Florida Auto Insurance

The Sunshine State

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Auto Insurance in Sunny Florida

If you live in Florida, you already know Orlando’s park attractions draw more tourists than any other amusement parks in the country. That puts a lot of drivers on the road-- and that’s before you count all the visitors to Florida’s famous beaches and golf courses. There’s also an active annual hurricane season to contend with in Florida. Needless to say, finding the right coverage is important. And with frequent storm damage claims, rising premiums are a factor for many of our customers.

When it comes to auto insurance and Florida, it definitely makes sense to understand the requirements in the state as well as your options so you can be safe and save at the same time.

Try our simple form for an AIS Instant Quote®. This quote will be a range of our auto insurance partners' rates for the coverage you select and you can pick the price you like, too.

Required Auto Insurance in Florida

The Florida Department of Transportation states that all drivers in the state must carry a minimum amount of liability coverage (to cover costs you may cause and be at fault for) to legally drive.

State Minimum Liability Coverage in Florida:

  • PD or Property Damage: $10,000 per accident
  • BI or Bodily Injury: $10,000 per person and $20,000 total per accident
  • PIP or Personal Injury Protection: $10,000 per accident

If you still have questions on coverage, check out our Car Insurance Coverage, Insurance Glossary, or FAQs pages.

Optional Coverage for Maximum Safety

Auto Insurance Specialists suggests you consider additional coverage as the state required minimum coverage amounts may not be enough to adequately protect you and your family.

Below are some examples you may want to consider:

  • Uninsured Motorist Coverage - Although driving without the state minimum limits is illegal, 24% of drivers in Florida are driving without insurance. It is a good idea to consider protecting yourself from potential damage and/or injury that may be caused by an uninsured driver.
  • Collision Coverage - Should you have a lien holder on your car, this will likely be required. If you own your vehicle outright, consider the national average repair costs of $2,935 and the Kelly Blue Book of your car before deciding to drive without collision coverage.
  • Comprehensive Coverage - This would cover damage from natural disasters, such as hurricanes, as well as other non-collision damage caused to your vehicle which can be significant in the state.
  • Higher PD limits - Although you are required to carry a minimum of $10,000 in PD coverage, based on average vehicle repair costs as well as additional property damage you may cause and be responsible for (a fence, a house, a light pole, etc...), you can see how $10,000 may not go all that far.
  • Higher Bodily Injury Limits - Due to the fact that Florida is a no-fault state, bodily injury coverage is not required to register a vehicle, however, the Florida Financial Responsibility Law does require that you provide proof of bodily injury coverage, with limits of $10,000 per person and $20,000 per accident if certain events occur. Costs associated with injury claims can add up quickly and exhaust minimum limits just as quickly. We do recommend you consider additional Bodily Injury coverage beyond the state required minimum limits.

When considering your auto insurance options in Florida, it is best to consult the Auto Insurance Specialists to assure you are adequately insured based on your specific needs and situation.

Florida is a No-fault State

There are currently 9 states that are "no-fault" states and the Sunshine State happens to be one of them. What exactly does that mean? In general terms, the intent behind no-fault insurance is two-fold:

    a) Reduce claim expense by eliminating the need for litigation

    b) Expedite claim payment for medical bills and loss of wages by eliminating the need to determine fault

Feel free to contact us to fully understand your options in a no-fault state like Florida.

Florida is a special place to live, so contact one of our specialists and find out more ways to save with the right coverage and insurance company that will work best for you.

Think it’s impossible to save in Florida? Then let us help you.

Considering all of the variables that can impact your insurance rates in Florida, it’s smart to take advantage of all of the discounts that may be available to you.

Examples of these discounts may include:

  • Safe driver
  • Multi-vehicle
  • Good student
  • Accident free
  • Multi-policy
  • And more...


To learn more about specific discounts, visit our Discounts page.

Give us a call to answer your questions, provide comparison rate quotes, or help you choose your best auto insurance policy.

Start a Florida Insurance Quote Today: (888) 772-4247

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