Florida Car Insurance

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In a nutshell...
  • The Florida car insurance industry is one of the largest auto insurance markets in the USA
  • Almost all Florida car insurance companies offer much higher levels of coverage for a nominal premium
  • Florida has over 150 car insurance companies licensed to sell auto insurance

Florida is home to almost 19 million people, many temporary residents and a large tourism market meaning a significant percentage of out of state drivers.

While Florida car insurance is mandatory by law the state only has very minimum car insurance requirements so anyone operating a vehicle should always consider more coverage.

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Florida Car Insurance Requirements

The Florida car insurance industry is one of the largest auto insurance markets in the USA, and over 150 car insurance companies are licensed to provide coverage meaning a very healthy and competitive marketplace.

The minimum requirements for Flordia are:

  • $10,000 Personal Injury Protection
  • $10,000 Property Damage Liability

$10,000 in auto insurance coverage is barely enough to pay for any car let alone the cost of medical expenses.

While Florida does have no-fault car insurance laws, these limits of coverage still expose you to significant personal liability in the event of any even minor car accident.

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Why are Florida car insurance requirements so low?

This is an excellent question as most States with no-fault car insurance laws have much higher limits, and there is no reason for such low Florida car insurance requirements.

As a wise consumer, however, the only thing you can do is seek out higher limits of coverage and additional types of insurance to get the protection you need.

Almost all Florida car insurance companies offer much higher levels of coverage for a nominal premium over the minimum mandatory requirements.

Do you only need personal injury protection and property damage coverage?

To avoid being fined yes, however, to prevent any severe risk to your assets no.

While Florida no-fault car insurance laws do prevent most lawsuits from appearing, you are still on the hook for any damage exceeding your car insurance policy limits.

You also want to check into different types of coverage such as comprehensive and collision coverage, uninsured motorist coverage and GAP insurance.

Only a well-rounded car insurance policy with sufficient levels of coverage should be considered and not just a system cheap enough to avoid a fine.

Almost all national providers such as State Farm, GEICO, Nationwide, Esurance, Progressive, and Travelers all offer car insurance coverage in Florida in addition to numerous local and regional providers.

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