Florida Car Insurance
Florida car insurance requirements are much lower than in other states. Drivers only need to carry $10,000 in personal injury protection and property damage liability coverage. We recommended driving with more coverage otherwise may be stuck paying out of pocket for any accident you are in. Enter your ZIP code below and start comparing free insurance quotes from multiple Florida auto insurance companies to get better coverage at affordable rates.
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Written by
Chris Tepedino
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Reviewed by
Laura Walker
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UPDATED: Jul 16, 2021
It’s all about you. We want to help you make the right coverage choices.
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Searching for the best car insurance in Florida begins with knowing the basic principles. Our site offers state-by-state resources to inform our users on the rules and regulations and improve their insurance shopping experience.
You can also get multiple car insurance rates by using our free car insurance quotes form.
Interested in home insurance? Read our Florida Homeowner’s Insurance
guide.
Table of Contents
Florida Car Insurance Coverage
| Minimum Florida Car Insurance Requirements | |||
|---|---|---|---|
| Personal Injury Protection | $10,000 Limit | ||
| Property Damage Liability | $10,000 Limit | ||
Florida doesn’t require its drivers to maintain bodily injury coverage but many insurance companies will not sell a policy without minimum bodily injury limits. Under the Financial Responsibility Law, if a driver is held to be at fault in an accident that results in bodily injury or property damage must have full liability coverage. Specifically, the law requires that any person have liability coverage at the time of the following:
- A crash where you are at fault and injuries have occurred.
- A suspension for too many points against your driver license.
- A citation for DUI, which results in a revocation.
- A revocation for Habitual Traffic Offender.
- A revocation for any serious offense where this department is required to revoke your license.
Below are Florida’s minimum requirements under the Financial Responsibility Law:
| Minimum Florida Bodily Injury Requirements | |||
|---|---|---|---|
| Bodily injury liability for one person | $10,000 | ||
| Bodily injury liability for two or more people | $20,000 | ||
| Property damage liability | $10,000 | ||
| Combined single limits | $30,000 | ||
Florida Car Insurance Regulations & Required Coverage
| Most Stolen Vehicles in Florida (2008) | |||
|---|---|---|---|
| Source: NICB | |||
| 1. 2000 Honda Civic | |||
| 2. 1996 Honda Accord | |||
| 3. 1990 Toyota Camry | |||
| 4. 2006 Ford F150 Pickup | |||
| 5. 2004 Dodge Ram Pickup | |||
| 6. 2008 Nissan Altima | |||
| 7. 2000 Dodge Caravan | |||
| 8. 2007 Toyota Corolla | |||
| 9. 1995 Nissan Maxima | |||
| 10. 1996 Jeep Cherokee/Grand Cherokee | |||
View the most stolen vehicles in Florida for other years or view the
most stolen vehicles in the U.S.
Important Contact Information
Florida Department of Insurance
200 East Gaines Street
Tallahassee, FL 32399-4288
Phone: (877) 693-5236
Website
Florida DMV
Neil Kirkman Building
2900 Apalachee Parkway
Tallahassee, FL 32399-0500
Phone: (850) 617-2000
Website
Interested in health insurance? Read our Florida Health Insurance
guide.
Insurance Guides for Nearby States
Florida Insurance Agents
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