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The Sunshine State
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Florida Auto Insurance
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 the additional visitors to Florida’s famous beaches and golf courses. There’s also an active annual hurricane season to contend with in Florida. With so much happening on the roads, finding the right Auto Insurance is important. And with the frequent storm damage claims, rising premiums are a factor for many of our Floridian customers.
When it comes to Auto Insurance in Florida, it is important to understand the requirements of the state law, as well as your other coverage options, so you can drive safely and save money 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 Insurance 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
State Minimum Personal Injury Protection (PIP) Coverage in Florida
- PIP or Personal Injury Protection: $10,000
Optional Coverage in Florida
AIS suggests you consider additional coverage because the Florida state-required minimum coverage amounts may not be enough to adequately protect you in the case of an auto accident or mishap.
Below are some examples you may want to consider:
- Collision Coverage*: Should you have a lienholder on your car, this will likely be required. If you own your vehicle outright, consider the national average repair costs of $3,000 and the Kelley 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 (like fallen trees or vandalism) caused to your vehicle which can be significant in the state.
- Uninsured Motorist Coverage: Although driving without the state minimum limits is illegal, 24% of drivers in Florida are driving without Car Insurance coverage. It is a good idea to consider protecting yourself from financial loss caused by damage and/or injury that may be caused by an uninsured driver.
- Higher Property Damage Limits: Based on the average vehicle repairs cost, as well as additional property damage you may cause and be responsible for, the state minimum of $10,000 may not go all that far. You should consider increasing your Property Damage limits on your policy for better peace of mind.
- 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 even quicker. We recommend that you consider additional Bodily Injury coverage beyond the state-required minimum limits.
*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.
When considering your Auto Insurance options in Florida, it is best to consult Auto Insurance Specialists to ensure you are adequately covered based on your specific needs and situation.
Florida is a No-Fault State
There are currently 12 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 a no-fault Auto Insurance policy is two-fold:
- To reduce claim expense by eliminating the need for litigation
- To expedite claim payment for medical bills and loss of wages by eliminating the need to determine fault
Feel free to contact an AIS agent to fully understand your options in a no-fault state like Florida.
Most Stolen Car Models in Florida
If you drive a car that tends to be targeted for theft, you could see higher Auto Insurance rates for your vehicle. In 2017, these were the top 10 cars that were stolen in Florida according to www.nicb.org:
- Ford Pickup (Full Size)
- Nissan Altima
- Toyota Camry
- Honda Accord
- Toyota Corolla
- Honda Civic
- Chevrolet Pickup (Full Size)
- Hyundai Sonata
- Dodge Pickup (Full Size)
- Hyundai Elantra
Florida Auto Insurance Discounts
Considering all of the variables that can impact your insurance rates in Florida, it’s smart to take advantage of the discounts that may be available to you.
Examples of these discounts include:
- Safe Driver
- Good Student
- Accident Free
To learn more about specific discounts, visit our Discounts page.
Florida is a special place to live, so contact one of our Insurance Specialists to find out more ways to save with the right coverage and insurance company. Give us a call to answer your questions, provide comparison rate or help you choose the best Auto Insurance policy for you.