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Florida Car Insurance

Here's what you need to know...
  • Florida is a no-fault insurance state, so when considering coverage options, remember that you will be responsible for damage to your vehicle even if the other driver is actually at fault
  • When deciding on an insurer, research their credibility and reputation
  • You should always ask about discounts available

Florida, like a few other states, is a no-fault insurance state.

That means that when an accident occurs, every driver (or their car insurance company if they have auto insurance) is responsible for paying their own medical bills and property damages regardless of who is deemed to be at fault.

The auto insurance requirements are obscenely low in Florida, though, so you might want to consider getting higher coverage limits on your own.

For example, state law only requires Personal Injury Protection (PIP) and liability insurance in the amounts of:

  • $10,000 per person for injury
  • $20,000 per accident for injury
  • $10,000 property damage

That means if you just bought a new car and it gets totaled, you’re only going to get $10,000 for it, regardless of how much it was worth.

Plus, if you damage public property, you’ll have to pay for that first, cutting into your replacement money even more.

It’s always a good idea to get more coverage when you can.

Use the FREE tool box above to start comparing Florida car insurance quotes online!

Providers of Florida Car Insurance

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There is a myriad of different providers to choose from when you are looking for car insurance in Florida. Over 150 insurance companies exist in the state of Florida, and about 2/3 of them sell auto insurance.

You can find local and regional companies that might have special rates for Florida drivers, as well as top companies that are nationwide leaders in the insurance industry, such as Allstate, Progressive, AIG, 21st Century, and others.

Choose FL that offer:

  • Competitive rates
  • High coverage limits
  • Efficient claims processing
  • Quality customer service
  • Solid reputation and credibility

These tips will help you choose the best insurance companies, no matter what you might be looking for. It sounds like a lot of work, but you aren’t going to get the best auto insurance by pulling a name out of a hat.

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Florida Car Insurance Rates and Discounts

There is no way to determine the “average” cost of car insurance in Florida. There are too many variables to consider, including age, sex, vehicle, driving record, and even marital status.

In order to find the best rates, you will have to comparison shop and get quotes from different companies. Be sure to get at least 3-5 different quotes with varying levels of coverage so that you can see the full spectrum of options that you have.

Discounts are available for drivers in Florida depending on their circumstances. Every company will have different offerings.

Of course, if you have a clean driving record or a longstanding history with a company, you can find discounts just about anywhere.

Students with good grades can get discounts, as well. Another discount is for people who have multiple cars on a policy or who have multiple policies with the same company.

There are plenty of ways to save on your auto insurance as long as you ask companies what discounts you can get.

Florida Car Insurance Must-Haves

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Your FL car insurance policy must have:

  • Personal Injury Protection (PIP) because Florida is a no-fault state
  • Coverage that makes you feel safe and protected, regardless of state minimums
  • Service from a company that you can trust and count on when you need them

Florida Car Insurance Rate Quotes

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