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Florida Coverage Requirement
– Florida Minimum Coverage
In Florida, you need a minimum of $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) with a valid license plate.
– Coverage Considerations
Basic coverage is the minimum liability coverage that’s required in Florida. Full coverage usually includes collision or comprehensive coverage, but no state requires either.
You should cover your vehicle with collision and comprehensive if your car is less than 10 years old. If your car is older you only buy collision.
You should also consider value with an older vehicle. If it is more than 10 years old but held its value, you may consider collision and comprehensive coverage to prevent the higher costs to replace the vehicle.
See the table below for more information:
|Liability||Need a minimum of $10,000/$20,000 bodily injury liability coverage per person/per incident and $10,000 property damage liability coverage|
|Collision||Covers the cost to repair or replace a car that's been damaged in an accident; a $500 deductible is common in Florida|
|Comprehensive||Covers the cost to repair or replace a car that's been damaged from circumstances like break-ins or bad weather; a $250 deductible is common in this state|
|Personal Injury Protection (PIP)||Need a minimum of $10,000 personal injury protection (PIP) per person; Florida is a no-fault state, so PIP covers medical expenses after an accident (not property that's damaged)|
|Medical Payments (MedPay)||Not commonly used in Florida, but it can cover your medical/funeral expenses if you and/or your passengers get injured (or worse) in an accident|
|Uninsured/Underinsured Motorist Coverage||23.8 percent of Florida drivers are uninsured — nearly double the national average; this coverage helps cover costs for you/your passengers if you get in an accident with a driver whose insurance is limited-to-none|
|Guaranteed Auto Protection (GAP)||Pays the difference between what you owe on your vehicle and what it's worth at the time of a collision|
|Personal Umbrella Policy (PUP)||Can help cover extra costs that aren't covered by your standard car insurance policy, such as bodily injury, personal injury, and property damage|
|Rental Reimbursement||If you have comprehensive and/or collision coverages, most insurance companies offer rental reimbursement, which helps cover some of the cost of renting a car while your vehicle is being repaired from an accident|
|Emergency Roadside Assistance||Florida Department of Transportation (FDOT) offers a free service called Road Rangers: They keep an eye out for stranded drivers, road debris, car accidents, or other incidents that need their assistance|
|Mechanical Breakdown Insurance||Covers the cost to repair your car when it breaks down|
|Pay-As-You-Drive or Usage-Based Insurance||Insurance premium depends on the type of vehicle used — measured against time, distance, behavior, and place|
|Non-Owner Car Insurance||Provides liability coverage while you're operating another person’s car (doesn't cover car damage)|
|Modified Car Insurance Coverage||Extra coverage for a car you have changed for appearance or performance purposes (e.g., structural alterations, custom paint jobs, etc.)|
|Windshield Coverage||No deductible to replace your windshield in Florida if you have comprehensive insurance|
If you haven’t compared your policy with current coverages and rates, now is the time. Compare three to four policies today.
Driving Data – State Ranking Compilation
Every year our team conducts several large studies that examine all facets of driver safety, habits, and fatalities. The rankings below are where Florida landed in our studies. Please click here for more details on each studies.
#2 – Deadliest Sidewalks
#10 – Safest Highways by State
#24 (tied) – Is your state a travel doer or dreamer?
#23 – Worst Drivers By State
– Penalties for Driving Without Insurance
Florida drivers can provide electronic proof of insurance like a digital auto insurance ID cards.
If you are denied car insurance, see if the Florida Automobile Joint Underwriting Association can help you.
This state does not fine you for driving uninsured, but here’s how you will get penalized:
|Penalties for Driving Without Insurance|
|First Offense||Suspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $150 fee for the first reinstatement|
|Second Offense||Suspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $250 fee for the second reinstatement|
– DUI Laws
According to the Florida Department of Highway Safety and Motor Vehicles, “DUI counts as one offense, proved by alcohol impairment or blood/breath alcohol level of .08 or above.”
|Penalty Type||First Conviction||Second Conviction||Third Conviction||Fourth Convcition|
|Fine||Not less than $500, or more than $1,000. With Blood/Breath Alcohol Level (BAL) of .15 or higher or minor in the vehicle: Not less than $1,000, or more than $2,000.||Not less than $1,000, or more than $2,000. With BAL of .15 or higher or minor in the vehicle: Not less than $2,000, or more than $4,000.||If more than 10 years from second conviction, then fine is not less than $2,000, or more than $5,000. With BAL of .15 or higher or minor in the vehicle, fine is not less than $4,000.||Not less than $2,000.|
|Community Service||Mandatory 50 hours of community service or additional fine of $10 for each hour of community service required.|
|Probation||Total period of probation and incarceration may not exceed 1 year.|
|Impisonment||Not more than six months. With BAL of .15 or higher or minor in the vehicle: Not more than 9 months.||Not more than nine months. With BAL of .15 or higher or minor in the vehicle, imprisonment is not more than 12 months. If within five years, mandatory imprisonment is at least 10 days and at least 48 hours of confinement must be consecutive.||Within 10 years, mandatory imprisonment is for at least 30 days and at least 48 hours of confinement must be consecutive. If more than 10 years since last conviction, imprisonment is for not more than 12 months.||Not more than five years or as provided in s.775.084, Florida Statutes, as habitual/violent offender.|
|Impoundment||First conviction is 10 days||Within five years is 30 days||Third conviction within 10 years is 90 days|
Note: An SR-22 may be required when seeking to get your license reinstated after a DUI conviction.
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– Texting Laws
Florida laws do not allow texting while driving. If caught texting and driving, driver will be cited as “noncriminal traffic infraction, punishable as a nonmoving violation.”
– Car Seat Laws
- Florida implements the primary car seat law, which means a police officer can stop cars based only on child safety seat or seat belt violations.
- Your child must be under three years old to use a rear-facing or forward-facing car seat.
- Your child must be under six years old to use a booster seat.
- Your child must be at least six years old to use a seat belt.
- You are charged a $30 fine if you break a seat belt law.
- You are charged a $60 fine and receive three points on your driving record if you break a car seat law.
– Other Considerations
First, DUI offenders in Florida must increase coverage limits (300/100/50) and provide proof in the form of a Florida Uniform Financial Responsibility Certificate (FR-44) form. This increased coverage must be active for three years.
Second, Florida is a destination for many older American seeking refuge from the colder northern states. Some make Florida their permanent residents and some are snow birds. Florida residents over 80 years old must renew their license with eye exam every six years.
Confidential reports can be made by anyone to provide details on a driver that may be a safety concern. Florida’s Medical Reporting Form can be found here. On the flip side, Florida offers drivers 55-years-old and up a 10 percent discount. See here for a list of Florida’s approved mature driving courses.
Third, Florida offers full coverage for cracked windshield. This coverage means you don’t have to pay your deductible if your windshield is cracked. This law encourages residents to take care of their windshield promptly preventing escalating issues.
Cheap Florida Insurance
– Average Rates
- Family with Young Drivers – Minimum Coverages $2,422 and All Coverages $7,944
- Senior Married Couple – Minimum Coverage $453 and All Coverages $1,494
- Single Female – Minimum Coverage $1,005 and All Coverages $2,933
– Top 5 Counties with the Highest Average Rates
- Miami-Dade – $6,855
- Palm Beach – $6,268
- Broward – $5,919
- Hillsborough – $5,858
- Pinellas – $5,269
Miami-Dade has the highest average rate, but if you’re a senior married couple, your combined minimum coverage — personal injury protection (PIP) and property damage (PD) — will still be much cheaper ($873) than the same coverage for a single female ($2,023).
In Pinellas, a senior married couple will pay a little less than in Miami-Dade for their combined PIP and PD ($643), but the difference between the two counties is even greater for a single female ($1,457).
– Top 5 Counties with the Lowest Average Rates
- Jefferson – $3,597
- Gilchrist – $3,597
- Gadsden – $3,591
- Levy – $3,581
- Franklin – $3,569
Jefferson and Gilchrist may tie for overall average rates, but a family of young drivers in Jefferson ($6,935) pays $12 less for all car insurance coverages than a young driver family in Gilchrist ($6,947).
And although Franklin has the lowest average rates, a family of young drivers there actually pays more for all coverages ($6,900) than a young driver family in Levy ($6,846).
– Top 5 Cheapest Auto Insurance Providers (average rates)
- USAA General Indemnity Company – $2,643.24
- USAA Casualty Insurance Company – $2,545.26
- United Services Automobile Association – $2,280.85
- Florida Farm Bureau General Insurance Company – $2,147.75
- GEICO General Insurance Company/Government Employees Insurance Company – $2,021.41
A senior married couple pays just $2.57 less on their combined minimum coverage (PIP and PD) with Florida Farm Bureau General Insurance Company than with GEICO.
A family with young drivers actually pays more for all car insurance coverages with GEICO ($3,669.39) than they do with Florida Farm Bureau General Insurance Company ($3,495.70), whose rates average higher.
– Top 5 Most Expensive Auto Insurance Providers (average rates)
- Infinity Indemnity Insurance Company – $13,776.84
- Infinity Auto Insurance Company – $10,139.16
- Ocean Harbor Casualty Insurance Company – $6,714.52
- United Automobile Insurance Company – $5,683.44
- Allstate Property & Casualty Insurance Company – $5,370.00
There is a $3,637.68 difference in average price for all car insurance coverages between Infinity Indemnity Insurance Company and Infinity Auto Insurance Company.
There’s also a huge drop in average price for all coverages ($3,424.64 difference) between Infinity Auto Insurance Company and Ocean Harbor Casualty Insurance Company.
Perhaps you should avoid the top two Florida car insurance providers!
– What affects car insurance rates?
When it comes to car insurance rates, there are some things you can’t control like your age. If you don’t fall between the ages of 25 and 65, you could pay more for car insurance because those who are younger or older are higher risk as a group.
However, other factors that impact your insurance are:
- Driving record
- Credit score
- Make and model of car
- Time Used/Mileage
– Comparison Shopping
Comparison shopping is the best way to get the right car insurance price and policy for you. Don’t settle for just anything: Compare three to four policies so you can get an accurate picture of what’s available.
Once you get car insurance, review your policy every six months to ensure your rates haven’t gone up and you still have the coverage you need.
And never decide on price alone. Research the financial health of the insurer before you make a decision.
Use the following trusted independent rating agencies:
Also, check consumer ratings through the following:
Don’t wait a minute longer to start comparison shopping. Find the best coverage and rates in Florida by entering your zip code into our quote box below!