Florida Auto Insurance

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Florida auto insurance is a quintessential piece of driving in the Sunshine State, and it’s required by law. So if you don’t have it, you could face some serious fines. But just like any other insurance coverage out there, you must maintain adequate car insurance in order to stay safe on the roads — it’s also a law.

So whether you’re new to the Sunshine State, switching carriers, have just started driving or simply haven’t checked your coverage amounts in a while, you should know that every driver in Florida must abide by certain car insurance laws and meet the proper Florida auto insurance requirements.

From Miami to Jacksonville and Tampa to Orlando, these are the most crucial things you need to know as a Florida driver.

Florida Auto Insurance Requirements

The average driver is on the road for 10,000 to 20,000 miles each year, and auto accidents make up some of the most costly and deadly injuries in the United States each year. With the crowded highways, turnpikes and interstates of Florida, and the influx of visitors each year, it’s among one of the most accident-prone states in the U.S.

If you’re a driver who maintains a vehicle in Florida, the state’s laws require you to carry the following minimums on your car insurance. Failure to keep these minimums can result in jail times and heavy fines.

  • Bodily Injury: $10,000 per person, $20,000 per accident
  • Property Damage: $10,000 per accident
  • Uninsured Motorist: $10,000 per person, $20,000 per accident
  • Personal Injury Protection: $10,000 per person

Although the state doesn’t require drivers to maintain underinsured motorist coverage, it’s always a good idea to opt for this added protection either way.

What Does Florida Auto Insurance Cover?

Property Damage Liability

This coverage helps pay to repair the damage you directly cause to another person’s vehicle or their property if you’re at fault. It’s required by law in most states.

Collision Coverage

This coverage helps pay to repair damage to your vehicle if you’re at fault in an accident that involves another vehicle or piece of property. It’s required if you’re financing or leasing your vehicle.

Comprehensive Coverage

This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, tree, fire or vandalism.

Bodily Injury Liability

If you’re at fault in an accident that injures a passenger of another car or pedestrian, this coverage will help to pay their medical bills, legal fees and loss of income.

Personal Injury Protection

Whether you’re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger’s medical bills. Some states make this coverage mandatory.

Medical Payments

This is similar to PIP coverage in that it may help to pay for the medical bills of you and your passenger if you’re involved in an accident, whether you’re at fault or not. It’s different because MedPay is always optional.

Gap Coverage

If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle’s current worth and what you still owe on your auto loan.

Towing & Labor

An optional coverage, towing and labor may be added to your auto insurance policy to get you out of binds. This pays for a tow truck to pick up your vehicle and take it to the nearest repair shop.

Rental Car

You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you’re driving a rental car.

Uninsured Motorist

This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who’s at fault doesn’t have auto insurance.

Underinsured Motorist

This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn’t have sufficient coverage.

Florida Car Insurance Laws

The Florida No-Fault Law: This law requires all Florida drivers to carry $10,000 worth of personal injury protection, which is used to help pay for the policyholder’s medical bills if they’re involved in an accident. The law simply means drivers use their own car insurance policy to pay for costs.

The Financial Responsibility Law: This law requires some drivers to maintain full auto insurance coverage based on their driving record. These are typically drivers who have received an excessive amount of points on their license through the years.

How Much Is Car Insurance in Florida?

Car insurance in Florida is pretty expensive compared to many other states, running the average driver nearly $250 per month for full coverage and $150 for liability coverage. Of course, the amount you pay for auto insurance in Florida is based on many factors, including your driving record, the type of vehicle you drive and your age.

To get a quote for the best and maybe the cheapest car insurance in Florida, call our team of licensed agents at 833-255-4117.

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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.