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| Florida Auto Insurance |
All vehicles registered in the State of Florida must have minimum liability coverage as required by the State Department of Motor Vehicles. If you drive in Florida for 90 days or more year-round, you must also have insurance to drive here. If you are here for any part of the year then you will need to have insurance for your FL registered car.
Minimum Auto Liability Coverage in Florida is: $10,000 for bodily injury coverage for one victim, $20,000 for bodily harm for two or more victims, and $10,000 Property Damage Liability for damages incurred to a home, business, garage door, mailbox, telephone polisher, or any other physical object.
Florida is a No-fault state, so Personal Injury Protection is offered even if the driver is at fault. Anyone seated in an auto vehicle, child, passenger or pedestrian is covered by the minimum statutory insurance provider.
Uninsured or Under insured Driver Coverage is not a legal requirement to have on your insurance policy. But it's not a bad idea to get as many tourists and travelers have come to this country, they may not always be covered. Accidents are quite common in this state and can be very expensive if you are not properly insured. If you do opt out of this type of coverage, this must be stated in writing and provided to your insurance company.
Getting caught driving without minimum insurance can get very expensive. Your license can be suspended for up to 3 years and your registration too. You will pay a penalty plus a $500 fee. If you cancel your policy, you must present proof of your new policy immediately, otherwise your license and registration will be revoked until proof of auto insurance becomes available.
If you have other family members or people who drive your vehicle, you are not required to list them by law, but most insurance companies will require a list of people who live in your home. They can deny your claim if an accident occurs and someone registered in your household is involved and is not insured.
Florida State laws and regulations on auto insurance mandate that all insurance providers must be licensed to sell auto insurance in Florida, otherwise they cannot do business in the state.
A survey conducted in 2022 ranked Florida as the 5th most expensive state for auto insurance premiums in the country with an average of $1,069 peryear for auto insurance.
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