Florida's nickname as "The Sunshine State" is anything but deceiving. Home to the country's nicest weather, most visited amusement park, and largest orange supply, it's hard to not feel brillant in this state.
Cheapest Car Insurance in Florida
Requirement : Yes
Financial responsibility is required in Florida . Drivers must have a minimum of liability, and personal injury protection.
Minimum Coverage Car Insurance Requirements:
A minimum liability and Personal Injury Protection coverage is required:
You when you’re a passenger in someone else’s car
Other Car Insurance Coverage Options:
Liability and PIP coverage are the only requirements for Florida motorist to have, there are several other types of coverage available to drivers:
Other Forms of Financial Responsibility:
Other legal ways around buying car insurance include:
Proof of Insurance: Yes
You must carry proof of financial responsibility with your vehicle at all times.
Valid forms of proof of financial responsibility include:
Getting Pulled Over:
Violations, Fines & Penalties:
You are required to have proof of car insurance in the state of Florida , if you are pulled over and cannot provide proof of insurance, or other forms of financial responsibility, you may face the following penalties:
A SR22 may be required if you have any of the following:
* If found guilty of driving without car insurance, you may have to carry a 6 month non-cancelable SR-22 for up to 2 years. A 6-month non-cancelable SR-22 requires upfront 6 month premium payment in full.
* An SR22 certificate only certifies proof of insurance of minimum requirements, it is not insurance.
If convicted of a DUI in Florida, you may be required to purchase additional insurance beyond the state minimums, as well as file an FR-44 form as proof of additional coverage. An FR-44 is required for at least 3 years from the date of suspension. Additional coverage amounts include:
Credit Scores & Determining Your Insurance Premium :
All Florida drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers should try to find a provider that specializes in high-risk, non-standard drivers.
Other factors that may be used to determine your premiums include:
Discounts : Yes
Discounts available in Florida:
There is no limitations on cellphone use while driving in Florida. Texting and driving, however, is banned, and considered a secondary offense. “A person may not operate a motor vehicle while manually typing or entering multiple letters, numbers, symbols, or other characters into a wireless communications device or while sending or reading data in such a device for the purpose of nonvoice interpersonal communication, including, but not limited to, communication methods known as texting, e-mailing, and instant messaging.” Violators will face a $30 fine.