Florida Car Insurance

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Key takeaways...
  • Florida, the Sunshine State, is known for its extensive coastline, sunny beaches, major tourist attractions like Disneyland and Sea World and no state income tax
  • Although Florida is a no-fault car insurance state people can still sue if the accidents were caused by gross negligence and many other reasons
  • Always ask car insurance companies for quotes with much higher limits than just the state minimums
  • You can learn more about car insurance discounts here and also visit the websites of potential car insurance companies to learn more about the discounts they offer

Florida, the Sunshine State, is known for its extensive coastline, sunny beaches, major tourist attractions like Disneyland and Sea World and no state income tax. Florida is a state with one of the highest percentages of part-time residents, snow-birds, and tourists.

With such a diverse and large population the Florida car insurance market is one of the most competitive markets in the nation with many car insurance companies providing affordable car insurance rates.

Florida minimum car insurance requirements are much like every other state, just ridiculously low. Anyone buying a new car insurance policy should always consider higher coverage than just state minimum requirements.

As long as you have a valid Florida license plate, the minimum auto insurance requirements for Florida per the Florida Department of Highway Safety and Motor Vehicles are defined as:

  • $10,000 personal injury protection (PIP)
  • $10,000 property damage liability (PDL)

Use our FREE quote tool to compare auto insurance rates today!

Why are these car insurance minimum requirements so low?

Well, ask the car insurance companies and state senators this question but the odds are your answer will be something similar to its the only way to keep car insurance premiums affordable.

Not true! Only people who actually believe this reason is the car insurance company, lobbyists.

Think about the cost of an emergency room visit or the litigious nature of our country in general?

Although Florida is a no-fault car insurance state people can still sue if the accidents were caused by gross negligence and many other reasons.

$10,000 is barely the cost of a hospital visit and surely nothing but a down payment on almost any property you damage with the exception of a tricycle or two.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

How do you get more car insurance coverage?

That is the easy part. Always ask your car insurance company for more coverage.

Ironically, when you lease a car the car insurance leasing company required at least 100,000 in coverage and 300,000 for some parts. These companies understand reasonable coverage, the state legislatures do not.

Acquiring more car insurance coverage than the minimum requirement is much more affordable than you think – many times less than a 5 percent increase.

Always ask car insurance companies for quotes with much higher limits than just the state minimums.

Who provides Florida car insurance?

Unlike Florida home insurance where many insurance companies still refuse to insure homes due to the hurricane risk there are hundreds of car insurance companies who offer policies statewide.

Most all national and regional companies have a presence including Allstate, State Farm, Nationwide, Progressive and more.

How can I get Florida car insurance discounts?

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All car insurance companies offer discounts but these will vary from state to state and one company to another.

You can learn more about car insurance discounts here and also visit the websites of potential car insurance companies to learn more about the discounts they offer.

Allstate, State Farm and many of the big companies do a really good job of explaining their discounts online.

Obviously, everything from a safe driving record to your age will play a factor in the car insurance discounts available so contact car insurance companies today and learn more about your options.

Get your Florida insurance quote now with our free quote tool below now! 

Florida Car Insurance

Florida, the Sunshine State. Known for its extensive coastline, sunny beaches, major tourist attractions like Disneyland and Sea World, no state income tax and the recent addition of LeBron James to the Miami Heat Florida is a state with one of the highest percentages of part time residents (snowbirds) and tourists.

With such a diverse and large population the Florida car insurance market is one of the most competitive markets in the nation with many car insurance companies providing affordable car insurance rates.

Florida minimum car insurance requirements are much like every other state – just ridiculously low and anyone buying a new car insurance policy should always look for more. As long as you have a valid Florida license plate, the minimum auto insurance requirements for Florida per the Florida Department of Highway Safety and Motor Vehicles are defined as

$10,000 personal injury protection (PIP)

and $10,000 property damage liability (PDL)

Why are these auto insurance minimum requirements low?

Well, ask the car insurance companies and state senators this question but the odds are your answer will be something similar to its the only way to keep car insurance premiums affordable. Not true – only people who actually believe this reason are the car insurance company lobbyists.

Think about the cost of an emergency room visit or the litigious nature of our country in general? Although Florida is a no-fault car insurance state people can still sue if the accidents were caused by gross negligence and many other reasons. $10,000 is barely the cost of a hospital visit and surely nothing but a down payment on almost any property you damage with the exception of a tricycle or two.

How do you get More Car Insurance Coverage?

That is the easy part. Always ask your car insurance company for more coverage. Ironically, when you lease a car the car insurance leasing company required at least 100,000 in coverage and 300,000 for some parts. These companies understand reasonable coverage – the state legislatures do not.

Acquiring more car insurance coverage than the minimum requirement is much more affordable than you think – many times less than a 5% increase. Always ask car insurance companies for quotes with much higher limits than just the state minimums.

Who Provides Florida Car Insurance

Unlike Florida home insurance (where many insurance companies still refuse to insure homes due to the hurricane risk) there are hundreds of car insurance companies who offer policies statewide. Most all national and regional companies have a presence including Allstate, State Farm, Nationwide, Progressive and more.

How Can I get Florida Car Insurance Discounts

All car insurance companies offer discounts but these will vary from state to state and one company to another. You can learn more about car insurance discounts here and also visit the websites of potential car insurance companies to learn more about the discounts they offer. Allstate, State Farm and many of the big companies do a really good job of explaining their discounts online.

Obviously everything from a safe driving record to your age will play a factor in the car insurance discounts available so contact car insurance companies today and learn more about your options.

Get a Florida Car Insurance Quotes

Start car insurance comparison online. Simply enter your ZIP CODE to start with free Florida car insurance quotes today!

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

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