1,679North Palm Beach$3,113
Coral Springs$2,344Miami Lakes$2,757
Davie$2,498North Port$2,378
Daytona Beach$1,782Ocala$1,026
Deerfield Beach$1,832Orlando$2,049
Delray Beach$1,943Palm Bay$1,768
Deltona$1,112Palm Coast$1,007
Fort Lauderdale$2,425Pembroke Pines$2,476
Fort Myers$2,194Plantation$1,654
Gainsville$1,663Pompano Beach$2,569
Hialeah$3,559Port Orange$1,389
Hollywood$2,378Port St. Lucie$1,955
Homestead$1,255St. Petersburg$2,241
Melbourne$998West Palm Beach$2,652

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Shaun Fyffe
Hi, I am Shaun Fyffe and writing is my passion. In my spare time I enjoy the outdoors, spending time with my family, sometimes I might go hiking or riding a bike, plus doing the regular hanging out - New York Style!

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