Car Insurance Florida
The southern most state in the United States, Florida is known as much for its wonderful weather as it is for its tourist resorts and amusement parks. The Sunshine State has earned its nickname. It’s the third most populous state in the country and home to multiple cities with more than 1 million residents, including Miami, Orlando, Jacksonville and Tampa.
In addition to plenty of pleasant weather, Florida is home to many professional sports teams, the Florida Keys and Everglades. The state is bordered by the Atlantic Ocean, Caribbean Sea and Gulf of Mexico. Getting around the state is straightforward, thanks to Interstates 75, 95, 4, 10 and 275.
Finding the appropriate vehicle insurance for you requires staying up to date on Florida laws. The table below outlines the coverages and minimum coverage limits that are required in Florida. Keep in mind, however, that minimum coverage limits are merely a starting point. You may wish to consider upgrading your coverage levels for greater protection.
Common Questions About Florida Auto Insurance
Need auto insurance in Florida? Whether you live in the Panhandle or the Keys, Liberty Mutual Insurance has you covered. From liability protection to comprehensive coverage, we personalize your Florida auto insurance, so you only pay for what you need.
What automobile insurance is necessary in Florida?
|Bodily Injury Coverage||$10,000 per person and $20,000 per accident|
|Property Damage Coverage||$10,000 per accident|
|Uninsured Motorist Coverage||$10,000 per person and $20,000 per accident|
|Personal Injury Protection||$10,000|
In Florida, it’s unlawful to drive without insurance. Drivers in Florida are obliged to obtain the following automobile insurance coverage: bodily injury, property damage, uninsured motorist, and personal injury protection.
This chart illustrates the minimum vehicle insurance drivers are required to have in Florida.
What is the average cost of auto insurance in Florida?
The average cost of car insurance in Florida is $2,4252in 2021 according to thezebra.com. That’s 59% greater than the national average. Of course, your vehicle insurance premium will depend on several various criteria including your age, where you live, and your driving history.
Some people have the minimal minimum coverage, while others enjoy the comfort and security of extra protection. Liberty Mutual customizes your Florida vehicle insurance, so you only pay for what you need.
What Florida auto insurance coverage is suitable for you?
The chart above illustrates the minimal Florida auto insurance you need. But depending on your budget and needs, you might want to explore greater coverage for more protection. We’ll help you personalize your Florida auto insurance to get the coverage that matches you.
What is the best vehicle insurance in Florida?
Liberty Mutual knows that everyone has distinct needs when it comes to their Florida auto insurance. Some might desire the cheapest Florida car insurance, while others want additional coverage and an auto insurance firm they know they can trust. Let us help you personalize your Florida auto insurance, so you only pay for what you need.
Who has the cheapest auto insurance in Florida?
Getting the cheapest vehicle insurance in FL may sound nice, but that inexpensive premium can come at a cost when you need it most. You want auto insurance that’s reasonable, but even more importantly – reliable, in case you have an accident.
A Liberty Mutual auto insurance policy can cost less than you think.
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate
Car Insurance Quotes in Florida
Are you seeking for affordable vehicle insurance in Florida? Maybe you’ve been a resident of the Sunshine State for a while and are just seeking for a better or more cheap auto policy. Every driver in Florida needs auto insurance coverage. See why millions of policyholders trust GEICO to deliver outstanding auto insurance —from liability protection to comprehensive coverage.
If you’re buying a new car, comparing car insurance quotes, or wanting to switch auto insurance providers, GEICO offers the information you need to make an informed decision. We make it easy for you to acquire a free Florida car insurance quotation online.
Florida Car Insurance Laws
According to the Florida Department of Highway Safety and Motor Vehicles (DHSMV), all drivers in the state must have vehicle insurance coverage. If you are pulled over, you can be penalized for not having legal proof of Florida vehicle insurance. So be sure to have your insurance ID card when you drive.
Two essential Florida vehicle insurance laws to be aware of are the Financial Responsibility Law and the No-Fault Law:
The Financial Responsibility Law — requires certain drivers to maintain full responsibility auto insurance coverage owing to their driving history. These drivers include individuals at fault for past accidents resulting in injury to others, those who have received excessive points against their license, a DUI or a revocation due to serious and/or repeated violations.
The Florida No-Fault Law — requires all drivers to have Personal Injury Protection (PIP). This policy helps pay the insured’s medical expenditures in the event of an accident, regardless of responsibility. People sometimes think drivers can’t be legally pursued for injuries they cause in an accident because Florida is a No-Fault state, but that isn’t correct. No-Fault merely implies that drivers involved in an accident rely on their own auto insurance carriers to pay for later costs.
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