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Florida Car Insurance Information

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:

    • $10,000 for damage to property.
  • Personal Injury Protection (PIP) – No-fault insurance helps with certain costs resulting from a car accident, no matter who’s at fault.
    • $30,000 for bodily injury per accident.
    • PIP insurance will also cover:
      • Your child and other members of your household.
      • Your child when he or she is riding on a school bus.
      • You when you’re a pedestrian or bicyclist, and involved in a car accident.
      • Passengers in your vehicle who do not have their own PIP insurance, don’t own a car.

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:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Rental reimbursement – Reimburses you if you have to rent a car after an accident.
  • Roadside assistance/towing coverage – Typically adds coverage for towing, tire changes, lockout services, and more.
  • Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.

  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include:  

    • $30,000 Surety bond.
    • $30,000 cash or securities deposit with the state comptroller.

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:

  • Insurance card.
  • Policy binder.
  • Certificate of financial responsibility.

Getting Pulled Over:

  • If you’re pulled over by a police officer, you must show your proof of insurance, along with your driver’s license and car registration.

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:

  • $150 for first offense.
  • $250 for second offense.
  • $500 for each subsequent offense.

SR22:

A SR22 may be required if you have any of the following:

  • You’re involved in a car accident that causes injuries or property damage.
  • You’ve had your driver’s license suspended due to excessive traffic violation points.
  • Your driver’s license has been revoked in the past.

* 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.


FR-44:

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:

  • $100,000 for bodily injury/death to one person.
  • $300,000 for bodily injury/death per accident.
  • $50,000 for damage to property.

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:

  • Credit history
  • Driving history

Discounts : Yes

Discounts available in Florida:

  • Anti-theft discount
  • Advanced quote discount
  • Driver safety course discount
  • Senior driver discount
  • Good student discount
  • Homeowners discount
  • Military discount
  • Multi-policy discount
  • Multi-vehicle discount
  • Prepaid discount
  • Safety features discount

Cellphone Use:

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.


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