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Florida Auto Insurance

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Florida Auto Insurance Minimums

  • $10,000 bodily injury for one person
  • $20,000 per accident
  • $10,000 property damage
  • Click here to read more on Florida state auto insurance minimums

Florida DUI Laws

  • DUI is considered a BAC of 0.08%
  • Enhanced sentencing for BAC of 0.15% and higher
  • Click here for more DUI laws in Florida.

Florida SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons
  • An FR-44 may be required for alcohol-related offenses
  • Click here for all SR-22 requirements in Florida.

Florida Hands-Free Laws

  • The Florida legislature is considering several cell phone/texting laws
  • Florida Senate Bill 328 prohibits text-based communications while operating a motor vehicle
  • Click here for Hands-Free laws in Florida.

Florida Teen Auto Insurance

  • Florida utilizes a Graduated Driver Licensing (GDL) system for teen drivers
  • The GDL is intended to minimize high-risk situations for inexperienced drivers.
  • Click here to learn all you need to know about Florida teen driver laws
When you are involved in an auto accident and found to be responsible, it is vitally important to have the proper insurance coverage. Most people know and understand that driving without insurance is not an option. Not only is it dangerous, it is also illegal. But many people don't realize that being underinsured can also be personally devastating.

If you don't have the proper amount of coverage and are held responsible in an accident, your home, savings, future wages, and all other personal assets can be at risk in order to cover the costs of accident-related medical bills, property damage, and lawsuits.

The State of Florida mandates the following minimum coverage amounts for all of its motorists:

  • $10,000 total in Personal Injury Protection (PIP). This insurance coverage protects you when you are involved in an accident, no matter who is at fault. It pays a portion of the costs such as accident-related medical expenses and lost wages. It also pays a $5,000 death benefit.
  • $10,000 total in Property Damage Liability. This coverage pays for damages caused by you or another insured family member while driving your vehicle. "Property" may include other autos, fences, building or utility poles.

When putting together your auto insurance policy, it's important to remember that whatever amount you select is the maximum amount that your insurance provider will pay out on a claim. The minimum amounts as required by law are often times not enough to fully cover damages which occur in an accident for which you are responsible. Therefore, you may want to consider choosing higher amounts of insurance coverage when you purchase your policy.

You can rely on a professional insurance agent to give you sound, practical advice with regards to choosing auto insurance coverage amounts. In addition, an agent can answer any other questions or concerns you may have regarding your auto insurance needs and costs.

For answers to any other questions or concerns, please contact:

Florida Office of Insurance Regulation
200 East Gaines Street
Tallahassee, FL 32399
(850) 413-3140

Florida Car Insurance Agents

If you live in Florida and are looking for an auto insurance agent to help you with your insurance needs, you've come to the right place.

Florida Auto Insurance agents are fully qualified professionals whose job is to make buying auto insurance easy and enjoyable for their customers. They are also able to compare coverage and prices from many different sources- including most of the leading, well-respected insurance companies in the country. This allows them to formulate the right auto insurance policy for each individual client in terms of coverage and cost.

By knowing what to ask and thoughtfully listening to your questions and concerns, a good agent can put together a policy which is just right for you- one that protects you and your property as well as your assets. A trusted professional agent will stand by you when you have to submit a claim and will work hard to ensure that your policy is up-to-date and continues to meet your needs and personal situation. Circumstances can change over time and it is the business of a good agent to adapt your policy to any such changes.

If are interested in getting a quote from a qualified agent, use our Agent Locator to find an extensive list of agents in your local area. Any one of these professional agents will work hard to get you a comprehensive auto insurance policy that meets both your needs and budget.

Tips to saving money on your insurance premiums

  • Maintain a clean driving record. This can add up to big savings when buying auto insurance.
  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • Reduce coverage on an older vehicle, especially if it's paid for.
  • Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can earn you up to 10% off the total cost of your premiums.
  • If you have a teenage driver in the family, ask about teen driver discounts.
  • Improve your credit score. Many insurance companies use your credit score to determine the amount of your premium. Check your credit score before applying for insurance to make sure it is accurate and up-to-date.

By taking advantage of these money-saving tips and working with a professional insurance agent, you can be confident that you are getting the lowest possible rate on your auto insurance policy!

Florida is one of a few states that have a high number of part-time residents and retirees who need to modify their car insurance accordingly. Thousands of drivers throughout Florida search for new car insurance on a monthly basis. Before an out-of-state driver applies for their license plates, they need to find affordable Florida auto insurance that meets all of the state's insurance requirements. There are few online resources that expedite this process the same way as

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