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Required Auto Insurance Coverage, Florida

The minimum coverage you are required to carry as a Florida resident is liability auto insurance on any vehicle you own, whether it is regularly driven or not. Vehicles with auto loans are required by the lender to have full coverage until the loan is paid off. The Florida Department of Highway Safety and Motor Vehicles (DMV) requires you to have the following coverage in order to obtain a Florida license plate:

  • A minimum of $10,000 of Personal Injury Protection (PIP)
  • A minimum of $10,000 of Property Damage Liability (PD)

Florida’s minimum liability auto insurance amounts are regulated by the Florida Department of Financial Services (FDFS). This department also mandates the Florida Financial Responsibility Law and the Florida No-Fault Law. Insurance policies issued in Florida should meet the requirements of these laws.

Florida Car Insurance Laws

To meet the minimum requirements of the Florida Financial Responsibility Law, your auto insurance must have the following:

  • $10,000 for one person in bodily injury liability
  • $20,000 for two or more people in bodily injury liability
  • $10,000 per accident in property damage liability
  • $30,000 in combined single limits

To meet the minimum requirements of the Florida No-Fault Law, your auto insurance must have the following:

  • $10,000 per person/accident in personal injury protection
  • $10,000 per car accident in property damage liability

Finding Auto Insurance Resources in Florida

The Florida DMV is a good resource to start with when learning about the requirements and regulations surrounding automobile coverage. The state DMV offers assistance to drivers who need help with traffic schools (either online or in a physical location), defensive driving courses, vehicle history reports, and general information about driving in Florida.

Things to Know About Auto Insurance, Florida

As a driver in Florida, one of the biggest things you need to know about having auto insurance is that if you let your policy lapse and do not obtain an alternate source of insurance, your driver’s license can be suspended until you provide adequate proof of insurance. Insurance companies report all lapses in coverage and canceled policies to the state. If local law enforcement finds you driving without proof of insurance, you will be ticketed.

There are many discounts available to Florida auto insurance policyholders. Being a good driver, having passive restraints, having vehicle alarms, parking a vehicle in a garage, and having airbags in the vehicle are all examples of discounts insurance companies may offer.

Insurance premiums also vary greatly depending on where in Florida you live, so be sure to factor in your city and county when budgeting for your insurance.

Important Information if You’re Moving to Florida

The state of Florida requires all new residents to obtain a driver’s license within 30 days of moving to Florida. It’s a good idea to make an appointment with the local DMV office, as long lines are possible.

To obtain a license as an out-of-state driver, you must do the following:

  • Surrender your out-of-state license
  • Show additional proof of identity like your Social Security card, passport, or government-issued ID
  • Take a vision exam

In addition, your driving record will be checked. Should a questionable driving history be found, you might be required to take a written exam.

You are also required to register any vehicle in Florida within 10 days of establishing residency or registering a child in the Florida school system. To register a vehicle, you must have proof of insurance with the minimum Florida requirements, proof of ownership, and verification of the Vehicle Identification Number, or VIN.

One important thing to note: You must obtain your driver’s license before you may register a vehicle.

Understanding the Driving Laws in Florida

The driving laws in Florida are similar to other driving laws across the country. Using your turn signal, coming to a complete stop at a stop sign, and yielding to pedestrians and emergency vehicles are some of the driving laws Floridians violate quite often. To familiarize yourself with Florida’s driving laws, you can read the Florida driver’s manual.

One important law passed in Florida in June 2013 prohibits texting while driving. This law becomes effective in October 2013. If you are caught by local law enforcement texting while driving, you will be ticketed.

Teen Driving Laws and Insurance Information

Florida utilizes a graduated licensing program, similar to what is the norm in many other states. This kind of system restricts the privileges of young drivers, but allows them to safely gain driving experience in lower-risk conditions. 

  • At age 15, an individual may apply for an instructional permit after completing the state’s traffic laws and substance abuse course and passing a written and vision test. 
  • After holding a permit for a year with 50 hours of driving time and without traffic violations, a 16 year old can apply for a restricted license, where they are limited to driving between the hours of 6 am and 11 pm alone. 
  • At age 17, these hours are extended to the hours of 5 am to 1 am. 
  • At age 18, the individual is eligible for a full, unrestricted driver’s license.

Since drivers must have liability insurance to get a valid driving permit under Florida law, parents have two options regarding auto insurance for their teenagers in Florida. They can either add them to their insurance policy or purchase a separate policy for them. Purchasing a separate policy for their teenager would incur higher costs, but would provide more coverage for the teen. Adding the teen to their current policy would not be as expensive, but may not provide as much insurance coverage for them. It is up to the parent to decide what is best for them and their teen.

How to Get Great Rates on Florida Auto Insurance

Looking for cheap car insurance in Florida? Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.

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