Florida Car Insurance FAQ - Quick Answers

In Florida, the average annual car insurance premium is $1,742, coming in much more expensive than the national figure of $1,311 per year. To help find competitive rates in Florida, get quotes through a trusted adviser for free.

Florida car insurance will have required and optional coverages. Some of the standard limits of protection are:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.

Florida is unique in that it does not require bodily injury liability coverage like most other states. However, it does mandate property damage liability at a minimum of $10,000. You're also required to carry personal injury protection of $10,000, which helps pay for medical expenses when you become injured in an accident. 

Even though certain amounts of coverage are required in order to use the roadways in Florida, not everyone follows the rules. Currently, Florida has 26.7% of its drivers uninsured. That leaves you open to a huge risk. Uninsured motorist coverage can help pay for damage or injury if you're involved in an accident with an uninsured driver.

In Florida, you're required to carry the following coverages in order to drive in the state:

  • $10,000 in property damage liability 
  • $10,000 in personal injury protection 

The cost of Florida auto insurance is calculated based on several rating factors. The top reasons your Florida car insurance premiums may be more expensive could be due to the coverage selected, location, past claims, crime rates, credit score, and losses reported in the area.

Do You Know What Your Florida Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Annual insurance cost
Altamonte Springs26.5$1,482
Aventura32.9$2,178
Boca Raton21.5$3,240
Bonita Springs22.8$1,836
Bradenton26.7$1,614
Cape Coral28.3$1,638
Clearwater24.1$2,052
Clermont33.0$1,650
Coconut Creek28.3$2,898
Fort Lauderdale27.0$2,376
Gainesville19.1$1,488
Jacksonville25.2$1,926
Melbourne21.9$1,854
Miami29.3$3,762
Naples19.6$1,842
Orlando26.1$1,734
St. Petersburg23.7$2,196
Tallahassee18.7$1,566
Tampa24.6$3,528


Bodily Injury Requirements in Florida

In Florida, bodily injury liability insurance is not required by law. However, it's especially necessary. If you get into an accident and have to pay for another driver's medical expenses, you'll only be covered with bodily injury liability. 

Each state has different regulations when it comes to car insurance coverage. No matter what your state guidelines are, reviewing your options to determine what suits your needs and budget is vital. 

Property Damage Requirements in Florida

Property damage liability pays for damage to another party's property when an at-fault auto accident occurs. In Florida, you are required by law to carry the minimum limits of coverage at $10,000 in property damage liability.

Even though $10,000 is all that is mandated by law, it's often not enough protection in a more substantial loss. A good rule of thumb is to go over coverage options with a trained professional to ensure you're getting the right limits for your needs. 

Personal Injury Protection Requirements in Florida

In Florida, if you sustain injuries from an at-fault car accident, you'll only have coverage for medical bills when you have personal injury protection. Most policies carry the minimum limits of coverage, which is often not enough.

Unfortunately, a lot of insureds aren't even aware that this coverage exists until it's too late and they don't have the right protection in place. Florida does require each licensed driver to carry personal injury protection in order to use the roadways. The limits needed can be discussed with a trusted adviser.

Uninsured Motorist Coverage in Florida

Uninsured motorist coverage will help pay for damage or injury resulting from an accident with an uninsured driver. This limit is not required in Florida, but super-necessary if you want proper protection on the road.

Unfortunately, even though car insurance is required, not everyone follows the law. In Florida, 26.7% of the drivers are uninsured, putting you in harms way.  

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Optional Car Coverage in Florida

There will be optional coverages you can include under your Florida auto policy for an additional premium. Collision insurance and comprehensive insurance will help pay for damage to your vehicle when an accident occurs, and is known as full coverage.

Another protection you can add is roadside assistance for your flat tires and tows. And rental car coverage can be purchased for when you're needing a replacement vehicle while your car is being repaired due to a claim.

Car Insurance Discounts to Ask for in Florida

One of the biggest Florida car insurance discounts you can get is called the multiple policy discount. This can save you 30% or more on premiums. The same is true with vehicle safety. The safer your car features are, the better your discount on insurance.

Another way to save is by being a member of an association such as a teachers union, attorney group, or government agency. Carriers usually give a 5% to 10% discount depending on the association. You'll also be rewarded for your longevity with the insurance company. 

How to File a Car Insurance Claim in Florida

When you're in a car accident it can be overwhelming to know what to do next. To make it simple, take a look at these 4 easy steps to filing a car insurance claim in Florida.

First, get to a safe place and tend to any injuries if necessary. Second, call your independent insurance agent to report the accident so that they can file a claim. Third, get the claim number for your agent and secure a rental car if needed. Last, set up a meeting with your assigned adjuster and collect payment for the claim.